vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
lien of lien release does hear by release the lien or encumbrance in the name of the debtor XXXX XXXX XXXX no longer claims a security interest what happened i received a phone call from the Bank of American Auto Loan One year later From The date of release from XXXX  to B of A, My response was only the DMV letter was for an XXXX XXXX XXXX  which I relocated from XXXXXXXX XXXX  they insisted I had the title so I looked after 1 year the letter from XXXX XXXX XXXX XXXX for the XXXX t bird and one from said car XXXX XXXX XXXX, I never missed a payment I pay XXXX instead of the date of payment B of A bank paid the name of the transfer loan to me, XXXX XXXX XXXX ( the mistake is theirs ) as told by XXXX XXXX XXXX XXXX. 
I said why have you waited so long it has been 1 year what do we do now I was told to go to XXXX and have the title released the B of A, I asked why don't I bring the title to a B of A office, but I was refused and a letter 3 days later was sent to me by mail. IF WE DO RECEIVE THE PAPERWORK FOR THE CERTIFICATE OR TILE YOU NEED TO PAY THE ENTIRE ( {$9600.00} ) BALANCE BY XX/XX/XXXX THIS MISTAKE ( Wasn't ) MINE ALSO YOU ARE NOW IN DEFAULT UNDER YOUR AGREEMENT. 
I TALKED TO : XXXX XXXX AND MADE APPOINTMENT FOR XXXX XX/XX/XXXX fro the THE ChANGE OF TITLE, ( now I received 5 calls this week alone give me XXXX XXXX XXXX Vehicle Vin plus vehicle account number And I still Paying Payments on time even after this mess I never stopped

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 2023-10-06 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-10-06 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: GA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$9100.00}.

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 2023-10-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$9100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: PR

Complaint narrative:
Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from XXXX, XXXX and Trans Union with no results. I did send them letters wrote down and they didnt do anything.

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Basically, Citibank wrongly double-charged me for a {$100.00} payment that I had already made and I still today do not have access to that {$100.00} and have just incurred a late fee for being unable to pay a separate bill on time due to Citibank 's error and their failure to refund me ( or to even give me access to an additional {$100.00} credit on my account on which I could have taken a cash advance on to pay my other bill ). They've drained multiple hours of my time and energy by wrongly withholding money that I needed to stay financially afloat ; they've caused me financial distress and have wasted my time and money. 

On XX/XX/XXXXXXXX I agreed to a payment plan with Citibank ( over the phone ) to pay down my credit card debt {$100.00} per month for the next 6 months starting with the first payment on XX/XX/XXXX ; an automatic payment was scheduled. 

At XXXX on XX/XX/XXXX, I called Citibank to inform them that I hadn't yet gathered the {$100.00} for the scheduled automatic payment and that I would instead need to make a manual payment myself later in the day the representative replied that that would not be a problem as long as I paid before midnight. I called again at XXXX confirming that I would be making a manual payment shortly ; I did my due diligence in communicating how and when I would be able to pay. At XXXX, I made a manual online payment of {$100.00} and the payment posted On XX/XX/XXXX, Citibank withdrew {$100.00} from my XXXX checking account ending in XXXX. 

On XXXX, Citibank erroneously double charged the same account and withdrew another {$100.00}. Upon learning this, I immediately called Citibank and informed them of their mistake and requested an expedited {$100.00} refund to my account so that I would be able to pay a separate bill and avoid a {$36.00} late fee. 

On XXXX, I called Citibank requesting an update for the refund so that I would be able to fulfill my payment to my other credit card ; no luck. 

On XXXX, I incurred a {$36.00} late fee from another bank as Citibank failed to refund what they erroneously took from me I still don't have access to the money.

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 2023-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I signed up for auto pay and noticed that the auto pay date scheduled auto pay was well past my due date. I called customer service and they told me to make a payment before my due date on XX/XX/XXXX. I made a payment for {$1100.00} on XX/XX/XXXX. Without warning, Navient made a withdraw from my account even though auto pay was deactivated for {$1100.00}. My checking account is negative and I am unable to make my rent or feed my children. 

Furthermore, Navient has posted inaccurate late payments on my credit causing my credit score to drop by XXXX points. My loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX and Navient has posted XXXX late payments during that period. 

My credit is ruined and unable to get a credit card. My checking account is negative all because of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/2023 I disputed the following account Jefferson Capital Systems ( XXXX ), ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with a valid my signature contracting an agreement between myself and Jefferson Capital Systems XXXX would like for this account to be removed immediately as it is affecting my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: MOHELA
State: IN

Complaint narrative:
During the pandemic I applied for a PAYE IDR plan with the Department of Education and was approved on XX/XX/XXXX for payments of {$510.00} with my previous servicer, XXXX XXXX. I applied for this in order to apply for PSLF, for which I was approved and moved to MOHELA. However, now that payments are resuming, MOHELA has adjusted my payment to {$1500.00} as if I was never on a repayment plan and when contacted they tell me they dont have any information about a previous IDR plan from the transfer from XXXX XXXXXXXX and I need to apply for an IDR to get a different payment. However, this cant be possible because I could not even apply for PSLF without first being on an IDR. Thus, I need MOHELA to correct my payment amount to the amount of {$510.00} until I need to recertify in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BalanceOwed : {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: CA

Complaint narrative:
Over the course of several attempts, I have submitted all required documentation, diligently followed your guidelines, and cooperated fully in the hope of resolving this matter promptly. However, to my dismay, the bureaus have continued to dismiss my legitimate claims, leaving me in a state of vulnerability and uncertainty. Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. Account Details : XXXX XXXX. Please delete this account ASAP.

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 2023-10-06 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: NY

Complaint narrative:
Im begging you please remove this to the credit 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 2023-10-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXXXXXX 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 2023-10-06 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: NC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.

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 2023-10-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 response to consumer: Closed with non-monetary relief