vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On 2 separate occasions, XX/XX/2022 and XX/XX/2022 I was solicited to apply for an additional line of credit at conclusion of me calling Bank of America on an unrelated matter. I actively manage my credit and at the time had 6 active credit inquiries on XXXX and XXXX on XXXX and XXXX. I was not actively seeking new credit and one of the reasons was that I didn't want to have any more XXXX  inquiries. On a recorded line I state this and am told that XXXX credit report would not be pulled and I then consent to apply for the card with the caveat that XXXX won't be pulled. I understand that the entire phone conversation to be part of my agreement with Bank of America. I am then declined for credit, which is exactly what I knew would happen, because not only did they not honor the agreement to not pull XXXX they didn't run any other Bureau report, doing exactly the opposite of what they agreed to and compounding the reason for the initial agreement. I called B of A and have filed several complaints after XX/XX/XXXX and was told that I had to file a dispute with the credit bureaus and the credit bureaus have told me I have to have it removed by B of A. With XXXX I tried to dispute this the only way they allow and that is as a fraudulent inquiry, which this is, but not the particular type of fraud their process allows for. I have spent several hours elevating the call after each rep told me there was nothing B of A could do and finally told that someone would call me back ( 2 occasions ) with one rep, after I asked what to do if I don't get a call back from a manager, saying he would follow up with me to make sure that didn't happen. This is such a minor issue ( yet major as it only affects XXXX points on my XXXX  report yet will disqualify me from receiving many types of new credit even though my XXXX  is near XXXX ) that shouldn't have happened, should easily have been able to resolved by listening to their own recording of our conversation, that has cost me countless hours, messed up my financial plans and is not something I would ever have expected from Bank of America ( to be solicited and lied to like an unscrupulous used car seller ). If this ever gets resolved it will probably too late to matter as the damage has already been done and we are coming near the 6 month mark but as a matter of principle I must pursue this and if for no other reason that B of A become aware, if they are not already, that there is a major problem if customers are being intentionally mislead. XXXX should have a process for disputing anything they put on my report that 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 2023-03-13 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: FL

Complaint narrative:
XXXX XX/XX/2023 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated pe

r U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 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 2023-03-13 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 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 explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX  XXXX Balance : {$4800.00}.

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 2023-03-13 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: TN

Complaint narrative:
In accordance with the fair credit reporting act the following accounts have violated my rights : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Repossession of my vehicle. Now they harassing me now that they sold my vehicle and saying I owe so much money

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX was advised to cancel online application and delete my info entirely.

CCPA submitted, XXXX, FDIC, Certified letter and still they opened and Ignored every contact to include documented cease and desist which they have repeatedly violated. 

They reported this fraudulent account to CRAs costing me thousands and countless hours of lost time for which i intend to seek damages for if left unresolved. 

I paid their whopping {$100.00} requested as my attempts to resolve amicably have been undermined at every turn and I never want to hear from this company again

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 2023-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX was advised to cancel online application and delete my info entirely.

CCPA submitted, XXXX, FDIC, Certified letter and still they opened and Ignored every contact to include documented cease and desist which they have repeatedly violated. 

They reported this fraudulent account to CRAs costing me thousands and countless hours of lost time for which i intend to seek damages for if left unresolved. 

I paid their whopping {$100.00} requested as my attempts to resolve amicably have been undermined at every turn and I never want to hear from this company again

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 2023-03-13 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
In accordance with fair credit reporting fact XXXX  account XXXX has violated my right 15 USC 1684 section I have right to privacy 15 USC 1687section 604 A section 2 it also states a consumer furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card open -end consumer credit plan as late for any purpose I don't know how the used my name in on medicine insurance I'm XXXX my insurance pays most my bills I never received a {$2000.00} ever my bills never been over {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Attempted to purchase product from a fraudulent website. Never received item and when looking closer at website discovered it was a fake company that never sent receipt nor product. Bank denied fraudulent request. 

Transaction happened XX/XX/2023 XXXX denied dispute XX/XX/2023 Amount {$87.00} Transaction name : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HW Holding, Inc
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report.Thank you.

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 2023-03-13 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report.Thank you.

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 2023-03-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NY

Complaint narrative:
I signed my XXXX XXXX contract, and received the XXXX XXXX XXXX XXXX contract to enlist into the XXXX to ship out XX/XX/2020. This mean, that under SCRA federal Act, I am entitled to the right of canceling any loans, without penalty while entering in the XXXX XXXX service. I provided the necessary documentation, to the loan company prior to, and called the company over the phone. I was told by the representative of the company, that they were not honoring SCRA, that I was still required to proceed with an ongoing payment while going off to bootcamp for the military. There is XXXX XXXX  as well as XXXX XXXX  that I am requesting be removed from my credit report due to these legal reasons.

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 2023-03-13 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: FL

Complaint narrative:
I RECENTLY VIEW MY CREDIT REPORT AND I CAN SEE A UNAUTHORIZED CREDIT INQUIRY MADE BY XXXX XXXX  ON XX/XX/2023 I WANT THIS IMMEDIATELY REMOVE BY LAW FCRA

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/2022, Radius Global Solutions contacted me by mail regarding a debt from XXXX XXXX XXXX  XXXX that they claim I owe. I sent a certified letter to them asking them to validate the alleged debt by supplying me with all information including the full account number, name, and address of the creditor to whom the debt is currently owed, provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor, and provide verification and documentation about why this is a debt that I must pay. Radius Global Solutions did not properly validate this debt because they did not provide proper verification and documentation that this is in fact my debt. The documentation they did send did not list any current or previous address of mine and did not list the full account number of this alleged debt.

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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-13 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: MI

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 # XXXX and Account 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
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
This is my third attempt to correct this issue through CFPB. Each time Im told by watermark that theyve corrected the error but the issue is STILL not fixed. Ive contacted them directly since XX/XX/2022 several times with no resolve which is why I turned to CFPB. My mortgage was transferred to watermark in XX/XX/2022 it was supposed to take 60 days for credit reporting to update. It did update on XXXX and XXXX but NOT on XXXX. The first CFPB complaint watermark stated they contacted XXXX and it would report in 30 days, 30 days passed and no update. I submitted a second complaint with CFPB, watermark responded it can take 60 days this time. This is my third complaint through CFPB, Im hoping this time they will FINALLY resolve the issue and have my mortgage report to XXXX

Company response to consumer: Closed with explanation