vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: NY

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.

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 explanation
Consumer complaint received 2022-11-03 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: TN

Complaint narrative:
I sent a certified letter to TransUnion that was delivered on XX/XX/22 asking them to re-investigate a fraudulent account on my credit report XXXX XXXX XXXX account number XXXX. The tracking number is XXXX. I previously asked for an investigation, and the account came back 100 % accurate. I requested a re-investigation after speaking with customer service and being told that TransUnion does not do its own investigation. However, this was the second time I mailed them a letter, and they refused to do an investigation claiming that the letter did not come from me or an authorized third party. 

According to the law 15 U.S.C 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a customer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with the factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who they spoke to. How did they complete the original investigation? I asked them to re-investigate and provide information on how they verified the account and they refused. I sent all the information I was told to provide. I personally reached out to this collection company and the original creditor, and they were not able to provide proof this was my account. This account is associated with a fraudulent address that TransUnion deleted as a result of identity theft.

15 U.S.C 1681 Section 602 A States that I have a right to privacy 15 U.S.C 1681 Section 604 A States that a consumer reporting agency can not furnish an account without my written permission By refusing to do an investigation and allowing fraudulent information to remain on my report, they have violated my rights under the FCRA. This has also caused me adverse action and prevented me from securing housing.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Paid full statement balance. Still charged interest.

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 2022-11-03 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: NY

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.

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 2022-11-03 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
this company saying i signed up for services i never signed up for. the company is called XXXX  XXXX. i called XXXX  XXXX  to cancel the subscprotions and they told me if i canceled i will owe another company for the loan. I called the company that day to handle the dispute and they told me i signed a non refund contract which i didnt sign up for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-03 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: FactorTrust, Inc.
State: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I did not open any bank account with Bank of America. However, I received a statement from them saying that I have a checking account with them. I contact the bank several times but their customer service wait time is long and when an agent picked up, he hung up on me or the connection was lost. I am not sure. I went to the bank to report that I never opened the account and that there must be an ID theft. They still sending me statement and charge me the maintenance fee. They also sent me a letter require me to give them my ID and social security #. I have no business with them and I dont want to give them my information. Why didnt they require those information when they open the XXXX account but require that when I want to close the account? Stupid bank. I dealt with other bank for the same issue, and they resolved it in seconds.

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 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
My mortgage was transferred to Truist bank. They appear to be completely unavailable to contact via email or messaging on their site, and to call during business hours ALWAYS results in at least a 30 minute wait. ( Usually much longer. ) I have received a sickening amount of junk mail since the transfer of this loan, and wish to opt out of having my personal information shared. I never consented to have my information shared in the first place, in fact had submitted in writing to my former mortgage company that I did not want this info shared, so I feel that information should have transferred to the new company. 

I am submitting a complaint about the info sharing and the complete lack of availability of customer service to attempt to rectify an issue. I feel like a customer service email should suffice for this request ; it shouldn't be necessary for me to wait on hold for 30-60 minutes to speak to someone just to ask for them to stop sharing my private information that I never gave them permission to share in the first place. I'm extremely unhappy that my mortgage was transferred to a company with this low level of concern for my privacy and ability to contact them, and frustrated that there is apparently absolutely nothing I can do about it.

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 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent certified mail a dispute validation letter on XX/XX/2022 for an alleged debt for child support to Equifax in XXXX GA the credit bureau received it on XXXX XXXX. I called today XX/XX/2022 to inquire about the dispute letter to verify if they received and the agent I spoke over on the phone verified Equifax indeed received it XX/XX/2022 and he said an agent looked at the dispute letter and I asked what investigations are they taking to investigate and validate the child support debt that is on the credit report but he stated that the validation letter I sent to them does not specify the exact account in dispute but on the letter I clearly stated that it is an alleged child support debt that is the fact on the credit report but Equifax claims because it does not say Texas attorney general child support but the CHILD SUPPORT AGENCY are in contracts with the state and further more the CHILD SUPPORT AGENCY are single and when contracted with a state they are single and separate unit in the state, and Equifax by law have to validate the debt and verify and investigate the dispute and the agent refused to his job to investigate and refused to erase it from the credit report. Equifax are not investigating the dispute letter I sent to them and they need to there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to XXXX and Transunion without a initial response.

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 2022-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to Experian and XXXX without a initial response.

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 2022-11-03 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: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

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 2022-11-03 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: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

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 2022-11-03 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: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} ; XXXXXXXX XXXX  XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander never informed me they charged the vehicle off back in XXXX or XXXX but kept harassing me and my husband threatening to repossess the vehicle. One representative stated they want the full balance no payment installments or they will come take the vehicle. I reached out the Santander a numerous amount of times through the online website in their chat but no response until months later. When I finally spoke to someone, she told me the car was in the fraud department. 
I answered plenty of calls and they threatened to take the vehicle but did not ask for proper location status. Instead, they attempted to collect a debt so they are in violation of this 15usc 1692b ( 2 ).

They are also in violation of 15 usc 1692d ( 5 ) with the harassing phone calls. They call all times of the day and night. If I miss the call, they call back to back and call my husbands phone harassing him. If yall charged it off a long time ago why keep calling and then saying we are trying to locate the car could you tell us where it is. Knowing where its at. 
The representative was very unprofessional and discriminated against me in several phone conversations. She said to me they gave you a car without having a job mm thats XXXX and I said wait excuse me, then she said well you have to pay this and that. 
There are a numerous amount of violations when it comes to this company.

Company response to consumer: Closed with explanation