vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I have sent multiple dispute letters to Equifax to dispute a XXXX XXXX credit card account that is showing on my credit report. This is not my account. I have even tried contacting XXXXXXXX XXXX to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called Equifax to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call Equifax for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor Equifax. 

I can be reached at XXXX or by email XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. 

The bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. 

Your agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this " Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. 

I would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
I've attempted numerous times to call and was directed to mail and/or send my request through the website which I've tried both countless times. 

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
I already reached out to Commonwealth Financial Systems and informed them the original debt owner adjusted the debt due to an internal error and my account with XXXX XXXX XXXXXXXX XXXX has been adjusted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated 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 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been recording all my transactions going in and out of Bank of America for years. As Ive noticed regardless of payment retrieval wether atm ach or wire transfer. Regardless of the transaction within time to receive on time IT NEVER DOES. Bank of America list of transactions literally has XXXX  transfers from my own account ( before you say its fake ) and its completely not in my deposit list. I have over XXXX  sitting in my account daily, and every other day deposits go missing for days than return. This causes fake bank reporting and is ruining my business as well as my personal life. On numerous occasions I couldnt eat because of this. I plan on going to the news with this because Ive giving BOA 7 years to get it right.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Tesla, Inc.
State: FL

Complaint narrative:
I have had so many problems with getting my system up and running that I can not list them all here. I can not get in touch with supervisors or even the same ( repeat ) person to get my issues resolved. I have been trying to get this taken care of since XX/XX/XXXX. I feel like I have run out of options. The long story short is that we were told we would have it installed by the end of the year in XXXX. It was not installed until XX/XX/XXXX. I was unhappy with the way that the panels were situated on my roof and asked for them to move them. getting them to move the panels was difficult, and they said they would take care of it after much back-and-forth. They sent an install crew out to move my panels, but left the roof racks on. They said that they would get a roofer to replace and repair the roof damage but never did. They ended up giving us permission to find our own roofer and get reimbursed. I had them approve the estimate and went ahead with the roof repairs. I have paid them over a month ago and have not heard anything back on getting the reimbursement. on top of that, their policy is to collect down payment and start the monthly payments when you turn on the system. I was told over a month ago that I had permission to operate and we turned on the system. they went ahead and collected payment. Then we were informed by XXXX that they did not have permission to operate and we were to turn the panels off. Tesla continues to take our payments but does not continue to work to resolve the issue with XXXX. they refuse to contact us because we are asking why we are making payments when we do not have a functional system. Our system has failed inspection twice at this point. It has finally passed but we have multiple weeks left before XXXX will recognize the system and allow us to use it for energy. Tesla is basically nonresponsive at this point because we are categorized as a system that has been turned on. I am making no traction and would appreciate your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, I have sent multiple dispute letters to XXXX to dispute a Citi Bank credit card account that is showing on my credit report. This is not my account. I have even tried contacting Citi Bank to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called XXXX to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call XXXX for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor XXXX. 

I can be reached at XXXX or by email XXXX 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
Consumer complaint received 2022-08-03 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: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
Contacted credit agencies several times to fix the problems and they reported back incorrect and inconsistent information. 15 U.S.C. 1601/ 15 U.S.C . 1681/ 15 U.S.C . 1637/ U.S.C . 1691 15 U.S.C. 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Oklahoma Student Loan Authority
State: MA

Complaint narrative:
In accordance with the fair credit reporting act, ~Name : US DEPT OF EDXXXX Account number:XXXX XXXXDEPT OF EDUCATION/XXXX Account number 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. code 1692b- 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.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. DP OF EDUC Account Number : XXXX BAL : {$0.00} 2. DP OF EDUC Account Number : XXXX BAL : {$0.00} 3. DP OF EDUC Account Number : XXXX BAL : {$0.00} 4. DP OF EDUC Account Number : XXXX BAL : {$0.00} 5. DP OF EDUC Account Number : XXXX BAL : {$0.00} 6. DP OF EDUC Account Number : XXXX BAL : {$0.00} 7. DP OF EDUC Account Number : XXXX BAL : {$0.00} 8. DP OF EDUC Account Number : XXXX BAL : {$0.00} 9. DP OF EDUC Account Number : XXXX BAL : {$0.00} 10. DP OF EDUC Account Number : XXXX BAL : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: LEXISNEXIS
State: MA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In a letter posted here on XX/XX/XXXX, US Bank agreed to close the account they created at XXXX. As a result, the complaint that I created here on XX/XX/XXXX was closed. There response on XX/XX/XXXX failed to address my grievance regarding the credit card they misrepresented and I recieved under false pretences. They did however agree to close my account. They did for two days, then they choose to activate it again. I hope this proves that I can not negotiate with this company.

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 2022-08-03 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: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
the debt is not mine. I told the original company that the debt is the responsibility of the current owner. I have never paid a red cent towards this debt and I never authorized any changes to the original contract. The changes and debt belongs to the owner of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, my wife received documentation from Truist Bank as follows : - Several Money Market accounts stating that her overdraft protection was declined. 
- Several bank statements showing small balances less than {$1.00}. 
- She never had or opened a new account with Truist Bank. 

On XX/XX/XXXX we contacted Truist Bank in XXXX, Va. We gathered the statements and went to Truist Bank XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Va XXXX XXXX. We spoke with XXXX XXXX, XXXX Team leader ( Ph : XXXX. We expressed that we were concerned about theft ID and how someone could open several accounts without personally coming in to the office. 

XXXX XXXX contacted their fraud department and placed a block on the account. She advised us to contact the credit bureaus and have our data frozen. She provided us with her business card and said that we will receive written documentation from the Fraud Department. The same day we contacted the credit bureau and had our accounts frozen. 

On, or about XX/XX/XXXX, we filed a fraud report with the XXXX of XXXX XXXX, VA. 

On XX/XX/XXXX, we had not received any contact from Truist Bank and called the office in XXXX to inquire of the status. They had none. After that we called the Truist Bank fraud department. They stated that they show the accounts blocked. We asked for documentation to show that the accounts were blocked and the progress they have made. 

We were told that they will not provide us with any documentation. This caused grave concern for us since it appears that our ID has been stolen. They refused several times by saying that we will not receive any documentation, but the conversation has been recorded.

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