vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: MD

Complaint narrative:
On XX/XX/XXXX, I recent a hard inquiry on my Equifax credit report from XXXX XXXX that I did not authorize or give consent. I later received a letter around XX/XX/XXXX from XXXX XXXX in regards to completing my credit card application. I contacted XXXX XXXX XX/XX/XXXX and informed them I did not authorize a credit inquiry or submit an application and this was a fraud attempt to acquire credit under my social security number. The bank closed the application and told me that a notification to remove the hard inquiry was sent to all three credit bureaus. Due to the fraudulent attempt on credit report, I initiated a Fraud Alert and credit report freeze at all 3 bureaus. I have been submitting a dispute regarding the hard inquiry on my Equifax report alerting the bureau of the fraudulent inquiry everyday that keeps getting rejected or closed within hours after the dispute was initiated. I did not authorize the hard inquiry shown on my Equifax report from XXXX XXXX XX/XX/XXXX or at any time. This is a fraudulent attempt for someone to obtain credit falsely under my social security number and this inquiry should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX Bank of America closed all my accounts for a risk factor that wasnt explained.

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 2023-01-28 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: Advanced Resolution Services Inc.
State: OK

Complaint narrative:
XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CBC Companies, Inc.
State: OK

Complaint narrative:
XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: OK

Complaint narrative:
in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
In accordance with the Fair Credit Reporting act XXXX Account # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX Acct name 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 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 non-monetary relief
Consumer complaint received 2023-01-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX Acct name 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
At the moment all I can say is that I know who ( which ) XXXX  community organizations in XXXX XXXXXXXX XXXX XXXX help me with my XXXX XXXX XXXX XXXXANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK XXXX  OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS XXXX MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, XXXX XXXX XXXX XXXX XXXX XXXX  This has been going on since XXXX - XXXX ( {$550.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: LA

Complaint narrative:
on XX/XX/2022 I sent in dispute requesting and investigation of the items they said were verified by creditors it has now been way over XXXX  days and I they have not supplied evidence of the supposedly verified account. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over XXXX  days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.

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 2023-01-28 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: ID Analytics, Inc.
State: OK

Complaint narrative:
in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
My mortgage is being transferred from XXXX XXXX to RoundPoint Mortgage Servicing Corporation and I have not received notification or instruction from RoundPoint Mortgage Servicing Corporation. I am filing a complaint and requesting assistance because RoundPoint Mortgage Servicing Corporation the effective transfer date is XX/XX/2023. 

I am requesting that RoundPoint Mortgage Servicing Corporation provide notification and instruction concerning my mortgage transfer.

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 2023-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Dividend Finance Inc.
State: FL

Complaint narrative:
This complaint is in regard to a solar & LP backup generation project loan for {$70000.00}. On XX/XX/XXXX I signed a financing contract with Dividend Solar Finance LLC ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX ) to finance my project with XXXX ( XXXX XXXX Located At : XXXX XXXX XXXX  XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX License No. : XXXX XXXX ). I have been in constant contact ( 10+ phone calls and emails with details of my complaint ) with Dividend since I received their errant notice of project completion and repayment initiation on XX/XX/XXXX. This notice of completion was fraudulently filed by XXXX ( contractor ) with Dividend to get paid for a project that they had not satisfied the terms thereof. XXXX XXXX is aware my concerns and has not taken action to correct the issue. I have documentation to support my effort to resolve this issue and XXXX has not attempted to resolve the issue, complicit allowing the unfinished contract to continue, knowing they have fraudulently submitted for, and been paid by Dividend. Dividend is located in California.I have been clear that we have not satisfied the terms of the contract for repayment to begin as my project is still not completed as of the date of this complaint. The is the first of many agency complaints I intend to raise with ( California, Florida & federal ) in regard to XXXX & Dividends fraudulent practices. No lawsuit has been filed yet. and I have not retained an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
I submitted this complaint on XX/XX/XXXX on this very same portal against Trans Union for reporting a bankruptcy after US court said they do NOT send info to credit agencies! I also filed the complaint with the XXXX same day and got a letter from them on On XX/XX/XXXX saying they were investigating and it could take 30 days cool. Funny enough I get another letter datted XX/XX/XXXX ... from Trans Union saying the furnisher ( which correct me if I'm wrong is US Court ) verified it as accurate. Please make this make any type of sense! Trans Union is blatantly LYING and what type of investigation took 5 days only to complete that involved contacting the government?! Want to know what I think? I think Trans Union has people in front of a screen that don't know the law and just push files! I demand now that they delete this bankruptcy unless they can now tell me how and with whom they " verified '' this account with I need to know when and the name of people they spoke too. They can just run down their specific procedure for verifying while at it because I'm finding it hard to believe that they spoke to US Court and ANYONE there release any of my private information but if so please give me all the details! CFPB has been a great resource of information I even read here about XXXX XXXX data breach and unethical stalling tactics which I found to be interesting and potentially helpful. Sending this to my state councilmen at this point Trans Union thinks they are invincible

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 2023-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am XXXX XXXX behind on my car note but have been making payments every XXXX in an amount in excess of what my XXXX payments are in an attempt to slowly catch up. I have requested Bridgecrest to no longer harass me all XXXX but they call XXXXXXXX XXXX XXXX XXXX XXXX XXXX filling my voice mail box, and disrupting me while I am at work. They call from different numbers every time as well, so blocking does no good. I am exhausted with them and can not have them disturbing me at work anymore. I would provide specific dates, but it has been happening every day for the pasXXXX XXXX XXXX, every day including weekends. I get calls as early as XXXX XXXX, and as late as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NC

Complaint narrative:
Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : XXXX  This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.

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 2023-01-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to XXXX to review my credit and found a loan for over {$68000.00} with Toyota Motor Credit. I've never taken out a loan with Toyota Motor Credit nor do I currently have a vehicle with a lien against it. I contacted XXXX and Toyota Motor Credit on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, AR ) where I believe my identity was used to purchase the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
In accordance with fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This company does not allow grace period to make payments. If you do not pay on due date or pay less then amount owed they make your account late.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
they are trying to collect money for TD bank retail store cards. never had an account with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive Done just about everything to remove this Fraudulent collection and its still showing up! Ive contacted the Original Creditor, Filed FTC & Also 2 CFPB reports/ Upload copys of Reports to Experian/XXXX and it continues to update every month its been 2+ years since Ive been trying to get this resolved WITH XXXX XXXX XXXX and using further measures moving forward. This collection has been hindering my Credit building and is frustrating because nothing seems to get done after Im told to follow certain steps to get 0 results!!!

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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The bank accused me of being a collaboration with " Scammers '' which I was not. Closed my account with not time to give me to apply for an account at another institution. Considering half of my funds went to that bank and at the time my son 's also. After all was said and done Wells Fargo hit me with over {$10000.00} in fees and charges. Which I still have not paid to this day. Caused me undue stress and anxiety. Yet the account I opened to send funds to was compromised before I even got 1st deposit. No one knew of this account. It was only opened for 2 weeks before someone tried to steal $ XXXX from it which wasn't even in account because just opened. I only found thus by an article. So if there is further information you need that I couldn't provide at the time of this complaint filed please feel free to contact me at phone number or email

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 2023-01-28 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: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
The validity of this account is in dispute and this is not an acceptance or ratification of the claimed debt. I have received no verification of this debt. The federal debt collection practices act gives me the right to demand full verification of this debt. If I do not receive verification of this debt within XXXX  days I ask that this inaccurate debt be removed from all my credit bureaus immediately. To my knowledge there is no outstanding balance at all with the alleged parties and XXXX and if there is I am requesting proof from the original credit with my signature of this debt in the original amount of {$290.00} in the aforementioned date of XX/XX/2022 and if any of this information is proven to be inaccurate I am requesting immediate removal of the inaccurate data from my credit reports. Lastly, if this is valid debt I would like the original contract of the debt, the creditors contact info, and proof that this agency now owns the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have previously filed a complaint on this same issue previously. Nelnet is still reporting 120 days past due on my XXXX credit report. Account # XXXX. This account was opened on XX/XX/XXXX, it was last updated on XX/XX/XXXX negatively. I previously requested for this item to be deleted. This is a old trade line, yet this item is affecting my credit score. I made contact with Nelnet, regarding this account I was provided no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A negative entry from XXXX XXXX XXXXXXXX XXXX XXXX I have been working with XXXX XXXX to get inaccurate entries investigated and removed from my report. After an investigation was conducted by XXXX XXXX the Foreclosure submitted by XXXX XXXX XXXX XXXX XXXX was removed, however Equifax and XXXX still has the entries on my credit report. I sent a request through CFPB on other inconsistencies and questionable entries on my report that still have not addressed. I would like them to explain in detail how the XXXX XXXX XXXX XXXX can remain on my Account when it was removed by XXXX after they conducted an investigation. Why should there be 3 different finding from each Credit Reporting Agency. This ends up causing problems for the consumers and ends up causing more inaccuracies. Why are there 3 credit reporting agencies anyway? Trying to clean up the inconsistencies between 3 agencies are costing me a great deal of money and is making matters for me worse.

Company response to consumer: Closed with explanation