vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Consumer Service Employees accessed my credit report on XX/XX/XXXX and on XX/XX/XXXX. One location in XXXX, GA and the other in XXXX GA. I believe that this is an employee that may have know me from my past that is trying to access my information to find out where I live, These types of access make my credit score go down by 27 points every time and internal employees does this and it is against federal regulation. Equifax is not a business that I do business with, they are a credit reporting agency. When they do this it alerts the other 2 credit bureaus XXXX and XXXX and all 3 scores drop.

I only have 2 active accounts on my credit report. XXXX  XXXX XXXX Credit Card and XXXX XXXX. They both report pay on time. My fico score was XXXX XXXX and by the internal hits they are deliberately making my credit score drop each time by XXXX points. 

There is no other activity on my reports that would drop my score if you review it. I have attached my credit report document as evidence. The other accounts are student loans which are showing o owed due to the loans are not to be paid until XXXX. 

I want the 27 points placed back on my account per every time they did a soft inquiry to access my account. There should be no soft inquiries on my account from a credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 never had an account with XXXX XXXX XXXX XXXX this is a fraudulent account thats been opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
I never had an account with XXXX XXXX XXXX XXXX this is a fraudulent account thats been opened in my name

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 2021-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union is steel Reporting incorrect information on my credit report I have dispute this Information be for this Fraudulent and miss leading information and this Account is steel reporting Info on my credit report this account needs to be remove from my credit report and I need to see documents on where I signed if you can supply Info to me on this you need to remove this False and Fraudulent Reporting off 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 explanation
Consumer complaint received 2021-09-03 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: AZ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello Sir.Ma. 

i was having issue with my card. and account ... i had an accident whereby i loss my phone and wallet and every other inportant information for couple of months so i couldnt remnber my security question or be able to access my account and there is money in it ... what actually happened was that my account was on XXXX  balance and the card was closed ..and when i newly reply i started getting paid on the card but couldnt have access to card or 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 non-monetary relief
Consumer complaint received 2021-09-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Student Loan debt that I did not incur Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Chapter XXXX bankruptcy discharged over one year ago, but Toyota Motor Company refuses to report perfect payment history. Claiming I, my attorney & Trustee failed to reaffirm loan in time to avoid EVER allowing me to have post bankruptcy status. Toyota 's representative said I have no legal protection from repossession upon 30 days late, stating they can break into my garage to repo a vehicle with perfect record since purchase date- I don't get more than 30 days & NO notices. Also stated I will never be allowed auto pay, or access/use of phone app to make payments! Most importantly, all credit bureaus show NO PAYMENTS since XXXX of XXXX  while loan is showing open. 

I did everything ordered by court- it's not my position to know more than my attorney & the Trustee. I was told to make timely payments & I have a perfect record. I have been denied new credit three times, all separate attempts to gain credit, but each refused due to Toyota Motor Credit failure to report accurate info on my loan payments. My attorney advised that I dispute credit reports & I have, with no result. He advised I try to speak to them again, but I was threatened with repossession again. So I was advised to make a complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TX

Complaint narrative:
A letter of goodwill was sent to XXXX XXXX XXXX ( XX/XX/XXXX ) via email for my closed credit card account to remove the late payment history from the tradeline. The bank agreed my request dates XX/XX/XXXX and XX/XX/XXXX and provided a letter to support. I disputed this account several times with Experian with no resolution. The account was updated monthly after each dispute to reflect verified/accurate. I have attached the email sent to XXXX XXXX XXXX and the response showing the goodwill letter was accepted. I'm looking to have the payment history updated and the XX/XX/XXXX and XX/XX/XXXX ( 30 - 60 ) days late payment remark removed.

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 2021-09-03 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: FL

Complaint narrative:
I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my XXXX  listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE

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 2021-09-03 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:
Student Loan debt that I did not incur Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
Student Loan debt that I did not incur Identity Theft

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 2021-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I settled the debt in XXXX. Nissan NEVER REPORTED IT TO THE CREDIT BUREAUS. They even continued to respond to disputes with incorrect information saying the debt was still owed. I called them multiple times and they swore up and down they would fix it. Now my credit is damaged and unable to get a mortgage due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this 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 2021-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI

Complaint narrative:
It's from a collection agency called XXXX XXXX XXXX they stated in the letter I took a payday loan out with Ace Cash Express ( I know I payed it off, this is from XXXX ), they say they are going to file a civil lawsuit unless I pay {$950.00} by XX/XX/XXXX. They also say they will report it to the credit agencies and seriously damage my credit if I don't pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 60 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  and XXXX  you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hey whats going on I recieved a reposnse from you saying i was '' listed as someone you dont recognize as a customer '' if I am not your customer then why would you put misleading information on my credit report. I have been sending you complaint but it seems you'd rather lost money than investigate my complaint

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 2021-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I would like Navient to remove the 9 missed payment remarks on my student loans they placed in error. 

Navient failed to place me on an approved deferment for my student loans in Fall of XXXX semester, billed me early due to this inaccuracy & then placed 9 missed payments on my credit report despite this being their error. Due to them failing to place me on deferment they approved, I was hit with a large bill early that I could not pay & they inaccurately placed 9 missed payments on my credit report when I should have never had this billed this early. 

Below is my letter to Navient with more detail : Dear Recipient, My name is XXXX XXXX & I am a customer of Navient during my tenure at the University XXXX XXXX. I am reaching out to dispute the 9 late payment remarks on my credit report by Navient. I am disputing these due an error of the payments. 
At my time at XXXX in Fall of XXXX, Navient failed to put me on deferment following my request approval below attached. I was at least half-time per below of XXXX definition & my transcript attached. 

Navient failed to put me on my deferment for 6 months & you began billing me. On a side note, I had to testify & be involved in a months long court case in XXXX, GA where XXXX XXXX XXXX XXXX XXXX XXXX  so I was completely unaware of this Navient error. 

I began being billed XXXX which would not make sense with my deferment. I stated this was an error & I shouldnt be billed & I continued to be billed through XXXX  at this inaccurate amount. Despite my claims of the error, my bill went up to over {$700.00} on XX/XX/2018 which I could not afford that inaccurate bill : My billing should have started on XXXX on your deferment forms on your website & I was hit with 9 late payments on my credit score for not paying this inaccurate amount made in error by Navient. 

I am now looking to buy a home & these 9 late payment amounts are ruining my life plans. This was an error by Navient not registering my half-time deferment & billing me an inaccurate date/amount that I could not afford. 

Can you please remove these 9 late payment remarks because this was all created in error. If I had my first bill on the right time around XXXX, 2018 I would have made the payment, but Navient had major errors in the amount owed. 

I have attached all material needed in this letter. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: VA

Complaint narrative:
During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bill were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card company.I have also put myself on auto pay with each credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
See CFPB case number XXXX. 
The case was prematurely closed. 
The issue remains unresolved. 
First Tech Federal Credit Union forced agreement with broad terms that I did not agree with however I was locked out of all my accounts without clicking " agree ''.

First Tech reported they called me to assure me the scope of the written terms would not go into full effect. I accepted that was the best the rep could do pending their own internal review.

Their response to CFPB was " we'll look at it and let you know ''. How can that response be taken as resolving the complaint.

In order to supersede written terms to reduce the overly broad scope they must do so in writing. Have they sent out an amendment?

Did First Tech provide a preliminary draft of an amendment?

Or has First Tech stated that the manner in which they forced the agreement, and the overly broad scope of the terms is legally acceptable?

They have not resolved the issue and only offered a promise to resolve it in the future. That can not be confused with actually resolving the complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
FirstPoint Collection resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted FirstPoint, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

FirstPoint responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by FirstPoint bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet FirstPoint continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to FirstPoint by phone and spoke to a woman by the name of XXXX to try and resolve the issue because I am trying to purchase a home and this item is negatively affecting my credit report. I explained my situation and asked if i could get a goodwill deletion if I paid the debt in full ( even tho it wasn't mine ) so it would no longer show up on my XXXX credit report. XXXX told me that they would not give a me a Goodwill Deletion and would still report the collections account to my credit report even after I paid the balance. FirstPoint 's policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my Experian listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE

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