vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: IA

Complaint narrative:
On XX/XX/XXXX I submitted a formal Dispute with TransUnion through the CFPB portal ( case # XXXX ) stating that my Federal Student Loan with XXXX aka XXXX XXXX account # XXXX had been placed into the FRESH START INITIATIVE on XX/XX/XXXX and was to be reporting to all three credit bureaus as being ON TIME and CURRENT but that it was not doing so and that this information needed to be investigated and updated correctly and that not doing so was violating my rights. 

Then on XX/XX/XXXX I received a formal letter from TransUnion stating that my Investigation Results were in and that they had VERIFIED THE dispute as being CORRECT AND ACCURATE DATA formally changing NOTHING on my credit report FURTHER VIOLATION MY RIGHTS as the CLEARLY they did NOT do a formal investigation. These rights of mine are protected under 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

If they had done a proper investigation they would see I had entered into the Fresh Start Initiative on XXXX ( see attached document ) which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed.

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX. 

Which you can see on my TransUnion Updated Credit Report after their investigation ( see attached ) still shows my XXXX XXXX XXXX Act # XXXX as being in COLLECTIONS on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. It also shows it as status UNKNOWN on 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 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America on XX/XX/XXXX to make payoff of loan. Spoke with customer service who provided me with a pay off of {$9100.00}. Now the bank states I owe them {$110.00}. 
Starting XX/XX/XXXX my balance was XXXX my interest per day was at {$5.00} per day. 
XX/XX/XXXX payment of {$380.00} bringing my balance to {$18000.00}. 
XX/XX/XXXX payment of {$10000.00} on principle bring my balance down to {$8900.00} and my % to {$2.00} per day. 
XX/XX/XXXX payment of {$9100.00}. giving me at credit of {$110.00}. 
Now from XX/XX/XXXX - XX/XX/XXXX there where 35 days @ {$2.00} per day= {$80.00} interest from XXXX. 
Also BofA states I got a NSF of {$25.00} Total {$100.00}. 
Being I had a credit of {$110.00} - {$80.00} int % - {$25.00} NSF fee= {$5.00} Credit. 
Bank of America state I owe them {$110.00}. Which is incorrect based on all the numbers I was given on a recorded line with XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX  till 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 monetary relief
Consumer complaint received 2023-04-25 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: WA

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 XXXXXXXX XXXX XXXX # XXXX ) Account name XXXX  XXXX Account number XXXX account name XXXX XXXX account number # XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX these accounts have violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I went to deposit money at Wells Fargo ATM branch on XXXX XXXX XXXX Texas XXXX I went there to make two deposit of {$1000.00} for a total deposit of XXXX. The first deposit of {$1000.00} went through fine when I went to deposit the other XXXX it only deposited {$620.00} into my account and the atm took the other {$380.00}. I immediately called as soon as it happened and filed a claim and when the branch opened at XXXX XXXX  I went in to speak to a teller and I was told I just have to wait and theres nothing they could do. Ive called them several times since and Ive consistently been told I just have to wait. I called today XX/XX/XXXX again to check on my claim and I was told my claim was denied and closed and I could not reopen it and theres nothing I could do I filed a complaint through Wells Fargo but Im taking additional action to file another complaint because it is absolutely unacceptable they have cameras at all the ATM you can clearly see me talking out both sides of money before I depositing. I just want my {$380.00} back in my account and for the situation to be resolved.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I obtained a report from LexisNexis and they are reporting a bankruptcy on my report. I disputed this information as the bankruptcy information is incorrect. Under the FCRA, only information that has been verified and is accurate is permitted to be included on my report. LexisNexis states that they verified the bankruptcy through PACER ; however, PACER does not verify that information contained within their files is accurate pursuit to FCRA guidelines. Furthermore, the Bankruptcy court does not verify information either. As a result, LexisNexis is violating the law with respect to reporting this bankruptcy on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

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. 
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had contacted Equifax by mail on XX/XX/2023 to initiate a dispute of unknown/unauthorized hard inquiries on my consumer report. I never received any letter back on whether they investigated my disputes. I contacted Equifax by phone on XX/XX/2023 and spoke with XXXX XXXX she refused to provide an employee number ) who said her " system is giving a message that they can not submit a dispute '' and I have to reach out to the companies individually even when I said the inquiries were fraudulent. A supervisor named XXXX then stated that I would have to provide a copy of my social security card, drivers license, and a police report before Equifax would take any action on my complaints. I believe both actions are misstatements of the law, and they are refusing to investigate inaccurate information placed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This is a fraudulent account opened by an employee of my business, XXXX XXXX XXXX This has been reported to local law enforcement, SC District Attorney ( XXXX SC ), and in turn has been handed over to sled and local FBI field office investigated by Agent XXXX XXXX. Navy sent me a card that I DID not apply for and charged continued on this card until I discovered just how bad the problem was. The same person XXXX XXXX we have found has also gotten multiple fraudulent loans through the same lending institution without the knowledge of the customers. We know this is because the customers lawyers have contacted me for information in my situation and they are looking for file suit against NAVY federal and XXXX XXXX because his client has two loans for one car that he does not have. This company is doing VERY SHADY business. They can't provide me with a contract, agreement signature or anything. 
Furthermore, across each bureau the information is not even consistent. There is conflicting account numbers, totals, and payment frequencies. 

I have paid this company more money ONLY because I was not able to refinance my home and pay off legitimate dates this hardship has created. 

I have sent the report to NAVY sent it to the bureaus and still cant get any help. I almost lost my job and security clearance because of this issue.

I'm saying NAVY FEDERAL because its there institution but for the most part I know its not the company as a whole but there is a LOT of bad apples in that bunch. I also have documentation from several lawyers proving what I am saying in addition my police report I submitted when it happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023. I drove to a Bank of America ATM after cashing a check from XXXX XXXX so I wouldn't get a 10 day hold. I deposited XXXX hard earn cash in the ATM, it only recognized {$2300.00}. I touch the button to continue to make more deposits and deposited {$400.00} it had returned to me. After that deposit the machine instantly went into an error and gave me a receipt to call electronic claims. I called and was told there would be an investigation up to 45 days but my account would be credited within 48 hrs. Well 48 hrs has passed now they are saying the amount is to much to credit me back. Clearly everything is on video it should take so long for me to have access to cash.Never will I put that much cash into an ATM Bank of America always give me a hard 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 monetary relief
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are companies out there looking for my personal information, and one of them showed up on my credit report. I wasn't familiar with this company ( XXXX XX/XX/2021 ), but it looks like they put in an inquiry without getting my permission first. This isn't possible unless they have a permissible purpose, which is outlined in U.S. Code & 1681 es seq section 604. If they don't have a legitimate reason to be looking into my credit, I'd like them to remove this inquiry from my report or send me documentation proving that they are allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I tried for a auto loan and the car lot tried pulling my credit report with Equifax. There was a block on my credit report, not a freeze, that I did not authorize! I spoke with Equifax at that time, to verify my identity, which was identified at that time! XX/XX/2023 I was notified from my bank that the block is still there! This is there attempt to take ownership of my files! This is and injustice to me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Fuel Capital Group
State: TX

Complaint narrative:
About a month ago, I opened an account with Strike on their app in hopes of being able to send and receive money with family and friends. After patiently waiting and several obscure and smart alec emails, I am still unable to use this account. The only thing that happens when I try to use the app is it displays : " we need to review your account. '' I have given up on trying to use Strike for anything. So, after officially requesting to delete my account and personal information, I received an email stating they can not do that citing the Gramm-Leach-Bliley Act ( GLBA ). I was also NEVER given to opportunity to " opt out '' of sharing my personal information since opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Cascade CISS Holdings, LLC
State: MI

Complaint narrative:
I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. 

XXXX XXXX XXXX Hotel and Travel ) XX/XX/XXXXXXXX XXXX  ( Upstart ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I got scammed by someone on XXXX about property rent which is not his property. So, I send him money over to Zelle and XXXX around XX/XX/XXXX and XXXX XXXX. After knew I got scammed that property belong to someone else. I did call my bank to stop payment on Zelle and also file a claim with XXXX and report to local police. I did give them the police report number but they won't send the back money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: MO

Complaint narrative:
I have been trying to refinance a house that requires all my 3 credit scores. All my banks have been unable to pull my Experian Score, but have been able to pull my other 2 reports. Today, I found out that my file did not exist. In my folder is a file that was pulled a few months back that has my Experian score-which also happens to be my best score. It seem like my entire file has disappeared. XXXX has my Experian Score and I have a copy of that report. 

The other problem is that even though I have thawed my scores, it still says my account is frozen or locked. 

The frontline customer service folks refuse to escalate this and they repeat the same line that I have not had credit and I must wait for six months to have my credit reported. I even offered to send them a copy of my credit reports to show that there was some kind of glitch, but they refuse. 

They will not transfer me to anyone or take my issue seriously. ThanksXXXX XXXXXXXX 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Credit - Credit Repair Centers
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 

This valid complaint is for the XXXX year. Credit Services Organizations that operate in California are required to file a registration application with, and receive a certificate of registration from, the Department of Justice before conducting business in this state. The registration for all Credit Services Organizations in California expired on XX/XX/XXXX. Beginning on XX/XX/XXXX, as new registrations are issued by the Department of Justice. American Credit Repair is not on the list and does not have a DOJ certificate which makes illegal to operate their business without it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Referring to complaint XXXX with CFPB this issue is still not resolved. I have followed up with XXXX bank, and this inquiry remains on my Transunion credit report. Se attached follow up conversation below, and note the dates. It has been over 5 months since my original contact, and this inquiry is still negatively affecting my credit 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 non-monetary relief