vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document

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 2022-03-23 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 : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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

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 2022-03-23 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 : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: IL

Complaint narrative:
EXPERIAN XXXX XXXX not reporting any payment or relevant history for my XXXX XXXX XXXX XXXX Credit Card. This is an ongoing problem and has been happening for at least 6 months despite my repeated requests to have my Credit File updated with the correct information. The Creditor XXXX XXXX XXXX XXXX has asserted that they are reporting the information correctly every month to Experian XXXX  and that this issue is the fault of Experian XXXX 

Experian XXXX is the only XXXX  that is not reporting my XXXX XXXX XXXX XXXX payment information and credit history. All of the other XXXX are reporting the information correctly as required by Federal Statute. 

Experian XXXX is violating my FCRA rights and continues to do so every month to the detriment of my economic life and opportunities. I have attached a photo of my Experian CRA report # XXXX on XX/XX/XXXX which proves that ExperiaXXXX XXXX has done nothing to correct this problem since at least XX/XX/XXXX. 

In reality, this problem extends back months previously to XX/XX/XXXX, and there are many positive Tradelines that are not reporting any history according to Experian. I believe that Experian is deliberately suppressing my positive credit history, while simultaneously correctly reporting my negative history.

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 2022-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We signed a Home Equity Line of Credit with XXXX XXXX XXXXXXXX XXXX ( XXXX ) around XX/XX/XXXX. Upon a recent in-person request at a XXXX branch, XXXX acknowledged that our Loan was sold in XXXX, but unable to identify the true buyer ( s ). XXXX only identified the Service Right for our loan was transferred to Specialized Loan Servicing LLC ( hereinafter SLS ) in XX/XX/XXXX. Shortly after the transfer of Service Right, SLS recorded an ASSIGNMENT OF DEED OF TRUST by claiming to have Attorney-In-Fact status from XXXX  with the XXXX XXXX County Recorders Office in XXXX XXXX based on incomplete, inaccurate information and without competent and reliable evidence in support. Subsequently, SLS recorded a Substitution of Trustee by claiming to have Attorney-In-Fact status from XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX ( hereinafter XXXX XXXX ) also without any proof in XX/XX/XXXX. The ASSIGNMENT was from XXXX to XXXX XXXX and the SUBSTITUTION was from XXXXXXXX XXXX to XXXX XXXX XXXX. We demanded from XXXX, SLS XXXX XXXX XXXX via Qualified Written Requests to provide copies of all sales contracts, servicing agreements, assignments with a chronological chain of custody of each, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney ( XXXX to SLS ), related to our loan from its inception to the current date, but all three ( 3 ) firms failed to comply within the timeline as required by law.

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 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I signed paperwork to purchase a used car from XXXX XXXX in XXXX Georgia. The car had to go through a certified inspection before the dealer could release the car to me. I picked the car up from the dealership on XX/XX/XXXX. I drove the car to the freeway and then returned the car to the dealership. The car was leaking water and started shaking when I put on brakes. The car was returned to the dealer in less than a hour from driving it off the lot. The dealer did not want to take the car back and told me that I would have a car repossession on my credit. I handed the manager the keys and left the car at the dealership. 

My original plan was to finance the car with a loan from Bank of America. I called XXXX XXXXXXXX as I was driving the car back to the dealer, the person could not verify my information and advised me to call back. I called Bank of America back after leaving the car at the dealership. The person I spoke with told me they would put a stop payment on the car and advised me to apply for another car loan. 

The next day, Bank of America called me and told me I may be on the hook for the loan because of the contract I signed. Bank of America advised me to work something out with the dealership. The woman stated that if Bank of America gives the dealership the money, I would be responsible for paying the money back. I do not want the auto loan from Bank of America for purchase of this car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The 3 credit bureaus aren't investigating disputes. I file a dispute about XXXX missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.

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 2022-03-23 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:
I recently checked my credit report and noticed some inaccurate items reporting to my credit report. 

The following inaccurate accounts are XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 

Also there are a few inaccurate addresses as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document

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 2022-03-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of AmericaXXXX XXXX is in violation of " Larceny '', " Breach of Contract '', Negligence of Services '', Corruption, Malicious Acts of Theft located at XXXX XXXX XXXX XXXX XXXX XXXX robbed my account for {$1300.00} after my business debit card got stuck in the A.T.M for 2-3 days at location dated XX/XX/XXXX. I notified them of the error! They lied, using gas- lighting tactics to deprive me of my property from the Larceny since XX/XX/XXXX. My card was operable until I went to that discriminative branch and they stole {$1300.00} from and was told that it would be credited back to my account, which never did. Under CV-012940-21K and Index no.51/22 I seek the payment of default for {$450000.00} to go direct deposit in my XXXX XXXX account 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 2022-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
Williams & Fudge has been attempting to contact me for perhaps a year about a debt that I supposedly owe ; but since they've been leaving voicemail on a phone I rarely use, I've let it go until recently. ( I've blocked the number, but that doesn't stop them from leaving voicemail, unfortunately. ) A month or two ago, they sent me a letter that said I can either dispute the debt ( and gave me several options to check as to why I was disputing it ) or ask for details on the situation. I checked " I don't owe this debt '' ( or whatever was similar ) and attached the slip to a detailed letter saying why I felt I didn't owe it. In it, I stated what I believed the debt to stem from, the fact that they were outside of the statute of limitations in three different states ( the state I reside in, the state the school is in and the state the lender is in ) and the exact legal citations pointing out the statute of limitations in all three. I also said that in the unlikely event I'm not outside the statute of limitations, Williams & Fudge still won't be able to collect a debt off me, as I am on XXXX and only federal student loans can garnish that, not private. I sent the letter and assumed that would be it. 

Earlier this month, I received a large manila envelope ( with no return address ) with a thick sheaf of paper. The cover letter said it was from Williams & Fudge and it was the details of my debt, complete with credit reports for my cosigner and I and paperwork I don't remember signing. ( I, in fact, did not physically sign these papers ; they were marked with a digital signature, so I have no way of proving that they were not forged. ) There was also a pair of affidavits noting that disclosure statements for both my cosigner and I were missing from the file. ( I think this is detrimental, but I can't say for whoit may, for example, state the length of time it takes for the debt to go default, so I may not be outside of the statute of limitations after all. 

I did not ask for this waste of paper ( and it was truly a waste, because there were multiple copies of several things and no clear reason why there was ), and the only thing I learned from itbesides the fact that no one read my letteris that they were pursuing a debt from a different school than the one I wrote my letter about. Regardless of which school, the statute of limitations has expired and they need to stop calling me and sending me junk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
Someone stole my cell phone that was my wallet with all cards and they stole {$7200.00} from my debit card I filed a dispute and rhey denied it when there is evidence of another unknown person using my card per police officer

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted several times to dispute 5 XXXX accounts with TransUnion but I get stall letters of asking if its really me when I have sent information to prove that it is indeed me. Starting XX/XX/XXXX. 

I have had 5 XXXX Accounts reporting negatively on my credit profile since XX/XX/XXXX. I have attached old credit reports from TransUnion to prove this. I need Transunion to cease from reporting on these accounts.

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 2022-03-23 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: CA

Complaint narrative:
I am concerned that my privacy is being violation by Transunion. They are reporting information on my credit report that I never authorized to be 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX at XXXX AM received and email from Bank of America confirming an email " update '' I did not make a change in my email so I called Bank of America. Talked to XXXX she said 2 transfers were pending XXXX and XXXX I asked that she STOP these charges that I did not make them and was told " The are Pending and she could not stop them. She put a Fraud alert on my Account. I have received four letters from Bank of America, going from from crediting my account for the Fraud charges and then " re-investigating saying we are responsible for all the transfers. I have sent two letters asking for information on where this money went and to whom it went to and I haven't received anything. Bank of America has a email in their system that does not belong to me but they will not release to the email. 
I have filed a theft report with XXXX XXXX XXXX XXXX office ( felony theft ) also a report with the FTC XXXX all three credit bureaus and a complaint with Alabama Attorney General Consumer Department XXXX All of this information has been faxed/mailed to Bank of America twice XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) I have called Bank of America five times and get nothing but the " run around ''. I need this resolved. Bank of America is now charging me late fees on money I do not have and did not transfer. Based on past account activity this out of character for me. It should have been a red flag for the Fraud Department having my credit card maxed out with two transfers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/21, My Citi Bank checking account had 2 unauthorized transactions total {$49000.00} ( {$49000.00} and {$450.00} ). I found out the unauthorized transaction on XX/XX/21, and contacted Citi Bank right away to report this fraud. Citi Bank gave me the fraud claim # ( XXXX ) on XX/XX/21. And I reported this fraud to XXXX, and received the complaint # ( XXXX ). 
I already waited almost 4 months, and evey time contacted Citi Bank to ask when can I get my refund back, they alway gave the same to me : the fraud case is still under investigation, no result yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.

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 2022-03-23 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: TX

Complaint narrative:
The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
On multiple attempts I disputed the account on my credit as inaccurated being filed by the collection agency National Credit Systems Inc in the amount of XXXX. This account has been heard before the XXXX District Courts and has been dismissed. In court the amount said to be owed as {$4400.00} but National Credit Systems Inc is reporting an inaccurate amount and verifying it as accurate. I owe no such debt and have not been presented and documents proving otherwise.

Company response to consumer: Closed with explanation