vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

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 2022-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CarMax, Inc.
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There are unauthorized businesses on 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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I placed this order through XXXX for delivery. After placing the order when my alloted time for delivery got near I got emails showing order was delayed this went on for XXXX + hours XXXX chatting with customer service if I could just pick up or cancel the order XXXX promised that it would be delivered within XXXX hours which was pretty crazy since this was actual groceries. I waited and XXXX hours passed I again chatted in and they gave lots of push back for canceling the order but due to the amount of time I had waited they agreed to cancel. Nothing was delivered because it was canceled, the pending charge never dropped from my account so I opened a dispute once it posted. Wells Fargo again denied the claim

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 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
CPFB complaint # XXXX was filed on XX/XX/XXXX regarding this matter. I purchased a car at XXXX XXXX XXXX XXXX XXXX  with a loan from Credit Acceptance Corporation. The car was a lemon and had numerous problems, which caused me to be upside down. I made a decision to have the car repossessed with Credit Acceptance 's agreement. Credit Acceptance never honored the agreement so as of XX/XX/XXXX, I spoke to XXXX in the XXXX XXXX and XXXX at XXXX, extension XXXX, who advised me that the car is noted to have been at the XXXX XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY. Credit Acceptance said that they decided to not repossess the vehicle and that they could not provide anything in writing regarding the account status, the vehicle whereabouts and their decision to not repossess the car. However, they did say the ownership of the vehicle was still mine and that they could offer a settlement of {$2100.00} to close the account. For XXXX years, I have contacted both companies, Credit Acceptance Corporation and XXXX XXXX XXXX XXXX XXXX and they failed to cooperate with me. I have contacted XXXX XXXX XXXX XXXX XXXX multiple times and have been given the runaround. I spoke to both administrative staff and sales managers, all promising that someone would get back to me. On XX/XX/XXXX, a person by the name of XXXX called me and left a message. 
When I returned his call, I was told by a receptionist that he no longer works there. At this time, I do not know where the vehicle is located, and I am afraid the vehicle could be used for illegal or unauthorized purposes. I was advised by my legal attorney to pursue legal action against them, since I still hold title to the vehicle.

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 2022-11-15 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/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 XX/XX/XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : 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, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I paid off Bank of America credit card on XX/XX/2022 and bank is still charging me {$4.00} in interest. Total payments I paid that month was {$4000.00}. 


Thank you, 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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: WI

Complaint narrative:
Received notice of debt from XXXX XXXX  ( Receivables Performance ) on XX/XX/XXXX for {$1500.00}. 
Contact info : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Originally purchased a XXXX & XXXX through XXXX XXXX  that would be added to my phone bill in XX/XX/XXXX. I was told my account was lost on XX/XX/XXXX. When re-opening my new account under the same social security number they couldnt find any of my old information. Then proceeded to tell me I had nothing owed in store. Never received any mail or phone calls of this charge. Assuming if I owed anything theyd update my current account of the balance or not let me open an account until the debt was paid. 

I have no problem paying the balance but it was completely unnecessary and unprofessional for this to hit my credit report due to their failure of keeping record of my account. 

I am still currently in service with XXXX XXXX & my account has never notified me of this old payment.

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 2022-11-15 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: LEXISNEXIS
State: WI

Complaint narrative:
In XXXX of 2022 I started a dispute with lexus nexus to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Synovus Bank
State: AK

Complaint narrative:
First Progress repeatedly mishandled my payments, which were mailed directly from my bank to their address on the statements. They marked me as delinquent for XXXX and XX/XX/XXXX, as well as XX/XX/XXXX, even though I sent payments for all these periods and mailed in proof of these payments. This has severely hurt my credit and I want it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There are unauthorized businesses on 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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
The mortgage servicer Select Portfolio Servicing, Inc. ( SPS ) provided a trial modification dated XX/XX/XXXX. In which the first trial payment was to begin on XX/XX/XXXX. 

XXXX ) Select Portfolio Servicing, Inc, ( SPS ) was made aware on XX/XX/XXXX, that the our financial situation had changed and the trial payment of {$2900.00} would not be affordable and we requested a new review for a lower payment because of the with the current information regarding our lower income. 

XXXX ) Select Portfolio Servicing, Inc, ( SPS ) however provided a denial letter of modification and then stated that would not review the file for a reduction in monthly payment as previously stated. Instead, SPS entered a sale date for XX/XX/XXXX, and continued to refuse any and all options for loss mitigation assistance. 

XXXX ) We however never turned down modification but requested a second review which SPS stated they would provide. SPS stated they would be willing to look at other options However, they have to this date continued to deny any assistance review. I believe SPS has decided to foreclose on our home because they think they can turn a profit and are stripping us of our equity, by forcing a foreclosure sale date. 

XXXX ) The actions of Select Portfolio Servicing, LLC are consistent with XXXX XXXX. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street ReforXXXX and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

XXXX ) SPS has established a history of misleading practices pertaining to CFPB guidelines and Dodd-Frank Act which I have detailed in a Qualified Written Response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Grain Technology, Inc.
State: MD

Complaint narrative:
I filed a police report, disputed with all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have open an account with Citi Bank in XX/XX/2022 and funded with {$75000.00} via ACH transfer from my XXXX bank checking account in early XXXX. On XX/XX/2022, I initiated a transfer from Citi into my brokerage in the amount of {$50000.00}. The transfer was revered by Citi and the account got frozen. I contacted Citi and confirmed the activity, and my account was removed from " hold '' within XXXX XXXX. I successfully transferred out $ XXXX into another checking account. I initiated the same {$50000.00} transfer on XX/XX/XXXX. My transfer got blocked by Citi on XX/XX/XXXX again, and I lost access to my online banking. After contacting Citi fraud department on XX/XX/XXXX, I was told that my account for closed by Citi, and I may or may not receive my funds in the checking account of {$50000.00} by a check via mail. I did not receive any reason for this action, the bank did not have any explanation for the closure of my account. My funds of {$50000.00} have disappeared without any answers. Lastly, I opened a Citi account through a promotional offer and have kept my funds for 90 days, fulfilling all the requirements of promotion from Citi to receive a {$1000.00} bonus. No bonus was granted and my own funds have disappeared.

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