vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX FL XXXX 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
SBS Lien Services was hired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX to foreclose on my condo XX/XX/XXXX. The alleged amount owed was wired under protest in accordance with the instructions provided by SBS Lien Services. ( 1 ) -In XX/XX/XXXX, my former HOA account with XXXX  XXXX XXXX assessed a NSF check fee because SBS Lien Services issued a NSF check. ( 2 ) -On XX/XX/XXXX, my current HOA account with XXXX  XXXX also charged a NSF check fee due to SBS Lien Services issuing another NSF check. ( 3 ) -In total, SBS Lien Services sent two NSF checks. ( 4 ) -On XX/XX/XXXX, XXXX XXXX updated the California Secretary of State ( Ca SoS ) website by associating a business entity from a XXXX XXXX with the same name and a similar address with the information of XXXX XXXX  XXXX in XXXX XXXX. ( 5 ) -On XX/XX/XXXX, XXXX posted a wire transfer ( HS # XXXX ) of {$50000.00} to my account. Finally, SBS Lien Services transferred the money that I had wired on XX/XX/XXXX. ( 6 ) The NSF check fees and late fees have not been reversed. ( 7 ) -On XX/XX/XXXX, XXXXa filed a Registration of Unincorporated Common Interest Development Association with the Secretary of State ( SoS ) for XXXX XXXX  XXXX in XXXX XXXX. Yes, XXXX just filed it yesterday, XX/XX/XXXX. 

( A ) -What information did SBS Lien Services lack from the HOA that prevented the timely disbursement of funds? ( B ) -Which identification documents did SBS Lien Services use to verify that the " HOA BUSINESS ENTITY '' involved in the foreclosure was a legitimate entity operating in California in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX Money was taken from our account through XXXX {$3500.00} we did not authorize this transaction Bank will not help they denied us. We have not gotten any help from the bank. most i ever used XXXX was {$200.00} it took the bank 3 days to deny didn't reach out to us no help. 
name used was XXXX XXXX in XXXX Texas we live the west coast they used a bogus number XXXX BTW. 

Hope you can help,

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been a XXXX  overseas for XXXX  years. When I saw my credit used in the USA and I was not in the USA I sent all XXXX credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are XXXX  years and XXXX  months today and the algorithm is falsely claiming they are true plus trans union now says I have a late payment I have XXXX late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been a XXXX overseas for 22 years. When I saw my credit used in the USA and I was not in the USA I sent all 3 credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are XXXX XXXX and XXXX XXXX today and the algorithm is falsely claiming they are true plus XXXX XXXX now says I have a late payment I have XXXX late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I opened an AAdvantage credit card with CitiBank a few months ago around XX/XX/XXXX, for the sign up bonus. Today, XX/XX/XXXX, I was {$500.00} away from reaching the sign up bonus. When I looked this morning, prior to making this purchase, my account was open. Fine. I saw no warning. I had also just made a nearly {$1000.00} payment on my card that posted on the day this happened. Then, I pay for something that would put my over the line, and the purchase is declined. My account is closed. 

It seems almost intentional that they close my account on the same day that they receive nearly {$1000.00} from me AND on the purchase I make that would finally put me over the line for receiving that sign up bonus. It feels malicious in intent - they take money I need and then close my account RIGHT before I get any of the benefits but after I owe them enough to get there. 

People will be hearing about this.

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 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
I received a letter from Flagstar Bank in May informing me that I was being removed from Auto Debit due to three instances of non-sufficient funds ( NSF ). To my surprise, I discovered that Flagstar only makes one attempt to withdraw funds, unlike most other financial institutions that make three attempts. Consequently, I was puzzled about how to comply with Flagstar 's unusual demand that I pay only via certified check. 

When I contacted Flagstar to discuss the matter, I was informed that I couldn't make payments through Auto Debit, XXXX, ACH, standard check, or wire transfer. They would only accept certified checks. This has caused significant inconvenience and hardship for me and my family. Adding to the frustration, Flagstar 's XXXX and XXXX statements indicated that I would be auto debited, contradicting their earlier letter stating that only certified checks were acceptable. 

In XXXX, I reached out to Flagstar to address this discrepancy and clarify the payment method. The collections department assured me that they would remove the restrictions, allowing me to pay in the usual manner. However, when I called Flagstar today to inform them that no auto debit had occurred and that I couldn't pay online, the collector informed me that a decision was made on XX/XX/2023, not to reinstate my account for ACH eligibility. Flagstar never communicated this decision to me. 

As a result of Flagstar 's poor communication, I have incurred hundreds of dollars in late fees. Additionally, I now face the challenge of finding a certified check dealer within the limited time I have. This entire situation could have been avoided if Flagstar had followed the common industry practice of making three attempts before considering a transaction as NSF. There is no specific governing body that has mandated a universal standard for the number of attempts in auto debit transactions. However, the practice of making three attempts before deeming a transaction unsuccessful is a common industry practice followed by many financial institutions. It provides a reasonable opportunity for customers to have sufficient funds in their accounts and minimizes the chances of accidental NSF situations.

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 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Repeat calls daily/ robot Has placed derogatory remarks on my credit report and consumer reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

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 2023-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-18 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: PA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-19 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report in Transunion. It indicated that the credit inquiry was made by the credit company listed below. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MO

Complaint narrative:
Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Lost job then covid. Ford repoed car. Never sent any late notices or notice if sale or offer to purchase or amount left after sale. Ford discharged the debt for more than was balance. Then sold it to a debt collector which is now charging 16 % interest. Can't afford a car payment so it will never be pd off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
I submitted a payment under protest after being told that this would stop all further collection action. 

A week later, the company submitted a collection account to the credit bureaus and tanked my score. They lied to me. I have a phone recording.

Company response to consumer: Closed with explanation