vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: Southern Auto Finance Co
State: MO

Complaint narrative:
SAFCO- Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: AR

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. This is the account needs to correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$7700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: MD

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX BG XXXX ) XXXX Balance : {$0.00} ; 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
Consumer complaint received 2023-05-16 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: MD

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX BG XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Report AXXXX, this creditor, XXXX XXXX has violated my rights. Under, 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.Code 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any 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
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts name 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 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 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 item 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 non-monetary relief
Consumer complaint received 2023-05-16 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX Balance : {$650.00}

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 2023-05-16 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
A bank officer from U.S. Bank ( XXXX XXXX ) merchant banking in XXXX XXXX XXXX XXXX contacted me over 6 months ago. He was persistent in getting me signed up for the credit card processing with their partner XXXX. XXXX told me that if I sign up I would receive {$1000.00} in my business checking account within 2 months or so. I did sign up with their ( U.S. Bank ) credit card processing system managed by XXXX. It has been over 6 months and XXXX XXXX has been stringing me and others along with misrepresentation and deceptive practice of signing up U.S. Bank customers for credit card processing with a false promise of {$1000.00} reward in deposit in checking. 
I have all proof of his texts, etc.. This deceptive and unethical practice must be stopped and a penalty must be provided to me and your agency for misrepresentation and deceptive practices by a U.S. Bank employee.

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 2023-05-16 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: CA

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 explanation
Consumer complaint received 2023-05-16 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: MO

Complaint narrative:
I am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this 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 2023-05-16 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: MO

Complaint narrative:
I am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After sending several dispute letters requesting an investigation on two accounts that are reporting inaccurately, filing a complaint with the Consumer Financial Protection Bureau seems to be the best options. I have been requesting an investigation from 2 accounts since XX/XX/2023. It is not XX/XX/2023 and I have not received any evidence or correspondence from Equifax. With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, as a consumer, I have the power to challenge every questionable negative item on my credit report. According to the law, it ensures that bureaus report only 100 % accurate credit information. Each step must be taken to assure the information reported is completely accurate and correct. Unfortunately, this is not the case with the items Ive attempted to dispute. 

I find being ignored and my concerns being neglected and unaddressed to be truly unfair ; thus requiring me to file a complaint to expediate addressing this ongoing matter. I am in the process of purchasing a home and came across 2 accounts that are reporting inaccurately which violates a few of my consumer rights : XXXX XXXX : XXXX XXXX XXXX : XXXX During the time of these late payments, we were in the middle of a pandemic. Due to COVID-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the COVID forbearance program. I am a consumer who was tremendously affected by COVID. How were late payments being reported when according to the FCRA and my consumer rights, I was protected under the CARES Act? After doing research, I also noticed that consumer rights were also violated under 15 USC Code 1681s2 ( F ) Reporting information during COVID-19 pandemic. It states that during this period, all reporting should reflect as CURRENT. My rights have been violated which has caused me to take actions to protect myself at all costs. 

Pursuant of 15 USC 1681i Paragraph ( 5 ), any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( i ) promptly UPDATE to PAID, NEVER LATE. The most fair and desirable outcome would be to UPDATE to PAID, NEVER LATE as soon as possible. This information is inaccurate and misleading and as such represents a very serious error that is detrimental to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
THIER WERE 3 CHARGES 2 OF ITEAMS XXXX HAVE NOT BEEN RETURNED TO ACCOUNT STATED AT XXXX XXXX XXXX WAS THE FINAL AMOUT THEY WERE TO SEND ME STATEMENT SHOWING WERE MONEY WENT NEVER GOT THEM PAY PAY I GOT A WORKMAN COMP SETTLMENT DEPOISTED IN TO PAYPAL MY NAME SS NUMBER DRIVERS LICENSE IS ON THE ACCOUT IT ALL MY MONEY AND ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Trans Union is sill violating my rights & breaking the law. By The Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Trans Union is required by federal law to verify this bankruptcy on my report & they never did with physical proof. Trans Union had 30 days to prove & it's been almost 5 months! I sent them a letter from the Bankruptcy courts stating they do not report to the credit bureaus & yet Trans Union is still reporting fraud! Trans Union uses a 3rd party company to collect public info & that is against the law & any one can use your info. fraudulently. This bankruptcy is scheduled to be removed XX/XX/2023 any way, however, that is too long!! This Error Trans Union is reporting, is messing up my ability to obtain further credit for a home & car. Furthermore, XXXX XXXX XXXX have already removed this Bankruptcy, because they follow the law. I would appreciate Trans Union stop breaking the law, violating me & remove this Bankruptcy immediately. THANK YOU!

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 2023-05-16 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: MO

Complaint narrative:
I am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I signed up for the Barclay AAdvantage Business Card on XX/XX/2023 for sign up bonus of XXXX miles and {$95.00} statement credit. I had until XX/XX/2023 to make a minimum {$2000.00} purchase for the sign up bonus. I didnt realize that annual fee does not count towards the minimum spending. I called Barclay on XX/XX/2023 where I was told that I met my minimum spending requirement and that my sign up bonus should be in my account in the next statement period, which obviously didnt come. I called again today and I was told that nothing could be done, even though I was given FALSE information by Barclay and therefore I didnt receive the sign up bonus.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
PHH mortgage company has repeatedly stated they would expedite sending me a partial payment from my insurance companys settlement check. Each time I follow up with them they state that there is no record of them receiving a request for a release of funds. My home was seriously damaged from hurricane Ian and I can not make the repairs without receding the funds. The repairs are needed to replace shattered windows. They also have not scheduled an adjuster to review the completion of their 90 % repair requirement. In essence, they are holding my insurance proceeds for no reason. This seems unethical and fraudulent. I am a XXXX citizen and the stress is killing me. Please help!

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 2023-05-16 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 — Investigation took more than 30 days
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I only owned one credit card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, Bank of the west sent me a new card after my credit card got fraud charge. Then, Bank of the west made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited Bank of the west 3 times and must had called them 7 times 3 weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about 3 weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. Bank of the west representative stated they started investigation more than 30 days ago. I heard that at least 3 times from different representatives over 5 months. They never called me back. I called them multiple times, they have made no progress, in past 5 months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from bank of the west. I desperately need to fix credit score to buy a condo. Thank you very much.

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