vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: 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. 

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 XXXXXX/XX/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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went bankrupt in XX/XX/2020. I have 2 credit card accounts that are showing CLOSED THROUGH BANKRUPTCY, but still shows they were late, negatively affecting my score. I want them removed from my report like the rest of my accounts that were late, but are no longer showing on the report after the bankruptcy. I disputed these accounts multiple times in an attempt to have them removed without success. I contacted the companies and was told they could not remove the accounts. This is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I went bankrupt in XX/XX/2020. I have XXXX credit card accounts that are showing CLOSED THROUGH BANKRUPTCY, but still shows they were late, negatively affecting my score. I want them removed from my report like the rest of my accounts that were late, but are no longer showing on the report after the bankruptcy. I disputed these accounts multiple times in an attempt to have them removed without success. I contacted the companies and was told they could not remove the accounts. This is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 -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 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 -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My vehicle was repossessed in XX/XX/XXXX when I was advised a few days prior to make a payment to keep my account in good standings and I did that. They then repossessed it on a Friday but we picked it back up on a Tuesday morning. I contacted them to pull the recorded phone call in which they declined to do. Its caused an impact to my credit score in which I can not obtain credits or even trade the vehicle in. Ive been unable to work at times due to the vehicle being in the shop such as XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & now again XX/XX/XXXX. Advised this to the financing company even reached out to a lawyer for lemon law to discuss since this vehicle has so many engine issues and if I dont work I dont get paid. They wont help me 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 2022-04-22 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have two XXXX loans that are being serviced by Navient, and per their own website these are federal loans. I have been under an XXXX repayment plan since graduation but this is now the second time that I have been kicked out of the XXXX program and had my interest capitalized. I will NEVER pay my loans off at this rate. They are saying that my loans are actually private loans and that they don't qualify for the XXXX pause. They sent me one letter saying my payment was going up a month ago, and then just after that the student loan pause was extended again. And now when I log into the XXXX website, it shows those Navient loans listed and when I go in to fill out the recertification paperwork for the XXXX it says I'm not due to recertify until XXXX. 

I got screwed over once already a few years ago when they rejected my XXXX application and didn't tell me and I only find out when I see a huge charge on my bank account and find I had thousands in interest capitalize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/22 XXXX  fees of XXXX $ and XXXX $ And XX/XX/22 in the amount of XXXX $ I asked for a refund they werent able to refund it because they say I used too much times to waive the fees

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 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company portfolio recovery has repeatedly called me, my relatives, and leaves threatening voicemails about locating me and getting in touch with my supervisor they have called several of my relatives stating they know their address and will come to see if Im there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: NV

Complaint narrative:
As far back as XX/XX/2021, I've been writing to XXXX XXXX for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!

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 2022-04-22 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: CA

Complaint narrative:
Experian and XXXX are and have been for over 4 years reporting inaccurate payment history of my 'XXXX  '' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. Experian has me making no payments on XX/XX/XXXX and XX/XX/XXXX and XXXX says I made on time paymentsXXXX and XX/XX/XXXX. When I called XXXX today XX/XX/XXXX, XXXX has no record of me making any payment since XXXX. XXXX will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with XXXX as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. XXXX XXXX XXXX, XXXX, and Experian refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.

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 2022-04-22 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXX XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: CA

Complaint narrative:
These accounts do not belong to me and they are severely affecting my credit. They need to be removed.

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 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World finance XXXX called on multiple accounts back to back callas after being told to stop calls over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 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 XXXXXXXX -Untitled XXXX XXXXl Subject has not XXXX XXXX., Collection/Chargeoff, Collection } XXXX -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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXXXXXX -Untitled XXXX XXXX Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2022-04-22 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 item listed below has violated my rights. 

INQUIRIES : 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 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 -Untitled { XXXX Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Property Jointly Owned on XXXX, Hawaii since XXXX. In XXXX and XXXX was a Presidential Declared Disaster Area due to XXXX Hurricane and XXXX Flooding. In XXXX and XXXX CARES/COVID. 

Further to compound things the other individual XXXX XXXX XXXX '' filed XXXX XXXX Bankruptcy which was XXXX on XX/XX/XXXX leaving me solely obligated. 

My main concern on both is that even though XXXX sent in Chap XXXX Discharge info and FED Form XXXX to XXXXXXXX XXXX XXXXx XXXX XXXX XXXX XXXX and to XXXX bank XXXX XXXX XXXX XXXX XXXX - none have updated their records and all still show him as an obligator. This makes funding a payoff difficult as 3 years later after discharge I can not do anything with his name on loan and title. 

We ran a preliminary title report and the State hasn't updated the Deed/Title removing his name either. See schedule J of his filed documents and discharge info sent to them on XX/XX/XXXX from US BANKRUPTCY COURTS. Attached are the US BANKRUPTCY court documents showing notice and showing the approved discharge on XX/XX/XXXX. Please update your records so I can continue to move to avoid foreclosure!

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 2022-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited $ XXXX on my Cash App card at XXXX XXXX, after work I paid my credit card bills with my Cash App card because it has a banking route and account number. At XXXX XXXX  I get a message that credit card payment failed. I looked at my cash app account and find XXXX pending cash withdrawals at XXXXXXXX XXXX XXXXXXXX XXXX minutes apart in the amount of {$210.00} and {$200.00} and contacted cash app in their " chat box '' that XXXX should have cameras at the ATM and to catch this person while transactions are pending, without any response. I emailed cash app and got a response that they do not monitor emails to use the chat in cash app. I declared my card stolen and attempted to call XXXX but no answer. I then called cash app and she gave me XXXX ID Case # 's and said nothing else to do but wait for email and will take up to 45 days to resolve. I had spoke to chat many times with no resolution except that my case has escalated to the email team and they could no longer assist me through chat just to wait for email. This went on for 2 months, emails with no address found returned to me. And with my new cash app card and pin number another attempt from XXXX XXXX, XXXX XXXXXXXX was made on XX/XX/2022. I live in XXXX and have never used any credit card at a XXXX XXXX and my card was not stolen, it has never left my billfold. The Advocate said to get a new card and I said what makes you think I want another card my other cases are not resolved yet and another attempt with my new card can not be disputed because no funds were taken this time. All chats are kept on the app, I have all emails returned to me on my computer. I even wrote a letter to cash app on XX/XX/2022 with no response. I then noted that my statements from cash app stopped at XX/XX/XXXX and asked through chat where is my XXXX to XXXX XXXX statements with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have started a payment plan with the company to continue making payments on my car loan and they are to begin making positive notations on my report to the bureaus. My credit report shows the car remaining in charge off status. I was struggling with payments during the pandemic and still managed to keep the payments going. I would like to have the payments made to the company to be reported to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANDY SPRING BANCORP, INC.
State: PA

Complaint narrative:
Opened a sandy spring bank my free banking account on XX/XX/2022 with an opening deposit of {$100.00} and enrolled in online access. I was called on XX/XX/2022 saying the account was being locked on suspicion of fraud. Online access was suspended. In mid XX/XX/2022 I called again about either unlocking my online account or how my {$100.00} was going to be returned. I was told my account would be auto-closed on XX/XX/2022 and that I would be mailed a check. It is now XX/XX/2022 and I called again as a check should have been here by now. I was told the account was still open and that the {$100.00} was still there and that I would have to come into a branch. A branch is XXXX hours away, this is not acceptable. I have offered to provide any documentation they need to confirm my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22 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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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