vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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: TX

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 this account ( 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 : {$3600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently reviewed my credit, many unknown unrelatable unauthorized inquiries

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently reviewed my credit, many unknown unrelatable unauthorized inquiries

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 2023-07-15 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: NY

Complaint narrative:
I was a victim of identity theft a few years ago, the way I found out was because I tried to open an account with Bank of America and there were several open. but I didn't open them. till today I still can't get any back to open an account for me and it's killing my credit. 
I told them it wasn't me and I had no clue what they were talking of. I did have the child support card that was sent to me by the child support office from Bank of America years ago. but that also was stoped and i'm not able to get another card ( why I don't know. I have tried everything and nothing works please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
This is regarding the Texas B-On-Time Student Loan. I have never received a monthly statement since I graduated college in XX/XX/XXXX. I have made a couple of payments towards the loan, only because it hit my credit report in XXXX when I pulled the report, and I called them and try to work things out. Ive lost my job a few times since graduation ; in XXXX, XXXX, XXXX and recently in XXXX, and during these times I am extremely focused on getting back on track with work. Texas Higher Education Coordinating Board has never sent me a monthly statement, so when I resume work I have other things the occupy my time and mind, so I completely forget about things that arent right in front of me. I make on-time payments towards my federal student loans, and every bill and credit card I have, and thats mainly because they make sure to send me monthly statements. I have requested that the Texas Higher Education Coordinating Board send me copies of any prior statements they may have sent in the past, but they can not seem to find a single statement. I have changed apartments a little bit, but I always send a forwarding address, and have never received a single bill whether paper or electronic. Now I see that they are hitting my XXXX credit report with late payment notations since XXXX, but can not seem to provide me with a bill they have sent prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated

Complaint narrative:
Received and XXXX alert that Consumer Adjustment CO has flagged my account as collections. I am not aware of this debt and did not receive any prior notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: TX

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-07-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them 18 U.S. Code 1028A - Aggravated identity theft ( a ) ( 1 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: IN

Complaint narrative:
According to 15 USC 1681B premissible purpose This company is in violation of the fair credit act.. I did not give permission or consent or signatureFor them to be reporting anything on my credit report I would like this account removed immediatelyRemove this account permanently from my credit report it does not belong there I have a right to privacy XXXX XXXX XXXX. Date opened, XXXX. XXXX, {$4100.00} XXXX XXXX. Date opened, XXXX. XXXX, {$610.00} XXXX XXXX. Date opened, XXXX. XXXX, {$890.00}

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 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a call from an attorney saying Im being sued for a debt. I then received a call from capital one offering me a settlement offer for the debit. I emailed them and explained how my identity was stolen. The address on the capital one account doesnt match my address and also the bank account attached to account is not any of my accounts I have or ever had. I want this matter handled and off my credit as it has destroyed my score! I have no credit cards never have so why Id open one and not pay is ludicrous! Please help me fix this situation and restore my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
An application was completed through Chase Bank for Chase Total Checking account on XX/XX/23. Then it was approved and open/ready setup on XX/XX/23. Finally XX/XX/23 it was activated from a phone. I spoke with Chase rep and verified an account open in my name without my permission ( fraud ). File police report on XX/XX/23 and Police investigator follow-up on XXXX, stating case is open and will follow-up on result. 

3 months ago XXXX XXXX XXXXXXXX, same thing happen, ended up submitted Fraud via phone and had to verify my identity, still no result yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: TX

Complaint narrative:
I have had issues with XXXX, XXXX, and Transunion about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience 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 2023-07-15 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: TX

Complaint narrative:
I have had issues with XXXX, Experian, and XXXX about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience 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 2023-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
CARRINGTON IS ATTEMPTING TO FORECLOSE ON MY HOME WITHOUT AN ASSIGNMENT OR IN RIGHTS TO THE PROPERTY, THE ONLY DEED RECORDED IS FOUND IN BOOK 73 PAGE 177 FILED XXXX XXXX IS THE ONLY THE SECURITY DEED HOLDER. 

THEY ARE ALSO GUILTY OF DUAL TRACKING. WE WERE WORKING ON LOAN MODIFICATION AND WHILE REQUESTING ADDITIONAL PAPER WORK THE PLACE MY HOME IN THE HAND OF XXXX CARRINGTON XXXX XXXX XXXXXXXX XXXX TO FORECLOSE ON MY HOME I MAILED A QWR OVER 60 DAYS AGO AND IT STILL HAS NO BEEN RESPOND TO. I SENT THEM A NOTICE OF DEFAULT AND I HAVE GOTTEN A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had issues with Equifax, XXXX, and XXXX about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has put a weird block on my credit report and third parties are unable to access my credit report or view it and dispute items on my behalf and transunion is not fixing my dispute errors in few accounts so I hired a credit repair company to fix it but they are unable to access my transunion report due to a weird error and I need transunion to put a trouble ticket on my credit report And I cant lift a security freeze either Im getting an error message on transunion end.. 

I want this fix otherwise Im taking legal actions The following accounts in trying to dispute as identity theft is XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX I hire a third party credit repair and they are unable to access my 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 non-monetary relief
Consumer complaint received 2023-07-15 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023 I made a settlement payment in the amount of {$8300.00}, Penfed credit card account ending in XXXX. This settlement amount was agreed upon by Penfed Credit Union and myself in writing, stating my account would be settled in full and reported to the credit bureaus as 'settled for less than full balance'- per the attached letter sent by Penfed representative XXXX XXXX via email on XX/XX/2023. There was a mis-key on XX/XX/2023 resulting in another payment processed via phone on XX/XX/2023, the mis-key was acknowledged by another Penfed representative. Penfed has failed to uphold their end of the agreement intentionally due to being exposed for numerous instances of negligence and mishandling of this account. Penfed retaliated by reporting this account as derogatory, having an unpaid balance, in collections, and charged off as bad debt, the agreed report remarks ; 'settled in full ', 'settled for less than full balance ', were intentionally omitted. I have bought this to Penfed 's attention and nothing has been done to resolve this issue all the while I've upheld my end of the agreement and Penfed refuses to ; while I continue to have to deal with the turmoil resulting from their negligence and breach of the settlement agreement.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: Westcreek Financial
State: TX

Complaint narrative:
I was in the mist of trying to buy a house. I realized I had damages on my report due to a charge off. I did not receive a 1099 form from the company. According to the 15 U.S.C 1681 Law there should not be damages on my report it is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LYON SERVICES CORPORATION
State: CA

Complaint narrative:
This company specializes in home improvement and pool loans, I filled out all information and was approved but now after sending in Id 's and sending in the contracts details everything has stalled and promises fron Lyon Financial to send me the final documents to sign have not been done. For over a week I keep being told they will be sent but nothing has happened, Myself and the contractor is waiting on final documents to begin work. 
Their last excuse was they are behind in processing applications. 
My loan has been approved since XXXX I believe. Just need help getting the ball rolling. They have discriminatory complaints with the XXXX against them. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear [ BOA representative ], I hope this message finds you well. I would like to address a matter of concern regarding the monthly fees I have been charged by BOA for several years now. As a valued customer who has been with your institution for over a decade, I feel it is important to bring this issue to your attention. 

In reviewing my account statements, I have noticed consistent monthly charges of {$12.00} listed as a " Maintenance fee. '' When inquiring about the purpose of this fee, I was informed that in order to avoid it, a minimum daily balance of {$1500.00} is required. While I understand the need for banks to manage their operations effectively, I find it unreasonable to be penalized for not keeping a certain amount in my account, especially considering I have never had a returned or bounced check. 

As a responsible customer, I believe it is my right to manage my finances as I see fit, without undue restrictions or fees imposed by the bank. I place great importance on my hard-earned money and find it unjust to have to pay fees to access more of it or to be dictated on how much money I should maintain in my own account. This level of control seems excessive and lacks the necessary transparency and oversight that customers like myself expect. 

In light of these concerns, I kindly request a thorough review of the fees I have been charged over the years. Furthermore, I request a refund of the accumulated fees, as I believe it is only fair to reimburse me for the funds that have been unnecessarily withdrawn from my account. 

I look forward to your prompt attention to this matter and appreciate your understanding of my perspective as a loyal customer. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. Thank you for your time and consideration. 

Yours sincerely, THANK YOU

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