vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: FL

Complaint narrative:
I have Mailed XXXX XXXX and Transunion on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and Transunion sites. With that said this is against the FCRA as that information has to all be XXXX percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.

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 2022-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Mailed Experian XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the Experian XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be XXXX percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally Experian is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.

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 2022-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I can not login into my Experian account, and can not find a representative for assistance. I have lost about 4 hours over the last 24 hours trying to effectively reset my account password and unfreeze/freeze my credit. 

XXXX I finally reached a representative who reset my password, but my account has been locked and the online reset didn't work. So I needed to reach a representative again. I don't know how I found one to start with, since the phone queue does not have an option for a representative. I am really stuck and cant get help. 

The Experian phone log refers to a link on the Experian webpage for problems logging in, I can not find it XXXX Today I tried to reset my password and it didnt work. I receive the link but it said the Experian webpage was unable to change my password. I dont know if this is a website problem or my account is locked. I tried to reach a representative but I need a business account to reach someone, not a personal account Today emailed XXXX and am waiting for a reply Can you please ask Experian to help me with my account access? I need to update my security information and have access to freeze/unfreeze my credit. A phone number for a real representative that doesnt filter me out would be great

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 2022-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an account that is paid and still reflects Negative information on experian credit report experian will not correct the information properly. Experian continues to report inaccurate information Potentially Negative is hurting my score and preventing score updates and loan or other approval

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 2022-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have had repeated calls for my brothers x wife, XXXX XXXX for an auto loan with Ally Financial in XXXX XXXX MO. I have on two occasions asked for my numbers be removed from the lists for this person. I am not a cosigner or a reference for this individual. I spent literally two hours on the phone and this company can not locate the calls made from a XXXX XXXX from XXXX. After expressing twice to not call and being assured two week ago that I will not get another call the agent calling hung up once I advised I will file a suit. This is not my loan and not my responsibility to take hours of my time to contact these idiots. Can the CFPB please help. I will add that i have a few voicemails as well that violates regulation F that occurred within a 7 day window.

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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
While I was moving I lost my folder with my personals such as SSN and DL. As the account was opened fraudulently to an address I have never lived in. I have contacted the collection agency and tried to dispute the debt and at this point even set up arrangements to settle the debt for a lower amount just to get it off my credit report but the company refuses to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NC

Complaint narrative:
Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXXto file a complaint as well.

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 2022-06-01 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: EMCC Holdings, LLC
State: TX

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On https : //www.annualcreditreport.com/ it says you can now get a free weekly credit report. I received my free weekly credit report from XXXX and XXXX. But for some reason Equifax will not give me a copy. I tired contacting them multiple ways but still no credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was not provided with verifiable evidence for my disputes against my negative accounts 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 explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XX/XX/XXXX Acct # : XXXX Account name : XXXX BANK XXXX XXXX. Acct # : XXXX Account name : XX/XX/PPC Acct # XXXX XXXX Account name : XX/XX/XXXX XX/XX/XXXX Acct # : XXXX, XXXX, XXXX Account name :XX/XX/CBNAAcct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name XX/XX/XXXX XXXX XXXX Acct # : XXXX Account name :XX/XX/XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 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

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 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have attempted to resolve this matter and inform the ARS Account Resolution Services this debt is not owed by me and requested strict proof according to the FCPA, Section 609 ( a ) ( 1 ) ( A ). I never received a copy of the contract, agreement or any things with my signature proving this debt belonging to me. I have NOT received services as implied. I strongly believe this debt belongs to someone else and I have expressed this to ARS Account Resolution Services multiple times., this debt is a fraudulent. They continue to ignore my request for proof of debt they have ONLY sent me a copy of their invoice but have failed to provide strict proof of the debt as demanded numerous times.

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 2022-06-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was not provided with verifiable evidence for my disputes against my negative accounts 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 explanation
Consumer complaint received 2022-06-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was not provided with verifiable evidence for my disputes against my negative accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the XXXX XXXX XXXX sent me ( XXXX XXXX ) my money back, {$2500.00} and {$1000.00} via XXXX. 

At first he tried to send {$4000.00} but the bank has a cap allowing to send up to {$3500.00} a week using XXXX. 
Few days after he recalled the money claiming it was fraud and providing fraudulent documentation from XXXX. 

I provided the bank with straight forward evidence showing the XXXX conversation between myself and XXXX XXXX. In the texts XXXX is having multiple attempts and is insists on sending me the money ( {$3500.00} ) with success. 

These evidence are as clear as it gets. 
Moreover, when speaking with the Bofa representative she confirmed that they know XXXX XXXX did send the money, she explained that bofa has IT solutions that helps them track the transactions and the person initiating them. 
And these systems detracted it was preformed by XXXX. 

XXXX XXXX and his brother XXXX XXXX are known are under an open investigation by the FBI and SEC. They have stolen money from families, friends and loved ones. 
XXXX XXXX is the FBI agent that is working on their case and is happy to confirm my narrative. XXXX ( XXXX ) XXXX I urge the bank to do the right thing and help their long time client, myself to get her stolen money back. 

Please help Thanks, 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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Made a purchase on XXXX XX/XX/22 through a third party for {$790.00}. Item arrived defective. Merchant was extremely reluctant to resolve. They offered a {$50.00} refund for me to replace the throttle. 

Mechanic confirmed the electrical wiring was backwards on product. 

Merchant refused to send mailing label until I disputed the transaction with the bank, now they refuse to send a proper box Bank reversed the dispute without my knowledge over a month later. Called USAA twice and the dispute was reopened and closed on XX/XX/22 ; allowing no time to provide the requested documents. 
CSR XXXX apprised me she reopens it and to upload the requested XXXX, after being disconnected by 3 CSRs prior.

Requested a supervisor and was consistently denied, in all departments; limiting customers to representatives only with little to no XXXX and providing inaccurate intel. 

They lack compassion and any care for their veterans and our disputes. 

This dispute is being purposely prolonged. 

USAA correspondence regarding disputes is not simply designed for customers. 

Please help.

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 2022-06-01 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: TX

Complaint narrative:
XXXX XXXX XXXX Case XXXX XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


XXXX Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, XXXX  or by calling XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Case XXXX XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from Texas and California XXXXXXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


Experian Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/XXXX or by calling XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
Hello I am having issues with Bank of America, my checking account was in the process of closing however my IRS check was excepted on XX/XX/XXXX and I have yet to receive my money due to investigation, Ive been given days after days, that my account was closing and they will issue me out a cashiers check, when I call call they tell me my account is still not closed they then provide me with yet another date this has been going on for about 2 months now Ive explained to Bank of America that my bills r backed up I keep telling my landlord The same dates and days they give me and to no avail Im still on hold I need help I dont know what to do or what to tell my landlord now

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 monetary relief