vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates :XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: TX

Complaint narrative:
CC : Attorney General CC : FTC Identity Theft FTC Report # XXXX All I have to say is fix this now before I file suit for Defamation of Character. As I stated before because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish, and XXXX because of you assuming this role. Pursuant 15 USC 1681 ( 4 ) I have the to privacy. Your company also needs WRITTEN consent to furnish anything on a report let alone create one in the first place Pursuant 15 USC 1681b. 
*** ALL ACCOUNTS BELOW NEED TO BE DELETED & BLOCKED WITHIN THE NEXT 4 DAYS *** XXXXXXXX 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 2022-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
MOHELA acquired my loan from XXXX recently. It is almost impossible to reach them by phone, there is constant loops blaming the popularity of the federal program ( basically, they are blaming the federal government ). When I was able to reach someone once, they claim to not have my XXXX information from XXXX. I have absolutely no confidence in this organization and I fear I'll miss the XXXX deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank offered a personal and unsecured loan for {$11000.00} in XX/XX/XXXX. Mid XXXX I had problems paying off and Citibank eventually sold the debt to XXXX XXXX XXXX which unknowingly sued me and won a judgement in their favor. 

Ultimately, they turned collection over to XXXX XXXX which I paid in full {$16000.00} dd XX/XX/XXXX. 

Judgment has been released by the XXXX XXXX dd XX/XX/XXXX ( copy attached ). 

I have several times tried to dispute the open balance Citibank still reports as late as XX/XX/XXXX in the amount of {$7800.00} to XXXX credit bureau with XXXX but Citibank rejected my dispute and false. 

I have also asked Citibank via certified mail to correct this error by XX/XX/XXXX but they have not replied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, spam from agent purporting to represent Equifax, consequently no purpose in contacting Equifax. From Company that solicited me to check my score for free : When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, TX XXXX This is an email advertisement. To unsubscribe from our sponsor : click here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
1. On XX/XX/XXXX, I received the attached letter from debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denying the principal balance of {$120.00}, XXXX I received XX/XX/XXXX from Bank of America 's XXXX XXXX Resolution Specialist , Regulatory Complaints was a payoff balance. She failed to provide a payoff amount although her clients have been provided two signed authorizations from the borrower, XXXX XXXX in XXXX and XXXX. 
2. Bank of America 's XXXX XXXX Resolution Specialist, Regulatory Complaints that the prior authorizations we provided XXXX  were sufficient for them to have provided a payoff letter and to submit one to him signed by borrower XXXX XXXX and Bank of America would release a payoff letter. Now according to their attorney, XXXX XXXX XXXX, it in fact never did. 
2. Neither her firm, in her letter of XX/XX/XXXX, nor the other collection firm employed by Bank of AmericaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided a payoff letter. In fact, in response to my request for a payoff letter to XXXX XXXX XXXX XXXX XXXX, I was sent the foreclosure judgment amount and the borrower was sent a much different amount, which he provided me a copy of. So still no payoff, and XXXX different amounts from XXXX XXXX XXXX Managing Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, collection firm is attempting to collect, while one firm, XXXX XXXX XXXX XXXX responded with no payoff amount, stating that the principal of {$120.00}, XXXX I received XX/XX/XXXX from Bank of America XXXX XXXX XXXX  Resolution Specialist, Regulatory Complaints was not a payoff balance, but did not include one. All in violation of federal and state statues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Reviewing my consumer report I noticed my privacy being violated. I have rights as a consumer to privacy on all reports. 34 CFR Part 99 - FAMILY EDUCATIONAL RIGHTS AND PRIVACY States I have a right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Also States I have a rights as a consumer. I request a proper investigation into this matter. Please produce the ORIGINAL STATEMENTS containing my signature that authorized this information being reported to my consumer report. 
XXXX XXXX XXXX # XXXX Has reported to my consumer report and has cause damage to my reputation. I have been denied good faith and credit for services and goods. I want all loans dealing with this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Protection Service, Inc.
State: IL

Complaint narrative:
reached out to creditors protection provided proof insurance was not mine creditor refused to remove from credit bureau Explained that the bill was not mine, and the debt did not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX offered a personal and unsecured loan for {$11000.00} in XX/XX/XXXX. Mid XXXX I had problems paying off and XXXX eventually sold the debt to XXXX XXXX XXXX which unknowingly sued me and won a judgement in their favor. 

Ultimately, they turned collection over to XXXX XXXX which I paid in full {$16000.00} dd XX/XX/XXXX. 

Judgment has been released by the XXXX XXXX dd XX/XX/XXXX ( copy attached ). 

I have several times tried to dispute the open balance XXXX still reports as late as XX/XX/XXXX in the amount of {$7800.00} to Experian credit bureau with Experian but XXXX rejected my dispute and false. 

I have also asked XXXX via certified mail to correct this error by XX/XX/XXXX but they have not replied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was supposed to get XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told this office helped XXXX XXXX with community care service.The day I went there XX/XX/2022 I was put under anesthesia a temporary loss of control for medical purpose.I was told to sign a paper for the work to be completed so I signed not knowing this was a credit care application for credit until I received a bill in the mail telling me I owed {$15000.00} I was very upset.I did not go back to this dentist and I contacted care credit/synchrony bank in XXXX, XXXX. to complain and try to explain to them about what had happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2022-10-27 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2022-10-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: OH

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

Account Name : Volkswagen Credit Account XXXX XXXX 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.

15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This company and account have been going against my rights and violation as a consumer under the fair credit reporting act this is unconstitutional. I have rights and Volkswagen Credit has violated them all they sold my information to a third party reporting agencies without consent and I am being harassed and denied by banks and extension of credit for this detrimental and defamation of character being falsely reported to my credit report I ask that this account be investigated and corrected please send me a report with updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2022-10-27 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX was appointed to handle my property XXXX is in control of my assets. However the corporation that is holding the trust and beneficiary property as well as my children legal heirs to their father XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Professional Credit Analysts of MN, Inc.
State: UT

Complaint narrative:
I sent over a validation of debt request back on XX/XX/2022 and I have never received in insight back on Account # Professional CR Analys-Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will send copy of tracking and letter requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX 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 an account without my handwritten instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To I, XXXX XXXX XXXX, asking you to step into the issue I met during working with XXXXXXXX XXXX and Bank of America. 
I was going to purchase a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX XXXX, phone XXXX and did initial a wire transfer of {$20000.00} ( XXXX XXXX XXXX Dollars ) from XXXX branch of the XXXXXXXX XXXX XXXXn XXXX, XXXX on XX/XX/2022 ( check document attached ). Wire transfer reference number is XXXX Since that date the XXXXXXXX XXXX XXXXXXXX never received the money and I never got them back also. {$20000.00} just disappeared. We did initial investigation from both sides. XXXX XXXX XXXX representative was talking to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America New York ( bank-correspondent ) but everyone said they dont have my money. My XXXXXXXX XXXX put tracing on the wire, and it clearly shows that XXXX XXXX XXXXXXXX has my money ( check document attached ), but they dont follow my requests though XXXX XXXX I fill like my money are stolen and no one wants to give them back toy me. XXXXXXXX XXXX and Bank of America representatives dont want to talk to me because I am not their customer. They dont really want to talk to XXXXXXXX XXXX representative also, because XXXX XXXX is not a sender. The same time XXXX and Bank of America totally ignoring my requests from XXXX XXXX  This is a nonsense. I need your help please to get my {$20000.00} back. 
Thank you. 
XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Phone : XXXX XXXX XXXX address : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone 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