vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: FL

Complaint narrative:
On XX/XX/2022 I sent to TransUnion a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 30 day late payment. I have brought this account and the error being housed to TransUnion attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from TransUnion telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.

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 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
In XXXX of XXXX  I financed a vehicle with Santander and during the months leading up to XX/XX/2020 I made all of my payments on time. In XXXX I was a nurse working at the height of the COVID-19 pandemic and became infected with the virus. That being said I was unable to work for about a month attempting to recover from illness as well as its residual affects so I asked for an extension on my payment. The customer service rep offered their covid-19 relief program which basically stated that my payment for that month would be added to the back of my loan. I accepted but they still reported a missed payment. In XXXX we were then affected by a Hurricane which caused major power outages, property damage and flooding so I asked for another extension due to the fact that me and my family had to evacuate. Again they made note that I had been affected by natural disaster but still reported a missed payment for that month. XXXX I made my regular payment but it was not reported. In XXXX I set up an auto draft from the account on file with the bank and the payment was never drafted. XX/XX/XXXX my car was repossessed. I called and was told that i was to pay a balance of somewhere close to {$3000.00} to get my vehicle back. They told me that I had until XX/XX/XXXX to remit payment or my car would be auctioned off on XX/XX/XXXX. I called on XX/XX/XXXX to pay my balance in full and was then told by the rep that santander was not approving my account for repayment and that I basically just couldn't get my car back although I had the money to pay and called by the deadline provided. I also tried on several occasions to obtain a copy of the auction receipt to verify the balance owed on this loan and was given the run around by reps also all mail correspondence sent to the creditor by me was ignored. Also This company shows an outstanding balance of {$8700.00} on my customer portal as of XXXX but is reporting an outstanding balance of {$12000.00} to XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : 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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX of XXXX the bank closed my credit card account and demanded me to provide them my Social and official ID. I called them and refused to re open until I mailed the copies. I mailed them and never received an answer. I never missed a payment and to this day they never answered.

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 2022-05-27 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: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : 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 2022-05-27 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: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: FL

Complaint narrative:
On XX/XX/2022 I sent to Experian a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 30 day late payment. I have brought this account and the error being housed to Experian attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from Experian telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XXXX XXXX the company closed my account without any warning. I was doing some additional payments with my PayPal balance but a subscription was charged and then the payment didnt went through. I rescheduled the payment as soon as I realized the mistake and then paid with my checking account. It was an additional payment, Ive never missed a payment. By the time I got a letter they have already closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: NJ

Complaint narrative:
i noticed a few accounts on my report that i do not recognize XXXX XXXXXXXX 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 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I was victim of a scam. A friend reached out to me on social media and tricked me into making false financial investments. ( I later learned that the friends account was hacked. My social media accounts also became hacked ). I was instructed to send an initial investment from XXXX of {$1000.00} to an account I was instructed to create at XXXX This account showed my initial deposit of {$1000.00} and a profit return of {$11000.00}. After a day the profit appeared I was then instructed via email that I needed to upgrade my XXXX XXXX account by paying {$2500.00} in order to withdrawal the initial investment of {$1000.00} plus the profit amount. On XX/XX/XXXX I contacted the company directly through XXXX and inquired on how to withdrawal the profit. I was told I needed to follow the instructions of the account manager and upgrade the account. On XX/XX/XXXX, I made the secondary payment of XXXX via XXXX and XXXX to withdrawal my funds. I was still not able to withdrawal and again I guided directly through the website and via account manager who no longer responded. At that point I claimed fraud on XXXX ( denied my claim ) and USAA for both the XXXX and XXXX payments. USAA debited the account for the XXXX  payments ( {$2000.00} ), replaced the debit cards linked to the account, and started an investigation. I received a call back from USAA on XX/XX/XXXX. I told them what happened and the investigator told me I was at fault and that I can no longer use my mobile wallet, XXXX, I will have to payback the debited amount of {$2000.00}. I was notified today XX/XX/XXXX the investigation is complete and I will be responsible for paying back the debited amount. I did not intentionally seek a scam I was investing in a product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: CA

Complaint narrative:
I'm filing this complaint because XXXX has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed. 

They have also gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

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 non-monetary relief
Consumer complaint received 2022-05-27 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: CA

Complaint narrative:
I'm filing this complaint because XXXX has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed. 

They have also gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

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 non-monetary relief
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX : XXXX  XXXX Balance Owed XXXX {$0.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00}

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 2022-05-27 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: CITIBANK, N.A.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit cared account under an open end consumer credit plan as late for purpose.

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 2022-05-27 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:
Please see attached documents as it has my identification and complaint

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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
The account balance was low as a very, very costly subscription that was intended to be canceled renewed a day early and immediately overdrafted my account. With no alert, I proceeded to make several purchases. I at no point agreed to the overdraft protection or was made aware of it. So when my small purchases of gas, a few things at the grocery store, XXXX and with all the money budgeted ( Im old school and rarely looked at the online portal. By the time my paycheck arrived - at which point my account would be well in the positive range as everything I did was budgeted- the account had accrued such a massive negative balance ( something like {$70.00} overdraft fee ) then {$35.00} reporting fee, plus {$20.00} for every day the account balance was negative. Even with my paycheck the account was at- {$500.00} and accruing more debt daily that I could not pay. I scrambled to freeze my debit card and cancel all subscriptions but a subscription linked to the debit card which was at this point frozen still charged multiple days after I froze it, causing another {$100.00} overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recovery Service LLC has continued to harass me about debt that is not mine. I sent a validation letter to the company post dated XX/XX/2022 to stop contacting me unless they can show me evidence that I am responsible for this debt and their authority to collect this debt. They have failed to respond to my letter but rather continue to harass me with unjust communication tactics which is in violation of the fair debt collection practices act. I am disputing all of debt and would like all communication from this company to cease once and for all. No more phone calls or letters. I also would like any of this incorrect information removed 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 explanation
Consumer complaint received 2022-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Equifax case # XXXX regarding XXXX XXXX acct XXXX XXXX that is on my credit report. Just take a look at the documents I have attached from both Equifax and XXXX. None of their reporting is accurate and dont even match! This is unacceptable! This is where you can tell there was NO INVESTIGATION! I should get legal representation because According to Equifax response as I am quoting Please be advised that an internal review was completed and results were mailed to you. We hope this resolves your concerns. I never received any results or any response about the accuracy of the XXXX XXXX acct or investigation and steps that were taken to verify this acct! XXXX XXXX Another violation based on the last reported date on this XXXX XXXX # XXXX the last reported date of activity was back on XX/XX/XXXX I live in the state of Florida and XXXX statue of limitations is 5 years! This acct is well over 7 years. There is no date of delinquency, pass due XXXX reported XXXX This is a clear violation/s. Its been over 35 days and no response either by mail or phone calls from either party this includes XXXX XXXX, Equifax, XXXX or third party collections! Please provide detail results of how the investigation was conducted by whom and supporting documents that this account is accurate! If not please delete this acct from my Equifax and XXXX Credit Report. Thank you

Company response to consumer: Closed with explanation