vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
XXXX XXXX UNAUTHORIZED HARD CREDIT INQUIRY.

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 2022-09-21 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.

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 2022-09-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: SC

Complaint narrative:
On XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.

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 2022-09-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent in a dispute to Experian about an account on my credit report which is ONLY reporting on Experian! I have no idea what this account is for or about. It seems like it is a " payed chargeoff ''. I submitted an FTC Report, but this account is still reporting on my credit report. Account info is list below. 

Name : XXXX XXXX Account # XXXX Amount : {$1500.00}

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/22 an XXXX credit card was opened in my name for XXXX. I did not apply for this card. 
I have reported it to the credit card company. They have frozen the account and I have started to contact the credit report companys.

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 2022-09-21 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: GA

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 # 's 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, and XXXX have violated my rights.

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

15 USC 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 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 2022-09-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO UNAUTHORIZED HARD CREDIT INQUIRY.

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 2022-09-21 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: MI

Complaint narrative:
I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets 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 non-monetary relief
Consumer complaint received 2022-09-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MI

Complaint narrative:
I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets 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 non-monetary relief
Consumer complaint received 2022-09-21 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: PA

Complaint narrative:
I've contacted Experian everyday for 1 month. They have refused to help me. I have 2 accounts on my consumer report that are preventing me and my children from being able to purchase a home and will leave us homeless. They have violated permissible purpose, and refuse to do anything about it. I have called repeatedly just to be put on hold and hung up on. I've also emailed the CEO of the company, Me and my family are left with no where to turn. Ill be forced to file bankruptcy to try and keep my apartment as we were suppose to get a home but funding was retracted due to these accounts XXXX Card and XXXX XXXX XXXX XXXX on my consumer report. Please help me and my children.

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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX a checking account was opened in my name at Bank of America. 
This part of the email I received notifying me of this fraud Your new account is open Great news! The following account ( s ) are open : Bank of America Advantage SafeBalance Banking Account # : 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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: MD

Complaint narrative:
My ex husband for a Water filtration system that was posted on my credit as a mortgage. This was in XXXX. My husband and I divorced and I filed for bankruptcy and so did he. My BK has been discharged since XXXX, the account was included in the BK so was the house and these people have henderse me from being able to get a house and they refuse to drop this account. I have asked for a copy of the original contract and theyre still reporting me as late and that I owe. I want to press charges against this company, that have destroyed my credit illegally. The companies name is castle credit out of Florida. Its been 7 years, not only have they reached the statue of limitations, they have reported me late all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC Bank failed to properly document this Fraud Claim on XX/XX/22 as indicated by their Call Center Supervisor, in which I am already encountering financial hardships getting to work, eating, and purchasing medication ( in which I need to survive ) saying that it could take up to 10 Business Days. This is extremely unethical and I never received any communication regarding their financial practices, nor to date was I provided a Transaction ID, for my personal records because I do not trust this bank. The call center representatives and supervisors are incompetent. I need my credit expedited expeditiously. To add insult to injury HSBC could not expedite my card, nor have they considered the hardships imposed on my life through no fault of my own. This bank has violated several laws according to the FDIC, by not providing written communication regarding their policies, and will not take the due diligence by issuing the provisional credit, at once, considering the hardships and liability imposed by NOT properly filing this fraud in a timely manner. HSBC Bank was contacted on XX/XX/22 in which the Fraud claim was not submitted, nor did the representatives or supervisor callback ( even though there is a verifiable and updated contact number ). To date I never was issued a confirmation email or any Transaction ID # for my records to follow the status of this claim. This bank is absolutely the worst encounter, and I am calling the local News Media as well as seek my legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CA

Complaint narrative:
When we paid off our mortgage, XXXX XXXX XXXX mistakenly marked it with a " significantly late '' payment and " Settled for less than the full amount ''. I called XXXX and provided documentation that that was false. They agreed and corrected their record. However, Experian has not corrected it at all. They have noted that they received the correction as of XX/XX/XXXX, but have done nothing. My scores with XXXX and XXXX are XXXX and XXXX, while Eperian 's is XXXX. They say that they have a different algorithm. However, there is nothing else to account for a XXXX pt difference in my score. It is affecting my ability to get credit and at what cost. When I called Experian, they dropped my call several times and always referred my back to " Member Services ''.

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 2022-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
On XX/XX/2022, I purchased my Automobile from XXXX XXXX XXXX XXXXXXXX and signed the promissory note with XXXX XXXXXXXX XXXX XXXXXXXX. Without my knowledge, this consumer contract was sent to American Credit Acceptance. I informed American Credit Acceptance that this was a consumer transaction, and I was not engaging in any type of commerce with them since I had no contract with them. I asked for the presentation of proof and sent a letter to them. They seized my automobile without my consent, nor did they loan me any money for this vehicle. I extended my credit as a consumer and was insulted when they seized my personal property which I have security interest in. There were various discrepancies within the contract that was noted as well and they refused to resolve the matter. 

I mailed off a letter to the CEO and to the XXXX and did not receive a response from either of them. They have taken my personal property and I also did not receive any remittance transfers in order to make sure that the vehicle would be properly accounted for, nor did they disclose information per my request. 

Please see the attached letters and correspondences. They have violated the law and have not adhered to the UCC, CFR, U.S. codes which are in place to protect consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
Hi this XXXX XXXX and I requested the method of verification to which I am entitled but unfortunately, you guys didn't do any of what I've been requested you to do. You guys need to get your errors rectified or I will be forced to take this to the next step should you continue holding me up. The letter was sent on XX/XX/2022 and it's been over a month now.

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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I keep getting the run around about the reason a mobile check deposit wasnt cleared in my chase account. On XX/XX/XXXX I deposited the check from XXXX XXXX. On XX/XX/XXXX I was informed that the check is being placed on a 7 day hold because Ive never cashed a check with them. With in this time I called to keeps tabs on what was going on. I spoke to 10 fraud team members within this time. I was told one day the reason the check is on hold is because XXXX XXXX deemed it fraudulent.So then Chase ( my bank ) restricted my account. They told me to call the issuer. I did they said their wasnt an issue on their end. Then I was told wait till the XXXX the hold should be lifted & now its the XXXX. Im being told the company that wrote my checks has a history of bad checks. They never told me this. This doesnt line up to anything theyve been saying. One fraud specialist even told me the name of the payee was spelled incorrectly. 
Which is not true. Its spelled exactly right. I have gotten a different answer from about 10 people. Even today they still said they havent completely finish verifying the check and its literally day 7. Of it being on hold. So theres still a possibility. This is extremely confusing. I should not be punished for this. I was told the funds and account have been verified. This team is all over the place and Im very disappointed. No one is in agreeable. Its affecting me extremely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 USC 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