vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX Last four SSN # XXXX RE : XXXX XXXX Acct # XXXX Equifax are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. You can't merely parrot the furnisher information.Your agency 's failure to conduct a proper reinvestigation and your reliance solely on the furnisher 's information not only puts you in violation of the FCRA but also subjects me to potential financial harm and distress, as inaccurate credit reporting can affect my creditworthiness and financial opportunities. 
1. Delete this inaccurate account because paid on time in XX/XX/XXXX and I also included my bank statement as proof in my reinvestigation the first time that I paid it on time. I am also including the reinvestigation again Confirmation # XXXX : see attached documents. Proof of a proper reinvestigation was done and no change was made to circle and highlighted XX/XX/XXXX paid on time. Section 611 ( a ) ( 1 ) of the FCRA clearly states that " A consumer reporting agency shall ... conduct a reinvestigation ... of the disputed information. '' This reinvestigation must be conducted in a manner that is fair and reasonable to ensure the accuracy of the information reported. Additionally, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates that if the information is found to be inaccurate or incomplete, the consumer reporting agency must promptly correct or delete the information. Failing to do so further compounds the violation of the law. Therefore, I am formally requesting that your agency reopens my dispute and performs a full and diligent investigation into the accuracy of the disputed items, as required by the FCRA. I also demand that any inaccuracies found during this reinvestigation be promptly corrected or deleted from my credit report, in accordance with the provisions of the FCRA. All CFPB complaints maybe used as legal evidence. Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: GA

Complaint narrative:
Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. Because of this EQUIFAX is obligated by law to remove it immediately. EQUIFAX is liable under the SEC to follow certain rules and regulations. EQUIFAX Commission file number XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX. Consumer will be filing form 211 treasury OMB forms to audit consumers account. EQUIFAX is securitizing my data yet refuses to provide consumer with a copy of their UPDATED AND ACCURATE CONSUMER FILE DISCLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Company Name : Experian Account Number : XXXX Amount : {$0.00} This account is paid and is reported on my reflecting 60 days past due on XXXX, and paid was past due 60 days on Experian 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT 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 explanation
Consumer complaint received 2023-08-06 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 to the Fair credit reporting act this creditor XXXX XXXX  and XXXX XX/XX/XXXX  has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.

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 2023-08-06 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 to the Fair credit reporting act this creditor XXXX XXXX and XXXX XX/XX/XXXX  has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went! 

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.

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 2023-08-06 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: NV

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-06 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: NV

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has placed a fraud identity alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

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 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was applying for a XXXX  XXXX  XXXX  XXXX  with Bank of America and was denied twice on XX/XX/XXXX, and XX/XX/XXXX. 

Bank of America made me believe that it was because I have too many credit cards with them, I previously had three ( 3 ), but Now I have one ( 1 ). However, Bank of America is still denying me, I have been with Bank of America approximately XXXX. 

I believe that Bank of America is discriminating me and not been honest upfront about and telling the truth. I contacted XXXX and my credit score is very Excellent and XXXX XXXX and my is Excellent. 

Bank of America is not fair to me, please assist to this matter.

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 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023, I went to the XXXX NC Branch to apply for a used car loan. I had my children with me, I had a bill of sale with me and I recorded the transaction for my personal files and safety. XXXX was the representative that filled out the application on my behalf, he asked me a series of questions and he had me sign the electronic key pad for the promissory note, the GAAP Insurance and for the disclosures. I had asked XXXX XXXX for a copy of all the documents that I signed and he explained to me that he was not able to print them out at the moment but he assured me that I will retrieve the copies in the mail along with the response of a denial or an approval. I never received the copies. I did send an Adverse Action Letter upon receipt of the denial letter and then I received another letter from XXXX XXXX XXXX in response to my adverse action letter. I called customer service to get copies of the documents that I requested and I was asked if I had appealed the decision? I said I did not know I could Appeal the decision, no one had disclosed that information to me and is it to late to appeal it? The Rep. stated that it was to late to appeal it. She also stated that there are no signed documents along with my application. I know that the Bank that I am Banking with is committing Bank Fraud and there is no statute of limitation on Fraud. I still want a copy of all the documents that I signed on XX/XX/23 and I want this matter to be thoroughly investigated to further support my claims. I am the holder in due course and the original creditor therefore I was not supposed to be denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I sent letter requesting that debt be validated and information that I would need to investigate on my behalf but this company never replied but continue to report inaccurate and invalid information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: NY

Complaint narrative:
XXXX has placed a fraud identity alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

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 2023-08-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX has placed a fraud identity alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: SC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. 
In 2017, my personal and financial information was exposed as part of the widely-publicized XXXX data breach. Like many other unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. 
In my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. 
I have made numerous attempts to have these fraudulent accounts removed. 
Despite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. 
The emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly XXXX about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. 
The lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. 
I hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.

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 2023-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Spoke with the company twice and asked to have all the information sent to me. Was definitely not me, I have never been to XXXX XXXX XXXX XXXX of any kind. Company is not cooperating in any way, have not sent me any info on what this debt even is

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 2023-08-06 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: NV

Complaint narrative:
Unauthorized Inquires

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 2023-08-06 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: CA

Complaint narrative:
I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: FL

Complaint narrative:
Please see attached documents. I have been trying to get Transunion to do a real investigation since XX/XX/. Please help me get results.

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 2023-08-06 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: CA

Complaint narrative:
I have been a victim of identity theft, see attachments.

Company response to consumer: Closed with non-monetary relief