vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: MI

Complaint narrative:
This is my XXXX attempt to notify you that I am a victim of identity theft and I SEND a COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about CREDIT BUREAUS ' accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these items below must be deleted from my report : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: NY

Complaint narrative:
According to case XXXX equifax states that they have to look into this but by fcra law when they are in receipt of the request of identity theft they are supposed to block and delete within 4 days. This is not an error on my end, there is no material misrepresentation and so on. Do equifax want to be held liable by not following law. Equifax policy does not override whats federal law. They must do what is fair and equitable for the consumer and the banking system is depending on them to be accurate and efficient. Block and delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: MS

Complaint narrative:
I went to the emergency room due to XXXX XXXX. I was the only one in the lobby for almost three hours, I had to continue to ask when I would be seen. Finally I get to the back and have to wait almost another hour. When the doctor finally came in, he looked at me strange and asked, " what is the bag for? '' I knew then, they thought I was XXXX and was looking for a place to spend the night. I said sir, I'm dirty because I do XXXX XXXX, it was shortly after I got to the truck stop I starting regurgitating. It wouldn't stop and I had a lot of it on my cloths. I was on my way to the shower, but I felt weak and might not be able to call someone for help. I then informed him I had XXXX XXXX, never had it before, and didn't know how long I would be there and I didn't wand to be in that condition for several days if I had to stay overnight. I, then informed him that I was a 50 % service connected XXXX veteran and had free treatment, but XXXX, TX didn't have a VA XXXX, so I ubered there since it was only XXXX miles from the truck stop. I informed him I had XXXX XXXX, that I needed him to treat me for it, and document it so I could get the XXXX XXXX to pay the medical bill. When I received the bill, which was fine I noticed he only treated me for XXXX. I called the hospital several times and asked them to amend the medical report and I would pay the bill. They informed me they couldn't because the doctor didn't conduct a lab test for XXXX XXXX. I informed them, that I had asked him to for documentary purposes, so I could get my money back from the restaurant. There fore, the doctor erred and I shouldn't be on the hook for the bill and unable to seek recourse because I don't have the proof I needed to get relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My father passed away XX/XX/2022. He banked with BofA. All paperwork was submitted to move his money into an established trust account as it was the POD on his account. It has been weeks. There are now medical bills due. Is BofA responsible for late fees? In my book yes. His account is showing XXXX balance. What are they doing with his money? Day trading? Makes one wonder. And there are hundreds of horror stories online. This is their 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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has consistently inaccurately reported a credit card balance issued by my banking institution. Each dispute has come back verified. I paid the credit card in full on XX/XX/2022, for $ XXXX and no additional payments have been reported to Transunion to date. The utilization rate is currently 37 % when it should be XXXX. In XXXX, Transunion accurately reported a balance of {$5.00}, and then the entire balance of $ XXXX was re-reported and consistently after that. The other bureaus are reporting the XXXX account accurately. It violates the Federal Credit Reporting Act.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2022, TransUnion provided an inaccurate credit score by decreasing my credit score by XXXX points after my credit card balance went to XXXX. This has caused a major financial burden. I believe TransUnion is retaliating against me and causing further financial harm as I can not provide credit worthiness in purchasing a home. See attachment.

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 2022-08-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with a fair credit reporting act [ JPMCB CARD # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
XXXX says I owe {$2000.00} for service to an address that I have never lived for the dates XXXX XXXX through XXXX XXXX. I never received a bill or notification of any kind until my credit report showed a collection service requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. I contacted credit acceptance on XX/XX/2022 for a debt validation response however credit acceptance failed to respond back to me. attached is the letter. I also contacted XXXX with multiple debt validation letter in which on XX/XX/2022 XXXX stated my account was properly investigated from the dispute of Credit Acceptance Corporation XXXX XXXX XXXX In which i submitted the debt validation verification on XX/XX/2022 but how is that possible if the open date is inaccurate, the last date reported is inaccurate, the date last active is inaccurate, the date of the last payment is inaccurate these are multiple violations and this is a ground my removal under my rights 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 : according to fcra any furnished info can not be used without my written instructions. Also the credit acceptance and experian is taking or took more than 30 days to my debt validation investigation letter from that I submitted to Credit Acceptance Corporation and 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 2022-08-04 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: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2022-08-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I tried to pay a contractor using our Square Checking account. When I logged in, I noticed that my account was under review and the funds were frozen. I received no email or communication from Square Financial Services so I called them. The rep explained that it appeared fraudulent and after verifying all the information and transactions, they would request the funds to be released. But due to the fact that they were closing in XXXX minutes, it would be the next day. The account was released the next day with no problem. On XX/XX/XXXX, our account was once again frozen and under review. I contacted square again and verified all transactions and was told the release would be done within XXXX minutes. It was not done and as of XX/XX/XXXX the release has not been lifted. I spoke with an agent on XX/XX/XXXX and explained the problem who advised that it could be XXXX business days before the review would take place and the hold released. I explained it was not acceptable as I have to process payroll and pay vendors and as a restaurant, I needed access to my funds. I asked to speak to a manager and was advised that management couldn't expedite the process but could listen to complaints. Once again, I received no notice or way to correct issues until my card started getting declined when I was paying vendors. The process to review accounts and the fact that management can not expedite the process and the fact that customers can not speak to the account review team is absolutely absurd in the financial world. I am requesting a full review of Square Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I submitted a dispute to Experian indicating that information reported by XXXX XXXX XXXX  was not valid or accurate. On XX/XX/XXXX, I received a reply from Experian stating that they verified the information as accurate and therefore would not modify the report. My dispute is based on a XX/XX/XXXX letter I received from XXXX XXXX  ( copy attached ). The letter stated that based on their information, they were instructing each of the credit bureaus ( including Experian ) to delete the account from my credit record. I sent this letter to Experian, yet they replied indicating that the letter from the creditor was not sufficient to cause them to delete the record and that further investigation verified that the record on my credit report as accurate. The letter from the creditor stating that the record should be deleted should be sufficient and final. Unless Experian has some reason to question the validity of the letter itself ( which it should NOT ), Experian has no basis or need to further investigate the creditor 's decision and instruction to remove the record. It is simply absurd and over-reaching for Experian to become involved in the particulars of the dispute after the creditor has acknowledged in-writing that the reported information should be deleted from the credit file. The continued reporting of this invalid and negative information on my Experian credit report is impacting my credit score and unjustly interfering with my ability to obtain financing. The creditor itself has indicated in-writing that the item should be removed from my credit report entirely, yet Experian is refusing to do so.

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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Have contacted this company XXXX separate times now to get my mortgage a reamortization and have been fed XXXX different tales concerning how much principle has to be paid, one woman even stating the had no idea what a reamortization was! We were always told 10 % of the mortgage had to be paid at the time of reamortizatoon. Now we've been told its {$10000.00} regardless of current principle amount. This company never allows for emails because they dont want a paper trail. On top of the lying being done concerning reamortization, we have also been lied to about removing the mortgage insurance. We have reached out to this outfit several times to have this useless insurance removed and have been met with silence. 
This company is a glaring example of what caused the housing collapse in XXXX and should be fully investigated.

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 2022-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
My car was repo at the last minute while I was paying to get it caught it to current. This American credit acceptance knew about the job change, XXXX, and just recently my grandma passing. I have lost hours at work due to this. All my property was in the car my laundry, my account cards, my shoes, my medicines, license, and knitting stuff. I didnt know about the default until they took my car. They advertise that they help customers keep their car. How is the helping?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
THIS IS XXXX XXXX A NATURAL PERSON. EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT FILE. I DISPUTED THE INACCURATE ITEM ( US BANKRUPTCY COURTXXXX XXXXXXXX XXXX  BY CERTIFIED MAIL ( SEE EXHIBIT A ). THEY RESPONDED AND STATED THAT THEY ARE NOT CURRENTLY REPORTING THIS ITEM ( SEE EXHIBIT B ). BUT THEY ARE ( SEE EXHIBIT C ) THIS IS A VIOLATION MY RIGHTS PURSUANT TO 15 USC 1681 ( a ) ( 1 ) AND PURSUANT TO 15usc 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I opened an account with Citizens after seeing and using a {$300.00} sign up promotion requiring an eligible direct deposit. I opened the account in XXXX, and satisfied the requirement in XXXX I have not received the promotion to date. All my attempts to contact customer service to resolve have failed, including online chat, SMS chat, and multiple calls to customer service that always result in hold times nearly XXXX minutes and either not getting in touch with someone, or being put back on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MN

Complaint narrative:
Equifax reporting an inaccurate credit score for me on XX/XX/XXXX dropped-37 points everything is being paid and on time, all my other credit agencies are good. I checked on XXXX XXXX and also XXXX XXXX and saw it had been dropped by no fault of mine. I see on the news others have been impacted as well, falsely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
A collection recently appeared on my credit report. It is a collection agency called Sunrise Credit Services. It is for an amount that was owed to XXXX XXXX XXXX by my father, who passed away last year. It appears it was for his cell phone. Somehow The account became associated with my social security number after he passed. I have been an XXXX XXXX XXXX customer in the past, but this was not my account. I have never seen a bill, letter, etc. I had no knowledge of this collection until it appeared on my credit report when I applied for a mortgage recently. It is a problem and I have requested repeatedly that Sunrise remove this, but they will not.

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 2022-08-04 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2022-08-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes please. Thank you.

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