vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to your office in relation to my ongoing concern regarding inaccuracies in my credit history, which, despite my previous communication, remain unaddressed. 

As previously stated, the disputed accounts were : XXXX - Account # : XXXX, XXXX - Account XXXX : XXXX, and XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX, continue to be incorrectly reported on your records. 

I have previously informed you that these discrepancies have been rectified and deleted on my XXXX credit report. The inconsistency between Transunion and XXXX report with that of XXXX prompts questions about the accuracy of their verification processes. It is disheartening to see discrepancies tolerated, as it appears to be a violation of my consumer rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

As per my comprehension, this law entails that upon notification of a dispute, the consumer reporting agency should conduct a reasonable reinvestigation within a 30-day period to determine the accuracy of the disputed information and remove them from my credit report if they are found to be inaccurate. Despite previous attempts, the inaccuracies still persist on my credit history, causing significant mental and emotional distress and affecting my reputation and my credit ratings. And still, you continue reporting the same inaccurate accounts on my file.

I am asking them to take immediate action to rectify this situation and ensure that my credit report accurately reflects my true credit history.

I want to bring to their attention the potential legal implications outlined in the Civil liability for negligent noncompliance. Negligence in complying with the requirements may result in liability for actual damages and legal costs.

I urge these credit bureaus to promptly correct and delete these inaccuracies to align with XXXX 's records. I believe this is crucial not only for the accuracy of my credit history but also to uphold the standards set by consumer protection laws. 

Your immediate attention to this matter is appreciated, and I anticipate a swift resolution to alleviate the distress caused by these inaccuracies.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX XXXX XXXX| DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF INQUIRY : XX/XX/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 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
Morgage on my property XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Began in XXXX, The XXXX XXXX sold to Western Alliance. 
Loan number XXXX XXXX I have called repeatedly, and have spent an enormous amount of my time to bring this to Western Alliances attention, after they had essentially drained my bank account. I finally did talk to someone on XX/XX/XXXX at XXXX who agreed with me, that I was paid through XXXX, and my next payment would be XXXX of XXXX. 
I am still recieving notifications that I am behind in my payments. 
My concern is not only how the heck did this happen, but to get them to stop contacting me. I am concerned about my credit also. 

The XXXX XXXX took 2 payments in XXXX, the XXXX was {$2200.00} and the XXXX was {$2200.00} ( XXXX Payment ) Western Alliance then took took an additional payment on XX/XX/XXXX of {$2200.00}, and another on XX/XX/XXXX of {$2200.00} On XX/XX/XXXX Western Alliance took another payment, {$2200.00}, then returned {$2200.00} on XX/XX/XXXX In XXXX, Western Alliance took two payments on XX/XX/XXXX of {$4500.00}. They then took another payment on XX/XX/XXXX of XXXX. They also took payments on XX/XX/XXXX of {$2200.00}, via XXXX, and again {$2200.00} on XX/XX/XXXX. 
Let me point out this is 5 payments in one month. 
On XX/XX/XXXX, XXXX deposited the XX/XX/XXXX payment of {$2200.00} into my account. 
In XXXX there was a deposit of {$2200.00} on the XXXX, followed by a withdrawal of {$2200.00} on the XXXX from Western Alliance. 
On XX/XX/XXXX, there were two withdrawals from XXXX, {$2200.00} and {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services
State: FL

Complaint narrative:
a Letter from North American Credit Service , Inc. ( NACS ) was mailed XX/XX/XXXX stating I owed them {$160.00}. 

XXXX sold the medical debt to NACS - no notice was ever sent informing me of my options to opting out of and/or selling/ or distrubting my non public information to this 3rd party. 

Liability : Pursuant to Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) The Privacy Act of 1974 ( 5 U.S. Code 552a ) XXXX XXXX ( 15 U.S.C. 6801-6809 ) willing to negotiate this settlement. email me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXXXXXX  11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or Experian permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to XXXX and Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS FRAUDULENT CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. EXPERIAN CREDIT BUREAU REFUSED TO BLOCK AND DELETE THIS FRAUDULENT ACCOUNT FROM 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF XXXX : XX/XX/XXXX CAP XXXX NA || DATE OF INQUIRY : XX/XX/XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/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 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
hello i was in accident and the bank they new i was on XXXX had low income and barly can make the payment they plotted with the insurance comapny and refused to help with car and i am still struggling to pay this loan i have no money i am XXXX and very poor they are forceing me not to pay so they can repose the car and take the vechile they refusing to help me ower the payment i am going into debt into a hardship and basically runing me dry of money they let the insurance cancel my policy with out care they basicly pointed the finger on me they left it off for 8 month the car insurance and poltted with them to leave insuras off for 8 month not telling me they cancelled the insuras not notfiyed me about them removeing it they are still haveing me pay for car loan XXXX the car was over priced XXXX for 95 % more then the car is frist off that price gruge this was not my fualt XXXX XXXX this guy was driveing on the other side of the road and i was XXXX XXXX  me had camera and is being handle buy a lawyer they are abuseing this contarct and me the consomer the contract they have they are abuseing it have done nothing to help me EXCEPT try and repose REPOSSESION my car they are abusing me and being loan comapny they sold a car that is actully unsafe to drive that make me qestions them more and had the car company send letter ABOUT RECALL TO THAT VECHILE makeing a statement THIS VECHILE IS RECALLED AND MAJOR SAFTY ISSUE HOW AM I BEING STUCK WITH THIS IDK THEY REFUSED TO SPEAK TO MY LAWYER AND REFUSED TO LOWER THE PAYEMNTS THEY REFUSED TO DO ANYTHING THEY WANTED TO SCREW ME THEY DID WHAT NEXT NOW IM OUT XXXX MONTHLY THNAKS AWFUL BANK AND THEY KEEP GIVING ME FALSE INFORMATION AND REPORTING FALSEINFORAMTION TO CREDIT COMPANY WERNT THEY JUST SUED FOR THIS?? PLEASE HELP ME THIS PEOPLE ARE SCAMING ME IT NOT GOOD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I applied for a XXXX XXXX with my Citi Credt Card, per there terms and agreement. All payments amounts greater than the minimum due are applied to the balances with the higher APRs before balances with lower rates. On XX/XX/XXXX and XX/XX/year>, I made two {$1000.00} payments totaling {$2000.00} that should have been applied to the XXXX  XXXX. Citi backed divided the payments between my standard purchases and balance transfer that both have 0 % interest rates. This is a breach in their terms and agreements. The {$2000.00} should have been applied to the XXXX XXXX that has the higher APR. I contacted Citi Bank multiple times and the representative did not attempt to resolve the issue. They attempted to make excused on why the could not reflect the changes.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or around XX/XX/2024 I transferred money from my personal account with Bank of America into my auto loan with Bank of America in the amount of {$2000.00}. My account balance was {$11000.00}. The payment rejected on the following day, XX/XX/2024. I proceeded to try and make the transfer again on XX/XX/2024 in the amount of {$2000.00}. My account balance has not changed from the amount stated above. Again the payment was rejected. This caused me to contact Bank of America due to the fact that my payment was due on XX/XX/2024. This was my second time trying to contact someone. The lady on the phone told me that my account was in a collection status, which was shocking to me because my payment was due that day. When I told her that my payments were rejecting and I had the funds in my account, she told me to wait a few days. Two to three days to be exact and call back. Because I didnt want to leave anything to chance, I tried to make the payment again on XX/XX/2024. This time the payment was accepted. I didnt think anymore about it. No harm, no foul is what I was thinking. However, that wasnt the case. On XXXX the XXXX, I started receiving alerts on my credit that Bank of America had updated my account to 30 days late. This totally took me by surprise because I had been calling them and making payments that werent being accepted. So again, I called Bank of America on XX/XX/2024 only to be transferred there and four times and being placed on hold for over a hour with no resolution. What they did is against the law. You can not report an account 30 days late when a payment has been made. According to the fair credit reporting act, it is unlawful to report fraudulent information to the credit bureau. I would like this late to be removed from my credit profile immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX.Transunion, XXXX and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you rove the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the XXXX major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX, Equifax and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you XXXX the following accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital place a hard inquiry on my credit report. This account appears to be a recurring issue that I disputed years ago. Jefferson Capital reported on XX/XX/year> that I opened an account. I never opened an account or did any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear Trans Union RE : Auto dealer Inquiries I am writing about car dealer inquiries date XX/XX/2023. The two inquiries are to be deleted from my credit report are the following : XXXX XXXX XXXX XXXX These two inquiries are non-permissible because the only inquiry that I have an actual account with is XXXX XXXX 

Pursuant to the FCRA, the term permissible purpose is the actual account in relation to the request or the expiration thereof. Dealer inquiries are to be removed because they are considered one inquiry per the credit grantor although multiple requests were states as " soft Inquiries. '' You must delete these two inquiries from my file due to absent written authorization required by law. XXXX XXXX  and XXXX XXXX on XX/XX/2023. 

Regards, 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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase will not let me make trades in my account. When I try, I get an error message saying my account is under review and I can not make any deposits or withdrawals until it is finished. They sent an email requesting information which I provided. They have not sent me another email regarding any information. Even though I asked if there was any further information they need. I got an email saying that my complaint had been closed. I still can not make trades. The only way I've been able to communicate with them is in their chat window on their website. When I type a message it's XXXX to XXXX minutes before I get a reply and I've tried this several times now and they keep leading me in circles and tell me there will be an email soon. I've received no email my account is still closed they have my money I want to be able to close the account and get my money.

Company response to consumer: Closed with monetary relief