vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX  XXXX and XXXX 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I bought a used XXXX XXXX when I was XXXX XXXX XXXX. I had little credit and had been denied over and over again and I was desperate. The sticker price of the vehicle was {$13000.00} give or take and I barely got approved but never the less was approved by American Credit Acceptance. I was young, I had been in the dealership for nearly ten hours, and I felt like I had no choice but to accept. I was told my monthly payments which were technically within the budget I had naively set for myself and I was rushed through the paperwork so as not to dwell on that fact that not only was I sold an extortionate service contract I didn't ask for but that I would be signing for 26.6 % apr and it would cost me $ XXXX should I pay the loan as intended. ( Not that anyone every expected me to get that for or cared whether I could ) At the time I was making $ XXXX plus miniscule tips and it was immediately apparent I could barely afford this vehicle. I've since gotten better jobs and struggled with this XXXX car for nearly 3 years, earning myself XX/XX/XXXX of dollars in late fees and paying nearly the entire sticker price of the car in interest without touching the principle balance. I couldn't afford to insure it, I couldn't afford to maintain it, it's currently dead outside my house and I'm about to surrender it to ACA but I know they're going to sell it for {$3000.00} and come chasing me down for the deficiency and I've had it. I should've never been offered this loan and it's criminal nickel and dime me three years later having already collected the entire value of the vehicle from me and still demanding an additional {$17000.00}. I made a mistake and I learned the hard way. I shouldn't have to pay for it for the next half a decade. American Credit Acceptance should drown in their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a business transaction with a company called XXXX XXXX to sell them some household items. They deposited {$4500.00} into my account on XX/XX/XXXX, sent a copy of the transaction, and Bank of America reflected the amount in my bank account. 

The supposed representatives of XXXX XXXX in Texas claimed an accounting error and requested a refund of the deposited money amounting to {$3300.00} to be deposited through Bank of America. The money was returned to them on XX/XX/XXXX via a XXXX transfer that Bank of America authorized because the amount still continuing in my bank account. 

On XX/XX/XXXX, the supposed company mistakenly deposited another sum of {$4500.00} again, but this time the Bank of America stopped the transaction because it was a check and email me to explain the situation. 

The company stopped communicating after explain the BOFA hold the second check, and the money continued to be deposited into my account until XX/XX/XXXX, when Bank of America withdrew the funds because they could not find the account. 

This situation has been very complicated because Bank of America claimed to have credited my bank account, leading me to believe that the transaction had been approved. 

If the bank knew it was a check, why didn't they hold the first check like they did with the second one? 

These kinds of gaps make small contributors victims of criminal networks of scammers who impersonate identities. 

Bank of America claims the victim 's problem is that they never led me to believe the transaction had been approved, but the money was in my account for almost six calendar days. 

Bank of America has all the possibilities to hold a check until it verifies that it has funds and not reflect them without certainty. 

Now I have suffered significant financial damages. I am a small contributor, and that money was all I had to cover my personal expenses. 

I hope that justice is served and that Bank of America acknowledges its mistake and refund my money lose, reports the BOFA accounts of scammers it harbors in its bank, and halts its users on 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX  XXXX ; XXXX  XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : STADIUM EMERGENCY ASSOCIATES ) XXXX XXXX ( Original Creditor : STADIUM EMERGENCY ASSOCIATES ) XXXX XXXX XXXX Original Creditor : STADIUM EMERGENCY ASSOCIATES ) XXXX XXXX ( XXXX Creditor : STADIUM EMERGENCY ASSOCIATES ) XXXX XXXX ( Original XXXX : STADIUM EMERGENCY ASSOCIATES ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Well upon discovering this entity saying I owe this and that I have asked numerous times for the original certification of indebtedness and they ignore my request to make me believe that this is not my debt anyways Im going to cite this one more time if it is associated with my social its already paid 12 cfr 192 are you ignoring the house joint resolution wow thats a heavy thing and or 2are you selling the securities with the cert of indebtedness either way this smells bad my social is XXXX I dont have the card number cuz I never had knowledge of this

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 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX  Veteran as determined by the VA I have a home loan now with Penny Mac The name of the loan is in my name and my wive 's name. 

I requested to have to have the loan transferred to our revocable living Trust.

Penny Mac requested documentation to consider and allow for the transfer to our trust. 
We provided all the documents and evidence they requested. 

They stated they would be sending us a written confirmation in the mail within XXXX business days. 
They have not sent that written confirmation. 
We have been requesting ever since. 
We have made more than XXXX requests- all have been evasive and they will not confirm Because the lender ( Penny Mac ) won't send us the written confirmation that we can transfer our loan to our revocable trust, we can not complete our estate planning and they are costing us a lot of money with attorneys In the event something serious happens to myself or my wife, Penny Mac will be putting our loan and estate in chaos and probate, which could cost us years and tens of thousands of dollars All we want is for Penny Mac to do as they promised. And do what they required We have fulfilled all requirements from Penny Mac My name is XXXX XXXX. 
My Account Number with XXXX XXXX is XXXX I am XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 
Penny Mac is wearing me out and I can not handle the stress of them ignoring me Penny Mac has a power of attorney auththorization allowing them to speak directly with my son, XXXX XXXX. I would prefer they speak with him from now on. It is too much stress on me to have Penny Mac ignore me and continue stall tactics. My son, XXXX XXXX, can be reached at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-19 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DELETE HARD INQUIRES THANKS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19 00:00:00
Product: Credit reporting 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX 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