vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I will be filing a lawsuit against the XXXX XXXX  company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX XXXX XXXX XXXX XXXX I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I will be filing a lawsuit against the XXXX XXXX  company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX XXXX XXXX XXXX XXXX. I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Early Warning Services, LLC
State: CA

Complaint narrative:
In XXXX of 2022, I recieved an email on my student email about a job opportunity. I was late to notice that email, but I replied to it on XX/XX/XXXX. The email was from someone pretending to be from the World Health Organization. I was told that I would be helping the disabled get the items they needed. I would be sent a check to deposit via mobile deposit through the XXXX XXXX app. After giving her my ID she sent me a check via email and told me to print the pictures out and deposit them through the app. She never once asked me for my social security nor any money so I didnt think that it would be a scam. Plus the email was sent to my student account. At the time I was very inexperienced with mobile deposits and the app itself. After the check was deposited XXXX XXXX closed both of my accounts ( checking and savings ), which was understandable since the check was fraud ( which I didnt know at the time ). I tried to call XXXX XXXX and even visited two branches in person ( XXXX XXXX and XXXX XXXX ). None of them helped much except XXXX XXXX which helped me open a new checking account. Which was also closed after a few days. I tried to open a new account through XXXX XXXX XXXXXXXX but they also rejected my application because of what happened with XXXX XXXX. The story is being misunderstood and misinterpreted by XXXX XXXX and I cant seem to explain my story to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Account : XXXX I filed 2 claims with bank of America due to someone stealing my information. I filed a police report and submitted it to FTC AND CFPB back in XXXX. Bank of America failed to filed my second claim regrading my account.

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is in reference to a Bank of America claim. The merchant issued me a credit for a returned item in the amount of {$1600.00} on XX/XX/XXXX. Bank of America says they did not receive it and I opened up a claim with B of A on XX/XX/XXXX. They say that their policy is to keep me informed of the status of my claim and I have heard nothing. However, each time I call to check the status, all I get are different lies from their staff. When looking at my online account, it says " there are no active cases '' which gives me the impression that they have made no moves on this claim since the date I filed on XX/XX/XXXX. Another person told me that they sent a computer-generated letter to the merchant but the letter doesn't have a date, which is another lie because the date would have been automatically generated with the letter. I have reached out to the CEO of Bank of America and have gotten no response. I have been a consumer with the bank since XXXX and I have put up with their nonsense and incompetent staff for a very long time and I am tired of it! They need to train their staff to be truthful ( although you shouldn't have to train a person to tell the truth ).

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several hard inquiries on my report that'd I'd like to have removed, I've tried calling to get this resolved on XX/XX/XXXX to get these fraudulent inquiries removed the rep by the name of XXXX ( this is on a recorded call ) refused to dispute or remove these inquiries as she states they are valid although they can't provide proof that I authorized or signed for these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/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 2022-10-21 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: TX

Complaint narrative:
I would like to place a formal complaint against for violating Equifax my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX Bankruptcy - XXXX # XXXX. I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items is a clear violation : XXXX XXXX XXXX XXXX XXXX Bankruptcy - Reference # XXXX Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. They are unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I have found out that there in fact two separate contracts in regard to the sale of the vehicle. Not only that but multiple blocks are different from each contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
There was some credit card transaction which occurred on the XXXX credit account in XX/XX/2021 which were not authorized my me. I have contacted XXXX at the time of the transaction was known to me. It was rectified and settled and removed from my credit account.. 
Now Calvary portfolio credit service debt collection agency have reported the debt back onto my credit account. 
Please remove account and account debt off my credit account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
Hello, I recently had my FedLoan account transferred to XXXX after absolutely no communication or warning. This was after I requested a refund to my account, and now neither company is able to give me concrete answers on when I will be able to get this refund and WHERE the refund will be going, since XXXX has not been able to transfer accounts yet and I can not log in. 
This is unacceptable due to lack of communication or any direction whatsoever. If the refund is not processed in time, interest will start accruing at the hands of these companies who handled this situation at the worst possible time, seemingly intentionally. FedLoan has been an incredibly difficult company to work with. Those who are dealing with this situation do not know what their future financial situation with this will be whatsoever.

I can not even provide account number information because it is completely gone from FedLoan 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
JP Morgan owners of Chase credit card and something called XXXX with XXXX bank were contacted in XXXX thru XXXX to remove and clear items posted by them on all my credit reports and public records. They claim I opened an XXXX XXXX Credit card account from Chase Bank and a XXXX gas rewards card through XXXX Bank started from and after XXXX and XXXX. 

I reported these as fraudulent as I do not have any association to neither institutions and have not applied for a chase bank card when I was in College in XXXX and it was denied due to no credit history and my XXXX background as an XXXX XXXX. 

Since this year and the past I have seen these two companys claim I have a debt with them. Destroying my credit rating and constantly having third party companies call my phone number from XXXX to XXXX monday through saturday. I have reported these to the credit burues. They sent a reply back to them stating they have proof it was done by me but have not show it at all. I have filed Identity Theft since XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early warning system has kept me from opening checking accounts. Under 15 U.S.C 1681section 604 a states a consumer reporting agency can not furnish a account without written instructions. I owe no money and they won't delete me from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I been told it was rewards card which i didn't know it will affect my credit. I answer no when they asked but the employee sounded forced me to apply which i didn't know something like this would happen to my credit report. Basically i wasn't informed of the application being for a credit card and didn't consent to the application.

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 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act. Also it's dated XX/XX/XXXX with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc.
State: VA

Complaint narrative:
In several occasions, my account went past due. After I made arrangements to pay. Carmax continue to call several times for days. I asked Carmax to stop the calls but they wouldn't stop. Carmax attempted to collect the debt even when placing harassment complaints. This created a very bad case of emotional distress. I couldn't perform my job properly because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. 

If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To whom it may concern : There is information 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 transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief