vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a debt from XXXX XXXX, and it was first made more than XXXXyears ago. But yet all of the credit agencies and XXXX XXXX  are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called XXXX XXXX XXXX or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report. 
I believe that after XXXXdays the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: WA

Complaint narrative:
I have a debt from XXXX XXXX, and it was first made more than 5years ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called Jefferson systems LLC or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report.

I believe that after 180days the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: MS

Complaint narrative:
I have tried to have my name corrected with Transunion multiple times. They have my name as XXXX XXXX. I submitted my Driver 's license and provided a police report and FTC report to show that my name was incorrect. They still have not updated it. I have submitted documentation 5 times in the past XXXX years and it still remains. I have also submitted documentation showing that the XXXX " XXXX '' accounts and " Through the XXXX XXXX are also a result of identity theft but they have not removed that either. I submitted a police report and FTC report regarding that as well.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These credit bureaus have been notified XXXX times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX XXXX, but neither XXXX of these are allowed to be on the report and these must be removed. 

I own " XXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2021. I fell asleep with asleep with a girl I didnt know very well in my hotel room and she used my phone to XXXX XXXX herself {$2000.00}. I was really upset and was drinking with someone I also didnt know very well and told him about it and he steals my phone when Im in the bathroom and XXXX XXXX himself the rest of what was in my account which was another {$5000.00}. He also used my XXXX XXXX credit card that was linked to my phone. XXXX XXXX paid me in full for all the fraudulent charges but Bank of America has denied my claim and denied my dispute. I believe this to be unlawful. They told me that they denied it on the grounds that these people had permission to access my account which is obviously not true. XXXX people that should not have had access to my account accessed my account and I havent gotten my money back from Bank of America.

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 2021-12-01 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 settled a debt with XXXX for a car loan on a close account from 2015. I called from a XXXX and on a recorded line XXXX representatives states that my settlement of {$1500.00} would remove this from my account. After filing a dispute with Experian the results came back as if I never settled with XXXX and the results said XXXX said everything was accurate. This is XXXX as the FCA confirms my rights ; I have a receipt of the transaction, and a recording of the settlement. This is now causing 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 explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a debt from XXXX XXXX, and it was first made more than XXXXyears ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called XXXX XXXX XXXX or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report. 
I believe that after XXXXdays the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. 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 2021-12-01 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: NJ

Complaint narrative:
there are Fruadulent inquireies on my account when i call i get transfered around when i tell them i have an FTC report and Police report they do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Employers : XXXX XXXX  Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020

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 2021-12-01 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: Lending Club Corp
State: MS

Complaint narrative:
I had a loan with Lending Club. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called Lending Club to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
Lending Club sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I settled a debt with XXXX for a car loan on a close account from 2015. I called from a XXXX and on a recorded line XXXX representatives states that my settlement of {$1500.00} would remove this from my account. After filing a dispute with XXXX the results came back as if I never settled with Santandar and the results said Santadar said everything was accurate. This is Fraud as the FCA confirms my rights ; I have a receipt of the transaction, and a recording of the settlement. This is now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX during the Housing Crisis Bubble we signed with a Bank od America representive to a equity line of credit. Unfotunately we were ignorant to and not understanding that we had a interest only loan. 

In XXXX we had to file bankruptcy as a result of loss income, however we continued to make payments. Payments were made from XXXX through XXXX ( interest only totaling some {$20000.00} on a laon for {$30000.00}. We have paid close to {$10000.00} in principle from XXXX to present. 

We were told that if we missed a payment or did not pay at all we would be foreclosed on. 

Our bankruptcy case has ben closed since XXXX. The loan when orginated in XXXX was a variable rate, please see most recent statement and how it has been changed. 

We sent a letter to the XXXX, XXXX XXXX XXXX of Bank of America requesting conideration of debt forgiveness or a discounted amount of the loan. The balance today is now is {$21000.00}. We are seniors and plan to retire soon. We received a response from the Bank, declining our request, not from the CEO no signature from anyone. Please see attached.

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 2021-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$3000.00} XXXX XXXXXXXX {$630.00} XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, L Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : HOMEMAKER Date Updated : XX/XX/2012 RDS Date Updated : XX/XX/2012

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX Date Updated : XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I had a loan with XXXX XXXX. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called XXXX XXXX to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
XXXX XXXX sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.

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 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$4500.00} XXXX {$3400.00} XXXX {$19000.00} XXXX {$3600.00} XXXX C XXXX {$2700.00} XXXX C XXXX {$310.00} XXXX XXXXXXXX {$630.00} RECEIV XXXX {$1400.00} XXXX  XXXX {$240.00}

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These credit bureaus have been notified XXXX times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX XXXX but neither one of these are allowed to be on the report and these must be removed. 

I own " XXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/ XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These credit bureaus have been notified XXXX  times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX contractors, but neither one of these are allowed to be on the report and these must be removed. 

I own " XXXXXXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 2018

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