vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
I am writing to express my profound dissatisfaction and concern regarding TransUnion 's persistent disregard for my dispute submissions and the resulting inaccurate information on my credit report. This ongoing issue is causing significant distress and financial difficulties due to the incorrect data that continues to be reported. 

I am providing you with a detailed account of the events and communications related to my disputes : XXXX XX/XX/XXXX, I mailed a dispute letter to TransUnion via certified mail, tracking number XXXX. The letter was delivered to TransUnion on XX/XX/XXXX, giving ample time for investigation and response as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX received a response from TransUnion dated XX/XX/XXXX, inaccurately claiming that my dispute did not appear to come from me or an authorized third party. I want to emphasize that I initiated the dispute, and any suggestion of unauthorized third-party involvement is unfounded. 
-Despite my commitment to resolving this matter, I did not receive any response from TransUnion after sending a follow-up letter dated XX/XX/XXXX. 
-In an effort to address the accuracy of the information on my credit report, I submitted direct disputes to both XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX. Unfortunately, I received no response from XXXX XXXX XXXX, which raises concerns about their compliance with consumer protection laws. I also sent a dispute letter to XXXX XXXX on XX/XX/XXXX, but the letter was returned to me as undeliverable. This further underscores the issue of inaccurate information being provided by XXXX XXXX to credit reporting agencies. 
XXXX XX/XX/XXXX, I submitted yet another dispute to TransUnion XXXX urging for an accurate investigation and resolution. However, despite my continued efforts, I did not receive any response from TransUnion. 
-Acknowledging the urgency of this matter, I submitted a dispute to TransUnion XXXX XX/XX/XXXX, attaching copies of the returned mail from XXXX XXXX XXXX evidence of the ongoing dispute. Regrettably, I did not receive any response from TransUnion regarding this dispute submission either. 
XXXX XX/XX/XXXX, I sent yet another letter to TransUnion XXXX reiterating my concerns and requesting immediate action. To my astonishment, I received an identical response dated XX/XX/XXXX accusing me of unauthorized third-party involvement, despite the fact that I had initiated the dispute directly.

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 2023-08-10 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute for the following Collection/Negative Accounts Reporting. 

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 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 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 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 To Whom It May Concern, I am writing to express my serious concern regarding the collection/negative accounts listed on my credit report under the account numbers listed above. I have meticulously reviewed my credit history and found discrepancies that demand immediate attention and correction. 

It has come to my attention that the information reported by your agency in accordance with the Metro2 format is inaccurate and inconsistent with my records. The accounts, as reported by Experian, do not reflect the accurate nature of the debt or my efforts to resolve it. 

I would like to point out that I have made multiple attempts to communicate with the creditor, and there have been documented instances of communication to resolve this matter. Unfortunately, the information furnished by your agency does not accurately represent these efforts. 

I kindly request a thorough investigation into this matter and prompt correction of the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I am entitled to an accurate and up-to-date credit report. I trust that you will conduct a fair and impartial investigation to ensure the accuracy of my credit information. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the steps taken to rectify this situation. Your cooperation in resolving this dispute is crucial in maintaining the integrity of my credit history. 

Sincerely, 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a complaint last XX/XX/ XXXX XXXX  and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank account ending in XXXX with XXXX  amount of {$640.00}. XXXX XXXX XXXX has the account XXXX in collections. I had no knowledge of this account. I have been receiving up tp XXXX or more calls per day. I also reported it under my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: Cascade CISS Holdings, LLC
State: CT

Complaint narrative:
I don't know what Xactus is and why they on my credit report XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On Sunday XX/XX/2023 the available balance in my Santander checking account was XXXX. This was money sitting in the account for a while and there was no hold whatsoever on these funds. Anticipating a large expense I deposited into the account a credit card advance check in the amount of XXXX dollars. 
Santander bank put a hold not only on this new transaction, unbeknownst to me they put a hold also on the XXXX that was sitting in the account prior to this transaction, resulting in checks and ACH purchases and credit card payments being returned for insufficient funds. I immediately called Santander but the manager at the local branch was unable to stop the back office from bouncing my checks. I could not write any more checks until I got this situation resolved otherwise the checks would bounce. I pleaded and told them that the XXXX was free and clear and there was sufficient funds for all the checks & payments. It took until midday Thursday till they released the hold on my account. Santander bank illegally restricted me from using funds that were free and clear for practically a week. If the government wants consumers to have confidence in the banking system they need to oversee and fine institutions who withhold funds without merit

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, 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 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS. 

XX/XX/XXXX RE : XXXX XXXX  CLAIM FOR XXXX BANK OF AMERICA XXXX DEBTS To Whom It May Concern : This filing explains XXXX XXXX, XXXX purchase and collection on my XXXX XXXX Bank of America debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, XXXX XXXX was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this XXXX ) date ; and, XXXX ) amount paid to XXXX XXXX. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXX XXXX court bldg. See Doc A & chart below : Instrument no. Book no. XXXX no. by XXXX XXXX, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM XXXX I paid Bank of America debts ( via FIA Card Services ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, XXXX XXXX, XXXX ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ). 

BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ FIA Card Services ] ( price paid in full as agreed XXXX Bank of America XXXX {$4600.00} {$690.00} XX/XX/XXXX Bank of America XXXX {$5700.00} {$870.00} XXXX XXXX XXXX XXXX  : Attached find the XXXX ( XXXX XXXX Bank of America settlement letters ( dated XX/XX/XXXX ) both XXXX. See XXXX XXXX XXXX XXXX Also, see attached XXXX XXXX XXXX showing FIA Card Services with Bank of America account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc 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 2023-08-10 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: NY

Complaint narrative:
Under the complaint XXXX... I have new evidence of the bank statement from the lender confirming that the information Equifax is reporting on their website is incorrect and it should be {$2000.00}. This should be update within 10 days. Please see attcached bank statement from XXXX below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NY

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-08-10 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: NY

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have been abused by American Credit Acceptance for years now... I have a XXXX XXXX XXXX..original sticker price approximately {$16000.00}. To date I've paid {$33000.00} at ( 28.24 % ) $ XXXX ... NOW they say I STILL have 29 more payments!! I have paid DOUBLE what the car 's original sticker price was and an outrageous 28.24 % rate. I have made payments on time ( 95 % early ) ... I am currently and in good standing... there has to be recognition that I have been deceived and preyed on by ACA... for the past 1 year and 5 months while on a LOA from work Managed to make every monthly payment on time and XXXX XXXX insurance each month whilst my car sat in driveway only used for local errands. I've read about lawsuit brought by New York attorneys on behalf of people who had American Credit Acceptance as their lien holder for car purchases... AND i have NOT found one person who's case/situation was worse than mine ... percentage rate at over 28 % and paid over {$33000.00} to date and STILL AMERICAN CREDIT ACCEPTANCE claims I have 29 MORE PAYMENTS! (???? ) Please please help... I have just returned to work a week ago... I have experienced great stress and financial hardship caused by American Credit Acceptance 's predatory, deceitful and purposeful in their pursuit of greed.I want to hold American Credit Acceptance accountable for the outrageous percentage rate purposefully and knowingly my monthly income was ignored and sales agent at XXXX said he 100 % could make a deal with car purchase. I strongly believe I have one of the worst cases as far as being taken advantage of in every way possible. I am disgusted and have had enough of financial abuse by ACA and want an attorney to bring a lawsuit against American Credit Acceptance for the years of deceit, contradictions in " absolute statements '' regarding payments made and total number of payments remaining. I have been deceived... given erroneous and contradictory statements given by supervisors at American Credit Acceptance I look forward to any advice or help from your firm or American Credit Acceptance must be held accountable for the predatory abuse on me. Please respond asap. Thank you and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation