vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
From XXXX of XXXX I submitted multiple letters to Experian, XXXX and XXXX to please investigate and show me proof and validation of the items reporting on their Credit reports with my identity. To this day, nothing has been furnished or provided to me with proof of debts and amounts they illegal report to the world, when I apply for credit which is negatively impacting my personal life. Here is sample of the letter : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX -please delete and remove this account from your report..XXXX  XXXX XXXX XXXX please delete and remove this account from your report XXXX XXXX XXXX XXXX please delete and remove this account from your reportXXXX XXXX XXXX XXXX- please delete and remove this account from your report - XXXXXXXX XXXX XXXX XXXX- please delete and remove this account from your report- XXXX XXXX XXXX, XXXX- please delete and remove this account from your report- XXXX XXXX XXXX bank card services- please delete and remove this account from your report- XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, 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 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Should not be included in my credit report is an more than 7 year account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: PR

Complaint narrative:
For 2 years I have been sending letters to XXXX, Experian and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.

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 2023-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with 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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2023, received a letter in the mail that I was turned down for a credit card for XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX XXXX out of XXXX, XXXX. I never applied for nor wanted such a credit card. Today, I was on the phone with Transunion XXXX XXXX, wanting this problem resolved. 
I wasted approximately an half hour with them. 

Their solution was to XXXX XXXX XXXX XXXX XXXX, I was given three ( 3 ) phone numbers, one was to their Fraud Department, called it twice, no one picked up the phone.

I want this resolved, I suspect I am a victim of Identity Thief, or Fraud of some sort. 
As stated I never applied for this credit card for any reason.

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 2023-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I funded my savings accounts on three separate occasions to my Ally bank account The first was on XX/XX/XXXX in the amount of {$60.00} The second one was on XX/XX/XXXX in the amount of {$110.00} the third was on XX/XX/XXXX in the amount of {$50.00} Once the funds were received, I allocated them to my savings buckets within my Ally Savings account. The money was available until I started to receive a message that read something to the effect of buckets unavailable, please try again later. 

I then called Ally on XXXX and spent a good amount of time on the phone with their rep who was not very helpful and requested screenshots of the transactions, which I sent over and they said it would be escalated. I called the bank again on XXXX and was told that there was nothing they could tell me other than a tech team was working on it. It is now XX/XX/XXXX and I have had no word back from the bank and I am still out {$220.00}. I have transaction logs of the money being deposited and allocated to my savings buckets. I have researched and it seems that other people have been having the same issue, so who have been waiting 5 months and still no response.

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 2023-06-12 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: Atlanticus Services Corporation
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, Fortiva, has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-12 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: OK

Complaint narrative:
There are multiple hard inquiries reported on my credit report. On my Experian credit report, the following are unauthorized hard inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry ON XX/XX/XXXX from 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. Also on XX/XX/XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not recognize any of these. I called the companies on my Experian, XXXX and XXXX XXXX report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.

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 2023-06-12 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: NC

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX data breach may have got into the hands of the wrong person.

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 2023-06-12 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: NC

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the Equifax data breach may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX reported incorrect information to XXXX XXXX which resulted in denial of my application for housing. Ive attempted to reach out to this company, but have received no response ( violation of FCRA - file disclosure ). The adverse action letter provided by XXXX XXXX advises that they received their information from a third party credit reporting agency ( XXXX ), who claims to use Trans Union as the source of their information. I was denied for derogatory past/present obligations, but havent had a late payment in almost 5 years. Additionally, I have 100 % payment history and NO DEROGATORY CREDIT WHATSOEVER! I also have NO evictions, bankruptcy, public judgments. So Im unsure where they actually got their information from because Trans Union has no such information. XXXX XXXX also claimed to have thoroughly reviewed the information, but left the Trans Union credit score and date of credit score blank ( which is another violation of the FCRA/Dodd Frank Act ). This company and their constituents HAVE NOT provided any information to have the issue resolved properly and have caused me damages as a result. 

The other issue Im having is the fact that I feel Ive been racially profiled and discriminated against which resulted in a premature denial for housing as the requirements of the XXXX XXXX ( help to buy a new home ) are all met by me and should have been approved. I pointed this out to them per the information on their website and they responded ( again with the same notice that points to violation of FCRA/Dodd Frank Act. As such, I will also be filing a formal complaint and requesting investigation and damages for violating the Fair Housing Act.

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 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Re : Ally Auto Account Number ending in XXXX CFPB Number : XXXX See attachment with text message from XXXX, ensuring that contract will be updated. 

XXXX, Executive Customer Relations at Ally Bank is reporting that XXXX has reached out to me and that they have not heard back, I have text messages as proof that XXXX was sending me a new contract via overnight XXXX which they never did because the " manager is on vacation. '' It is factually incorrect that XXXX has not heard from me. Please resolve issue I have reached out to Ally today XX/XX/2023. I am writing to dispute the fact that Ally Financial is reporting my business vehicle loan to my personal credit. I was informed by the dealer that this was a commercial loan and that it would not be reflected on my personal credit. This deceitful act is in clear violation of credit reporting laws. This is in clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights to fair and accurate credit reporting. The FCRA prohibits creditors from reporting information to credit reporting agencies that is not accurate, timely, or complete. The FCRA also prohibits creditors from reporting information to credit reporting agencies that is not authorized by the consumer. In this case, Ally Financial is reporting information to a credit reporting agency that is not accurate, timely, or complete. Ally Financial is reporting a business loan to a personal credit report, even though the consumer was informed by the dealer that this was a commercial loan and that it would not be reflected on their personal credit. This is a clear violation of the FCRA.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is a public record that is still appearing on my TransUnion credit file. I have disputed this many times, this is not accurate nor verifiable. Do I need to get an attorney?

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have XXXX XXXXy for my Bank of America card but I also made XXXX extra separate payments beginning in XXXX, XXXX and XXXX on my Bank of America credit card which amounted to almost {$2500.00} and the money was not applied to my active account. Instead the money mysteriously was applied to an inactive business account and no one can explain why it went there instead of my personal account. I discovered this mistake last week and attempted to fix this error. I contacted B of A online. They said that the money will be transferred to the proper account but it may take up to one or two billing cycles. In the meantime, I am paying full interest on money due. It also then limits if I have a big purchase to make as well. What is the delay? They should be paying interest on my money.instead of charging me. When you attempt to talk to them via phone, they hang up on you when you ask them questions as well. Can you help me? Thanks in advance.I also went today XX/XX/13 to a local B of A bank in person to ask them to fix this problem and I got the run-around and they are shifting the blame to my personal XXXX XXXX. This is totally inaccurate, B of A made the error and refuses to make it more timely. Thanks again

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hi, my name is XXXX and I had a Tuition Answer loan with Navient. I filed bankruptcy in 2016, but continued to make payments after. Citing the recent court injunction- Homaidan et al., v. Navient Solutions LLC et al., case number 1:17-ap-01085 - Navient has been ordered to halt collection on this loan ( they have since transferred the loan to my co-signer ). Your website states that Navient has been ordered to return payments made after a bankruptcy case. Navient has refused to do so. I have called customer service to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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