vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

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 2023-03-09 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: NY

Complaint narrative:
To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
this is my 2nd attempt I am interested in disputing all inaccurate information on my credit report with Equifax. checking all information alot of data is invalid an hindering my file. please remove all data that is listed to help my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022. I filed a claim with Bank Of America prepaid fraud department for the amount of {$28000.00}. I waited about 2 to 3 weeks to hear back but still hadnt heard anything. I then waited a bit more and then decided to make a phone call on XX/XX/XXXX to speak with a supervisor and see about an update about why I havent received any updates in writing sent to me in the mail on the status of the claim, but didnt get any direct answers, also called on XX/XX/XXXX. I was told by 3 different supervisors that they dont know when and if Ill get provisional credit until the claim is done and said they would send out the letter but I still havent got it. Ive been left in the dark about my claim about my funds I never received.

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 2023-03-09 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: TX

Complaint narrative:
XXXX XXXX is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
Equifax Late Payment Removal XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/2021 This item is inaccurate because the CARES Act provided protection to consumers who were affected during the XXXX pandemic. These late payments occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 

I believe this adverse information has been incorrectly added on my credit report. 
Please remove the negative payment history from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is Experian did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on Experian Which is a violation. This is impacting me from moving forward to buying a house for my family and a vehicle I attach my previous credit report and my new credit report to show how Experian violated my rights.

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 2023-03-09 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: ID Analytics, Inc.
State: CA

Complaint narrative:
This complaint is addressed to SAGESTREAM LLC. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.

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 2023-03-09 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.

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 2023-03-09 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: LEXISNEXIS
State: CA

Complaint narrative:
This complaint is addressed to LEXISNEXIS RISK SOLUTIONS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
For 6 months in XXXX I took advantage of the deferred payment program chrysler financial offered during XXXXIn the fall of XXXX a woman from Chrysler financial gave me misinformation and told me my account was current even though online the bill showed a large amount due. She told me to make my regular payment and she told me what date to start it on. I paid as per her instructions. Continued making the instructed payment as per Chrysler employee even though the total amount due online was suggesting different amounts. Months later I saw a late payment on my credit report. 

So I filed a case XX/XX/XXXX. XXXX XXXX and XXXX XXXX confirmed on XX/XX/XXXX that the error was Chryslers fault and not mine and they confirmed they would contact all 3 credit bureaus and make sure the late payment was removed. They confirmed the employee gave me inaccurate information and the online billing showing odd amount due was because of the deferred payment program and many people are Chrylser were confused by it. 

XX/XX/XXXX late payment again for the SAME reason. Because deferred payment the amount due shown online was out of XXXX. It would show due {$1200.00} instead of the {$390.00} a month. So I called and the gentlemen told me what to pay and I paid it. 
He told me to pay a certain amount and there would be no late payments. He said again, because of the deferred payment program that the online amount due is not accurate. I did what he instructed and a couple months later I was given another late payment! 

I filed complaint and on XX/XX/XXXX chrysler reviewed the call and manager said recordings did not show that chrysler caller made a mistake. Even though it was exactly the same Mistake twice. I would like to listen to this call I always paid all my bills on time for 30 years. My history shows that. Even with jeep I paid all payments on time before and after this glitch in their accounting. I think the company had never dealt with the deferred payment for covid and their systems got mixed up. I took advantage of the XXXX  6 month deferral Program and that was my right, I shouldnt be penalized for their accounting error. They set a precedent by admitting to the first error so they need to admit to the second error as it was the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : XXXX XXXX Bank of America XXXX This is further complaint and follow up to the above indicated reference numbers. 

Bank of America and XXXX keep ignoring my requests backed up with the laws concerning placing inaccurate informations on my credit report harming my personal credit in making financial decisions. Bank of America and XXXX keep violating my consumer rights and the following laws : 15 USC 1681 Section 604A Section 2.

15 USC Code 5 1681b.

15 USC 1681 Section 602. 
Thus, Bank of America and XXXX both challenging the LAWS of consumer protections and both act in defines in providing adequate action to remove inaccurate and NO proofs ( written ) by consumer. On this occasion I the consumer lend a final demand for the Bank of America and XXXX to REMOVE inaccurate information from my report and I seek to use the LAW : 15 USC 1681n {$1000.00} each.

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 2023-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
1099 is incorrect. Bank withheld over {$400.00} from interest XXXX said it was fir XXXX Income Taxes. 1099 does not report the withholding or even the correct interest. I have been trying to get this corrected since XXXX. 
I vane made NUMEROUS phone calls and even written them a letter - no response. Is the lack of service and the illegal withholding of funds and not reporting the withholding common for MARCUS? 
My next step if you do not get results is to file criminal charges. 
I do have statements and other information to support these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Self Financial Inc.
State: CA

Complaint narrative:
Account was open in my name that I do not have any knowledge of I try to contact the company with the phone number that's listed and you are not able to speak to no one this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
TransUnion Late Payment Removal XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payments : XX/XX/2021 This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. These late payments occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 

I believe this adverse information has been incorrectly added on my credit report. 
Please remove the negative payment history from 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
Consumer complaint received 2023-03-09 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: Freedom Mortgage Company
State: NC

Complaint narrative:
I recently found out that my mortgage company reported that I was delinquent on my mortgage payments. This is not true and an unfair reporting as a new customer. I never asked for Freedom Mortgage to buy out my loan and they have had zero communications with me about any changes in due dates and such. They only sent me a letter stating they had purchased my loan. After setting up my initial account, I continued on, assuming that the due date ( XXXX of each month ) would stay the same as it was with my previous company. I have never had any issues with late payments in the past ( ever ) and my report proves this. I have only had issues with Freedom Mortgage. After months of issues and late fees, I was curious as to what was going on. I contacted them, speaking with someone about the issues. I was told the due date was the XXXX of each month. My ( previous ) normal due date the ( XXXX ) was now the ( XXXX ), which made it show I was late. Auto pay will not pick up on this change, Thus showing I was late far later than I would have been with my last company ( XXXXXXXX XXXX  ). I spoke to someone about the due date, I was denied a request to have it changed. I contacted Freedom about this and requested an official review from the website. Spoke with someone about expediting the process to have it removed from my credit report and my response was it will take about a month for a response. This has already affected my personal credit report which WAS outstanding. My score has dropped XXXX points, all because of communication issues with Freedom. Keep in mind this is from a single payment, not a delinquent account months behind. Very unfair...

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