vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was charged for multiple purchases totaling {$9800.00} in XXXX XXXX before I received my card. I was physically located in XXXX with my family at the time as well. I noticed this by checking my balance in the app. I called Bank of America immediately and notified them. They asked me if I would participate in any investigation that would be started. I agreed. They also told me any funds that would be resolved would be deposited into my account. Within the following two weeks the funds were replaced. At no time was I contacted about any investigations or was I informed that these funds were temporary. Later I was issued a notice stating that my disputed had been declined and I could request all information used to come to this decision and I was to pay back the full amount. I requested the decision be reviewed and I also requested all documents available. I have not received any documentation at this time. I have called and further requested the documents and continued to have no communication on this subject. I have received a notice that I was credited {$3.00} for fees associated with prior claims.

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 2023-06-13 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: MD

Complaint narrative:
I recently ordered my credit report and to my surprise there were unknown, names, addresses, phone numbers and charges on my credit report. This is a form of identity theft. Ive reached out to all three bureaus but no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke with an Equifax representative asking why they dropped my credit score XXXX points because a balance on my credit card with XXXX  XXXX bank went from {$580.00} to {$610.00}. I have never seen this in my life XXXX points for {$27.00} increase. I gave the Equifax representative my full name, SSN, DOB, Address, phone number and email address. And Equifax representative refused to give me my credit score or the reasoning for the drop of the XXXX points. In addition, to any other questions that I had regarding my credit report. I spoke to XXXX XXXX XXXX and they told me Equifax is at fault for this XXXX point in my credit score not them. NO OTHER FACTOR WAS THE REASONING FOR THE DROP OFF THE CREDIT SCORE. NO COLLECTIONS ETC...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.

Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

I have tried fixing it with credit bureaus several times. PLEASE DELETE

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 2023-06-13 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: Experian Information Solutions 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 15 USC 1681. 
The letters are stated with items and issues.

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 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 2023-06-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I work with someone to do a settlement on in account with XXXX XXXX XXXX original creditor was XXXX XXXX XXXX for XXXX. I paid a Settlement of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX ( XXXX ) XXXX on XXXX XXXX. This amount has cleared my bank account and i need to be removed ASAP.

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 2023-06-13 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:
The loan was previously written off by another lender and/or servicer. Specialized Loan Servicing recorded a transfer last year ( XXXX ) and started foreclosure proceedings this XXXX ( XXXX ). This account has not been paid for over 16 years and I was told it was written off and it stopped being reported on my credit report that long ago. I have received conflicting information about the transfer and ownership of this loan. I'm now being charged all these years of interest and have a pending foreclosure sale date. I'm current on my fist mortgage which was modified over 10 years ago and at that time this second loan was not showing up on my credit or title.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to XXXX. XXXX closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to XXXX was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked Trans Union to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you 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 2023-06-13 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:
I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX  account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, TransUnion reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from XXXX reporting 180 days late on XX/XX/XXXX. The XXXX report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, XXXX does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.

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 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: OH

Complaint narrative:
I sent 2 payments to my parents in XXXX in XXXX and they held my transactions asking for more information of which they needed the money urgently and I then cancelled the transactions and used another provider. World remit confirmed cancellation of my transactions and said a refund would be issued! 

Its been over 2 months and I still do not have my refund. My bank statement is showing that they took the amount but they are arguing that they never took the funds when I have proof from my account that the money was debited to them. I have called twice already but still my issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Buying accounts that's already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 this particular Bank along with XXXX XXXX in XXXX XXXX Pennsylvania  illegally ran my credit report without my authorization and make note that this was illegally done by a XXXX XXXX XXXX Assistant to whom acted like they were desperate for money and on XXXX. Now my credit is XXXX XXXX with this particular Banks illegal activities

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XXXX  XXXX reported unauthorized enquiry on my credit report with XXXX on XX/XX/XXXX. 

Citizen Bank reported unauthorized enquiry on my credit report with XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: GA

Complaint narrative:
The agencies closed the accounts, but did not delete the accounts, per the request and previous documentation sent over. They only honored the closing.

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 2023-06-13 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: LA

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. 


Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: LA

Complaint narrative:
My car was totaled back on XX/XX/2023. Flagship Credit is the lender and they have been beyond extremely imposible to post payments timely from car insurance and gap insurance. Only continuing to give me the rounds around about payments. They finally posted payment from car insurance but the gap insurance has not been posted. I called gap insurance and they have confirmed that the check was cashed by Flagship Credit and this payment was issued to Flagship Credit over three weeks ago and payment has still not being posted on account. They have even made me pay car note for XXXX even after car was totaled and the finances continue to escalate more and more everyday. I do have all of my emails I have sent to them and every time I do ask a question, they get back with an excuse. This is for sure a company that needs to be investigated because they are definitely taking beyond advantage of consumers that perhaps are not very educated about situations like mine. I would look into the internal aspect of company too. If there is anything needed from my end, please reach out to me directly on the information I have signed up with for this complaint. 

Thank you for your anticipated cooperation regarding this matter and hope to hear from you guys soon. I might have to file a consumer lawsuit if necessary if others have been scammed by this financial institution as well since I do have a lot of legal background experience. 

Sincerely, 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 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: GA

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. 


Account name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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:
XXXX XXXX Acct # : XXXX This is a closed account. 
XXXX XXXX closed this account on their own almost 6 months ago yet they are still reporting a payment status every month for the last 5 months. Before the account was closed it had a positive payment history. How can a closed account still report a payment status? This 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