vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 explanation
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
Please check the attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
I have attached document where EQUIFAX has addressed me incorrectly by name which is one of the few incorrect details on my report that I have been trying to get deleted, blocked and updated by sending numerous evidence multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 

1 : TD BANK USA/ TARGET CREDIT 2 : XXXX XXXX XXXX XXXX 3 : XXXX 4 : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
A Bank of America ( B of A ) credit card was opened in my name, it was a XXXX XXXX XXXX through B of A. I called B of A and they closed the account and put a block on the card as well. They also mentioned that an alternative address had been placed on the account, but could not reveal the address to me. I was told the next step should be to contact the FTC or CFPB.

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 2022-09-13 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: HI

Complaint narrative:
TRANSUNION IS INCORRECTLY REPORTING LATE PAYMENTS ON A PAID IN FULL CLOSED ACCOUNT. XXXX BANK ACCOUNT # XXXX THIS ACCOUNT WAS NEVER LATE. IT WAS ALWAYS PAID ON TIME AND IS PAID IN FULL AND CLOSED.TRANSUNION IS INCORRECTLY REPORTING THE DATE THIS ACCOUNT WAS OPENED, THE DATE OPENED DATE IS DIFFERENT THAN WHAT XXXX AND XXXX IS REPORTING. TRANSUNION IS NOT MENTIONING MY NUMEROUS DISPUTES UNDER " COMMENTS ''. 
TRANSUNION IS REPORTING 'DATE LAST ACTIVE ' AS XXXX, EVEN THOUGH I DISPUTED THIS ACCOUNT MANY TIMES SINCE XX/XX/2022, AND TRANSUNION CLAIMS THEY VERFIED THIS ACCOUNT, BUT CLEARLY, THEY DID NOT, PROOF IS IN THE DATE LAST ACTIVE. 
I HAVE YET TO RECEIVE DOCUMENTATION FROM TRANSUNION SHOWING PROOF THAT I WAS LATE WITH ANY PAYMENTS>?? 
VIOLATION AFTER VIOLATION-SO MANY INACCURACIES!! PLEASE REMOVE THIS ACCOUNT IMMEDIATELY.

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 2022-09-13 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: PA

Complaint narrative:
Currently, XXXX, Equifax and XXXX are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with XXXX, Equifax or XXXX. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for XXXX, Equifax and XXXX to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent 2 additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent four letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: PA

Complaint narrative:
Currently, Experian, XXXX and XXXX are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with XXXX, XXXX or Experian. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for XXXX, XXXX and Experian to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent XXXX additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent XXXX letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.

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 2022-09-13 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: SLM CORPORATION
State: FL

Complaint narrative:
XX/XX/2021 and XX/XX/2021, Sallie Mae said I missed XXXX payments. I never missed a payment and have tried to dispute this with them multiple times but it got resolved as a customer disagreement. They processed XXXX of my loans with them as missed payments on the same date. 

My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX This has been a burden on my credit history for years and I am unable to get approved for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2022, I received a letter from The Law Offices of XXXX and XXXX, a debt collection attorney. I called the original creditor on the letter listed as Spring Oaks Capital SPV , LLC. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of XXXX and XXXX to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of XXXX and XXXX to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up.

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I worked hard to finally get myself out of credit card debt, especially with the 25 % interest they put on my account. I called and got my payoff amount and finally got my account to {$0.00}. Come to find out Chase wasn't don't yet and tacked on another {$240.00} interest charge, and then refused to waive it even though the card was at {$0.00} and there wasn't a purchase since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX a consumer credit transaction was initiated with Carmax for a vehicle. In XXXX of XXXX Carmax Seized the vehicle even after I sent various letters to Rescind the contract, Verify, Validate, cease and desist and cfpb dispute. Carmax moved forward with the sale of the vehicle without informing me. This Debt was in Dispute and from my understanding no action should have been taken until resolved. My credit report shows " OK '' for XXXX XXXX and XXXX and I have proof that they were avoiding responding to my letters and request. The dates of the letters that were sent was extremely often and they also called and harassed me in regard to the alleged debt They have since sent me letters about balance but have also Charged off the item and updated it as so to the credit reporting agencies. the account was charged off in XXXX of XXXX and has repeatedly been updating the charge off every month. this is an update in the payment history which to my understanding charged off accounts should NOT include active payment history. Need I remind you this also falsely manipulates the statue of limitations I am demanding the deletion of the following account : Carmax partial account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NJ

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Nelnet/Department of Education noted that " I will need to reach out to those services to obtain your payment history. Per the attached information provided regarding loan history and payment history. No one has the payment, full history of, or even the interest rates for the time between XXXX to justify the loan amount. 
XXXX XXXX XXXX XXXX XXXX to XXXX - XXXX is no longer in business per your words American Student Assistance XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX These companies have no information that I was able to obtain and one is no longer in business. This information should have been provided to the next loan handler when they received this loan back in XXXX, however, they were not. No one can provide me with the full history of this loan so how can The Department of Ed OR Nelnet justify its existence if you don't have all the viable financial information, especially the interest rate of an account that went from around {$7500.00} to over XXXX? Nelnet even took money out of my account when they reopened it back in XXXX and it wasnt noted anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: OR

Complaint narrative:
I initiated a balance transfer from my US Bank visa credit card to my XXXX XXXX credit card in XX/XX/2022. XXXX XXXX sent a check for {$3800.00} on XX/XX/2022. US Bank sent info to XXXX XXXX saying they received it and it was processed on XX/XX/2022. However, the account number was apparently wrong on the check. They claimed they figured out the account didn't exist, so they never processed the check, and it was sent back to XXXX XXXX on XX/XX/2022. It was sent back to the co-op address listed on the check, so it wasn't an actual XXXX XXXX branch or facility. I have been dealing with this since the beginning of XXXX, and I have been going in circles with both banks. Initially, US Bank said they never even received the check, but now theyre telling me they sent it back XX/XX/2022. I have had double the minimum payments, more money spent in interest charges than money on the card for US Bank, my credit usage on my credit report doubled overnight and has stayed there for 3 months even though it's false, all while giving XXXX  to my son and he and I being in the hospital on and off for over a month due to complications. I'm beyond frustrated and at a total loss of what to do. Both banks have representatives who seem to want to help, but no one is ever able to get any answers or gets contradicting information. I have called US Bank and gone into branches over a dozen times the last few months and I've halled XXXX XXXX  a handful of times. All because I filled out a balance transfer request online and it combined the date it was being transferred with my credit card number. It was a long list of numbers, and half of them were zeros. Only last XXXX numbers of the credit card were correct.

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Wanted to start joint checking account with significant other, he has an checking account already with fifth third and wanted to make it joint. I was denied for the checking account! This is not a credit account this is a checking account!!! With our money in it that we want to both have access to and cant do that. He came to fifth and third bank and open the bank account for this reason and I cant be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
Currentl, requested refund from Edfinancial services for PLSF. Customer service has no update and shifts blame to XXXX  for refund delay. No email confirmation, refund is said to take minimum 120-170 days depending on the case. XXXX Updates, must call to check in. has been XXXX weeks since refund has been requested and is still " in processing. '' Had to call to check refund submission was sent. Currently no real updates and I am fearful of the PLSF passing while my loan is reinstated to me with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America allowed someone to open an account under my name and I have been unsuccessful in reaching anyone who was willing to help. I received several emails about the account being opened.

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 2022-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Complaint about Wells Fargo This complaint pertains to previous complaint # XXXX submitted on XX/XX/2022 Referenced Complaint XXXX relates to the title of my car. 
I have made numerous requests for assistance in clearing my title by contacting - XXXX XXXX, - XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX Leasing It is quite clear to me that Wells Fargo XXXX their Partners XXXX XXXX XXXX XXXX XXXX want me to get another XXXX vehicle becasue of the actions to cloud my title. Right now it would be difficult for me to sell my car on the open market or trade my car in at another dealer. 

However, I am sure I would not have any problems if I went to a XXXX dealer to trade in my car. 

See attachments which explain that Wells Fargo was " spoofing me ''. 
See attachments providing information about previous complaint.

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 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act State XXXX Account # 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 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act State XXXX Account # 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 explanation
Consumer complaint received 2022-09-13 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:
XX/XX/2021 and XX/XX/2021, XXXX XXXX said I missed two payments. I never missed a payment and have tried to dispute this with them multiple times but it got resolved as a customer disagreement. They processed four of my loans with them as missed payments on the same date. 

My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX This has been a burden on my credit history for years and I am unable to get approved for anything.

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