vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
We purchased this vehicle on XX/XX/XXXX. In XXXX of XXXX my husbands job moved us to XXXX At that time, with no communication as to why, our payment went up {$110.00}, from {$1700.00} per month to {$1800.00} per month. We called and were advised that XXXX had a lease tax. On XX/XX/XXXX my husbands job moved us to XXXX We sold our home in XXXX and bought a home in XXXX. We changed our addresses on file with US Bank. We registered our vehicles, including this one, immediately in XXXX. We called US Bank in XXXX and asked when the XXXX tax of {$110.00} would be removed. They said it would come off and we just needed to wait. I called again XX/XX/XXXX to inquire when they would be removing this amount. It took an hour to reach someone and I was told that after speaking to a " credit specialist '' we had to call XXXX XXXX XXXX Tax assessors office and tell them to stop billing US Bank the XXXX Tax Amount. I asked how I was supposed to do that? I lived in XXXX and I know the tax assessors office is not reachable by phone and I am XXXX hours by car. They proceeded to hang up on me. I immediately tried to call back. I headed another " banker '' XXXX and told her what happened. I told her I was officially disputing the XXXX  tax amount. I just can't with them any longer. They are doing something similar on another account which I will be filing a separate complaint for. My husband and I are rule followers. We pay ALL of our bills on time always. This account is current. As of now they have collected XXXX months of this extra tax that they should not be collecting. We are asking for assistance as this company is absolutely refusing to help us in any way with any account we have with them. I am attaching the original contract. The last statement with the original payment amount, XX/XX/XXXX. The XXXX statement with the additional tax amount XX/XX/XXXX and who I talked to when I received it. And our most current statement from XX/XX/XXXX which has been paid.

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 2022-07-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I attempted to make a transaction with my BofA debit card using XXXX as a service provider in XXXX. 

The merchant is XXXX XXXX Service provideXXXX XXXX The transaction amount XXXX XXXX pounds XXXX usd. 

The transaction was declined XXXX times and I never completed it and it was never authorized. The service provider did not receive the funds from BofA as they never received authorization. 

BofA withdraw the money from account without completing the transaction or providing authorization I have since filed a claim and they wont provide me a provisional credit or any additional information who they sent the money to.

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 2022-07-25 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted XXXX complaints to Hyundai motor finance and XXXX XXXX XXXX. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from Hyundai. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her Hyundai Motor Finance ( HMF ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While HMF is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. HMF has reviewed the account of XXXX XXXX and believes the reporting is accurate. HMF has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and XXXX, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to HMF, who will then re-open their investigation HoweveXXXX XXXXXXXX investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never 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 2022-07-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Somehow Someone opened an online account with XXXX and Equifax at this point my identity was used to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Somehow Someone opened an online account with XXXX and XXXX at this point my identity was used to do so.

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 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have requested a Signed contract between me and the so called merchants from XXXX, XXXX, Capitol One, XXXX XXXX XXXX and XXXX XXXX 
I have been physically XXXX since XX/XX/2013, I have not worked and I have been on XXXX XXXX since. I do not have the resources to apply for a credit card. I just found a program that helps XXXX purchase used vehicles and because of this fraud under my social security number, I am having a very difficuIt time. I have my XXXX XXXX letter and timeline of Social Security as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-07-25 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:
On XX/XX/XXXX I submitted two complaints to XXXX XXXX XXXX and trans union LLC. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from XXXX. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her XXXX XXXX XXXX ( XXXX ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While XXXX is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. XXXX has reviewed the account of XXXX XXXX and believes the reporting is accurate. XXXX has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and TransUnion, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to XXXX, who will then re-open their investigation However transunion investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never 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 non-monetary relief
Consumer complaint received 2022-07-25 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2022 XXXX XXXX pulled my credit without my authorization to do it

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 2022-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: FL

Complaint narrative:
Student loans with EDFinancial were transferred to XXXX for Processing under the XXXX XXXX XXXX. and are being reported to correctly by XXXX to the credit reporting agencys. But EDFinancial refuses to report the transfer and are reporting the closed loans as open and showing balances for loans they no longer have.Loans transfered XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They used a local attorney to sue me and they received a judgement for {$3300.00}. 
I started making payments in XXXX of XXXX, I made 2 {$50.00} payments ( XXXX and XX/XX/XXXX ). I received notice in XX/XX/XXXX they would be garnishing my wages. They ended up taking {$50.00} more than the judgement awarded. In addition it was PAID IN FULL on XX/XX/XXXX. I disputed with the credit bureaus in the first week of XXXX. They replied back with documents indicating I still owed {$420.00} which is blatantly false as it was not only PAID IN FULL on XX/XX/XXXX, but they had taken {$50.00} more than they were legally allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-07-25 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: CA

Complaint narrative:
Since XXXX, Experian has ignored and dismissed my letters of disputes regarding numerous credit inquiries on my report. In XX/XX/XXXX, I contacted Experian regarding 3 inquiries by XXXX, for the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Experian refused to remove those three inquiries and kept my file unlocked. Recently I had 3 more inquiries posted to my report that dont belong to me. The first is by XXXX XXXX, posted on XX/XX/XXXX, followed by Experian Business Credit on XX/XX/XXXX, and lastly XXXX on XX/XX/XXXX. In total this makes five unauthorized inquiries on my credit report where someone is attempting to obtain lines of credit using my information. Experian has been reckless and continues to post this fraudulent information on my file. They have refused to lock my file upon my request if these five inquiries arent removed, I will proceed with legal action against Experian.

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I opened an additional account with Bank of America on XX/XX/2022, and set up direct deposit from XXXX XXXX XXXX XXXX On XX/XX/2022 my employer sent my funds to account ending in XXXX. The bank have not released my funds in the amount of XXXX. My child and I need medicine and much needed supplies, do to me having covid. Also, I asked for a regular checking and they gave me a different checking acct. Which they didn't explain anything about the new product.

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 2022-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/2022 XXXX XXXX pulled my credit without my authorization to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/22 I got a notification on XXXX XXXX that credit card with Truist ( formerly SunTrust ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called Truist, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited 35 more minutes and was transferred 2 more times ( was on the phone 1 hours & 58 minutes total ) I was transfer to XXXX  credit card dept but was told they can not help and I was transferred to XXXX dept, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.

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 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries are inaccurate and need to be removed as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple dates. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX multiple dates XXXX XXXX XXXX  multiple dates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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