vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Credit Plus Inc
State: CA

Complaint narrative:
On XX/XX/2021 a company XXXX  auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: NY

Complaint narrative:
I bought I bike from hardly Davidson it was used I put down XXXX it was supposed to drop down the price the tag price was XXXX. After all collation it went up to XXXX with the XXXX down should have been XXXX. But Im paying so much in interest and the bike was XXXX model. Every month I pay so much toward the interest not the principal. I called and complain to the company but no action. That information wasnt giving to me when I bought the bike. But no action. At this point I paid over XXXX but the bike price didnt drop at all so far over XXXX in total and the interest is so high please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$900.00} was stolen from my BankofAmerica Pre-paid Visa account. First, inquiry, checking if money was placed on my account. At a XXXX XXXX @ XXXX XXXX XXXX XXXX, California Then after at or around XXXX, XXXX, @ BankofAmerica @ or around XXXX, {$960.00} was taking from my pre-paid account.. 
No info if there was a card used at the atm The bank issues my money back and a new card. Within a certain time frame. A friend of mine was stolen from his account twice in 3-4months. One was in the north side of XXXX, the other on-line purchased. The person stealing from us, has to be either from one of the companies issuing or holding the money.Or a Casino I frequent. 
Somehow I found a number in my account thats not mine ( XXXX ) XXXX.almost identical to my number minus one difference. 
My email, XXXX  as yes I have a new issued card.But Ive had this same card, since.I first was issued The customer should be paid interest on their monies that was taking without their knowledge. That would reinsure, more for the effected, especially when we get penalize for late fees, and transactions from banks, and government agencies Fairness for all

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
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal TRANSUNION and XXXX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, TRANSUNION and XXXX  replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police 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 2021-09-06 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: Credit Plus Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX companies ran a credit report without my knowledge or consent. I called these companies personally to see how my information was obtained and was told that once the credit is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of these happenings. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
Bayview Loan Service is restrained from collecting this alleged debt. I do not have a mortgage. Bayview in Florida State is retrained by court order XXXX. Bayview Loan Servicing is in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX FL. An Attorney in NY State has been commencing actions againt me wrongly. I do not owe this money. If this continues then Bayview Loan Servicing XXXX XXXX FL is in violation of Supreme court State of New York court order sated XX/XX/XXXX and prior XXXX with XXXX  XXXX another restraining order entered by the court. Attorney XXXX, changed names pleadings captions and continues to commence actions against me when I never had a mortgage and does not represent Bayview Loan Servicing FL. by filings forged notes. I reported 12 forged names, different names and different notes. filed my XXXX wrongly. I duly had this action barred, dismissed with prejudice. 
I demand this New York lawyer honor the restraining order by the supreme court that was entered duly, XX/XX/XXXX and in XXXX. The man flat out lied, created fraud docs. and and 7 YEARS of litigations and me having this alleged mortgage debt barred and restrained more than once, Mr. XXXX attorney after being DENIED a third les penance on my property, wrongly filed with the clerk of XXXX XXXX near XXXX XXXX dollars of liens and mortgages in his name personally using an unsigned order to show cause that was denied to XXXX by the court. 
I want MrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY is the alleged " bayview Layer '' Bayview told me in XXXX they are restrained by court order, Mr XXXX must be sanctioned or fined, investigated, prosecuted for abusive discovery, fraud upon the court which I did prove of the passed 7 years on motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: FL

Complaint narrative:
To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent XXXX  and Equifax a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did XXXX  and Equifax and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I called to a direct deposit form for a new job I am starting. I verified my account twice and and was told that they didn't think I am who I am. my mom, called in and filed a incorrect claim on my behalf months ago. that situation was corrected and I set up a code word so they would know that its me going forward. I gave that code word and also verified my account and was told that they didn't think I am who I am. while speaking to a manager I ask was this something that I would have to go through every time I call. I am a XXXX XXXX man, and I have a soft voice. some people would say I sound like a women. I cant control how I sound and I shouldn't be treated differently because of the way I sound. I feel like I have been discriminated against. no one should be treated the way I was treated today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting unverified student loan accounts and medical bills of over {$80000.00} on my credit report. I initially contacted Equifax, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 
Equifax responded to my request for a signature bearing document with a letter ( See attachments ) stating the debt was verified and it belonged to me and sent me a copy of my credit report. None of the information provided by bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 3 ) to request a signature bearing document as proof of this debt but never received a response. 
Information reported by the 3 major Credit Bureaus vary greatly and makes it very difficult to trust the validity and accuracy of the information provided by Equifax, XXXX, and XXXX. Case in point both XXXX, and XXXX  have investigated the medical bills on my account, deemed the information unverified and invalid, and removed this accounts from my credit report. Yet Equifax continues to display this unverified debt on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
In regards to the student loan debt being reported, the Dept. of Ed/XXXX is the company that is reporting on my credit report yet the accounts have been sold to a debt collector XXXX XXXX XXXX. However, the information on my credit report shows that I have XXXX Late payments and the accounts are in good standing. How is this even possible with the accounts in collections? 
This serves as proof the information being reported on my credit report is not accurate nor is being properly verified. The practices of the aforementioned companies are highly predatory and violate both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Requested validation from debt collector and was not provided a response within the allotted time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A transfer I knew nothing of BANK OF AMERICA Fund Transfer XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ 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 2021-09-06 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: EQUIFAX, INC.
State: DC

Complaint narrative:
My five credit card account is not delinquent Or derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: DC

Complaint narrative:
My five credit card account is not delinquent Or derogatory.

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 2021-09-06 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: FL

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 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 with the same letter but to this day more than 45 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. I demand these errors be deleted immediately or I will take legal actions due to all the troubles you are causing me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-09-06 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: PA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 with the same letter but to this day more than 45 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. I demand these errors be deleted immediately or I will take legal actions due to all the troubles you are causing me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I constantly check my credit score on XXXX and last night ( XXXX ) I noticed that my credit score went down 21 points, which is weird. I always make my payments on time. I decided to check on my alerts and there is a loan over XXXX, XXXX that was taken out in NC. I dont live in North Carolina XXXX I live in XXXX, California. Someone is using my social and credit to purchase a car in NC.

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 2021-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I bringing to your attention that there was debt that was disputed from my report and now its back. By law section 611 [ 15 U.S.C 1681i ] ( 5 ) ( B ) ( i ) States that once items are deleted they should not be reinserted on the credit report. I did not received notification with in the 5 day mark stating that debt will be but on my credit report. By law this is fraudulent. I ask that you please remove negative items from the Experian 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 2021-09-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX companies ran a credit report without my knowledge or consent. I called these companies personally to see how my information was obtained and was told that once the credit is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of these happenings. I would like to add that I did lose my wallet and important documents which may have resulted in 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 2021-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX Totals {$0.00} $ 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