vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 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:
I submitted a letter to the TransUnion and XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.Here is the account needs to correct. 
XXXX XXXX XXXX XXXX Balance Owed : {$680.00}

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted complaint XXXX. Equifax responded to the complaint that the account I requested to be removed was not on my credit report. 

This statement was false. Attached is a copy of my report that I pulled in XX/XX/2022 with the account still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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:
TransUnion is violation. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-07-23 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: CA

Complaint narrative:
This is bothering! I have been sending letters of appeals and requests to the Credit Bureaus to remove these fraudulent items from my Credit Report, but despite all my efforts to establish communication with the Credit Bureaus, the Credit Bureaus have failed to respond to my letters. I have been also submitting complaints through the CFPB to have the Credit Bureaus attention for them to correct my Credit File. The last letter I sent was XX/XX/2022 with complete attachments of my personal information to prove to the Credit Bureaus that it is myself submitting these letters and complaint. Again, I was a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I am now submitting this complaint to urge the Credit Bureaus to comply to their obligation and also to protect my rights which is clearly violated by the Credit Bureaus for their willful non-compliance of the FCRA statute. I need the following items removed now : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: CA

Complaint narrative:
Equifax is in violation. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: MO

Complaint narrative:
This company has violate my consumer right multiple times i already have a complaint with them that they have not followed procedures they strated a disputed then removed the dispute without noticing me or anything i have asked for several corrects on inaccurate accounts. They have also had an item on my credit report already removed but they re inserted the account and acting like its and open collection but under the collection accounts in my credit file it say it is none but how they report the item as a negative collection.

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 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX has been initiating transfers between my checking accounts without my authorization in order to compensate for a negative {$50.00} balance. This balance has been that way for less than 30 days and am currently awaiting a deposit. I have overdraft protection which withdraws from savings. I contacted Navy Federal Credit Union on XX/XX/2022 at XXXX pst because they made the same transfer and notified them that was not authorized to refund the money back to its original checking account, they acknowledged the error and immediately corrected it. On XX/XX/2022 they again made another transfer between checking accounts without my consent. I contacted them on XX/XX/2022 at XXXX pst to correct this issue yet again. They said they have the right to move money around any XXXX of their members accounts in order to cure a negative balance whenever they want and that it was in their initial terms of service when I initially opened the account also that each member is bound by these terms when opening an account through XXXX XXXX. I then asked them to provide me the original terms of service for when I opened the account the representative responded with " I do not have the terms of service for when you opened the account, only the newest terms if you don't agree with the terms then move your finances to another banking institution ''. I then asked why yesterday the issue was acknowledged but now it is a complete change in story. XXXX the representative I was escalated to said he would have to investigate it then hung up the phone. This is a banking institution that handles the management of my funds and countless other members. An institution who is not telling their members that they are moving members funds without authorization of the account owners. The conversations were recorded by Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander did not try to communicate with me about non payment. 
No statements by mail to my address, advising of late payment. 
I was given no opportunity to take responsibility and pay. 
Vehicle was surrendered by arrangements only between owner XXXX without my prior knowledge. 
Santander only communicated with XXXX to their phone and address. 
Santander pushed dealership to get XXXX a co signer to release vehicle knowing he couldnt handle high payments at a high interest rate. 
Santander had an obligation to notify me of any non payments or arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: MO

Complaint narrative:
This company has violate my consumer right multiple times i already have a complaint with them that they have not followed procedures they strated a disputed then removed the dispute without noticing me or anything i have asked for several corrects on inaccurate accounts. They have also had an item on my credit report already removed but they re inserted the account and acting like its and open collection but under the collection accounts in my credit file it say it is none but how they report the item as a negative collection.

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 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
My Carnival Master Card has had fraudulently been used. I usually only use it XXXX For small purchases. In XXXX I received notice that over {$10000.00} had been charged against my card in XXXX XXXX an other places including car. 
Rentals. I contacted XXXX XXXX XXXX XXXX and informed them of the issue. They said they closed the account and sent a new card while the fraud was being investigated. I never received the new card and more charges were made. I contacted them again and informed them I never received the new card and more charges were being made. They sent a third card which I never activated and they allowed more charges. I contacted them again and informed them again and told them just to totally close the account in XX/XX/2022 and I destroyed the card I never activated. In XXXX I received a letter stating that I had authorized a car rental for over {$3500.00} I called them again and told them that I have never rented a car and did not authorize any rental and that the account was closed. They said that there were new charges in XXXX and I asked how they could allow charges to continually be made on an account that has been closed. They said they would report it as fraud. Now I received a bill in the mail from them telling me that I owe over {$29000.00}. They had issued me a fraud case # XXXX in XXXX and said this case would be cleared by XX/XX/XXXX. Please help me as I can not get this matter cleared up with them and my credit score has dropped from XXXX to the XXXX and I am not responsible for these charges. They are also charging me interest and late payment fees.

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 monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I asked aidvantage to clarify if loans and Financial aid were synonymous and on XX/XX/2022, they replied. within that response they said they were on behalf of the Department of Education and the loans that they had gave me. I sent a response back asking for more clarification. loans are from financial institutions and XXXX was found to be an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: WA

Complaint narrative:
these accounts have all been removed from my XXXX credit reporting account I would like XXXX, and Equifax to do the same for the following accounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX AccountXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

XXXX5 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, XXXX, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC
State: IL

Complaint narrative:
NOTICE OF RESCISSION XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois [ XXXX ] XXXX XXXX XXXX XXXX ( XXXX  ) & XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Agent ) CARVANA, LLC XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 AZ XXXX XXXX RE : Consumer Credit Transaction for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Agent ) : Pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23, I hereby exercise my right to rescind the Transaction with Carvana, LLC identified above. The primary basis of the rescission is that [ I was not provided with a completed copy of the notice to rescind the consumer credit transaction, in VIOLATION of 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.17 and 226.23 ] Pursuant to TILA and Regulation Z, you have now been put on notice and have 20 days to return all money paid including the finance charge disguised as a down payment of {$11000.00} which is the sum of ALL PAYMENTS pursuant to 15 USC 1605 ( a ). Carvana, LLC did not provide proper material disclosures as to how Carvana, LLC came up with the method of determining the finance charge pursuant to 15 USC 1602 ( v ). Also, you have 20 days to take necessary and appropriate actions to terminate any security interest and at once will grant me all rights & titles to that of my vehicle. Exercising my Right to Rescind automatically voids this transaction by operation of law upon rescission under 15 USC 1635 ( b ). Therefore, any attempt to report this consumer credit transaction to a credit agency is a willful violation of TILA and the FCRA, 15 USC 1681a. 
Please note that returning the property is impractical and inequitable therefore the decision to maintain possession of the property is being made without recourse pursuant to TILA, Regulation Z 12 CFR 1026. Please, contact me at my email address, XXXX to arrange the delivery to me of all money paid under this fraudulent credit consumer transaction. Additionally, please mail me confirmation that the credit consumer transaction has been voided and no negative information will be reported to the credit bureaus with respect to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a second mortgage with a balloon payment, the payment came due in XXXX of XXXX, I filed for a modification XXXX separate times, in XXXX of XXXX the modification was approved and the loan documents were signed and notarized by all parties, returned via XXXX XXXX Bank of America on XX/XX/XXXX ... the said there was a problem with the notary signature so new documents were signed notarized and mailed via XXXX on XX/XX/XXXX. Bank of America Never finalized this modification and in XX/XX/XXXX they sent a letter stating that they were canceling the modification because the documents were not received, even though I called multiple times and verified that they did in fact receive both sets of documents. The terms of this modification also were not very dgood and resulted in an increase in my monthly payment of 300 % ... even though my first modification application was denied do to my lack of income and inability to pay... Throughout this process I have not received even XXXX phone call or letter from the person assigned to my modification application, even though they claim to have attempted to contact me, they are lying, The are also lying about the Error in the notary signature, as the error they claimed occurred in the first set of documents was specifically addressed with the second set.. I do not believe the underwriter ever even viewed the second set and perhaps open the original documents bu mistake or perhaps they were uploaded incorrectly, in any case... signed and notarized loan documents exist and it is Bank of America who failed to finalize the the modification ... After all this I was told to reapply for modification, but was not even sent the original application packet before it was denied for failure to provide documents.. hie can Inprovide documents when they never send them? On top of all of this I have received numerous collection calls even though this loan was XXXX in my bankruptcy in XXXX ... On top of all of this I notified them in XXXX that I was applying for the Homeowners Assistance fund and they continue to send letters threatening forclosure... Interesting how they have no problem mailing those letters but refuse to send the documents needed to apply for the modification... this had been very frustrating and in all honestly I have lost all hope that XXXX XXXX is actually trying to assist me, I think they are trying to steal my home and are completely not operating in good faith ....

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 2022-07-23 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Balance : {$3000.00}

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 2022-07-23 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$3000.00}

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