vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX 's XXXX And other XXXX accounts XXXX XXXX

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 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Diaz & Assoc. sent me a fraudulent debt collection letter dated XX/XX/2023, stating I owed a debt balance to XXXX XXXX XXXX for {$5800.00}, offering to settle for {$2000.00} if received by XX/XX/2023. I have never had any kind of account with XXXX XXXXXXXX XXXX, and I don't believe Diaz & Assoc. represents them. They state report may have been made to Credit Reporting Bureaus. I believe they targeted me because I am an XXXX XXXX XXXX elderly person. I researched this company and found XXXX complaints filed against them with the Better Business Bureau and a class action lawsuit..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX credit bureaus.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX credit bureaus.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I will make this short, brief and accurate as possible. Back in XXXX  XXXX XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Anyway, this is a document stating that the account has been sold to XXXX of the companies and to refer any future question to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years now after they had sold the account. They do not own the account anymore. Trans Union allowed XXXX XXXX to report onto my credit report for XXXX  years which being a detriment to my credit report and character. Also, this is a violation of the FCRA. See attachments for more details.

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 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This incident came about XX/XX/XXXX when I called to report my card stolen and to see why my account was closed by XXXX XXXX XXXX. They said it was closed due to checking account fraud. I denied these allegations due to this being my main bank account where I would pay all of my bills with this account, and I had a long lasting relationship with this bank since I opened my accounts in XXXX. I opened a dispute and they sent me a copy of a fraudulent check with a signature that clearly looks fraudulent and does not match any of my hand writing or signature which they do have on file from me opening my account in side of the bank from XXXX. I then asked for this matter to be investigated further checking security cameras and pulling XXXX  addresses to verify that this was NOT me making these fraudulent transactions in which it has not been done and this is now reporting on my credit report with XXXX XXXX XXXX hurting my chances of opening a bank account.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im the victim of identity theft and I dont recognize this account on my report. I have included a copy of my FTC identity theft report # XXXX describing the identity theft as well as police report XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im the victim of identity theft and I dont recognize this account on my report. I have included a copy of my FTC identity theft report # XXXX describing the identity theft as well as police report XXXX.

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 2023-11-12 00:00:00
Product: Credit reporting 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have many accounts on my credit report from unknown companies. I need these removed asap.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im the victim of identity theft and I dont recognize this account on my report. I have included a copy of my FTC identity theft report # XXXX describing the identity theft as well as police report XXXX.

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 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have entered my bank account information for auto pay for my federal student loans before XX/XX/XXXX ( when my first payment was due after the payment pause ). This would result in a XXXX XXXX interest rate reduction. 

I was notified that my payment was denied due to insufficient funds in my bank account ( I have significantly more money in there ). I tried instead to do a one-time payment, and it was also denied for the same reason ( insufficient funds ). My payment is now late and I am at risk of my credit being impacted. 

I have not been able to get in contact with Nelnet yet over this issue and when I researched the problem it appears this exact scenario is common.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
This company is reporting an account to the credit bureaus that doesn't belong to me. Remove this immediately or I'll seek damages because you are responsible for what you report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have many closed accounts on my credit report from unknown companies. I need these removed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
Caine and Weiner are reporting a debt from Progressive Insurance to the credit bureaus.. I've NEVER had Progressive insurance. Remove this immediately or I'll seek damages bureaus you are responsible for what you report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I set up an auto payment with my account approximately XXXX weeks ago in the amount of {$150.00} a month. I had {$1600.00} debited from my checking account on XX/XX/2023. When I set up the auto pay it was approved as accepted. I was then under the impression that {$150.00} would be deducted from my payment account. 

I reached out to Amex and was told the minimum amount due is deducted regardless of what payment you set up even if approved under other amount through autopay. They said its part of the terms and conditions but the terms and conditions contradict what I agreed to pay and what was accepted. I thought my submission of what the autopay approved would reflect what I agreed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TN

Complaint narrative:
this is a never ending issue that has been ongoing for months with this financial institution. Opened up two different personal credit lines with.Upgrade. I have one credit line that has a limit of {$11000.00}. I also have another personal credit loan with a limit of {$20000.00} Ever since the first quarter. of 2023, The company has not been reporting the correct balances to the credit bureaus. I have attached copies of a current credit report showing incorrect balances. These balances have been showing that I have been over my credit limit amount and over the utilization amount of both of these accounts and this incorrect reporting has been reporting like this since the first quarter of 2023. With these accounts showing the utilization over the crate line amount, it has drastically caused a big substantial decrease in my credit scoring. I have never been late or over the credit limit or the personal credit line amount on either two of the accounts. I have attempted to send a request to the XXXX XXXX XXXX  advising of this on this company and I was contacted by someone by the name of XXXX that is in a resolution with Upgrade. I have been in touch with her multiple times as she states that she is working on the situation. I have also attempted to contact the credit bureaus and let them know of the incorrect information. However, the incorrect information is still reporting on my file.. XXXX has advised me that she has attempted to escalate this to someone else, but this process is taking way too long and it is going months and months without being corrected. The lender of Upgrade is XXXX XXXX XXXX. From doing research I have found that they have been in a civil lawsuit this year regarding incorrect fair lending, but it is definitely having an impact on my credit scoring and this also then turns around and has an impact with my other creditors, showing this high utilization and over the utilization, credit line amount to drastically, decrease my scoring models, which intern impacts my lending with other creditors. These incorrect reporting on these accounts has caused current creditors to change my interest rate as well as not providing me additional credit favorable interest rates due to this error not getting corrected and updated on my credit report. XXXX, in the office that is answering these complaints and that this report will also possibly go to as well has been telling me that she is getting the issue resolved and looked at, but it has been going on now for months with no resolution I only want what is fair and they are not reporting these accounts correctly and it is having a very serious impact on me. One account is showing that I am almost {$2000.00} over the limit another account almost shows the same thing that I am over the limit and it is causing drastic effects on my credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
National credit systems contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX  which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: KY

Complaint narrative:
Contract Callers is is reporting a debt that doesn't belong to me. Remove this immediately or I'll seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I received one letter from Rausch-Sturb claiming that I owed money to them. They sent paperwork to have me served to an address that I havent lived at in over 5 years. I finally received a letter at my home address with no information on the original creditor, only the amount due. I sent a verification letter in accordance with the Fair Credit Reporting Act in XX/XX/2023 and did not receive a response until XX/XX/2023 when they had me served at my home. I still have no idea what the debt is, who the original creditor was, nor if there was any agreement for me to pay said debt.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
They are over 100 's of Soft Inquiries made by EXPERIAN. 

Someone accessed my credit file without authorization.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: SC

Complaint narrative:
I have had several issues with the credit bureaus reporting incorrect information, I have requested copies of the original creditors and I have not received it. I am paying for a credit monitoring service because my sister XXXX XXXX information keeps getting put on my credit profile even after sending documentation on several times to get corrected. It would get corrected but later reappear on my credit profile. Also because the bureaus should be reporting the same information they however are not there are so many discrepancies on all three

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
They are over 100 's of Soft Inquiries made by EXPERIAN.

Someone accessed my credit file without authorization.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
They are over 100 's of Soft Inquiries made by EXPERIAN.

Someone accessed my credit file without authorization.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.

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