vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, I paid the agreed upon settlement amount in full for Credit Acceptance Account # XXXX. Per the settlement arrangement, Credit Acceptance agreed to update my credit report and send us the lien release ( for title ). 

On numerous occasions ( via phone and in the Credit Acceptance online portal ), Credit Acceptance confirmed ( and showed ) the " XXXX balance '' as per the paid settlement agreement. 

Despite payment in full, on XX/XX/ and for the next three months, Credit Acceptance continues to show a balance as {$13000.00}. 

My wife and I called and asked Credit Acceptance to properly report the balance on all XXXX credit bureaus. They refused. I was told that even though they see the XXXX balance, it's not their obligation to report that to the credit bureaus unless we file a complaint with Credit Acceptance in writing which could take 30 days. 

When I stated this is a Fair Credit Reporting Act violation, they said it's not because they only update balances when consumers file a written complaint. 

Even if this was their internal process for " closed accounts, '' what makes this an intentional violation is that Credit Acceptance reported the wrong balance and status on XX/XX/ on my " closed account '' despite their internal system showing a XXXX balance. 

To date, Credit Acceptance refuses to properly report my balance and update the status of this account on any of the credit bureaus. They have ignored my requests to report this accurately. It is causing an extreme financial hardship on me and my family. I am the primarily bread winner in my family and my credit has dropped almost XXXX points as a result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: OK

Complaint narrative:
Closed on a home on XX/XX/. Loan servicing was transferred to Capital Mortgage Services of Texas. First payment was dueXX/XX/2023. Made the payment XX/XX/2023. XX/XX/2023, I received a letter from XXXX XXXX ( New servicer ) that they had acquired my loan on XX/XX/2023. Law states that Capital Mortgage has 60 days from transfer of servicing to forward my payment to XXXX XXXX. 
On XX/XX/, I made my second mortgage payment ( first to XXXX XXXX ) for my XXXX payment. I have called Capital Mortgage of Texas 4 times now and have been told they are transferring the payment to XXXX XXXX. Each time I was told they would be emailing me proof of transfer. I have not received anything from them regarding this issue. We are now past 60 days and XXXX XXXX has stated they have not received the payment from Capital mortgage of Texas. I can not get an answer from Capital mortgage as to where my money is at. XXXX XXXX is filing a missing money case in regards to this but I can not get any correspondence from capital mortgage about when or if the money was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent Transunion a dispute in regards to some credit inquiries that i did not authorize and were fraud. When i called recently to follow up they told me that they would not process my request because it was mailed. said it needed to be faxed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I was renting from XXXX XXXX a two bedroom apartment for 3 years. I paid my rent always on time and lots of times ahead of time. I moved out by XX/XX/2020 and that was the end of lease. After 2 years and few months they reported me to collection agency that I owe them little over XXXX XXXX dollars. I do have bank statements showing that I paid till the last day. 
With no proof they claim that I moved on XX/XX/2020. Now I have the collection agency asking me for that amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have filed multiple disputes regarding my reports which they have claimed to have verified. there is a lot of inaccuracies, and inconsistencies on my report that is not metro 2 compliance. The following items on my report that was disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent an dispute letter to Equifax, a copy of my cfpb report, copy of my identification, and also placed a fraud alert on my credit report, stating that i did not authorize this inquiry from XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I opened a credit card account with the store XXXX, administered by Comenity Capital Bank, in XXXX of XXXX. I received a bill in XXXX with a closing statement date of XXXX. I received the bill during the XXXX week of XXXX ( don't recall exact date ) and sent a check on XXXX. I did not check the due date, which was XXXX, so I accept the {$30.00} late fee on this one. The next statement closing date was XXXX. I received that bill on XXXX ( Saturday ) and sent payment on XXXX ( Monday ). That payment cleared on XXXX, so that meant another late fee. There was no way I could have sent it any sooner! In XXXX the statement closing date was XXXX. I sent payment on XXXX, the same day I received the bill. It didn't clear until XXXX ... another late fee! Apparently, no matter when I send the payment, it will not be cleared until it is late! For the XXXX bill, it closed XXXX. I received it XXXX. Based on the history, I realized there would be yet ANOTHER late fee so I called to complain and challenge the fee and I closed the account. I paid the late fee while on the phone with the company. This seems to be a scam!!! I checked the mailing address each time there was a late fee to be sure I had it correct. My credit score was XXXX on XXXX. I do NOT pay bills late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have inquiries that do not belong to me. Ive reached out to the credit bureaus and the companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payactiv, Inc.
State: MO

Complaint narrative:
Company deducted {$500.00} from my payroll check that I did not initiate ( or receive ). Customer service agents were unfriendly on the phone and came short of accusing me of lying about receiving the money. They supposedly did an investigatuon, which lasted for 3 days. The resolution they came up with was that they were not going to reimburse me and told me several times that their system was basically foolproof and that friend/family fraud happens more than I'm aware of. They did no actual investigation into where the money actually went, which was definitely not me. Nor was I ever notified via text or email ( which I always am ) if I withdraw any money. I am basically out {$500.00} with no recourse at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I do not have a cell phone e and needed to reset my password. I live in in area that cell phones do not jhave service, so I have a land line. 
I accidently logged out of my Chime account. I forgot my password and needed to reset my password. 

I contacted Chime customer support a week ago to resolve my issue. I have approximately 25 emails to and from. I spoke with a supervisor, today. I provided the documentation they asked for but I never receive a response. I provided copy of my driver 's license, copy of current utility bill, selfie with my driver 's license, Paper with current date, name and last 4 digits of social. I never receive a response. 

I am now, very concerned about my funds, current and future with this lack of contact to resolve issues. 

I would not recommend Chime to fellow seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and other : in accordance with the written instruction soft he consumer to whom it relates. " ( XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX XXXX ) whether it be verbal, non- verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non-disclosure option. " ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following item so f information Any other adverse item of information, other than records of conviction of crimes which antedates there port by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) state A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Im a victim of fraud. I have contacted XXXX, XXXX, and Transunion numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to XXXX, TransUnion, and XXXX. XXXX need to remove fraud accounts. The 6 frauds accounts are : - XXXXXXXX XXXX XXXXXXXX {$280.00}. Account XXXX XXXX XXXX XXXX : {$5500.00} Account XXXX which is a fraud business account. I'm not a business. 
XXXX XXXX XXXX XXXX {$21000.00} Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX {$220.00} Account Number : XXXX -XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON XXXX ONLY. 
XXXX XXXX XXXX : XXXX {$23000.00} Account XXXX : XXXX. I been a victim of fraud since XXXX. I have been disputing fraud accounts. I have attached my theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Im a victim of fraud. I have contacted Experian, XXXX, and XXXX numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to XXXX, XXXX, and Experian. Experian need to remove fraud accounts. The 6 frauds accounts are : - XXXXXXXX XXXX XXXXXXXX {$280.00}. Account XXXX XXXX XXXX XXXX : {$5500.00} Account XXXX which is a fraud business account. I'm not a business. 
XXXX XXXX XXXXXXXX XXXX {$21000.00} Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$220.00} Account Number : XXXX XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON XXXX ONLY. 
XXXX XXXX XXXX : XXXX {$23000.00} Account XXXX : XXXX. I been a victim of fraud since XXXX. I have been disputing fraud accounts. I have attached my theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a dispute to Experian that they received onXX/XX/2023. They responded with an email ( attached ) datedXX/XX/2023. In the email, they allege that the dispute : " does not appear to have been sent directly by you or to be authorized by you. '' The email also said that : " As a precautionary measure, we have not taken any action on your alleged request. '' The dispute in fact came directly from me which is why in the dispute letter I included a copy of my Social Security Card and my current bank statement which is something only I would have access to. Experian is using this tactic to stall the process. Please enforce them to follow the law & investigate my dispute or delete the accounts if they can't do an honest investigation. I'm including a copy of the exact dispute I sent them so that the CFPB can see the tactics Experian uses to circumvent an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
On XX/XX/2023 my personal information was used to open a personal loan on the amount of XXXX I already reported the account with the police department and also the bank but the account is still under my name and I am still held responsible to pay for the loan, I am going to my third payment and I need help to get this account close and get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code.

Diversified has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief