vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
See attached document. 
Apparently, the 5 times prior and even recent XXXX XXXX wasnt provided with enough information to process the dispute and blocking of illegal information based on the identity theft which they have committed. I have provided my recent official rebuttal as well as proof to the purposeful incompetence of me sending the letter to XXXX XXXX as well as their XXXX XXXX XXXX. XXXX XXXX is illegally reporting nonpublic personal information without consent as well as not following the FCRA and XXXX XXXX XXXX, and with committing of these atrocities to defame my name and character, financial abilities and mode of living. I comprehend that XXXX XXXX is the stated as the owner of XXXX XXXX as stated by XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. XXXX XXXX 2. Community Loan Servicing I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. XXXX XXXX 2. XXXX XXXX XXXX I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. Nationstar Mtg./ Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX  XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/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 non-monetary relief
Consumer complaint received 2023-08-10 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: VA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/XXXX Ref : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX To whom it may concern. 

I traded in my XXXX old XXXX XXXX, and I have attached emails from XXXX regarding the trade-in, which offer complete confirmation. 
Attachment # XXXX Upon receiving emails from XXXX that confirm the trade-in, I proceeded to cancel the XXXX coverage with Theft and Loss Protection for all XXXX XXXX  XXXX. Subsequently, I obtained refunds for these cancellations from XXXX. Please refer to the attached emails from XXXX for verification. 
Attachment # XXXX Nevertheless, Goldman Sachs credit card has been consistently imposing unreasonable charges on me since the cancellation of the XXXX insurances. These charges have been recurring on a monthly basis. Kindly review the provided statements for further clarification. 
Attachment # XXXX I initiated disputes and submitted all relevant emails as evidence to Goldman Sachs through both their chat service and certified mail to their headquarters. While they initially issued credits, they have persistently continued to levy charges for the canceled XXXX insurances in a recurring manner. Please refer to our chat history and the proof of service documents for verification. 
Attachment # XXXX and # XXXX Please help me halt the unauthorized charges for all XXXX of my cancelled insurances. During my recent interaction, I devoted around XXXX and a half hours to a chat session with Goldman Sachs. Unfortunately, I was repeatedly transferred between representatives, and each time, I had to reiterate the entire situation. Despite my persistent efforts, no headway has been achieved. This situation feels like a form of teasing and unjust treatment. Regrettably, I find myself incapable of attaining justice independently, and I am earnestly hopeful that your Bureau can undertake an investigation. I extend my gratitude in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: OH

Complaint narrative:
Keybank won't refund a purchase In Arkansas that I didn't permit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit report is showing late payments on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-08-10 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: CA

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below including the wrong address in which I do not reside. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. 

Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Account : 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 2023-08-10 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: CA

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below including the wrong address in which I do not reside. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. 

Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-08-10 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: VA

Complaint narrative:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$580.00}.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We a XXXX  XXXX  with which we used to receive regular monthly payments from XXXX XXXX XXXX XXXX a.k.a. XXXX via ACH. We opened a new account with Bank of America and ever since we have been unable to receive these funds electronically because Bank of America keeps rejecting the ACH deposit from XXXX XXXX XXXX XXXX a.k.a. XXXX. As a result, we have had to deposit manual checks from XXXX XXXX XXXX XXXX a.k.a. XXXX which has resulted in additional fees. In XXXX we deposited our first check into Bank of America via Mobile deposit without any issue, and typical XXXX hold time. Last week on XX/XX/23 I deposited another check at the branch. I was not advised that there would be any hold beyond the typical XXXX time, as before. A few hours later, Bank of America advised me that there would be a 15-calendar day hold on this check, because " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Now mind you, not more than 30 days ago we deposited a check for roughly the same amount and from the same company and same account and it was paid, without issue. The check was drawn on XXXX. XXXX has confirmed that the check was paid. Bank of America is refusing to acknowledge that they have received the funds and stated that even if they do, they will not release the hold. Bank of America has placed this hold strictly as a punitive measure on our account because one, we have a very low balance and two it was overdrawn by their fees at the time of the deposit. There is nothing abnormal about this check or transaction that would cause the hold to be placed otherwise. I have tried to reason with them, but they refuse to budge. Bank of America rakes in BILLIONS of $ $ $ $ in profit every year on the backs of poor and working-class people and micro businesses and their policies such as they unreasonably long funds hold in spite of already receive the fund punishes and pushes people like us further down the run of society bearing the brunt of fees for no reason other than to line the pockets of the wealthy.

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and XXXX U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. 

To Transunion Recently I did an investigation on my credit report which caused my severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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. If you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 





Sincerely, 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 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Financial Services LLC
State: KS

Complaint narrative:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$60.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$580.00}.

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