vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian just keeps saying that I have already disputed the issue with XXXX XXXX, the problem is that they have 4 different accounts listed, when it should only be two. They are allowing them to have duplicate accounts with the same account number and 3 different amounts. I told them to correct the amount and remove the duplicates. All they keeps doing is saying I disagree with the information, but no one is looking at they fact that this was a debt bought and they have the wrong amounts and are able to have it on my report 3 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: TFC Credit Corporation of California
State: MA

Complaint narrative:
I signed and gave the XXXX XXXX a down payment of {$490.00}. They told me by mouth to pay the school loan after you are finished with the entire course. Which every school loan is paid after completion. After there will be an exam to take when the course was completed. Well I failed the exam and was told to start paying the loan the week after. The school withdrew XXXX out of my account three times and refunded it back after I told them about what they told me before I signed the paper work that I was going to pay the loan after the course was completed. I did the 75hrs of class. I emailed the instructor for a retake and he told me that I was needed supervision for a retake after. Along this time to find there program app wasn't going to be functioning after XX/XX/2022. Im an honest person seriously even the class wasn't what I was expecting and there's something shading. There's something not adding up. There website for the class was functioning write too. All numbers of contact to call back are not in service and were unknown numbers. 

# XXXX XXXX XXXX XXXX XXXX in Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance to Consumer Fair 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 2022-06-10 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:
In accordance to Consumer Fair 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: NY

Complaint narrative:
XXXX and Equifax have not deleted and removed : XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX  ) From my account. It's been over 60 days. 
I have supplied court ordered documentation to remove discover card and synchrony bank from my report. Proven fraud and acknowledged by NY Court System and XXXX XXXX  ( documents attached ) ****XXXX  is the only one that has compiled. 

Can you please help? After 30day and with proof of fraud with a court ordered document to remove. XXXX and Equifax continue to ignore my numerous ( in writing, online and phone ) requests for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: LA

Complaint narrative:
I XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
i wrote about a chg on my acct back in XXXX,, and want this chg taken off as if was chg a # of times on same merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was informed that i had a collection account on my credit reports that i don't believe is mine. I disputed it and the credit bureau says it's valid. So i contacted XXXX for a validation of debt and no response, i sent 2 emails and no response. My lawyer sent a letter and called, no response. XXXX XXXX XXXX sent a demand letter for debt validation awaiting to see if they receive. the emails I sent are attached XXXX XXXX XXXX ( medical coll ) # XXXX {$520.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
There is in correct accounts being reported on my credit report. There is a bankruptcy showing on my credit file. I need this investigated and removed from my credit report. I pay all my bills on time. There is no need for me to ever have filed bankruptcy. There are numerous hard inquiries showing on my credit report. I did not authorize for these inquiries to be ran. These are in accurate, and I did not sign anything for these inquiries to be ran. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Resident Verify XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX Us Small Bus Admin Oda XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Us Depart Of Edu XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act US BKPT CT CA 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 explanation
Consumer complaint received 2022-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached 4 FTC reports with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX I deposited 2 checks thru an atm at BOA into my personal checking account at BOA.. both checks were drawn on local banks from tenants who have been paying me for long periods -- one for 15 years and the other for over a year, amounts were the usual monthly deposits ( nothing out of range ) .. there have been no history of failure to pay from these payers or their accounts.. the amounts were roughly XXXX and XXXX and I had over XXXX XXXX  in my checking account.. I received notice from BOA that the checks ( local banks mind you with good history ) were going to have a 7 day hold, including a weekend which now became a 10 days! the next day I deposited another XXXX and it was only held for 2 days ( the usual ) usually BOA has a 2 day hold which is reasonable.. I feel this hold is excessive, arbitrary and wrong. and was automatically done by a machine and customer service refused review it or to discuss with me, they hung up on me.. it jeopardizes my ability to get my mortgages paid ( all due the XXXX at the latest ) the hold ( is so long.. I want to know when those checks cleared!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MS

Complaint narrative:
Someone had hacked into my cash app account and took {$340.00} out. They took XXXX out once they took XXXX out once and they took {$300.00} out once. Will they text me when the XXXX was coming out and hadn't come out yet I told them do not let that go through and they said they wouldn't the same person that did all three transactions. Cash app suggested that I open up a new account with a new email and they would reimburse me the money that was fraudulently took out. Open up a new account with a new email and I waited approximately 7 days cuz they told me be 7 to 10 days before they put it back in. I tried to open up my old account and my also my my password wouldn't let me in and I didn't have the same phone number. I've been going through this almost 3 months now with cash out time to get this money back in my account with no headway whatsoever. I've given them the same information over 50 times at least 50 times I've had over 50 correspondence with them and still haven't had no results at all. Can someone please help me here they owe me {$340.00} and I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AC AutoPay LLC, Denver, CO Branch
State: WA

Complaint narrative:
Autopay.com is the company. I have been having Title issues with getting sent to the Department of Licensing. Vehicle was refinanced XX/XX/2022 and current lien holder does not have the title it is now XX/XX/XXXX. Trying to get a hold of the title department is terrible. They do not answer phones and do not give you a straight answer. I simply asked for the tracking number of the package of the title to prove it was sent to the right DOL. They did not give that to me. I asked several times from their customer representatives to ask the title department for an update on the title and they don't have a digital system that can tell them where those issues are or WHAT the issues are with the title. It has been a frustrating month trying to get my vehicle title information updated, and it is because of those companies lack of urgency to transfer titles to the proper parties ( the DMV and the New Lienholder )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 2 FTC reports with inquiries I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-10 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am disputing this debt because I do not owe it. The creditor XXXX has apparently sold a debt that does not belong to me to a company, known as, " Credence Resource Management '' in the amount of {$330.00}. This company has not contacted me or was able to verify this debt belongs to me. I was notified of a collection on my XXXX report and disputed the amount immediately upon notification on XX/XX/2022. XXXX was able to verify that the debt does not belong to me and Credence Resource Management has the wrong SSN. XXXX confirmed the dispute and removal however, Credence Resource Management has once again reported a collection on my account as of XX/XX/2022. I called XXXX and made them aware who suggested to file a complaint in order to proceed as this collection is greatly affecting my credit history and credit score. I have had no issues with any credit in the past and have always been diligent on my payments. This debt is invalid, does not belong to me and is considered fraud on Credence Resource Management for trying to collect a debt belonging to the wrong person. This is an issue of identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last year I moved to California from Illinois. I opened a new checking account with XXXX Bank in LA. I put my CITI Bank XXXX and COSTCO cards on autopay with the new account. I used the Illinois routing no. For the new account instead of the new LA bank routing no. And the payments were denied. By the time I realized my mistake the Citi bank card people cancelled both cards and will not reinstate them. No reason given to me! 
I have received an XXXX XXXX card, an XXXX XXXX card and a XXXX bank credit card in XXXX day. 
I need my COSTCO Visa card to purchase gas. 
Can you help me? I have no bad credit issues!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 a 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 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I was made aware of fraudulent accounts, checking, savings, debit and credit cards, that were opened and issued in my name by persons unknown to me through Bank of America around XX/XX/2022. I wasn't aware of this until XX/XX/2022 when a debit card arrived in my mail. I have never had or applied for any Bank of America accounts of any kind. I immediately contacted Bank of America to report these accounts as fraudulent due to identity theft and requested they close these accounts immediately. I had to call them back dozens of times from XX/XX/XXXX as the fraudulent accounts all remained open. My latest call was XX/XX/XXXX as I received a statement for these accounts showing them still to be open. I have filled out and sent back to B of A the fraud report as requested by them including a copy of my picture I.D . and it was received by them on XX/XX/XXXX as verified by the required signature delivery I paid for when mailing it back to them. I have repeatedly requested all accounts in my name to be closed and confirmation of this action to be sent to me and this has not happened. I have told them in virtually every conversation and correspondence that there security to prevent fraud really needs to be updated and overhauled as this never would have happened to me if they had done a better job verifying the personal information used to open these fraudulent accounts. 
At this point I am very angry and frustrated with Bank of America as they have still not sent me any confirmation that all accounts and cards in my name through their bank are closed and acknowledged as opened fraudulently through i.d.theft. 
With how I have bean treated by Bank of America having to make over a dozen calls and spending well over 8 hours total on the phone being transferred and placed on hold without a resolution to my issue, I would never even think of using Bank of America for any of my financial needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia Debt Recovery is attempting to collect a debt owed by someone else. I lived at the apartment outside of the date ranges the debt is for and the documents they are providing as " proof '' are for different tenants that lived at the address during different timeframes. 
Simple information such as apartment number, move in/move out dates, employment history, Date of Birth, Name, signature, Phone number, email address, make/model of vehicles, emergency contact, ID numbers, and Social Security numbers all do not match up. 

I have a signed statement from the apartment complex 's Management Office with the dates I lived there as well as confirmation that my account balance due was {$0.00} when I moved out. The statement notes that " Please be informed that No Collection record filed by ... Apartments against her. '' The Move Out Statement shows the transactions on the account and balance being {$0.00} on Move Out. 

This malicious and fraudulent practice of putting together other tenants ' documentation to pin a debt on me has impacted my credit score by XXXX points. This situation is causing me great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In 2019, I bounced a personal check from Credit Union in my BofA account. The reason I wrote it was cause my CU ATM was broken and I needed cash. 

I accidentally miscalculated and my check of {$200.00} bounced. I paid the debt and check systems shows as paid in full. 

BofA reported to XXXX as fraud activity! This has prevented me from opening a bank account ANYWHERE! 

It was an accident and not an act of fraudulent malice on my part. 

When I tried to deal with BofA they initially assured me that it will be take care and removed since it was paid in full. of etc. But ultimately refuse to remove it and respond with " we don't have to ''. 

I tried to dispute via XXXX but they state that BofA investigated and find it to be accurate. I don't understand what investigation of {$200.00} accidental bounced check that was paid in full was initiated, or how or what??? It makes no sense to me. 

Please help me BofA RTN # XXXX {$200.00} Paid in full

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