vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have submitted the remit/coupon ( {$1100.00} ) provided by the company for payment. They have not credited the account as of today. This has affected my credit score.My instrument was not returned as stated " to dishonor return within 3 business days. '' view BankAmericard XXXX XXXX XXXX - XXXX Account Summary Current balance : {$1100.00} Total credit available : {$140.00} Cash credit line available : {$140.00} Card Details Total credit line : {$1300.00} Cash credit line : {$200.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXX Last payment date:XXXX Last payment : {$100.00}

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 explanation
Consumer complaint received 2022-02-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: VA

Complaint narrative:
I would like to state that XXXX and Transunion is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX or Transunion written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX or Transunion to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX and Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX and Transunion wants to continue doing business with me they should delete these inaccuracies from my consumer 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 2022-02-24 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: VA

Complaint narrative:
I would like to state that Experian and XXXX is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Experian or XXXX written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow Experian or XXXX to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian and XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Experian and XXXX wants to continue doing business with me they should delete these inaccuracies from my consumer 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 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I I do not consent to the following closed accounts being reported on my consumer report by transunion block and remove them. The closed accounts are XXXX XXXX XXXXXXXX, Balance {$510.00} opened XXXX, XXXX XXXX XXXX, Balance {$0.00} opened XXXX.XXXX XXXX XXXX , Balance {$0.00} opened 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 2022-02-24 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I the consumer asserted my rights to validate a debt with Capital One Bank USA Na. However, Capital decided to violate my rights. I have details of these individual actions in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have XXXX inquiries that is not mines and i want it removed as well asap under the FCRA XXXX  XXXX XXXX  - XX/XX/2021 XXXX- XXXX XXXX  XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 2021

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 2022-02-24 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 have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have 5 inquiries that is not mines and i want it removed as well asap under the FCRA XXXX XXXX bank - XX/XX/2021 XXXX- card service XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXXard service XX/XX/2021 XXXXl XXXX bank XX/XX/2021 2021

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 2022-02-24 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: TX

Complaint narrative:
good evening this complaint is being made on Experian and XXXX  XXXX  for providing me with false results, non compliance procedures and for violating my right to privacy. 

XX/XX/2022 I wrote to experian wanting to excerise my rights to Opt Out of having my private confidential information being reported by a non affiliated third party. 

XX/XX/2022 my results say these XXXX accounts were updated. well while looking over my before and after results there was not a single field that was updated to show proof to support experiens results. to my understanding if Experian chose to update a account then their results must reflect such update in order for me to comprehend their investigation. how can these results say updated but nothing was updated? every field is reporting the exact same with the acceptation of changing the processing of their dispute in XXXX XXXX either this is a stall tactic or Experian did not investigate this account to begin with, either way they are in violation for non compliance after I brought this letter to their attention. in addition how could experian complete this investigation so quickly? my letter was sent XX/XX/2022. I allowed about 5 days in order for them to receive my letter so that puts my letter in their office about XX/XX/2022 and they completed their investigation in XX/XX/2022 in 9 days? 
I never received the disclosures from XXXX XXXX to show proof that they in fact sent them to me before they could report these XXXX accounts. another reason why experian is in non compliance, because if they investgated then wouldn't I receive what I notated in the letter from first premier to prove they can report legally? under 15 u s code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) XXXX  XXXX  is REQUIRED by LAW to provide me with such disclosures if they CHOSE to report my non public personal information to a nonaffiliated third party. these documents are not supported. under 15 u s code 1681 ( a ) ( 4 ) I have the right to privacy and since you have authority to help conosumers like me who's rights have been violated from creditors/third party entities who continuously violate the United States Code I am hoping you can assist me.

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 2022-02-24 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have sent dispute letters to Department of Education/Navient . They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Department of Education/Navient is not reporting accurate information. On my XXXX XXXX  XXXX credit report, there are several dates where the data is unknown ( marked by an X ) or not reported. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Department of Education/ Navient is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Department of Education/Navient must comply to any provisions to make my credit report compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-02-24 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: GA

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result. I have sent the letter to them over 30 days ago regarding the incorrect items on my report. 

Please see attached documents.

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 2022-02-24 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: WI

Complaint narrative:
I have unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX  that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 have been trying for the past year trying to remove XXXX fraudulent accounts on my credit report. I did what the bureaus told me told me to do. I filed an ftc report, i got a police report. Yet the bureaus will still not remove these fraudulent accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: GA

Complaint narrative:
In XX/XX/2021, I faxed my 3 tax bills to Homeside to make sure that they had the bills in order to pay my property taxes from escrow. The 3bills are as follows : 1 - 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- {$830.00} ( PAID ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- {$2200.00} ( PAID ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$200.00} ( NOT PAID ) I have corresponded with Customer Service and the Research Department by phone. I have also sent in multiple emails with the documentation including the bills, the deed to the property, as well as a map of the property. The tax commissioner also faxed in a letter explaining that my taxes were delinquent but Homeside maintains that their tax department 's research concluded that I owed no further taxes. Much to my surprise, the tax department can not provide documentation as to who they talked with and when they communicated with this person. I have requested that this information be provided, but to date, it has not. I am asking for Homeside to pay the taxes that are itemized in the bill as well as included in the closing documents. Additionally, I am asking them to pay for any late fees and/or interest associated with this incident. I should not be encumbered by any of the late fees or interest.

Company response to consumer: Closed with explanation