vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
on or about XX/XX/XXXX, i applied for a secured loan with one main financial in XXXX indiana. 
i submitted all required paperwork, and my loan was approved with a re-finance of a vehicle in my name that has quite a bit of equity in it. 
i was very clear in every step of this process that the vehicle in question was registered in North carolina, as i am a nice mom and purchased this vehicle for my daughter. 
One main even informed me that they were aware of the vehicle being registered in North carolina. they confirmed this as true as they were able to see an electronic title and registration for my vehicle. 
i went into the branch in person to work on the paperwork for loan closure. 
when i went into the branch the manager informed me that they assumed my vehicle was registered in Indiana since north carolina and indiana vehicle titles look the same Even though i asked repeatedly they were aware the vehicle was titled in NC. 
one main said sorry, we cant do this loan and denied it. 
i received a letter with adverse credit actions taken- which i dont understand as the loan was approved. 
I reached out to corporate on XXXXand asked why a financial institution is not doing due diligence to validate customers Personal information when applying for a loan. 
I also want to know what the adverse action letter was received that my loan was denied for high loan to income value - but the loan was Approved. 
corporate called me back on XXXX and said they would investigate but would be leaving the office early. they asked i provide a copy of my vehicle in questions registration, which i did on XX/XX/XXXX. 
when i did not hear back from corporate by XX/XX/XXXX i reached out again to ask for an update. 
corporate gave me the run around again, saying they did not receive my registration photo ( why they didnt reach out and tell me this no idea ) so i resent the copy of registration again on XX/XX/XXXX. 
It has no been almost 30 days and i still have no answers on why the loan was approved and then denied with false reasons, why i received an adverse notification letter, and why one main who is a financial institution has no regard for customers PII information, or does not do due diligence when working through a loan. 
i myself work in a financial institution, and this is NOT the way we treat customers and their sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am writing to file a complaint against Bank of America, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, BOA continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with BOA for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, BOA has continued to report the account on my credit report, which has negatively impacted my credit score. 

This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against BOA for its failure to comply with the FRCA. I also request that you ensure that BOA removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.

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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I received a call from an unknown number. The person calling kept asking me who I was but would only provide her name without telling me where she was calling from or what the call was about. I subsequently ended the call. 

I then called a different number to pay for a debt and just so happened to get connected to the SAME person. I asked her why she didnt just tell me who she was when I answered and she said you wouldnt identify yourself. As I tried to explain to her that there are scammers she continued to rudely talk over me. I asked to speak to a manager and she claimed that she was the managerat that point I once again tried to explain to her that I understood it was her job to call to try to collect payment but I would have appreciated if she would have just simply stated who she wasat which point she started to yell at me and told me that I was being shady screening my calls and I told her that was very rude to call me that and she started telling me I needed to fix my attitude because she has control over whether this gets reported to my credit or not WHICH IS CLEARLY a threat to me regarding damaging my credit simply because Im trying to explain to her that I dont want to be scammed? She was VERY rude and VERY condescending and jokes on her, Im a lawyer and I have all the time and energy. I already told her clearly that I had no problem with them trying to collect the debt because it was rightfully owed HOWEVER, how dare you tell me that I am not allowed to screen my calls and call me shady because I dont know who a person is calling asking me who I am? Absolutely unacceptable, unprofessional, and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: NC

Complaint narrative:
I have submitted several disputes to Equifax about inaccuracies on my consumer report. By law nothing should be on my report that is incorrect or not exact. Equifax has published my report and nothing is valid or correct. I have disputed this information over the past 2 years with no success I have been denied credit due to Equifax inaccurate reporting. Credit Cards are being reported open with the wrong amounts, and dates, Student Loans reporting wrong amounts and dates. Debt Collection accounts are being reported as past due. Everything on my report is incorrect and I demand everything be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Porania, LLC
State: SC

Complaint narrative:
I have been disputing this issue with all three credit agencies to get them to agree to remove the negative items from my credit report. This have been going on for years now and I have reached out to credit repair companies with little or nothing with no resolution. Right now I have two bankruptcy on my credit report. A XXXX  XXXX and XXXX, but they are the same case and this type of reporting is not right. I have also sent them documents showing this with no response. So if you are trying your best to better yourself and get your credit back right why wouldnt they try and help. Also I believe that statutory timeline as defined by the Fair Credit Reporting Act ( FCRA ) for at least the XXXX  XXXX bankruptcy because thats been on my credit report since 2016. So if you guys can help in any way that would be greatly appreciated. Thanks and if you need me to send in any documentation please let me know.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-22 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: IL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-22 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: NY

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
Friday, XX/XX/XXXX - Activated card via telephone with a person. All set. 
Monday, XX/XX/XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. Problem : Invoice in husband 's name, only my name on card. 
Tuesday, XX/XX/XXXX XXXX - Called, spoke with an agent he said he " unlocked '' the card and added my husband on the card. All set. 
Tuesday, XX/XX/XXXX XXXX - Tried to place the order again. Card was declined. 
Wednesday, XX/XX/XXXX XXXX - called, agent verified my ( 2 ) phone numbers but the ( 2 ) phone numbers were not mine nor ever been mine????? He took my ( 2 ) numbers again and after 20 minutes he said my card was " unlocked ''. All set. 
Wednesday, XX/XX/XXXX XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. The message from XXXX XXXX : XXXX  XXXX XXXX : transaction failed. This transaction has been declined ; SEC Code 175 with account # XXXX XXXX thru XX/XX/28 SEC Code 175. Translation : the SEC Code on the card doesn't go with the Account number on the card. 
BANK OF AMERICA VISA US and XXXX XXXX International Collect XXXX Is this fraudulent or a scam?

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has messed up my rent payment causing late and nsf fees of $ XXXX to my account. I have paid my balance down to {$0.00} which is why they said it failed the first time now the response is they tried to take the money from my debit card not my credit card. Im so confused and when I try to call you can never get a live agent they just have you fill out a request form. So I called Wells Fargo which is who XXXX  is ran by and Wells Fargo stated they have been trying to get ahold of XXXX for months and have filed multiple complaints. I will now get an eviction notice because XXXX has failed to pay my rent with my credit card balance at {$0.00} they have made no attempt to help or even give me definite information on why Im  having this issue.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Why am I losing points on my credit score for a collections removal? Please make this make sense to me that Im penalized via my credit score for having a collection removed that shouldnt have been there in the first place.

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 2023-06-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
Why does this account show different collection agencies names and when I look up contact information for the collection agency that is being furnished on my credit report, nothing comes up? There are many FCRA violations here and I have been trying to get this inaccurate information removed from my credit report for 3 months. I am now disputing this information with the credit bureaus as I have tried to find the agency you are reporting but it has been to no avail. Please explain how you are reporting accurate information when there are different agency names. Also, I was never sent any correspondence notifying me that this account was sold. Nonetheless, the account was paid in full because I do not believe in having unpaid debt. Even though the original company did not do their due diligence to inform me I still paid the balance, and you are still reporting inaccurate information on my credit report. I am demanding that this account is removed due to it being paid to the collection agency. I contacted the original creditor and will attach the letter to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I went to XXXX XXXX XXXX, XXXX and graduated in XXXX. I had to consolidate my student loans from my XXXX XXXX XXXX at XXXX, XXXX, in order to get loans for XXXX. I am now part of the class action law suit for the Borrower Defense to Repayment Act, Sweet vs. Devos. I applied in XXXX and was denied, under Devos ' tenure. Under the lawsuit, I am eligible for the forgiveness of my loans ( which has not happened yet ). I am not eligible for a refund of what is paid, because I was required to consolidate my loans into a privately held student loan by Navient XXXX XXXX XXXX ). There was another lawsuit against XXXX XXXX XXXX and Navient, which I did not qualify for because I did not miss any payments. I should not be punished for making on time payments to a school that was shown to have malicious, predatory lending practices. I believe that Navient should refund what was paid. I have XXXX  children and another XXXX, child. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: LA

Complaint narrative:
I sent the attached document to XXXX, Transunion and XXXX on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear Credit Reporting Agency, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXXXXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove 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