vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been engaged in a lengthy endeavor to challenge the presence of incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I possess the right to dispute any inaccuracies that exist. In my pursuit, I have sent multiple dispute letters and reached out to the credit bureaus, given the multitude of names and addresses listed that are entirely erroneous. I have never been associated with these names before. I have provided legal documents such as my ID, proof of address, and social security details to establish my identity beyond doubt. Unfortunately, despite my efforts, the credit bureaus persist in misrepresenting this information. This situation poses difficulties when I apply for credit-based services and raises concerns about potential identity fraud. I also keep receiving letters/email responses from the bureaus delaying my disputing efforts simply because I choose to use a credit assistance service. It is my right to choose to dispute the information on my credit report in the manner I choose. They do not need proof of how I choose to dispute. They must simply follow through on their end to address the inaccuracies and correct them as legally obliged.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing and Experian keeps telling me that I have already disputed but it is still on my credit report and they always believe creditors.

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 2023-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While trying to unfreeze a TransUnion credit freeze I have placed on my account. It stated that my email address and password were not correct although stored in the memory of my XXXX I checked with the lender. The freeze is still in place, which is good, but I cant get a hold of anybody to resolve my login attempts so I can reset my password and control my credit, freeze and unfreeze

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 2023-07-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to XXXX, XXXX and Transunion on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.

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 2023-07-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to XXXX, Experian and XXXX on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.

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 2023-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Equifax 's Inaccurate Reporting of My Credit Information Names that not mine ( XXXX XXXX & XXXX XXXX ) I am writing to file a complaint against Equifax regarding the acceptance of a name on my credit report that does not belong to me. Despite repeated attempts to rectify this error, Equifax has failed to take appropriate action, leading to significant inaccuracies in my credit history. This erroneous information has adversely affected my financial standing, making it imperative for the Consumer Financial Protection Bureau to investigate this matter and ensure necessary corrections are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 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 2023-07-10 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: EQUIFAX, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Bank XXXX. 
Acct # - XXXX XXXX XXXX XXXX  # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX Convergent Outsourcing Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX. 
Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXXXXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I purchased a Nissan  XXXX XXXX in XXXX and in XX/XX/XXXX the car stopped out of nowhere. I had the car towed to Nissan in XXXX and they informed me that the car needed a new engine and it was covered under my warranty. It was about 2 weeks before I got my vehicle so they loaned me a vehicle in the interim. The following week they stated I could come pick up my vehicle. 

I get a few blocks at a local car wash as they left my car dirty and as I am in line my car starts smoking and there's fluid all over the ground. In trying not to pay for another tow, I drive my vehicle in limp mode back to the dealership for them to tell me that coolant was leaking all over the engine because they didn't put the cap on tight enough, but they wiped it down and it was good, so I left that day with the car, the next day after going to buy my tabs, the car wasnt turning over and was lagging so I brought it back to the dealership for the third time and they stated my alternator and battery was out so I got placed in another loaner car. 

About a week later they contacted me the car was fixed, but at this point I didnt feel safe especially a single mother with XXXX small XXXX. I initated the Lemon Law and started that process. In the midst of that process, they were harrassing me to give the loaner car back and i didnt feel safe driving the car they cant seem to fix. They stated they could call the police on me and report the car as stolen if I dont return it. So I against my will, returned the loaner car in great condition and they returned my car filthy. 

And as im working with the Nissan Arbitrator for the replacement vehicle they make me give all this information over and after weeks, they say im approved and they are sending the check to pay off my current vehicle, but before I can pick up my new car ( thats approved ) I have to wait an additional 2-3 weeks for them to have XXXX a third party vendor to pick up my car before they will pay off the old car. Now as im driving the current car its starting to have starter issues again. This isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  account number XXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company violated the Fair Credit Reporting Act ( FCRA ) by failing to adequately investigate dispute claims on my account. The company also made it exceedingly difficult to update my information and remove inaccuracies, even though they aren't mine. Specifically, I have reason to believe that they conducted an unreasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditors XXXX. The contact information for the creditors XXXX. The name of the person who verified the item ( XXXX ) for them XXXX. The method of communication they used to verify this information XXXX. Did the creditor provide them with my SSN, address, agreement signature, and Date of Birth? 

They have inadequately represented my credit file for over a decade and it is unfair for me to continue to suffer due to negligent, inaccurate, and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
LoanCare has held a check since XX/XX/XXXX that is to be released back to me and my wife. This is a Hurricane Laura issue. 8 phone calls where we spoke with a natural person that told us they have approved our payment and will expedite. Each time same story and they have never followed through. The are grossly incompetent, lie, will not follow up, and never can provide an answer right away.

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 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NE

Complaint narrative:
National credit adjust is say I owe {$3900.00} that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
A checking account was opened online by someone other than me in my name using my home address, and email address, but in speaking with the agent from Citi, the last 4 of my social do not match the account. 

I started receiving emails about this an called Citi. At first they said no account existed and to disregard as phishing scam. 

I then received a debit card in the mail and called Citi directly. They blocked and closed the account.

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 2023-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-10 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: GA

Complaint narrative:
This company violated the Fair Credit Reporting Act ( FCRA ) by failing to adequately investigate dispute claims on my account. The company also made it exceedingly difficult to update my information and remove inaccuracies, even though they aren't mine. Specifically, I have reason to believe that they conducted an unreasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditors 2. The contact information for the creditors 3. The name of the person who verified the item ( s ) for them 4. The method of communication they used to verify this information 5. Did the creditor provide them with my SSN, address, agreement signature, and Date of Birth? They have inadequately represented my credit file for over a decade and it is unfair for me to continue to suffer due to negligent, inaccurate, and unfair credit reporting.

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 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My wife passed away in XXXX someone has tried to hacked her email and all accounts associated with it. One of which was PayPal so I attempted to shut it down .Paypal recommended I also shut down mine a well and start a new one so I did. After working with them for over a month to shut down my wife 's account. They said they needed a photo Id of her and other info to finalize the shutdown Because of the hacking I said no! 
The next day they locked down my new account demanding I furnish them my photo Id and proof of residence bank routing no 's and other information that in my opinion would open me up to being hacked. I did not have to furnish this information to open the account. 
I have {$480.00} left in the account I can't access or have sent with out meeting their demands

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
A {$21000.00} check from an agency we did business with is on hold and Bank of America is taking forever to get it verified and remove the fraud lock on my savings account. Initial problem with the mobile deposit is that the check was made out to my XXXX, XXXX XXXX, which wasnt on my checking account. I called BofA about the reversal of the check, which they stated I needed to go into a branch to add a XXXX. I went to a branch to add the XXXX with a small business advisor, who told me that my XXXX was already on file with my savings account and not my checking. So all I needed to do to avoid the issue was to deposit to my savings. She wrote out a deposit slip and had me go to a business teller to deposit the check. The check was available last Friday on XX/XX/XXXX morning time. I went to transfer the money to checking and start paying vendors, I found out my account was locked for fraud. I didnt receive any notice it was done the previous Thursday until later Friday evening. I called numerous times to escalate and find out why it was blocked. It took a manager to escalate and receive a callback from the analyst. They stated they needed to verify the check amount with the original agency who wrote it. I gave them phone numbers to contacts at the agency as I was unable to provide the direct number to their CEO which is XXXX. Analyst waited until late in the day to callback and try to verify, it went a whole weekend without any activity or access to funds. Fast forward to today, the account is still locked and no callback or release of funds. Im super late on payments to staff and vendors, the bank steadily gives canned messages about me waiting for the investigation. BofA is unnecessarily holding onto a check that has already cleared and shown as available in the savings account. My account is still locked from transactions and now its at an unacceptable point. I cant get any assistance to get this lock cleared which shouldnt exist in the first place. I received a credit card payment of XXXX about a week prior via Stripe from the same client. The other XXXX check was the other half of the retainer due upon receipt. I need the government help to step in and take action as Bank of America is up to shady practices that shouldnt be taken lightly. They have crippled my business and hold no remorse in the time sensitivity.

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