vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
I have XXXX  New Inquiries on my credit report ( XXXX, TransUnion ) that are fraudulent. The companies making the inquiries are XXXX ( XXXX times ), XXXX XXXX, and XXXX XXXX XXXX. The fraudulent inquiries were made XXXX  XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-15 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: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
My account with YAMAHA MOTOR FINANCE CORP has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized XXXX for the same account. I checked my on line account with Yamaha and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and XXXX. XXXX advised I call Yamaha directly on XX/XX/23. On XX/XX/23 I called Yamaha in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Please they keep charging me so much Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 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: DC

Complaint narrative:
The company XXXX has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is a complaint to CFPB Case XXXX. The individual from Synchrony Bank who handled my case was XXXX XXXX, Senior XXXX. I was a victim of an armed robbery and a series of subsequent fraud attempts on my card on XX/XX/, 2022. The card number at the time was XXXX. My current card ends in XXXX. 

After waiting for two weeks using the CFPB complaint service, I received a letter ( attached to this complaint ) stating that I need to have the detective email the Bank. The complaint has since been closed after that response. It has been over a week and counting since the detective sent the email on my behalf. This will make it three weeks total in addition to the months in which I've already been requesting this information through email, phone, and the CFPB. I don't want to continue delaying my request for information to receive key information that can lead to an arrest in the case. I should've had this information months ago. 

I don't appreciate having to hound the Bank 's fraud team for over a year for information on behalf of my personal protection as their client. Every attempt of communication in most cases has been some form of cop out to not serve me ; and it has accumulated to a year worth of fruitless outcomes. 

I am requesting all identifiable information related to three transactions ( two XXXX, one from XXXX ) made on XX/XX/2022, shortly after the armed robbery and assault. The screenshot of the text is also attached. IP addresses, locations, items attempted to be purchased, address ( for XXXX transaction ), and all other relevant information to the extent possible would be greatly appreciated.

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 2023-07-15 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: GA

Complaint narrative:
Requested deletion off credit and havent seen any 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 2023-07-15 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: GA

Complaint narrative:
Requested deletion off credit and havent seen any to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
30DAY EXPIRED XXXX complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF

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 2023-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
30DAY EXPIRED XXXX complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of EDXXXXXXXX XXXX  US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX {$85.00} US Dept of ED/XXXX  XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: LEXISNEXIS
State: AL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: TN

Complaint narrative:
I have written to Transunion on XXXX, and XXXX and I have not received not one reply back about the inaccurate and unverified accounts that is on my credit report. These late payments that are showing are inaccurate, and I have reached out to the creditor and they stated it should not be reporting as a late payment. I have tried to dispute with Transunion over 75 days ago about updating and correcting the accounts due to it be very detrimental to me by defaming my character and not being able to purchase a house for my family. The account is XXXX Account Number : XXXX, and XXXX XXXX Account Number : 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 2023-07-15 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: AL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: IL

Complaint narrative:
I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with TRANSUNION. The account XXXX XXXX is ONLY reporting on my Transunion credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only Transunion and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with TRANSUNION and different information with XXXX AND XXXX XXXX this is a violation.

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 2023-07-15 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: IL

Complaint narrative:
I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and Equifax, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND EQUIFAX XXXX this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A 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 explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
i have a loan with Harley financial davidson. 
i fell past due on loan due to loosing my income momentarily which caused me to fall back on my loan as well as all my utilities and mortgage. i have advised this to them several times. i continue to make payments and trying to get my account current. 
every time they call which is multiple times a day non stop, i call back and try to speak with a rep they always use threats to try to get me to pay. i advise them when i can make an arrangement and they always advise me they cant accept any arrangement. they make threats and tell me if there is a repossession agent out side of my house and or to surrender my collateral. they tell me i have repo fee 's of over XXXX, which is not true i have worked in collections for over XXXXyears and have never resulted to using threats to get a customer to make a payment. repo fee 's average from XXXX {$1000.00} plus whatever the account is past due /and storage fee 's at time of reinstatement. 
they never offer options and or a payment plan to assist in getting current, off the bat when you speak with them its a threat ( we have repo agent on the way to the house or is there a repo agent present ). a company this size should do better in speaking with the customer 's and find out what the reason for delinquency is and offer options to assist a customer get back on track and get the loan performing once again. 
threatning a customer does not make them pay. its coming to an agreement. 
these types of threatning collections need to stop immediatley. this is no way to collect a debt from a consumer. its about rectifying the problem and offering assistance. 
i had a previous loan with them and paid on time with no issues. but me loosing my income momentarily really caused me to fall behind on all my bills. i am well aware of my past due and i will do my best to get caught up so i dont have to deal with reps that use threats to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A 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 2023-07-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
My mortgage closed on XX/XX/XXXX and subsequently sold to Amerihome. Because it was a newly built home, taxes were not yet determined so the initial escrow payments were higher than they should have been. I understood this and accepted the higher escrow payments, knowing I would be getting any overpayments back. 

In XXXX XXXX, an escrow analysis was completed and a refund over {$3000.00} was received. 

On XX/XX/XXXX, my escrow was again over funded by over {$4000.00} so I contacted Amerihome via email to request an analysis as per their instructions. At that point, all bills for the year had been received so all payments were known. Amerihome responded, telling me that I had to hand write a letter requesting an escrow analysis and provide all documentation. They had the documentation in their system and it made no sense as to why a hand written letter was required, other than to give me the run around. When I explained that under the law, they were required to perform and analysis, the response was that it is their policy to require a hand written letter before performing an escrow analysis. 

I am asking for assistance for the quick return of my excess escrow balance and an escrow analysis to be performed in order to align my payments to my actual bills. 

My mortgage payments have always been on time and my account is up to date. 

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