vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received as payment in a legal settlement a personal check from a bank of america account holder. In an attempt to cash the check immeadiately i drove XXXX miles from my home to the nearest bank of america in XXXX texas who then refused to cash this check because it was over XXXX dollars and i was not an account holder. I then spoke to the bank manager i explained to him i had numerous things waiting on the money from this check, and that it didnt seem reasonable to me to be expected to open a bank account at a bank that doesnt have a branch in the town i live in. He restated the tellers statement but offered to convert the personal check to a cashiers check for me and then charged me XXXX dollars for the cashiers check. After receiving the cashiers check i asked if this check was good at any bank of america and the teller said yes it was. i then asked her to cash if for me and she once again stated that it was against bank policy to cash a check over XXXX dollars for a non account holder. I feel that bofa ' s refusal to cash their cashiers check violates banking laws. I suffered a business loss, an untallied amount of money due to check cashing fees and prepaid debit card use fees, not to mention my valuable time.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Balance : {$870.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX : Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX XXXX XXXX : {$160.00} XXXX  XXXX XXXX Balance : {$140.00}

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX, asking them to reinvestigate these accounts : 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX Account Number : XXXX Please remove it from my credit report. 

XX/XX/XXXX, they sent me their investigation and said the accounts are complete and accurate. 
I looked at my report and noticed everything is still the same In addition, according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information has been modified or deleted from the file of the consumer.

( ii ) Promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681 s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Experian really did not reinvestigation they lied on an official document saying they did something that they did not do, and I have evidence to prove my case.

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 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WI

Complaint narrative:
I refinanced my home in XX/XX/2021 my lender paid all debts on my credit report Jefferson Capital LLC came after me for a debt that was paid to them in XX/XX/2021 causing my credit score to drop XXXX points while in the middle of looking for rental property I have paperwork that I submitted to XXXX and XXXX this company has deceptive practices that need to be addressed so many consumers are going through this and feel bullied by this company.. Thank you for your time signed a fed up consumer who cares and work hard to keep my good credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I obtained another credit report once i was denied an apartment back in XXXX XXXX XXXX. I then sent in a letter to try and clean up the misrepresentation. I spoke with someone on the phone after trying to dispute the accounts on the app. All accounts came back as verified. I then asked cant I have proof of how they came to their conclusions, because the accounts were still reporting inaccurate. But According to the FCRA, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So another report was pulled on XX/XX/2024. Still no changes only many inaccuracies on the report. Told them late payments were illegal an to update all collections account to paid never late pertaining 15 USC 1681a ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This also violates 15 USC 1681s ( 2 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent multiple letters to the credit bureau requesting to to investigate a inaccurate account reporting to my consumer file. XXXX XXXX XXXX is the account reporting. Along with the letters I also included a FTC identity theft report. I requested the credit bureau to identify and verify the information reflecting my credit report. I have not received any response or results from my request. It has now been months and I have received zero response. According to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, it is their duty to investigate verify any and all information reflecting the credit report. To date they have not done their duty as mandated by law. I am particularly concerned about the accuracy of the account information. I trust the Consumer Financial Protection Bureau will thoroughly investigate and address my concerns.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent multiple letters to the credit bureau requesting to to investigate a inaccurate account reporting to my consumer file. XXXX XXXX XXXX is the account reporting. Along with the letters I also included a FTC identity theft report. I requested the credit bureau to identify and verify the information reflecting my credit report. I have not received any response or results from my request. It has now been months and I have received zero response. According to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, it is their duty to investigate verify any and all information reflecting the credit report. To date they have not done their duty as mandated by law. I am particularly concerned about the accuracy of the account information. I trust the Consumer Financial Protection Bureau will thoroughly investigate and address my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/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 explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ZuntaFi Corp
State: TN

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and XXXX ) regarding a fraudulent student loan account that I noticed on my credit reports. There is a student loan account with a company called Zuntafi ( which I've never heard of ) and it is not mine. The results of my dispute with XXXX said that the company verified my information as being accurate and that this account belongs to me. This account was reportedly opened on XX/XX/2010 and I have documentation and records to prove that I was at XXXX basic training during that time, so it is extremely impossible that I opened this account. The report also shows that the account is being paid on monthly and I absolutely have no documentation of those payments coming from my account. I've never heard of this company, I never opened this account, and the payments for this loan are not coming from my bank account. I don't know what else needs to be done to prove this account isn't mine and needs to be removed from my credit report. They have no documentation to prove that this account was opened by me and they have no documentation to prove that these payments are coming from my account, because they are not!

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 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
So as I stated I sent XXXX only XXXX was applied on Thursday XX/XX/XXXX which they said they didn't recieve mind you this was 2nd attempt. 1st got returned for wrong address and pay off amount where they were tacking on another XXXX or so even though they gave me 10 day payoff. At this time I ask where did XXXX come from. No idea. Car says up for repo. Even though huge amount has been credited. And it would have remained if I didn't insist they remove it. At this point I ask to validate the debt send me a true bill idk what's going on. Now phone calls early before and sometimes lil after XXXX everyday so I remove consent to phone calls I want in writing only. Couple months go by I look at credit report still has XXXX applied. I got busy w family stuff forgot about so I check credit report and status has changed not up for repo I call to confirm yup no longer up for repo. I do a ucc 11 certified search no XXXX go to courthouse to aquire about arbitration. Come out trucks repoed by unknown 3rd party XXXX from home phone is in truck. So walk hours to sheriff they don't know hitch ride to PD they don't know sheriff said they have 2 hrs to repot at XXXX at XXXX pd says still nothing maybe it's stolen. So finally my ride gets to me call chrysler capital they say its repoed. Thing is she also says they did 1099c and canceled debt in XXXX which just now it clicks is probably where XXXX came from. I never received a 1099 its almost a full year from canceled debt and they are still trying to collect on a debt that's been canceled and refuse to release my vehicle even though I have to report as income. So they said I need to pay in full to release my vehicle. I mean I was still inquiring about arbitration to figure this out and the debt has been canceled for that long. No notification. Anyways I'd appreciate your help this very shady.im pretty sure. This gotbto be some sort of securities fraud or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I was approved for a VA loan and bought my house in XX/XX/year>. Since then, my VA loan has been moved around 3 times. Not only does this lower credit score as my credit history is being shortened without my consent, but it has made building a rapport with my mortgage company impossible. My VA loan is currently managed by Newrez LLC - XXXX, Texas according to my end of year statement and my monthly statement. Since the day my account was originally purchased by them, I do not have online access to my account. I can login but I can not make payments, change any information, access any documents. I login and any link that I click on kicks back an error. I should be able to click on Account Details to bring me to a Dashboard for all the options to service my loan. I have never once been able to access the dashboard. I have emailed IT, called IT, escalated the situation within the company, contacted BBB and repeatedly get the same response. They keep saying the problem is on my end. XXXX. I have tried from multiple devices ie : phone, desktops, laptops, tablets and on multiple networks ie : data, wired, wifi and public access. XXXX. I have found several complaints from other people indicating the same exact problem. As a XXXX XXXX XXXX that earned this loan by deploying to combat for my country, this situation has me devastated. I am offended, sad, and disgusted at this point in time. I don't know where else to turn with this issue. These people have been completely unhelpful, unprofessional and have shown no interest in correcting this issue as it has been this way since day one ( I can't even tell you an exact date as to how long I have been dealing with this because I can not access this information on my account ). Upon receipt of XXXX transcript from XXXX, it indicated if the issue still wasn't resolved to call back. She never answered my calls or called me back again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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