vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: FL

Complaint narrative:
On XX/XX/2021 my personal bank accounts were levied by Attorney XXXX XXXX for CashCall , Inc. All of my money, totaling {$2100.00}, was seized by a judgement gained against me in XXXX County Superior Court . My bank, XXXX XXXX, notified my after my money was seized in writing of this judgement, stating that, " by law they were required to deduct money from my account and they may withdraw money in the future in response to the legal order. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
I have disputed 4 Bankruptcies reporting on my credit report that do not belong to me. The items were all previous disputed and removed but reinserted without notification or proof of verification that meets FCRA requirements which violates my consumer violating rights so I am filing this complaint prior to litigation for punitive and actual damages. The four public records ( bankruptcies ) listed do not belong to me and both the courts that are alleged to have provided the information and XXXX XXXX the secondary party I was informed Experian used to gather the incorrect info have both stated to me they have no record of these bankruptcies in my name and connected to my SSN.

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 2021-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CA

Complaint narrative:
I have been disputing items on my credit report that have not been verified or validated. I have asked TransUnion on multiple occasions to verify the accuracy and validity of the accounts being reported to my credit report. 

I have asked Transunion to verify the Method of Verification, who they spoke with to verify the alleged account, the telephone and address so that I can speak with them and how they verified, TransUnion failed to provide any viable evidence from the furnishers and generated an automated response as I did not consent to e-oscar or automated verification. 

I also asked for the TransUnion to ask the Furnishers for the original signed contract bearing my signature on every dispute since 2017, and they also have failed to provide such evidence, and continue to report inaccurate, incomplete, unverifiable information on my credit report, violating FACTA, FCRA, and my consumer FDCPA rights. 

As also XXXX  and XXXX  have also neglected to properly verify with as TransUnion. 

I have experience emotional and mental distress resulting in humiliation and embarrassment as I have been denied credit on rentals, credit cards, and loans, because these items have not been properly verified or removed as directed.

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 2021-07-09 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: NY

Complaint narrative:
Unauthorized use of credit report. XXXX, XXXX, EQUIFAX is out of pocket! please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Since XXXX I have been disputing the alleged account with Barclay Bank of Delaware, I have made several attempts for the furnisher to provide me with evidence of which I owe this alleged debt, the method of verification providing the name, address, and telephone number of the persons that verified this debt, the original signed contract bearing my signature, I even showed evidence via my credit reports that the furnisher was reporting inaccurately to XXXX, XXXX, XXXX, with inaccurate, incomplete, blank or missing information such as account numbers, high balance, credit balance, dates open, reported, last reported, account type. 

And the furnish still reported to the consumer reporting agencies as verified and accurate. It has been more than 5 years of inaccurate reporting, which is past the statute of limitations in CA, I have also asked if they are licensed to report and collect in my state and provide me with this evidence and have still failed to do so. 

On XX/XX/XXXX I was served a lawsuit by XXXX XXXX XXXX, that were unable to provide me with viable evidence of the original contract bearing my wet ink signature, who simultaneously was attempting to collect the same debt as Barclays Bank of Delaware. I contact both XXXX XXXX XXXX and Barclays requesting evidence, and neither XXXX XXXX XXXX and Barclays failed to provide evidence. 

Barclay continued to report inaccurately without providing evidence even after XXXX XXXX XXXX stopped reporting. As of XX/XX/XXXX XXXX  and XXXX  have stopped reporting as there were unable to provide evidence from this alleged account that beared my wet ink signature.

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 2021-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, I made an ACH transfer from my Small Business account at Bank of America to the Recipient at XXXX, for the amount of {$3000.00}, and was confirmed that the fund will arrive by next business day. 

However, the fund never arrived, I have worked with the recipient but XXXX stated they never received the transfer. I contacted ACH Department of Bank Of America and was advised that the transfer had been successfully made on Bank of America 's end, and that there are no other options aside from filing a claim with them. 

As of now ( XX/XX/2021 ), I have not received any further update from neither banks. My account has been deducted of {$3000.00} since XX/XX/2021 and the last communication was from Bank of America on early XXXX, affirming that they have completed the ACH transfer, and the only option is for them ( Bank of America ) to do a " courtesy '' reach out to XXXX  for review. There is no case being shown in my Online Banking account and no further update since 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 2021-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 explanation
Consumer complaint received 2021-07-09 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: CITIBANK, N.A.
State: WI

Complaint narrative:
In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at XXXX XXXX, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

XXXX XXXX and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2021-07-09 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. This is unauthorized use of my credit report. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX CARD : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I took car loan from Santander bank Account number is ( XXXX ) car was XXXX XXXX, XXXX And total loan was almost XXXX and I was paying monthly payment correctly each month XXXX $ until pandemic for Covid, I contacted the bank to make delay payment for 2 months and they accepted and they send me letter including approval for making payment delay for XXXX or XXXX  months, so in XX/XX/2021 I did accidents with my car and insurance company XXXX Consider my car damage and I did claim number ( XXXX ) they considered the car total loss so they paid to Santander XXXX $ so after that I did claim by gap insurance for the remaining amount which not covered from XXXX, I did claim ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they paid for Santander Bank almost XXXX, when Santander bank received money from XXXX and gap insurance too, not decreased interest and he still sending me bill and my credit score impacted although, the car already was taken by the company insurance XXXX, I need investigation about this and I send them letter to make payment plan but still not respond and they send me monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NY

Complaint narrative:
Not only that the last date active doesnt match between XXXX  and Equifax but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of XXXX  and Equifax Im tired of this abused of this unfair act and ruthless actions but this credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

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 2021-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent out a dispute letter to the credit bureaus requesting them to correct the status of my payment history. They have not responded to my request in this matter or provided any reason for there not to be a change.

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 2021-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Boeing Employees Credit Union. 
Withdrew funds from savings account and made a payment on a credit card without authorization or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XXXX, I purchased a XXXX laptop from BestBuy for {$750.00}. They had a promotional offer to pay in 18 month and I took the offer. I had been paying the minimum of {$27.00} a month. On XXXX month, I called BestBuy using the phone number on the back side of my credit card to let them know that I wanted them to charge the remaining balance using my checking account number on file. The representative I spoke to was having a computer freeze issue. His computer froze after he verified my identity and understood the reason for my call. He stated, " I am sorry but my computer suddenly froze on me but I made a note here to charge your remaining balance as soon as I make the computer work ''. I trusted him and moved on with my life. Few months later, when I was reviewing my checking account, I found out that BestBuy is still taking the same {$27.00} per month out of my account. When I called them to find out what happened and why the remaining balance was not taken out of my account, they informed me that the remaining balance was not paid before the end of XXXX months and therefore I was charges fees that added up to approximately {$270.00}. By XX/XX/XXXX, they had taken out a total of {$810.00}, which is {$64.00} more than what I supposed to pay. Plus, they sent me to collections after I pulled auto pay and expressed my concern. The supervisor I spoke to stated because there is no note in my account or no record of me calling, they could do nothing for me. How is it fair that they over charges me and they are still able to manage to send me to collections. My recent credit history check shows the balance they reported to XXXX was {$570.00}. It does not make sense that they already received {$810.00} and are still trying to collect {$570.00}.

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 explanation
Consumer complaint received 2021-07-09 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: NY

Complaint narrative:
Not only that the last date active doesnt match between Transunion and XXXX  but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of Transunion and XXXX  Im tired of this abused of this unfair act and ruthless actions but this credit bureaus

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