vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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: NY

Complaint narrative:
On XX/XX/2023, Transunion fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Transunion ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. 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 2023-08-09 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: VA

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. 

I told Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion reporting I filed XXXX XXXXXXXX bankrupcy on XX/XX/XXXX this in correct. my last bankrupcy was XXXX -Discharged XX/XX/XXXX my 7 years from my last fileing will be on XX/XX/XXXX i person can not file that soon there a mix up and causeing me distress call i call in there a communication i cant understand what the customer saying, transunion web site alway malfunctions i cant leave messages or file Dispute.thank you for helping me

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 2023-08-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2023, Equifax fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Equifax ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX Equifax was notified via certified mail to formally investigate all accounts reporting on my consumer report. That correspondence is attached with this complaint. Equifax responded with valid reporting. Another dispute was submitted on XX/XX/XXXX on behalf of XXXX XXXX reporting incorrectly Confirmation number : XXXX. That report came back as updated. On XX/XX/XXXX I called equifax and informed them XXXX XXXX  has sold the account and therefore reporting inaccurately. Confirmation number : XXXX. The agent informed me the account would be deleted. No results were submitted to me upon the investigation. Photo in this complaint. On XX/XX/XXXX another dispute was submitted for inaccuracy and on XX/XX/XXXX the account again was updated Confirmation number : XXXX. 

The account above mentioned has been sold. Reporting as it belongs to me when it has been sold to another entity. I have no knowledge of. Therefore equifax continues to violate my FCRA rights 15 U.S. Code 1681. In the documentation the evidence XXXX and XXXX deleted from my consumer report because the account has been sold. 

I called equifax on XX/XX/XXXX to ask for an explanation on why they continue to break the law. Upon speaking with an agent. Submitting my license via an online portal and submitting a selfie the representative informed me he could verify my identity. Which is frivolous. Equifax is strong arming and delaying the process to hold it accountable for reporting accurately which violates my FCRA rights. Proof of identity, and address will be provided in this complaint to prevent any further delay into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I purchased a home at XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/2021 and put 20 % down. I have no PMI, and want my escrow deleted. I was told I had to wait two years. I requested twice to have the escrow removed. I was told I did not meet the requirement, yet, was not told what was the criteria. I would like to delete the escrow. I believe the company is making money off the escrow and that is why they do not want to remove it from the mortgage. I have the means to pay the escrow on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My identity was stolen and money was pulled off several of my credit cards. Wells Fargo finally refunded all the money back on my card but they reported me as 30 days late and that still has not been removed from my credit report. I cancelled my card out of disgust with them but they need to correct my report.

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 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: IL

Complaint narrative:
In XX/XX/2023, payment arrangements were made with the creditor to XXXX  past thirty day reporting to all three credit bureaus. I explained minimal payments were beyond my control due to COVID related employer polices that took into effect. ALL three debts between XXXX and XXXX were reported with an additional late fees totaling {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I initiated a transfer from Ally on XXXX to a new credit union. The transfer was flagged due to it being in a different geographic area ( I just moved. ) My Ally account was suspended then. I called on XXXX and the suspension was removed, but the transfer never arrived at my credit union per the transfer schedule on posted on Ally. On XXXX, an Ally representative told me that my funds would be at my credit union on XXXX. On XXXX, an Ally representative advised that my credit union had returned the transfer due to insufficient funds. ( Clearly, that is not a reason that a credit union would use to refuse an incoming transfer. ) I talked with my credit union, and they had no record of an ACH in the amount in question or the tracing number provided by Ally. The funds posted back into my Ally account on XXXX, but now my account is suspended again. I have called Ally several times and am always told that the matter will be addressed in 1 to 2 business days. I am now at one week without access to my funds.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased concert tickets via XXXX in XX/XX/2023, which were then canceled before the concert. In the cancellation email XXXX sent me, I was informed that the Bank ( Citi Bank ) would refund me. After months of communication ( via disputes ), Citi Bank ultimately said they could not refund me. I've also contacted XXXX during this period, but they repeatedly said that Citi Bank should be the party to refund me and there was nothing they could do. 

Several disputes were established during my communication with Citi Bank, but all were returned as unsuccessful. Some agents even cited that I was late in providing documentation, but they were all proven to be incorrect. One of the managers I spoke with from Citi Bank said that some missteps by Citi Bank definitely affected the results of the dispute but could not assist further.

I also need clarification on why this was not simply refunded to my account and I even had to go through disputes in the first place. When the vendor canceled the tickets, the total should have been refunded directly.

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 2023-08-09 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: 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: VA

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. 

I told Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Solutions Group, LLC
State: MD

Complaint narrative:
I have written RSG requesting verification of the debt I am being sued for. The most recent letter in the form of an invoice is, to me, an attempt to circumvent the proper process that is legally binding to collection agencies and an attempt to strip me of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have had multiple soft inquiries and a hard inquiry on my credit port that were not authorized by me. The inquiries are affecting my credit score and making buying a home more difficult.

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 2023-08-09 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: NC

Complaint narrative:
I have had multiple soft inquiries and a hard inquiry on my credit port that were not authorized by me. The inquiries are affecting my credit score and making buying a home more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so. 
XXXX XXXX XXXX  - XX/XX/2023 and XXXXXXXX XXXX XXXX ( XXXX  ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it. 

I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit. 

Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.

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 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Everyday for months Transworld Systems INC has been calling from different numbers after Ive blocked them from contacting me. I have already tried to resolve this with their office but they will not comply. Very annoying and I shouldnt be subjected to this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA

Complaint narrative:
I have a mortgage with XXXX XXXX XXXX through XXXX. The structure of my home was recently damaged due to a neighbor / property owners negligence with treating the tree. The tree is dead, and the property owner was notified that the tree was dead prior to the damage to my home. My home is uninhabited and has been for more than a month while I work with my insurer to get the repairs completed. I reached out to NACAs HAND department for help, and the representatives refuse to answer the phone and respond to email attempts. I have called the NACA XXXX Department repeatedly for help, and I have been met with rude and hostile representatives who claim to be too busy to help NACA clients. NACA has refused to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am writing to complain about the premature cancellation of my American Express Platinum Card ending in XXXX. I spoke to an account manager with the name of XXXX and the ID XXXX in XXXX, Florida on XXXX round XXXX XXXX EST. 

He closed my card without fully disclosing that the membership fee of XXXX XXXX  would not be reimbursed. I specifically asked him about that, but he already moved ahead without my consent. 

Because of the missing disclosure, I expect to receive a prorated refund of my annual card membership fee. Since it was only renewed on XX/XX/2023 this would be a value of XXXX XXXX. 

The account manager was not willing to escalate the case to a higher level of support to review the case nor did he offer any accommodation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft. I have accounts on my credit report that I have no knowledge of and I need to have them removed immediately.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft. I have accounts on my credit report that I have no knowledge of and I need to have them removed immediately.

Company response to consumer: Closed with non-monetary relief