vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: GA

Complaint narrative:
I mailed a letter to XXXX, Equifax, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX XXXX XXXX. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have tried repeatedly to contact employees at Truist bank to find out how to change my Auto Loan auto draft bank account to a new bank. No one at the bank replies. 

I need to know who the auto loan lender is, and how to change the payment account, as I am closing down all business and personal relationships with Truist do to their lack of customer care.

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 2022-03-24 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: PA

Complaint narrative:
I XXXX XXXX contacted TransUnion on XX/XX/2021, I spoke to multiple employees as well as supervisors, regarding the fraudulent, inaccurate reporting on my credit report. Transunion knowingly and willingly broke the law regarding the written consent that I did not authorize. Nor did I give TransUnion the authority to furnish ANYTHING on my credit report, it is a direct violation of 15USC 1682 ( b ).

Pursuant to 15 U.S. Code 1681 ( n ) Transunion willfully failed to comply with the requirements imposed within the chapter and is civically liable for knowing noncompliance.

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 2022-03-24 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 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: NY

Complaint narrative:
Today XX/XX/2022, I received a notification that my credit score went down on Experian, I logged into my account and do not see what company had reported something on my account. So I called Experian customer service phone number and I verify my information and I asked the rep if she can tell me what was the change on my account that made my score go down from XXXX to XXXX and the rep told me she cant give me any information and I need to hire or pay a Financial institution to get information about my credit report. I told her I was going to report the agency and put it up on social media because I cant believe that you are tell me I have to hire someone to get information about my credit report. I later found out that a company that I took a personal loan reported something on my account as derogatory on my credit after I resumed paying off the loan that I took out.

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 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIBC BANCORP USA INC.
State: IN

Complaint narrative:
I've applied for a mortgage loan with CIBC Bank. I have been discriminated against on the basis of XXXX. There has also been discrimination, as it relates to my credit score. I filed a complaint with the bank, and no one has reached out to me. I've provided all requested items to the underwriter, and she will not clear my file to close. Each time I provide what has been requested, then she request additional items. The purchase price of the home is {$320000.00}. The Director of Underwriting, XXXX XXXX, stated that he was irritated with my loan. My file is approve/eligible, and I have the cash to close ; however, XXXX XXXX XXXX and his underwriter XXXX XXXX will not clear my file to close. I will be homeless in the next few days, as my apartment has been rented. I've expressed this to the bank, and it has fallen on XXXX XXXX. This bank 's discriminatory underwriting practices are blatant. They have already had a loan officer to leave, due to the fact of how minorities are treated, and discriminated against when applying for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AZ

Complaint narrative:
1. I recently applied for a credit card from by bank. My application was rejected citing that I had no score and my credit was too new.

2. I received an email from Experian today ( XX/XX/2022 ) informing me that I no longer have a FICO credit Score from them.

3. I-asked why and the person I was speaking to explain why the company refuses to assign me a credit score.

4. All of my account listed with Experian are excellent payment and credit histories. Never late and no balances. They're all paid prior to their due dates, monthly.

5. Experian 's refusal to assign me a accurate credit score is damaging my ability to operate in commerce and denies 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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to the Bureau over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on 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 2022-03-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to the Bureau over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on 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 explanation
Consumer complaint received 2022-03-24 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX and I paid off my loan XX/XX/2021 and I am due 2 refund checks from escrow one for {$4500.00} and one for {$210.00} and some change. All checks has bounced in my account and I am being charged a fee for all {$15.00} each. XXXX XXXX XXXX  is placing a stop payment on all checks sent to me ( XXXX XXXX ) by Fay Servicing. My bank said, XXXX XXXX XXXX has a red flag on all checks going into that account. 

Property address is : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 

My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Moving forward, please send me only cashier checks in the amount outstanding and due to me from my escrow account.

Please contact me ASAP via email. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Tue, XX/XX/2021 at XXXX AM, XXXX XXXX XXXX wrote : Hi, I paid the account in full accord to the pay off demand letter balance.. but there is still an outstanding balance. I am requesting you pay the balance off in full immediately and send me a receipt showing zero balance and a deed for XXXX cXXXX XXXX XXXX XXXX XXXX ca XXXX. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Thu, XX/XX/2021 at XXXX PM, XXXX XXXX XXXX wrote : Dear XXXX XXXX, Thanks! 

Sincerely, XXXX XXXX Customer Service - Residential Fay Servicing , LLC XXXX toll free direct XXXX fax http : //www.fayservicing.com https : //www.fayservicing.comXXXX  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee, you should not disseminate, distribute, or copy this email and delete immediately. Fay Servicing is a debt collector, and information you provide to us will be used for that purpose. To the extent you filed a bankruptcy petition and received a discharge of your personal liability, or you are currently in an active bankruptcy case, this is being provided for informational purpose only and does not constitute an attempt to collect a debt or impose personal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Constant calling. Calling at all hours. Do not owe anyone anything. Credit rating is in the 800s. Never leaves messages. Just want it to stop. Credence is the name of the caller. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
I believe Experian did not read complaint XXXX, XXXX and XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but Experian is instead giving me a hard time to give me my credit file I even gave a state issued identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior. These replies are starting to show that this company may have some time of artificial intelligence responding to these complaints. I demand a full investigation into this. In complaint XXXX the company flat out lied about sending the credit file. This is just unacceptable.

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 2022-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Dear CFPB, I have XXXX loans with bank of America. 

XXXX address XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, ut XXXX I applied Covid 19 forbearance for both of the houses for 18 months, witch ended XX/XX/XXXX. 
I started making regular payments printed on monthly statements after XXXX, XXXX. 
Bank started charged me fees, they said they sent inspectors to the properties to check the properties. 
I was charged {$35.00} last three months, they charged {$17.00} before on both accounts for at lease two months. Bank sent inspectors twice to the properties while all the payment made on time. 
This is criminal to do inspection without our permit. 
Please refund all the fees bank charged me and stopping going to the properties. 
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 explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX of XXXX and I have always paid more than the payment. I recently was laid off of my job and was making the payments until my savings were depleted a few months ago. I was able to borrow a payment to bring the account under 30 days where the account would not be escalated for repossession. The account manager XXXX XXXX who was assigned to my account was very rude and threatened to escalate my account if I didn't have a payment in by Monday and said he would do so because I didn't call him back like I said I would to discuss 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 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Securus J Holdings, LLC
State: OK

Complaint narrative:
Jpay services has been charging us huge fees to transfer money to our loved ones, to load our accounts with emails and stamps. Some of the fees and taxes don't show up in your transaction history so that you wont have proof of the total amount charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
Equifax did not do a proper investigation when XXXX and XXXX did. Equifx just verify informtion instead of properly doing the investigation. Several items were deleted from XXXX and XXXX but equifax continue to report this information wothout providing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Kashable LLC
State: NY

Complaint narrative:
Today XX/XX/2022, I received a notification that my credit score went down on XXXX, I logged into my account and do not see what company had reported something on my account. So I called XXXX customer service phone number and I verify my information and I asked the rep if she can tell me what was the change on my account that made my score go down from XXXX to XXXX and the rep told me she cant give me any information and I need to hire or pay a Financial institution to get information about my credit report. I told her I was going to report the agency and put it up on social media because I cant believe that you are tell me I have to hire someone to get information about my credit report. I later found out that a company that I took a personal loan reported something on my account as derogatory on my credit after I resumed paying off the loan that I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: FL

Complaint narrative:
I previously filed a complaint related to Equifax reporting inaccurate information on my credit report. 
The most recent errors involve XXXX creditors XXXX XXXX XXXX  and XXXX XXXX fed credit union accounts reporting without the closing dates. Due to these creditors showing as open and not closed, the accounts are negatively impacting my ability to secure housing and new credit. 

Most recently, XXXX XXXX XXXX updated me with the correct reporting information via letter. I submitted that letter to Equifax and they opened another dispute and investigation. After XXXX investigation they updated me that the account should be opened according to XXXX XXXX XXXX. How is this possible! I provided Equifax a letter from XXXX stating how the account t should be reporting and that Equifax was the source of the error NOT XXXX XXXX XXXX. 
Equifax has been extremely unhelpful to me as a consumer and I am seeking legal counsel for guidance to hold Equifax accountable for their lack of assistance in correcting and reporting accurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Purchased a watch from XXXX XXXX XXXX/ using Affirm. Website stated they were an authorized dealer, but it turns out they are a XXXX  market provider for this particular brand. Returned watch to dealer and dealer notified Affirm to process refund. Affirm has not refunded over $ XXXX USD after paying off installment in full and is not providing an adequate response.

Company response to consumer: Closed with explanation