vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: CBC Companies, Inc.
State: MI

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions. 

To Add the company XXXX XXXX claims to report accurate information, but according to the 2/4 of Credit Agencies Experian, and XXXX, there's no record of the alleged auto loan. It seems as if the alleged auto loan is ONLY REPORTING with XXXX credit agency in which is XXXX who's refusing to update accurate information. XXXX XXXX is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NY

Complaint narrative:
I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX  ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX, I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NY

Complaint narrative:
I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.

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 2023-05-04 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: MI

Complaint narrative:
I am a member of PDCU and they continue to show me reasons why I should leave. In late late last year, I took out two small loans. The were both paid on time and paid off. They were paid off in XXXX of this year. To date, they both still are reporting inaccuracy on my credit report, as open trade lines, which they are not. I have called the credit union, 5 times trying to resolve this but I simply get nowhere.

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 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
We had a loan modification done on our Mortgage. We went the the office of BOA with all the managers and other workers in presence of us signing the new payment and balance. They ( BOA ) proceeded to add on a balance of $ XXXX. Onto the end of our mortgage. Notification, reason. We have all our documents from that day with all the witnesss present and they had to sign. No where on it does it have the $ XXXX on it. They also sold our loan to XXXX XXXX. They are a debt collector. We are no longer behind on our payments. The only thing showing this money we owe that is NOT on our original modification Documentation. 
What are our options? 
Thanks Im advance 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 2023-05-04 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: NJ

Complaint narrative:
XXXX, Equifax, and XXXX have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ). 

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Received email stating an account was opened with my name and email address with bank of america

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 2023-05-04 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: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The Car was totaled, insurance company paid 95 % of the loan. Resting amount since i had no gap was XXXX. I made a payment plan to pay off at XXXX per month. So it would give me time to atlease save for another vehicle. For my understanding the payment plan is to pay off past or future due amounts in payments. ( Witch i think is accurate ) and they agreed. XXXX payments have been made. But the company after 1 months still decided to mark my credit as DELINQUENT for the pass due amount. My credit score when down XXXX points. Is this Legal?? If i made the payment plan why would they still send me to credit??? I want to report this company as a misleading and a Scam. They do not help out with credit at all.

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 2023-05-04 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, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated 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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.

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 2023-05-04 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: FL

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 XXXXXXXX, 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 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 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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On the XXXX of XXXX, I deposit a check for {$330.00} into my XXXX XXXX  checking account from another institution ( XXXX XXXX ) through the ATM, on the XXXX of XXXX I received the check as a returned item ( the check was returned for NSF ) the same day XXXX XXXX  took the funds of {$330.00} from my checking account to cover the returned item deposit. On the XXXX of XXXX XXXX XXXX  withdrawal again another {$330.00} from my checking account for the same returned check of the XXXX of XXXX. On the XXXX of XXXX, I contact XXXX XXXX  and inform them of both withdrawals and it should have been only one withdrawal. The customer svc rep files a paper credit adjustment and inform me that in two business days, I will see the credit in my account. On the XXXX of XXXX, I contacted XXXX XXXX  again questioning why the credit is still not showing they inform me by the end of the business day I would see it in my account. On the XXXX of XXXX, no credit was yet in the account and I contact XXXX XXXX  again, they are stating the department that review these transactions had no answers, and they will forward this to the manager dept. They also inform me a manager will contact me as of today XX/XX/XXXX no one has contacted me back and I call again and no answer and no credit on my account. I have been waiting for this money to pay my XXXX rent. Please help me! I m not getting no answers from the bank and no money back. Your help will be appreciate it!

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
hi, I called the bank to request a new pin for my debit card ending in XXXX but on customer service they coulnd due error on the system trying to send me a passcode to my phone, in the past I never had that issue because they tried to send me a PUSH notification to my phone or a passcode to my email. 
Im not US citizen and resident, I live in XXXX and I dont have any travel plans to the USA to fix this. 

I also requested a XXXX to avoid this issues in the future. 
Please proceed with a new pin to my mailing address on profile and also the secureid requested trough the online baking without delays and bureacracy. 
Thanks

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 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Comerica
State: NJ

Complaint narrative:
On XX/XX/23 I made XXXX transfers from my Comerica Direct Express account, to my bank XXXX XXXX or XXXX XXXX 

One was for {$100.00} and then {$780.00} moments later. Neither transfer has arrived despite posting to my direct Express account yesterday. My $ is lost in space somewhere. I called Direct Express customer service line at least 10 times yesterday and today, and each time the automated system hangs up on you due to " high call volume ''. 
I finally dug around the internet and contacted a representative from Comerica Bank. They could not provide a trace id for the two transactions. I asked why and was told that the transfer would take 5 business days. 
Let me assure you, nowhere in their online literature does it say it would take 5 days. In fact, it claims 2 to 3 days.

I have NO recourse. There is no trace id and I can not get through to customer service. 
I contacted their complaint line and made a complaint. I'm told someone will return my call within 72 hours. 72 HOURS. 
THIS $ $ THAT I TRANSFERRED IS ALL OF MY MONEY. IT IS MY MONTHLY SOCIAL SECURITY DEPOSIT. 

Now, in addition, my rent e-check bounced. I anticipated having the funds available today. At most tomorrow. 

Help me. Make them accountable. I am attaching the helpful phone # s I called in order to get an answer since their customer service line DOES NOT answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Good morning, Attached you will find a letter dated XX/XX/XXXX, MOHELA 's response to my previous complaint filed in XX/XX/XXXX. To date, my loans have still not been forgiven. It has been 182 days/6 months since this letter. I reach out to MOHELA on a regular basis regarding the status of my forgiveness, and I continue to get conflicting information. Earlier this year, I was told that my application did not go through until XX/XX/XXXX. I have been told that it could be any day now, and I need to be patient. The most frustrating was when I reached out today and was told that my application was not processed until XX/XX/XXXX and I will have to wait ANOTHER 90 days. When I asked about why this happened, I was told it was some sort of discretionary review by MOHELA. I really do not understand what is going on and why my loans have not been forgiven, and why MOHELA continues to give me conflicting information each time I call or chat. 

I applied for loan forgiveness in XX/XX/XXXX before my loans were transferred to MOHELA from XXXX, so it has been 9 months since my application, and my loans still have not been forgiven, even though I have met all the requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TN

Complaint narrative:
Since XXXX I have been mailing TransUnion certified letters ( see attachments ) requesting that they correct blatant inaccuracies and incomplete information on two XXXX XXXX  accounts which they continue to post to my TransUnion credit report. Now despite my letters and contradicting information provided by the original creditor, TransUnion continues to refuse to correct their errors and have only responded by stating that the incorrect information is verified. The incorrect information as of XX/XX/XXXX is : These acccounts are being reported as charge offs even after these accounts have been paid in full and discharged by XXXX XXXX  with issuance of 1099Cs ( see attachment ), the status of these accounts should be closed/paid in full, 2. ) These accounts are missing Payment History, one from XX/XX/XXXX to XX/XX/XXXX and the other from XX/XX/XXXX to XX/XX/XXXX, XXXX. These accounts are not reporting the Date of Last Activity nor the Date of 1st Delinquency, and 4. Without those dates, the Drop Off Date is incorrect.

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 2023-05-04 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: NY

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 : XXXXT XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : 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 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 2023-05-04 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: NY

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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : 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 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