vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 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: VA

Complaint narrative:
In XXXX I opened an account with XXXX XXXX while purchasing a car. 
Every payment per month, I obtained XXXX point toward my credit score. During Covid, I complained about the company XXXX XXXX for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the XXXX XXXX staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late. 
Their efforts failed. Their system partners with credit bureaus such as Equifax, XXXX, and XXXX. XXXX has reported XXXX point increase every XXXX months. Equifax and XXXX have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX. 

In retaliation to my complaint, XXXX XXXX recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the XXXX XXXX, Equifax, XXXX, and XXXX have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX XXXX XXXX reached a settlement of {$550.00} XXXX dollars with XXXX states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of XXXX XXXX, Equifax, XXXX, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, XXXX XXXX, Equifax, XXXX, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NV

Complaint narrative:
I was a victim of Equifax data breach. In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 usc1681 section 602 states I have the right to privacy. 15 usc1681 section 602 states 2 : it also states a consumer reporting agency can not furnish account without my written instruction. 15usc16666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # 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 2022-12-04 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Saturday, XX/XX/2022 XXXX XXXX XXXX XXXX Department XXXX XXXX po box XXXX, XXXX, VA XXXX XXXX -DID NOT INITIATE THE DISPUTED XXXXXXXX XXXX CHARGE OF {$500.00} after Consumer finished Document Up Load TO N.F.C.U. or START DISPUTE INVESTIGATION SINCE XX/XX/2022. 

This Consumer Phone N.F.C.U CONCERNING the UNAUTHORIZED XXXX XXXX XXXX CHARGE OF {$500.00} - PENDING IN CONSUMER 'S ACCOUNT WITH N.F.C.U..

This Consumer phoned N.F.C.U. Unauthorized Charges Department asked the Representative Her opinion. Her Response was it looked " QUESTIONABLE ''. CONSUMER REQUESTED THIS PENDING CHARGE BE DECLINED. REPRESENTATIVE STATED COULD NOT DECLINE WAIT TILL POST. 

SINCE XX/XX/XXXX, XXXX CONSUMER HAD PHONED MANY TIMES FOR N.F.C.U. UPDATES- " ALL PHONE CALL UPDATES STATED- " WAITING FOR ASSIGNMENT. '' BEEN APPROXIMENTLY 21 DAYS, N.F.C.U.CONTINUTED THIS INACTIVE PROCESSI HAS BEEN IDLE. 

CONSUMER BELIEVES N.F.C.U. SHOULD OF DECLINED THE XXXX CHARGE OF {$500.00} AS " QUESTIONABLE " AND AT THIS CONSUMER 'S REQUEST. 
.CONSUMER ATTACHED NUMBERIOUS ATTACHMENTS CONCERNING N.F.C.U. and XXXX XXXX XXXX PENDING CHARGE. 

XXXX XXXX HAS A FRAUDULENT BUSINESS MAILING ADDRESS. 

THIS CONSUMER CALCULATED COSTS AND PUNITIVE DAMAGES- ( {$500.00} PLUS A CONSUMER UNNESSARY PERSONAL LOAN, TO COVER CREDIT UNION LEFT CHECKING ACCOUNT XXXX  CENTS. 

CONSUMER REQUESTED PUNITIVE DAMAGES OF {$50000.00} BUT SEEING THE RETURNED CERTIFIED MAIL ADDRESSED TO XXXX ADDRESS IS A PHONEY ADDRESS, UPED THE PUNITIVE DAMAGES TO {$100000.00} INSTEAD OF THE XXXX 

THIS FINANCIAL CRIME COULD HAVE BEEN AVOIDED BY N.F.C.U. 'S DECLINDING THE {$500.00} IN THE FIRST PLACE. 

C.F.P.B. 'S XXXX XXXX XXXX  COMPLAINT ID : XXXX. 
CONSUMER UP DATED XXXX XXXX XXXX PUNITIVE DAMAGES TO {$100000.00}. DUE TO THEIR CRIMINAL FINACIAL CRIME. 

PLEASE REFER TO ATTACHMENTS BELOW.. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent dispute letters via certified mail on XX/XX/2022 to Experian disputing items on my credit report that are not mine. Experian received & signed for the certified documents on " XX/XX/2022, XXXX pm. '' All proof is provided in the uploaded documents. 

Per my letters, " If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days from the date above this letter, then you must remove these accounts from my credit report immediately. '' Experian has failed to provide legal documentation & requested files to verify accuracy of the items in dispute within 30 days from the date of my letter, so Experian is legally required to remove the items in dispute at once. If Experian fails to comply with FCRA 15 U.S.C. 1681i, I will move forward with the process to sue Experian for " negligent & willful noncompliance. ''

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone hacked my phone number, cell phone, and using my social security number, driving license. I have several bank account. Always change my online access and using my debt card. Contacted with bank using my social security. Paying bill, taking money from my account. I don't have any control my bank accounts.

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 2022-12-04 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. XXXX  XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Have several accounts that I have never been late on and they are being reported as being late and closed.

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 2022-12-04 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: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cantat furnish a account without my written + instructions.

15 USC 1666B : A creditor may not treat cik payment on a credit card account under an open end consumer credit plan as late for 284 purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NV

Complaint narrative:
Have XXXX accounts that show as late and closed. This is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent dispute letters via certified mail on XX/XX/2022 to Transunion disputing items on my credit report that are not mine. Transunion received & signed for the certified documents on " XX/XX/2XXXX XXXX XXXX. '' All proof is provided in the uploaded documents. 

Per my letters, " If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file as of this date that you used to verify the accuracy of the accounts listed above. Unverifiable accounts must be removed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days from the date above this letter, then you must remove these accounts from my credit report immediately. '' Transunion response, " this account is verified, '' while failing to provide requested legal verifiable documentation is an immediate violation of my consumer rights under FCRA 15 U.S.C. 1681i.

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late f purpose.

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 2022-12-04 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
( Notice of Cease and Desist ) This is a WARNING NOTICE. I am a consumer/natural person, and my consumer rights have been violated by LVNV Funding LLC XXXX and Resurgent Capital Services, LP, according to the FDCPA. 

Pursuant to 15 USC 1692c ( c ), I refuse to pay any alleged debt and demand that the debt collector ( s ) : LVNV Funding LLC, and Resurgent Capital Services, LP, cease all communication with me regarding this alleged debt, through email, text, mail, and any other medium. Please Cease and Desist all communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XX/XX/XXXX - Bank of America closed my account without notifying me. On XX/XX/XXXX I couldn't log in to my online banking. I tried resetting password, no luck. Finally received error message : There are no open eligible accounts to display for this Online ID. We are unable to service your request. If you need further assistance, please call XXXX. 

Called phone number and was told my account had been closed, when I asked why the only thing they would tell me is that it was for business reasons? I requested 6 months of account statements via Mail. Its been XXXX weeks and nothing has been mailed, statement or check. 

I had a direct deposit hit my account on XXXX BOA notified me by email of direct deposit received. 

I have called daily to figure out how/when I would receive check with funds from my account. Im either transferred to another department and hung up on, or the line goes silent. 

I have been living without access to my money and I cant get any information or acknowledgement of funds being sent to 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 monetary relief
Consumer complaint received 2022-12-04 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal has reported XXXX late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/XXXX 2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 SC 1681 Section 604 A Section 2 : It also states a consumer agency cant furnish an account without mv written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

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