vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have submitted multiple documentation to the following 3 credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over 45 days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, 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

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have submitted multiple documentation to the following XXXX credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over 45 days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have submitted multiple documentation to the following XXXX credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over XXXX  days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, 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

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at my credit report and noticed there are still XXXX inconsistencies on my account. I disagree with the account listed below even after your investigation. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D. XXXX/Transunion & XXXX has failed to investigate this account properly after repeated attempts to have the account updating accurate information which have once again violated my consumer rights. The account shows a charge off listed on XXXX 2023, however there was a payment on XXXX  2023 and the account was paid in full before charge off period on XXXX  2023. The charge off listed on XXXX 2023 is inaccurate along with multiple other inaccuracies. The accounts have NOT been updated. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit report and noticed there are still XXXX inconsistencies on my account. I disagree with the account listed below even after your investigation. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D. Equifax/XXXX  & XXXX has failed to investigate this account properly after repeated attempts to have the account updating accurate information which have once again violated my consumer rights. The account shows a charge off listed on XXXX 2023, however there was a payment on XXXX  2023 and the account was paid in full before charge off period on XXXX  2023. The charge off listed on XXXX 2023 is inaccurate along with multiple other inaccuracies. The accounts have NOT been updated. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account was closed on or around XX/XX/year> and I was told that I had to wait XXXX months with a date of XX/XX/XXXX for a check to be mailed out to me because of a claim I had opened for XXXX XXXX XXXX XXXX dollars. This has put me and my family at risk of homelessness and XXXX! I had over XXXX in my account that is rightfully mine that I now have no access to and can not feed me or my family of XXXX including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX! This bank has ruined my life and put me and my family in imminent danger to starve with no regard for our wellbeing. I have been a BOA customer for years and never would have expected to be treated in this disgusting manner! I need my money out of this bank so I can continue on with my life!

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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
XX/XX/24 The balance owed on the vehicle is XXXX The balance owed and its about XXXX years old with XXXX A SECOND COLLECTION COMPANY THE FIRST COLLECTION COMPANY IS Exeter financial they have a XXXX balance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is the account on Equifax report the status is blank shows nothing. This is an account that was closed never late and paid in full in 2019. XXXX  report is the only one who seems to correct things in a timely manner each time I try to this handled I get know where but deflection from Equifax. This is a very simple correction just update the payment status to closed paid in full never late to show a positive account history as it legally should be. This has been holding up for over XXXX years now of trying to get this corrected. I have mailed the proof many times as well as attach proof on the dispute center on Equifax still no correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
The credit bureaus stated my account was properly investigated! But how is that if the open date is Inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This grounds for removal! Also violating my rights under code 15 U.S.C 1681 section 602A stating I have the right to privacy.

Code 15 U.S.C 1681 section 604A section 2 states a consumer reporting agency can not furnish an 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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I bought the vehicle from XXXX XXXX in Connecticut. The vehcile I purchased was used and XXXX XXXX miles. Thats why I bought it. I paid about {$670.00} a month for the used car when the payment should have been no more than {$400.00} a month. I never missed a payment since the time I bought it. I am now passed due, and I requested for time to pay based on financial issues. I lost my job due to no fault of my own. IT is my only car. XXXX called XXXX  within XXXX  days to threaten that I payment but it would not matter, because if I dont pay {$2.00}, XXXX immediately, my car would still be subject to Repossession at ANYTIME. 

They have been unwilling to work with me at all, after me actually needing to be credited for the next XXXX  years based on XXXX  payments, which means that the care is PAID IN FULL already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX  data breach. I want these items Deleted from my credit reports effective immediately. XXXX XXXX XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.

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 2024-04-13 00:00:00
Product: Credit reporting 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:
My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX  data breach. I want these items Deleted from my credit reports effective immediately. XXXX XXXX XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After I called XXXX to have information updated on credit report they advised the new loan servicer, XXXX, is to provided that information. When you call XXXX and enter my social security number it indicates balances paid in full. When you call XXXX, it indicates balances paid in full. XXXX provided me with a letter, Balances paid in full. Ive have disputed with Experian at least XXXX times and they provide me with dispute completed and updated with a statement that servicer disagrees and I know that is not true because if you call XXXX XXXXXXXX XXXX it indicates balance paid in full. Experian is being lazy and I need the information on the report to read EXACTLY like the information XXXX has on my experian 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America has blocked my online banking access when I tried to change my password. After call many times to customer service to try unlocking it, they told me that the only way to do it will be going to personally Bank of America 's branch in XXXX, due to I lost my registered phone number ( I lost my phone few month ago )... Currently I am in XXXX and I want to unlock my online banking without going to XXXX just for that. 

Bank of America didn't accept any document to verify my identity ( only registered phone number ) and they didn't give me any alternative way 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XX/XX/year> The card limit was {$250.00} XXXX XXXX XXXX it was a credit card was the XXXX  collection XXXX XXXX XXXX. The XXXX  collection has been changed over to LVNV funding LLC in the amount of {$630.00} I do not owe that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent charges that I did not authorize and they are affecting my ability to obtain fair credit.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX data breach. I want these items Deleted from my credit reports effective immediately. XXXX XXXX XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent charges that I did not authorize and they are affecting my ability to obtain fair credit.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent charges that I did not authorize and they are affecting my ability to obtain fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I want access to my account! They did not provide it .It 's still a run around from them. Waiting for codes in the mail, Phone calls in XXXX hours, or emails.

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 2024-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK

Complaint narrative:
My name is XXXX XXXXI am XXXX and XXXX  of XXXX XXXX XXXX East West Bank Account NameXXXX XXXX XXXX account XXXX XXXX XXXX Bank nameEast West Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX East West Bank modified the control of my bank account without my signature, I am a XXXX of XXXX XXXX XXXX.without verifying with me. Someone illegally forged my signature and changed the control of my account. Now you have closed my account without my consent. I request that the remaining money be transferred to another bank account of my company. East West Bank does not agree and insists on sending me a check. I do not agree to send a check because we can not transfer the check account to this newly opened account. Therefore, we request a refund and we hope to refund the funds to our XXXX XXXX account in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX Third bank XX/XX/year> let hackers over draft my account and got me waiting over XXXX weeks to get access to my original funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX remove the accounts that belonged on my Consumer credit profile report for no reason they have no issue to be doing that and I never disputed nor have I put in a fraud for any of those accounts that were removed without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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