vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: FL

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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXXDept of ED # XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, have all violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: OK

Complaint narrative:
Someone attempted to use my credit and this resulted in dozens of credit inquires. Many on the same day while they apparently attempted to purchase a vehicle. This was done without my knowledge or authorization and is hurting me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Aidvantage for engaging in unlawful debt collection practices that violate federal law, including the RICO statute. Aidvantage knowingly participated in a scheme involving fraudulent debt instruments. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes.

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On or about, XXXX XXXX I called Bank of America to check the approval for the application or denial for a credit card for XXXX XXXX XXXX small minority owned business XXXX dollars the company was denied the credit card. Therefore, I demand a certified finacial bank statement from denial I was told first for all I was told I never filed an application from branch on XXXX in XXXX New Mexico where company filed application a week before the banker called to check to see has the company fill out the application they said no application was submitted ( see phone recording on XXXX XXXX at Bank of America XXXX XXXX XXXX. In XXXX New Mexico ) XXXX XXXX tried to make me leave after they said the company never submitted an application for the credit card so I demand to go farther and called higher ups finally the credit analyst admitted they see the company application and it was denied so I asked for a certified finacial bank statement from the or where I get the certified finacial bank statement and I was put on hold for at least XXXX minutes before the credit analyst got back on the phone now he want to speak with me and I got the phone from the banker and said hello the credit analyst told me he couldn't get me that or don't know how to assist me I asked his named he said XXXX XXXX the credit analyst for Bank of America he was very rude told me I can't get no certified finacial bank statement and we had some Lil words back and forth and he continued to lie about I can't get a certified finacial bank statement for the bank or he don't know what to tell me and hung up in my face while I wasn't done talking about the issue. Banker there at XXXX XXXX  saw and heard how I was treated like dirt lie to multiple times and I was judge by my skin color because if you can approve to me they treat everyone like they did the company not letting them receive certified finacial bank statement I'm wrong hung up while talking say they don't know how to get it and no we can't assist you man this XXXX ( see phone recording on XXXX XXXX in Bank of America XXXX Bank of America playing with my mental I feel so bad It hurts my core to be treated so wrong if Bank of America only knew how I feeling about that situation I want Uniform Commercial Code to get this as well if you don't mind forwarding this statement that will be helpful I want to sue Bank of America insurance policy now. For treating there they practice like they above they practice and please respond ASAP thank you for your valuable time.

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 2024-12-16 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: AL

Complaint narrative:
Per my findings by the guidance from the CFPB. I have attached the necessary documents due to my situation along with a letter from advocacy group helping my due to debt bondage/XXXX XXXX which falls under XXXX according to debt final rule 1002.142 ( b ). I will await this information to be removed in the next 4 days according to section 605c of the fair credit reporting act. Please delete the following accounts 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-16 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My business account XXXX XXXX XXXX XXXX  ) was closed by the company ( Citizens Bank ) and my funds was not mailed to me in a form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: CO

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
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 explanation
Consumer complaint received 2024-12-16 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have been making on time payments since XXXXXXXX XXXX XXXX I have made it a point to keep my payments current and made efforts to provide extra payments several times i. order to ensure my payments were kept " on-time ''. I've called the creditor several times and expressed my concerns and every time I call I am put on hold for extended amounts of time or given a confusing explanation of how the company has kept the record of my payments. 
In XX/XX/year>, I paid the account current because I was behind and i was finally able to pay current the account. They sent a tow truck to attempt to haul the truck away, but the attempt was unsuccessful. The tow truck company damaged my vehicle while acting under the direction of the creditor. Santander required that I pay for the tow truck fees and storage fees even though the truck was not towed or stored anywhere but my garage. The fees were over {$400.00}. They also made me pay seeral XXXX XXXX  of misc.fees. I paid over {$3600.00} to Santander that day. 
From that point on I have made it a point to keep my payments current. I have also made several extra payments to stay ahead of the scheduled payments. 
Last month I made XXXX payments again and they still wanted to charge me with late payments and went even further to report my account as late. Last week I made a payment and there was fees I have to pay because Santander stated it is overdue again ; remember, I just paid XXXX payments in XXXX ( {$1800.00} ) and XXXX in XXXX {$690.00} ) ( my payments are only $ XXXX mo XXXX ) and a payment in XXXX ( {$640.00} ). 
These are the amounts the creditor claims were due for these months. 
I need to report this company is misallocating my payments in a major way. Please help me with dealing with this predatory lender. 
They have also reported my account as late XXXX times in the last XXXX years. This is not true. I have proof that I have made an excess of payments towards this account. 

I request the creditor remove the late payments and credit my account as they should and wipe this account as paid for the stress and impact their methods have caused me and the financial strain their misallocation of my funds has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently my credit report, and noticed that i have a account that is not reporting the correct information. I have a late payment on a account that was actually paid on time. However the consumer reporting agency need to report this account with complete accuracy. this account has not been late on payments. i have attached a record of my credit report on the following date XX/XX/year>. i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verify i demand this account to be update it to paid on time immediately. thank you for your understanding and prompt action.

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 2024-12-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently my credit report, and noticed that i have a account that is not reporting the correct information. I have a late payment on a account that was actually paid on time. However the consumer reporting agency need to report this account with complete accuracy. this account has not been late on payments. i have attached a record of my credit report on the following date XX/XX/year>. i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verify i demand this account to be update it to paid on time immediately. thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have repeatly disputed this unknown account thats been obtained in my name without my authorization, I have kept all documents sent back from the bureaus coming back as updated in the last past two years so this year I sent in a certified mail and receipt notified for Fair Debt Collection Practice Act which i realize I have the right to request this finally of the debt they are saying I owe them, I'm requesting that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this, this is a request of validate pursuant to 15 USC 1692g sec.809 ( b ) of the fair debt Collection practices act, I respectfully request that your office provide me and the cfpb with comment evidence that I have any legal obligation to pay you, At this time, I will also inform you that if your office have or continue to report invalidated information to any of the three major bureaus ( XXXX XXXX XXXX and XXXX XXXX, this action might constitute fraud under both federal and state laws.Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following violation of the fair debt collection practice, violation of the fair credit reporting act and defamation of character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 explanation
Consumer complaint received 2024-12-16 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:
I did not authorize these credit inquiries and have no relationship with the companies listed. These inquiries were made without my consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request that unauthorized inquiries be removed from my credit report to prevent further harm to my creditworthiness. 
XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. EXPERIAN XXXX CRED ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) and ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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