vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't understand why my credit percentage of use is so high. I pay my cards of every month. This is with all credit cy name is spelled wrong. 


My name should be XXXX not 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 2022-03-25 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: MS

Complaint narrative:
On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, TransUnion and XXXX. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are three accounts on my XXXX, XXXX, and Transunion report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOE/XXXX - XXXX US DEPT OF EDU - 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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are three accounts on my Experian, XXXX, and XXXX report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOEXXXX - XXXX** US DEPT OF EDU - 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 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, a natural person, am demanding Santander Consumer USA to provide me with any documentation, and concrete evidence, and any agreements WHATSOEVER between myself XXXX XXXX, and Santander Consumer USA, to give an unauthorized 3rd Party, a XXXX that was NOT a witness of the Transaction between ( myself, XXXX XXXX, and Santander Consumer USA ) give XXXX XXXX XXXX XXXX the rights to get my information, my address, my location, come to my property, and take my vehicle ( XXXX XXXX XXXX ) by FORCE in front of my neighbors/witnesses dated on XX/XX/XXXX. Where is the documentation to give an unauthorized 3rd party, the rights to do such things? This complaint is very simple and CLEARY to read and should not be misunderstood. 

PLEASE provide me such information mentioned above. 
I AM DEMANDING those documentation. Expeditiously! 

The company XXXX XXXX XXXX XXXX has admitted, and confirmed of taking my property ( XXXX XXXX XXXX ) away from me at my place of residence to be exact is where my property was taking away ( See attachments ). 

Ive also filed a complaint with Federal Trade Commission in regards of this serious matter. 
Again, Please provide me the information mentioned above. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25 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: NCB Management Services Inc.
State: TX

Complaint narrative:
XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get XXXX to remove this wrong information. See file number above. XXXX, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. XXXX and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. XXXX tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Collection agency NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: NE

Complaint narrative:
Hyundai Motor Finance stopped the automated bank draft on its own and without notice right before the final lease payment was due. It then tacked on additional penalties and interest as " late fees '' and inflated the cost to purchase the vehicle at lease end. During the purchase and since, the company refused to itemize or justify its inflated purchase price and has since been non-responsive to written and verbal requests for an itemization and refund.

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 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I am trying to participate in President Biden 's temporary expansion of public service loan forgiveness ( TEPSLF ). Prior to consolidating my loans and enrolling in public service loan forgiveness ( PSLF ), I worked for the District of Columbia XXXX XXXX. My loan history on XXXX XXXX XXXX shows that I was in repayment of my loans from XX/XX/XXXX through XX/XX/XXXX. Because I worked for a qualified employer and did not have private loans, those payments should count towards PSLF because of Biden 's XXXX. I submitted my employer certification for DC XXXX XXXX, dated XX/XX/XXXX - XX/XX/XXXX, to FedLoan Servicing on XX/XX/XXXX. Since that time, no one has reviewed that employer certification for qualifying payments during that time period. I have called FedLoan Servicing an average of weekly since submitting that employer certification. They tell me they can not see my payment history prior to consolidation and I need to speak to the Department of Education. I have also called the Department of Education Ombudsman XXXX XXXX almost weekly since XX/XX/XXXX. They tell me they can not see my payment history at all, and FedLoan Servicing has to decide if any of my payments from XXXX XXXX- XXXX XXXX count towards XXXX. No one will review my materials! There is not point to XXXX if not one reviews payments that count towards PSLF because of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 2022-03-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have two credit card accounts, two checking accounts and one savings account with Bank Of America. Without warning, they closed my two credit card accounts. On XX/XX/XXXX, when I called to ask why a charge on my credit card had been denied, they advised me that all of my accounts were being closed, including my checking accounts and my savings account. I asked why and was told that the bank has made a decision to close my accounts. They would not provide any other information. They would not allow me to speak with a supervisor. The following day, on XX/XX/XXXX, my husband and I went to a branch office and spoke to someone who said the same thing. They also would not provide any additional information. We were told that our checking and savings accounts would be closed as of XX/XX/XXXX. My bank accounts have never had a negative balance. I have no had a NSF notice in several years. I don't have a lot of money in my accounts, but I have a balance in all of my accounts. I pay my credit cards and have never been late with payments. 
On XX/XX/XXXX, I received a letter notifying me that my accounts had been closed. The letter also advised that the bank may report these account closures to agencies that may affect my ability to open an account in the future.

I have been banking with Bank of America for almost 40 years! I have no idea what is happening and I am concerned about my credit rating and how this will affect that.

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 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RAB, INC.
State: TX

Complaint narrative:
XXXX XXXX is an employee of RAB Inc. We have now asked him and his organization to take us off his list and to stop all phones calls on at least 5 occasions. 

He calls us over and over. Leaving very threatening messages. He contacted me today by making it look like my office called me. While he was on the phone with me, he pulled up my address, my auto mobile, my wife and her birthday, and while talking to him, he began pulling up my home, home value, address, car wife 's car and threatening both me and my wife. 

This man is not only a criminal but he is very dangerous. He calls me and I am not even an officer of the company that he says owes the debt. He calls the owner, employees who do not even know about the situation, companies he finds on our websites, and harasses and threatens each of us. This company and this man is very very dangerous. We have asked them now to stop calling for several weeks. They refuse and now are threatening our families. I feel I should start carrying a XXXX. 

Imagine a stranger calling you who you owe nothing and have never met, and they start telling your address, home value, the cars you drive, license plates, wife 's name, my dob, my wife 's dob, and then yelling at you calling you a criminal over and over.

Would you find this threatening? Would you feel endangered?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
on XX/XX/24 citibank inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting citi bank to report it as fraudulent and was told nothing can be done.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-25 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: PA

Complaint narrative:
These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been trying to get my car titled and registered in XXXX  for 2 YEARS, and they have refused every step of the way to help me. I am still paying Capital One for the loan, but they will not send the DMV, or myself, the documents I need to register and title the vehicle. I was living in XXXX, now I am in XXXX. My car is two years expired because of their refusal and inaction, so essentially I can not use what I am paying for. I was recently escalated to tier 3 customer complaint, The Office Of The President, or something and haven't heard anything in almost two weeks when the representative said she would resolve this ASAP. I call their Auto Finance help line and every time I call the automated answer says " I'm sorry, we're unable to take your call at this time ''. I haven't been able to reach anyone for weeks. The last time I called, I went through their personal loan line to have someone connect me. I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022, I mailed a letter to each of the three bureaus Equifax, XXXX and XXXX. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, XXXX and Experian. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.

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 2022-03-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.

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