vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all XXXX credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute XXXX item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success 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 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Once again NetCredit response to # XXXXis not accurate NetCredit states I opened an account for {$1400.00} but it was never funded I contacted them 3 times because my account shows paid but I never received any funds I have to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: AZ

Complaint narrative:
Trans Union has not supported documentation or responded to my complaint of them falling to abide by the FCRA Laws. I filed a complaint on XX/XX/2023 it has been more then 30 days and per they must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35days ago and you haven't notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed 15 U.U Code 1692e. False or misleading representation- ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed Rewove these accounts ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
( 1 ) Here the important facts : a. I was not informed of the intricate details on expiration of pricing quote. Not even once. 
b. Instead, the loan officer representing Citizens Bank informed me, that the bank is working towards waiving off the 1 percentage point even in XX/XX/2023. Provided screenshots of text messages for your reference. 
( 2 ) The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all for any questions and clarifications, and it was a nightmare for us to complete our closing formalities. 
( 3 ) The Office of the Chairman is lying and hiding the facts, providing false statements about my complaint stating that the Loan Officer communicated to us, that the case was denied. 
( 4 ) This gross misrepresentation of the facts had caused a huge financial loss for me. I would expect that it is fair for the bank to take the responsibility and reimburse. 

The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all, for any questions and clarifications and it was a nightmare for us to complete our closing formalities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 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: TN

Complaint narrative:
For some time I have attempted to correct issues with XXXX XXXX XXXX. This was after I submitted a fraud report. Incorrect information is still appearing on my report. They have claimed not to receive the disputes after they were submitted. The disputes are for identity theft/fraud. The individual listed on the accounts is deceased and has been for decades. I sign my legal documents a certain way and no proof has been given that this was debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: MO

Complaint narrative:
During the COVID-19 pandemic, numerous individuals, including myself, have faced financial challenges due to the economic downturn and various hardships caused by the unprecedented circumstances. In light of these circumstances, it is crucial that accurate information is reported on credit files, reflecting the accurate financial standing of individuals during these challenging times. I am writing to dispute the inaccurate information that has reported on my credit file, which is in violation of the provisions outlined in 15 U.S Code 1681s-2 ( a ) ( 1 ) ( f ) Responsibilities of furnishers of information to consumer reporting agencies which states : ( F ) Reporting information during COVID19 pandemic ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 
The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

President Biden ended the Covid-1XXXX Emergencies on XX/XX/XXXX which means covered period ( bb ) applies in regards to these inaccurate accounts. I attached dispute letter pertaining regarding the account i'm referring to.

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 2023-07-12 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: CA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 15 U.S. Code 1681s2 and 5 U.S. Code 552a, 15 U.S. Code 6802, 15 U.S. Code 6805 THIS IS NOT A DISPUTE.

Im submitting this letter in regards to the negative items reported on my consumer report without my consent. I demand these items be deleted and blocked from reporting and having an affect on my report that Im taking control of from this day forward.

These laws that are attached will help represent me, the living being, not someone who is considered lost at sea.

15USC16930-1 HSR-192 18USC8 12USC411 UCC3-419 UCC1-308 UCC3-603 UCC3-104 31USC23 31USC3123 31USC-5103 XXXX XXXX XXXX. 

XXXX XXXX. 


I do not wish to contract with any of the said above parties, so do the right thing and follow and obey all laws as instructed. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
We financed for a piece of furniture through Conns in XXXX. I have the payments set on automatic. They tried to pull early and it didnt go through due to finances. We did a partial payment because I went into the hospital. They have called me repeatedly every day ( at least 5 times ) from early in the morning to late at night. 

When I answered and told them we cant afford it due to me going into the hospital, and that its set automatically for the XXXX. We can pay then. He said alright but you will continue to get calls until its paid. I asked if he was going to harass me knowing we cant pay and we are set up for the XXXX. He got agitated and said that they will and that its not a guarantee until we pay, so they will call us every day. Its not the first time they harassed us and have even called my work in the past saying that I owe a debt and am not making payments, which resulted in my boss calling me about the issue. I was only a couple of days behind. 
I ended up having to move jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: MO

Complaint narrative:
During the COVID-19 pandemic, numerous individuals, including myself, have faced financial challenges due to the economic downturn and various hardships caused by the unprecedented circumstances. In light of these circumstances, it is crucial that accurate information is reported on credit files, reflecting the accurate financial standing of individuals during these challenging times. I am writing to dispute the inaccurate information that has reported on my credit file, which is in violation of the provisions outlined in 15 U.S Code 1681s-2 ( a ) ( 1 ) ( f ) Responsibilities of furnishers of information to consumer reporting agencies which states : ( F ) Reporting information during COVID19 pandemic ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

President Biden ended the Covid-19 Emergencies on XX/XX/XXXX which means covered period ( bb ) applies in regards to these inaccurate accounts. I attached dispute letter pertaining regarding the account i'm referring to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
On repeated occasions, it was requested that the debt under U.S. Bankruptcies be verified with the original creditor and not LexisNexis. I deny the debt and the entries on my credit report.

1. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of third-party debt collectors. Under this law, if you dispute a debt, the debt collector is generally required to provide verification of the debt and cease collection efforts until the verification is provided.

2. Fair Credit Reporting Act ( FCRA ) : The FCRA governs how consumer credit information is collected, reported, and used. If the entries on your credit report are inaccurate or unverified, you have the right to dispute them with the credit reporting agencies.

Fraud and Identity Theft Under 15 USC 1681b, consumer reporting agencies are allowed to furnish consumer reports to individuals and entities with a permissible purpose. Permissible purposes include : 1. In response to a court order or federal grand jury subpoena.

2. For legitimate business needs related to a credit transaction.

3. For employment purposes, such as when an employer wants to conduct a background check on a potential employee.

4. For insurance underwriting or determining eligibility for insurance coverage.

5. To assess a consumer 's eligibility for a government license or benefit.

6. In connection with a legitimate business transaction initiated by the consumer, such as applying for a loan or renting an apartment.

7. To review a consumer 's account for account monitoring or account review purposes.

I have requested documentation from LexisNexis on what is reported on their report under my name and for removal of a third party report for bankruptcy. I have never received the information. I was told through XXXX that they are the entity reporting the bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
I am showing as an authorized user on someone else 's account ending XXXX with XXXX XXXX and this is being reported on my credit report. I have contacted the XXXX XXXX today XX/XX/23 asked they remove me as authorized user from this account immediately and provided all factual information to verify my identity-the representative failed to assist me and is forcing me to remain on a derogatory account that is reporting on my credit and is not mine. This is causing damage to my credit rating. The account belongs to XXXX XXXX and I am able to view all of his account details on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've been a member of Bank of America since 2010, I'd appreciate if CFBP look into my account to see if BOA double dipped on insufficient 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 explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was repeatedly charged a {$35.00} fee which kept making my checking account at Bank of America low, along with my savings account. I have paid over {$600.00} in these fees since I had my accounts there.

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 2023-07-12 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
THIS COMPANY HAD CHARGED -OFF XXXX OF MY ACCOUNTS BUT FAILED TO SEND ME A XXXX FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS XXXX  YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/, 2023, XXXX XXXX admitted liability in exceeding the XXXX rates of the State of Massachusetts. On XX/XX/XXXX, the CFPB announced an action against the Bank of America. These are money-center banks, with exceptionally first rate people, helping our families and our Communities to even in the midst of the most difficult of times. XXXX remitted interest and fees to be within the XXXX laws of State of Massachusetts and Bank of America should be allowed only the same decision, without monetary penalty or fines. XXXX XXXX and XXXX XXXX  set their own standards by law already. ; I want XXXX to do well. XXXX XXXX also agreed to the following stipulations on a " best effort '' basis. XXXX ) Loans would receive an incentive, provided no deflation, for Gross domestic product creation-measured by the 5 or 6 different Federal Reserve districts the Banks lend in. This incentives loan, equity, and capital ratios to further achieve production, and increases the strength and value of all loans in the loan portfolio. We save ourselves and our Banks if we can increase gross domestic product creation. XXXX ) On a best efforts basis, XXXX XXXX and XXXX XXXX will find a way to help workers with some transportation costs, to get back to our beautiful cities, our XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX. This saves our commercial real estate portfolios. And saves our Banks and our Governments. As Bank of America is essentially of violating various XXXX laws, just like XXXX, I ask that the decision be more searching, not as a fine, but as stipulations on a " Best efforts basis '' to build our economy, our lifestyles, and our work. Bank of America is hard-working and first rate, and I know that the Bank of America XXXX just like XXXX will do this. I ask that the decision as against Bank of America be amended to follow current decisions and that the CFPB obtain from Bank of America the most valuable of all concessions- the best efforts pledge to incentivize whenever gross domestic product creation. Our Country does deserve the independence of XXXX and XXXX XXXX and their guidance, as we restore our Country, our values, and our way of life. Please send me an email when BOA is contacted, please tell them of XXXX. 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