vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : 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 Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : 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 Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.

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 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I put down a down payment as there policy for us auto is no matter the credit or amount you make you have to put a down payment I did and they falsified documents that said XXXX. They supposedly operate under tila but they did not give me a my recission papers at all or mention it they did not include insurance I had to go to outside provider the finance charge was not the sum of all charges they also did not give full disclosure and let me know that my signature will create the credit. They tried to take my car that belongs to me there is no lien that has been filed. did a ucc 11 search and it came back as no liens on anything attached to me certified. I have the mco. Its in my name. They are harassing and threatening me to take my car. They say I owe for the car and that is not true I have asked for validation that I owe I have asked for a full disclosure contract signed by both parties with 2 wet ink signatures an invoice the actual accounting the lawful terms and conditions they have yet to do so just keep saying I owe x amount but cant prove it.they had me sign documents that said retail installment loan and it was actually a consumer financing transaction. The person who tried to steal my car completely breached the peace I had to call 911 and they have no security interest in the property only myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I called Freedom Mortgage to remove my PMI on XX/XX/XXXX. The rep told me I would get next steps in 3-5 business days. I did not receive any word. On XX/XX/XXXX I sent a message to their message center requesting the removal again. XX/XX/XXXX they sent me a message back saying they needed more time to review my request and I would receive a response by XX/XX/XXXX. XX/XX/XXXX I missed a call from Freedom Mortgage while at work. I called them back and had trouble getting through all the dialing prompts. I spoke to a customer service rep she tried to help and tried to send my the denial via email but was not allowed to by their system I had to wait for the explanation in the mail. XX/XX/XXXX I received and advertisement email claiming my home at valued at XXXX on XX/XX/XXXX I received the letter explaining my denial for removing PMI because of the loan to value ratio but no explanation on number they used. If they value my house at XXXX that would make my Loan to value ration at 74 % well under the 80 % requirement. my original loan was at XXXX. I also have made significant improvements to my house and the going value of my house in the neighborhood has raised to between XXXX. They refused to give any information of what they were using to calculate my loan to value ratio nor how to contest the value used of the house.

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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I can not retrieve my credit report from XXXX, it always shows a reporting error. I have reached to XXXX they tell me nothing is wrong with my profile. This is currently hurting my ability to get a house.

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 2022-09-16 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-16 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: KY

Complaint narrative:
Again, I was a victim of identity theft and this is another request to REMOVE the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-16 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$390000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$390000.00}

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22, I received an email alert saying my email was removed from my XXXX. Upon checking my bank of america app, I was unable to login. I called the bank and they said it was because my bank account was being closed for undisclosed reasons. I went to a physical location to see if I could withdraw my funds in person before they would be mailed out, but I was unable to and after talking to a supervisor on the phone, they didn't give me any info at all. They said it was their policy to end business at any time. I have not done anything to warrant such a closure. I had about {$660.00} dollars at the time, and I had received no indication my account would be closed until today. I have also checked with Social Security and am in the process of verifying my security and the possibility of illegal use.

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 2022-09-16 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: CA

Complaint narrative:
I am a victim of an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

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 2022-09-16 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: CA

Complaint narrative:
I am a victim of an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I received a copy of my XXXX credit report and found the following item ( XXXX ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXXt- dateXXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX XXXX XXXX XXXX XXXX- date- XX/XX/2022 XXXX : XXXX XXXX-date- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NJ

Complaint narrative:
Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my EXPERIAN credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX  -date-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 -date-XXXX I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXX date-XXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : 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 non-monetary relief
Consumer complaint received 2022-09-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I contacted Experian about some inaccurate accounts on my credit report. They verified these accounts through automatic verification which I did not consent to. they have violated my rights and these accounts should be removed 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 2022-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed complaint before XXXX .I had about {$2000.00} taken from my savings account and I received nothing each time I tried received same message error see financial institution no money I called bank and was told to keep trying I did did not realize money taken out when I did report it 5 resolved error occurred but at least 4 said no error I did not receive any when XXXX reported back to XXXX she said 7 were denied because they were illegal because used at gambling institutions she now said my account was being closed and I cant do anything about it

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 2022-09-16 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: KY

Complaint narrative:
Again, I was a victim of identity theft and this is another request to REMOVE the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX  gave me a term sheet on XX/XX/21. My loan broker, XXXX XXXX, dealt with the bank 's VP, XXXX XXXX. There is written communication between them clearly showing the bank 's rep made a mistake which triggered a higher rate than what's on the signed Term Sheet. In spite of assurances to take care of the excess charges & incorrect fees, the bank is refusing to honor their rates & fees per the term sheet. 

Based on the bank 's mistakes in changing the locked interest rate to a higher rate, XXXX XXXX gave written assurances to credit the {$4800.00} loan fees. In addition to this, the bank has made several written promises to send the {$250.00} excess charged incorrectly by them for an inside appraisal fee. They also owe the difference of excess title fee charge of {$420.00} ( charged {$1700.00} as opposed to {$1300.00} ). 

Loan closed on XX/XX/21. I have made numerous attempts to resolve the matter with various senior representatives of the bank. They are not honoring the commitment made verbally and in writing by a vice president and relationship manager of the bank to the borrower. The Senior VP & Regional Manager, XXXX XXXX, has been using a delaying tactic to defraud the borrower. She has even refused to let the borrower know who her superior is.

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 2022-09-16 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) 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