vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-12 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: GA

Complaint narrative:
The finance company still shows a balance and open account when 2 months ago the account was paid in full according to the finance company.

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 2023-07-12 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: DC

Complaint narrative:
XXXX is reporting inaccurate information on my credit profile I've asked XXXX to do a full investigation into this fraudulent account and delete it immediately however XXXX is continuing to report fraudulent information on my credit profile with no explanation of the investagation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: DC

Complaint narrative:
XXXX is reporting inaccurate information on my credit profile I've asked XXXX to do a full investigation into this fraudulent account and delete it immediately however XXXX is continuing to report fraudulent information on my credit profile with no explanation of the investagation

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 2023-07-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-07-12 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: CA

Complaint narrative:
I am writing to report an unfortunate and unsettling experience I had with TransUnion, a credit reporting agency. Despite making numerous attempts to correct my personal information and rectify inaccuracies on my credit report, I have faced significant difficulties that not only violate my rights as a consumer but have also left me deeply frustrated. 

I sent a dispute letter to TransUnion on XX/XX/2023, which was received by them, as certified, on XX/XX/2023. On XX/XX/XXXX, I contacted the agency and was informed that no action had been taken as the instructions in my letter were supposedly unclear. I reiterated my request to correct my personal information and remove inaccurate accounts including collections, charge-offs, and other erroneous information. The agent assured me that my personal information had been updated, the inaccurate accounts removed, and that I should see the update within seven days. 

However, I have encountered significant technical issues with the TransUnion website, effectively blocking me from accessing my account and thereby denying me the ability to verify the corrections. A representative did acknowledge the problem and promised resolution within 48 hours. This timeframe has since passed, and I still am unable to access my account. 

Furthermore, in my pursuit to obtain a copy of my report, I was transferred to a different agent. Despite a previous confirmation that there were no negative accounts on my report, this new agent informed me that my account was in dispute and, therefore, she was unable to provide me with a copy of my report. Yet, she stated that my credit report- which is still disputed and potentially inaccurate - would remain available to creditors. This is deeply concerning and, to my understanding, violates my rights under the Fair Credit Reporting Act. 

I sought further clarification by requesting a transfer to a supervisor, only to be abruptly hung up on by the agent, further exacerbating my dissatisfaction with the service I received. 

In light of these events, I kindly request the intervention of the Consumer Financial Protection Bureau to address these discrepancies, ensure my consumer rights are upheld, and help rectify this situation promptly. I believe that access to accurate personal credit information is crucial and any impediment in this regard needs to be addressed 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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been a Bank of America customer since it took over XXXX in 2004. During that time I was DEFINITELY a victim of fee-gouging ( overdraft, etc ). Additionally, I had a loan with Bank of America only to realize it was actually a CREDIT CARD, and I did not receive the benefits of having said credit card. Sadly there are limits on the research I can do within my Bank of America banking portal. How should I move forward to deal with a final amount to be refunded?

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 2023-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has reported incorrectly on my credit report which is presently being reported negatively on my XXXX Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION.

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX  years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
XXXX XXXX has reported incorrectly on my credit report which is presently being reported negatively on my Experian Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: FL

Complaint narrative:
This company with a XXXX XXXX with phone # XXXX is texting & calling anyone I may know regarding a debt I owe. No contact via mail, nothing and they are referring to a very old ( XXXX yr ) contact information. Also calling XXXX. I barely know the people they are reaching out to and no one has contacted me. It is threatening and embarrassing.

United Recovery Systems who I had never heard of before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Advantage LNS Inc.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE XXXX  STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TekCollect Inc.
State: VA

Complaint narrative:
Under 15 U.S. Code 1681c1 Companies committing this crime of sharing my personal data and information without my consent. this has affected my credit negatively and I would like to have this wioed from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I started working with XXXX delivery and was told I already had a Branch bank account set up but I have not been able to get into it. The bank refuses to help me and the XXXX  company has nothing to do with it. I have been reaching out for two weeks. I have a XXXX XXXXXXXX that was deposited on XX/XX/2023 as well as a week before and have yet to see my money.

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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have had a loan with Santander Consumer USA since XXXX of XXXX, along with the way I have had some job losses that resulted in not being able to pay my bills timely due to unemployment benefits denial and lack of financial support as I am alone as well as pay for everything independently. They recently waived {$200.00} of the late fees as a courtesy in which I am appreciative of, however I am trying to pay this vehicle off as QUICKLY AS POSSIBLE so that when I am in a position to do so I can easily purchase or lease an SUV sometime in XXXX. 

The co-borrower on this loan is not in a financial position to assist as we have been estranged for XXXX  years due to personal reasons and she is barely making ends meet as she works under the table due to not having a full-time job since XXXX. 

I am starting to get back on my feet slowly, I am doing my best to make ends meet as I am picking up odd jobs until I have a full-time position and I am also homeless in which I live in the vehicle. 

I was evicted from my home along with my job loss in XXXX, in addition to the job losses from XX/XX/XXXX to XX/XX/XXXX I was in an abusive relationship where I was beat to pulp resulting in me almost XXXX, XXXX on my medications that I pay for out of pocket because I can barely afford due to lack of insurance and can not afford the co-pays for any therapies or medical care. 

I also tried to XXXX XXXX to escape the abusive relationship in which my ex-fiance is in jail for XXXX years because he violated his probation as I called the authorities on him after he repeatedly XXXX me resulting in me contracting XXXX XXXX along with having intimate relationships with others in which he contracted XXXX XXXX from doing so. 

Prior to all of this, I had a full-time job along with going to school for an education in which I have completed, and I am in the process of applying for the master 's program. 

I am trying my best to make ends meet; therefore, I can not afford the {$200.00} amount in late fees in which I explained to Santander that I was terminated with no money coming in and no financial help from anyone as I am estranged from family and friends for personal reasons. 

I still want the vehicle, however I am asking that the {$200.00} late fees along with the total balance of the loan be forgiven without having to surrender the vehicle as it is my place of residence due to being homeless since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX bank of America has allowed fraud to be committed with my credit, in fact, This past Sunday on XX/XX/2023. 
I just received 3 emails from Bank of America in forming me that they just received multiple applications with my social security number and credit information to open up XXXX. Bank accounts. 
XXXX tried reaching out to Bank of America XXXX XXXX Monday the next day XX/XX/2023 and I was refused service by multiple employees I spoke. With them on the phone as well as I spoke with the find department and I spoke with many other different departments. 
Over the phone to Bank of America customer care and fraud department an issues and I was also refused help and assistance with this issue and they also hung up. In my face multiple times when I asked to speak to a supervisor in inform them that I was going to have my attorney get involved in this immediately they. Still refused me and. 
Refuse to help me in any way and just left me on hold when I told them that I was adding my attorney to this issue 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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