vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX XXXX, XXXX XXXX Transunion ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX XXXX, Equifax XXXX XXXX ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: FL

Complaint narrative:
My car was repossessed back on XX/XX/2022, I paid the balance of {$2100.00} not to the exact I remember to get the car back. I asked the agency were there any repo fees they stated that there weren't any .I also reached out to you guys and filed a complaint against Santander Consumer .Santander also replied back sent a letter that stated that my next bill wasn't due until XX/XX/2022. I made two different payments although they werent exactly on time but they were for the month of XXXX payment. Santander had been calling me repeatedly and I called them and asked them why they kept calling me and thy stated I hadn't paid my XXXX bill because they added it my repos fees and applied it to XXXX payment. The agency never sent me a letter telling me about the repossessions fees I had talked to several agents and Ive gotten different stories .If I go online and pay my car note than it should state that it was going to repossessions fees. I called Friday XX/XX/XXXX and got a supervisor and he argued with me back and forth and hung up in my face. The agency stated that the repossessions fees wasn't showing up because they were waiting for the repossession agency to send the bill this is not how business works.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: FL

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX XXXX XXXX XXXX Account Number : 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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I tried mobile depositing a check for {$2500.00} on XX/XX/XXXX into my account and it got returned citing the bank could not verify the account. I asked a representative to validate the the number on the check was read correctly by the system. They could not do that. I tried depositing the check again and I got an error saying the system can not read the numbers on the bottom of the check even though they are clearly visible. I was charged a {$5.00} fee for something that's likely a USAA computer error and can not get any human validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The following is a simplified version of a very convoluted story : Fifth Third Bank purchased my mortgage from XXXX, a XXXX XXXX roughly in XXXX of XXXX. The management of my escrow account has been a nightmare. I changed my home owners insurance carrier from XXXX to XXXX effective XX/XX/XXXX, informed Fifth Third XXXX Department of this and asked them not to pay the XXXX account, but XXXX instead. I was assured by phone this would happen and not to worry about it. In spite of this assurance Fifth Third paid both policies duplicating my home owners coverage and raising my monthly payment from {$1300.00} to {$1700.00}. This was of course a hardship. I intervened, and after much work on my part received a refund from XXXX. In one of my many calls to Fifth Third XXXX Department I asked for an investigation and explanation of how and why this happened in spite of my best efforts to head it off. I never received my request. In another call the person insisted that the inadvertent payment never occurred! 
As a result, of Fifth Thirds mismanagement of my escrow account in XX/XX/XXXX I requested to manage it myself. To summarize, I ran into a buzz saw of confusing red tape and futile phone calls consuming hours of my time. Amid the confusing fog of many contradictory phone calls, irrelevant letters and emails sent to me by Fifth Third I have been told that I am meet the requirements to manage my own escrow. I have paper copies of all of this and can through documentation of this complaint if required. It is now XXXX and I still do not have control over my Escrow account despite being assured that I qualify. I have spent hours and hours in phone calls, writing letters and emails and get nothing but confusion and then silence for Fifth Third. I want to be released from this nightmare. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
I can not get ahold of the company to varify that my loans qualify for PLSF

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 have reported accounts that do not belong to me, but I did not receive any response from the bureaus regarding their investigation or action.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reported accounts that do not belong to me, but I did not receive any response from the bureaus regarding their investigation or action.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
Someone rented an apartment in my name running up a bull totaling in XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: SC

Complaint narrative:
1. On XX/XX/2022, my identity was stolen and someone opened a credit card with XXXX XXXX Credit Card and maxed the card out using my information. I froze my credit after this occurred ( using online measures and calling the reporting companies ). This issue was resolved and I was deemed not responsible for the activity, at which time, all inquiries regarding the card were removed from all reporting agencies except TransUnion. I am requesting that both of these be removed from my credit report as quickly as possible. 

2. On XX/XX/2022, the same credit card company XXXX XXXX XXXX placed another inquiry on my credit report through TransUnion. This inquiry was not requested nor authorized by me. I have filed a police report for this incident in accordance with guidelines given to me on the phone by the TransUnion representative. I am requesting that this be removed from my credit report as quickly as possible.

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 2022-10-31 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: VA

Complaint narrative:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: VA

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.

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 2022-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The loan on a XXXX XXXX was paid off to Capital One on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, XXXX, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

XXXX, equifax and XXXX are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to XXXX, equifax and XXXX and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, equifax and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX XXXX and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. 

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that XXXX, equifax and XXXX are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for 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 I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, My phone, ID and debit card was stolen, the individual that stole my device gain access to my digital bank card and withdraw over {$2000.00} from a atm then proceeded to transfer money via XXXX XXXX in the amount of {$1600.00} ... That next morning I called the bank and reported my phone and debit card stolen, they did a investigation XX/XX/XXXX and found me liable for the theft of funds, revoked the temporary credit they place on the account and enturn making the account negative and now taking money from my new account to offset the negative account, making leaving me with no money to live with

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 2022-10-31 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: 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. 

XXXX XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION : # XXXX 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 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