vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus TransUnion, XXXX and XXXX. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from 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 non-monetary relief
Consumer complaint received 2022-07-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus XXXX, XXXX and Equifax. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA
State: PA

Complaint narrative:
I received a settlement from Tenaglia & Hunt for {$2900.00}. I paid on the due date online ( I have receipt ). The money was never taken out of my account. I have contacted them 57 times for the last 2 months, leave messages with the person in charge of my account and other management. I have stated I am at work and can we please set up a time to connect to resolve this matter. Of the the 57 times I called, I have received 4 call backs where they leave messages to call them back. I call back within 5 minutes and the same cycles starts over. I was finally able to make contact with XXXX once and explained I paid and emailed him the receipt. We said I know own the {$3900.00} or full amount in four payments. I asked to speak to his supervisor or manager. He said he will put in the request which two weeks. I have not received a call and now get sent directly to voicemail. I would like to settle this situation and thought I already did but they continue to spin me in circles with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received emails from Bank of America about an account being opened. I called and spoke with several employees about the fact that I never opened an account with Bank of America. Bank of America refuses to close my account unless I provide a copy of my social security card, my drivers license, bills, proof of residence, spoofing, malware, a copy of my social security statement. I am outraged The original person who opened up this fraudulent account did not provide all of this information Bank of America opened. I have also wasted XXXX days being on hold for at least XXXX XXXX hours to have the refuse to close this account. The other problem is I have my credit account frozen and fraud protection on it before this happened so Bank of America never contacted me before opening this account to a fraudulent person. I want my account to be closed so there is no further actions taken without my consent.

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 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUHOME SOLUTIONS, LLC
State: FL

Complaint narrative:
I got approved for a conventional loan through XXXX XXXX XXXX  at a low monthly payment and low interest rate then signed the XXXX XXXX legal documents they sent me to lock in those rates and they ended up changing them twice since then increasing them significantly and claiming they legally have to update the rates when the federal rate increases which is completely false to my understanding and they are trying to pull a fast one on us because we are first time home buyers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: FL

Complaint narrative:
I have a situation with about amerifinanancial solution I never have any contract with them and my personal information are liked to them I say that not me I would like they enforced them to remove my personal information to them I see I owed them More than 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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, a scammer called me using a spoofed Citibank number ( which I didn't know was a thing ). He convinced me to 'refund me ' via XXXX XXXX but he unlinked my number and replaced it with another account. I lost XXXX XXXX There is no way to cancel the transaction. 
I feel Citibank and XXXX let me down by not providing clear instructions about what their employees can request ( PIN, socials ) ; not warning people about spoofed phone calls and maintaining their transfer services despite fully knowing there was an ongoing fraud wave. 
At a bare minimum people should be made much more clearly aware of such risks before enabling XXXX transactions.

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im writing about the following data that appears on my credit report from MacysDSNB. This collection company is reporting a debt on my XXXX, XXXX, and XXXX report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account 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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Have been attempting to resolve a fraud report since XXXX. {$290.00} was stolen from my XXXX account linked to the bank before XXXX disabled my account for fraud. Navy Federal Refuses to assist as they claim there was no fraud even though they were the ones that confirmed XXXX disabled the account due to fraud. 
Every report I have submitted here has provided me with a number that the supervisor purposely ignores, or in the most recent XXXX, the number is not a valid, active number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-07-06 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: NC

Complaint narrative:
I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, have 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 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 2022-07-06 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX  account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, have 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I contacted Navient and told them to stop automatic payments from my account. They continue to take money out of my account. I have a letter stating the stopped automatic payments and they still took money from me. I am in the process of applying for the loan forgiveness program. This has caused me major financial stress. 
I want the money back in my account that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For the past XXXX XXXX years, I have built my credit to XXXX with no late fees, established credit and below XXXX XXXX  utilization on all cards. 

After working hard to get my credit score in the XXXX 's Transunion dropped my credit to XXXX, dropping my scoreXXXX points for an items they claim dated back from XXXX. This item is not only old, but nothing new was added to this account causing this to be the issue. There were no other justifications to why each time I build my credit up, Transunion takes the points away stating it's from the past ( over XXXX years accounts ) affecting my credit score. 

No one from TransUnion can explain why I have the ability to build my credit score up, and keep building it up - only for Transunion to come and take the points away over and over again due to past accounts that are extremely old. 

Additionally, I am locked out of my Transunion account and told to wait 7-10 business days for the a mailed copy of my report. 

In the past XXXX  months alone Transunion dropped my score XXXX times, just because I used my credit card. I was not late, nor over the balance, or over utilization. I've called several times asking why each time I build my credit score up, why does Transunion drop my score so extreme with no answer. Transunion continues to drop my score, but never gives the actual reason for such a big drop. 

I can not sustain my finances with this consistently occurring. I am asking for a investigation into this as I feel I'm being discriminated against.

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 2022-07-06 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: GA

Complaint narrative:
Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-07-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Logged into my XXXX account to pay my bill like normal. Noticed there was no link to my credit card account as there usually is. Poked around the site and Followed Pay My Bill link, couldnt get through. Decided to call comenity, automated system lead me to a message that said to try again later and hung up. Called XXXX customer service and all they could say was they were aware of the issues but it was up to Comenity and to keep trying XXXX XXXX ( Ive had multiple failed attempts on that platform ) or you pay in store. Any attempt to reach Comenity just ends in the same automated messages on social media and telephone. It seems like this has been an ongoing issue, with no real communication to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge 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. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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