vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: MO

Complaint narrative:
XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion.

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
I have a VA Loan. They had a forbearance plan during Covid to help struggling Veterans. I was told that the VA would reduce the overall cost of my loan and allow me to miss payments for 12 months and put those payments at the back of my loan. I did not realize that the reduction was something that I had to pay back. I found out when my credit score went down with the reasoning being that I have a balloon payment that would be due in XXXX. I was devastated and it took a lot of digging before I got the VA to disclose to me where I could find out information about this balloon payment which also turned out to be a lean against my home. This information was not transparent, was not told to me verbally, and was slipped in amount a mountain of paperwork that I signed for the forbearance. The balloon payment was sold to BSI Financial Services ( Phone XXXX ). I contacted them and told them that I would like to start maying payments on this balloon payment because I would be XXXX when the ballon payment is due and if I am not alive at that time my inheritor would not be aware and would lose the home. Even if I am alive waiting until I'm XXXX would end in foreclose so I needed to be able to make payments which BSI did allow. I made an online account that shows my payments, but it does not show how much I owe or my balance when payments are made. They said they don't show account information for forbearance customers. I would like truth and lending in the form of my account information being visible, current, and accurate so that I can keep up with what I owe and have something tangible so that may inherited don't lose my home to foreclosure due to lack of tangible/visible account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: MO

Complaint narrative:
XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: MO

Complaint narrative:
XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
l noticed that my account always was minus at the end of the month. i thought that maybe i had subscribed to something and did not know. when i investigated, i found out the bank was robbing me blind. they were saying my money was there.when i pulled it out they made it an illegal pullout. then made it a minus and charged me an overdraft fee on top of it..so when my money did come in i was already minus on the money i pulled out. even if there is some legalese that protects them it is immoral fora bank that you felt was protecting you to be robbing you blind.wells fargo bank XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
FCRA violation. Paid vehicle loan balance in full XX/XX/23. Credit reports should reflect accurate payment along with removal of charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW Financial Services, XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
In 2021, I decided to open a XXXX  XXXX, credit card account with efforts to build my credit. Several months into opening my account, I went to XXXX  XXXX for some gardening supplies, o find that my XXXX  XXXX credit card was not in my wallet. Figuring I left the card at home, I asked the cashier if they were able to pull up my account using my social security number or some other means of identification, and when they did, I was told that I had a balance of over {$1800.00} on the card. Immediately, I asked that they shut the card off as we overlooked the charges at the customer service counter. At this time, I realized that my card had been stolen and used. XXXX XXXX told me I needed to contact Fortiva, 2hich is the 3rd party bank, to remedy this. When I did, Fortiva told me I needed to contact XXXX  XXXX. I worked very hard to have this resolved, and eventually, I was told by Fortiva that there would be an investigation. Recently, I looked at my credit report and realized that this card is Delinquent. When I contacted Fortiva back, they told me they no longer had hold of the account since it was closed and there was nothing they could do. Please help.

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 2023-05-10 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:
I am writing to follow up on a letter that I sent to Equifax on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the 4th time this fraudulent account from XXXX has reported on my credit report. The collection is question is XXXX XXXX XXXX for the amount of XXXX. I attached my fraud report when disputing with Experian, however they did not remove the fraudulent account. It needs to be removed

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TD BANK, N.A regarding the violation of my right to open a trust account and the withholding of my intangible property. 

On XX/XX/2023, I attempted to open a trust account at TD BANK, NA. However, the bank refused to allow me to open the account, citing reasons that were not grounded in any legitimate banking regulations or policies. I believe that the bank 's refusal to open the account was a violation of my right to access financial services and create a trust to manage my financial affairs. 

Furthermore, I had previously deposited intangible property, including intellectual property, with TD BANK , N.A . Despite the fact that I am the rightful owner of these assets, the bank has refused to release them to me. This withholding of my property is also a violation of my rights as a consumer and is causing me significant financial harm. 

I have attempted to resolve this issue with the bank directly, but they have been unresponsive to my requests. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

I request that the CFPB investigate this matter and take appropriate action to ensure that TD BANK, N.A complies with all applicable banking regulations and returns my intangible property to me. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: 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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: SC

Complaint narrative:
I have been receiving up to XXXX phone calls a week from Reliant Capital regarding a debt from XXXX that I disputed with the school. I never agreed to pay the amount in the first place with the school but the debt collector is calling repeatedly up to 3 times per day. When I answer the phone they do not speak, just silence every time. They call while I am working as well as when I am home. I have asked them to stop calling, they wait a few days and start again. 
Just from this past week I have records showing they have called : XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. 
When I do answer their calls, again which are excessive to say the least, they do not say a word. I have sat on the phone for periods of time to see if someone responds, they do not. I called back in right after today and was immediately informed it was regarding a debt, they did not verify who I was, just assumed. They did not ask my name, just stated it and the debt that I owed. This occurred at XXXX today on XX/XX/XXXX. 
Between the dates of XX/XX/XXXX to XX/XX/XXXX I received XXXX phone calls from them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In 2020 I disputed incorrect names and or address that appeared on my credit report with Experian, XXXX and XXXX while I was in the process of a home purchase. After careful review of my personal information it appears that Experian has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove 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 non-monetary relief
Consumer complaint received 2023-05-10 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: MD

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
I received notification from XXXX regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called XXXX and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through BRIDGECREST ( a loan servicing company ). I contacted BRIDGECREST to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, BRIDGECREST refused to note/report the account as potential fraud and refused to freeze or close the account. 

BRIDGECREST denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears BRIDGECREST is making it their business to profit from lending money unlawfully. 

A Police Report has been filed.

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 2023-05-10 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:
I only should have XXXX open account still from student loans. they were deferred and then consolidated. On this report, they show XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation