vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  # XXXX ) Has violated my rights 2- ( XXXX XXXXT # XXXX ) Has violated my rights 3- ( XXXX XXXX # XXXX ) Has violated my rights 4- ( XXXX XXXX # XXXX ) Has violated my rights 5XXXX XXXX XXXX # XXXX ) Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is a consumer reporting agency who furnishes a consumer report on me. Experian is inaccurately reporting payment history in accordance to the Fair Credit Reporting Act, and Metro 2 Compliance. Experian is reporting the following inaccurately : XXXX XXXX No Payment Data April 2019- 30 Days Late XX/XX/XXXX through XX/XX/XXXX - No Payment Data Reported and then suddenly : XX/XX/XXXX - Charge Off. 

The above mentioned inaccuracies constitutes INACCURATE REPORTING!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a vehicle load through Lightstream ( a division of Truist Bank ). On or about XX/XX/2021 I was diagnosed with a severe case of XXXX. I made multiple attempts to explain my circumstances to Lightstream and they fail to recognize COVID as a pandemic and valid reason. I apparently missed a payment during this time. My loan term is 48 months, I am 17 months into this loan and I have paid {$1600.00} in extra payments and more than half of the loan in this time. I am requesting Lightstream to remove the negative remark from my credit file. Any help would be appreciated. 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
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 I started receiving a XXXX XXXX XXXX of {$44.00} from Capitol one. I noticed the fees on XX/XX/2022. They were charged again in XXXX and XXXX. I called Capitol one to dispute on XX/XX/XXXX and was assisted by a rep. He advised me the was nothing he can due to reverse the charges as directed by his supervisor. He was very compassionate and apologetic as he explained, it was my issue. This began with the website " XXXX '' they offered 2 options Send Money and BILL PAY. I have been paying a bill through this system for years. A tab presented " pay with credit card '', recently. Again, this BILL PAY. The fee is {$3.00}. I paid through my credit card as of XXXX Capitol One added fees without any acknowledgment stating it was a cash advance. It was not. they also recited info on there disqualifications with fees and bill pay was not n that list. They refused to reimburse my fees. This is deceptive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I had a Bluebird American Express XXXX XXXX XXXX. I would periodically load it from another account and I did a series of transactions it to make sure it was loading properly. Eventually it stopped working and I talked to customer service and they told me to call my other bank. Later that day, the account as closed and permanently suspended. I have no way to contact them other than to write them a letter. When I call them I get an automated message that tells me I'm suspended and I'm hung up on. This is completely ridiculous. I have now lost all access to the money in the account and they have basically blocked my number. There is no online customer service. I have no idea how I will get those funds so that's why I am reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been a victim of identity theft in the past. Time went on and I started seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contact each of the Bureaus. Its been well past 60 days and they have yet to correct the this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, 2021 XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been a victim of identity theft in the past. Time went on and I started seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contact each of the Bureaus. Its been well past 60 days and they have yet to correct the this situation. 
XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX BANK XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, 2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted Equifax over the past three month disputing my hard inquiries that are listed on my credit report. They are unable to provide me with the source who reported it. The agencies who are listed have no knowledge of them pulling a hard inquiries on me. 

Inquiry details XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a paid off Car loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from XXXX and transunion credit reports. It also never showed up on 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a paid off XXXX loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from Experian and XXXX credit reports. It also never showed up on 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 explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: NY

Complaint narrative:
I received a letter from a collections agency that I owe almost XXXX to XXXX XXXXXXXX XXXX. Ive never heard of that bank and never taken any loans from it. If this bank has contacted an agency to collect a non-existing debt, then this lender engages in fraudulent practices and must be investigated. I could be just one out of hundreds of scammed people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I obtained a mortgage with America Wholesale Lender on XX/XX/XXXX. The loan was later sold to Countrywide XXXXXXXX XXXX XXXX XXXX which was acquired by Bank of America in XXXX. Even though I have paid off the mortgage in XXXX, Bank of America/Countrywide XXXX XXXX XXXX has not released the lien the company still has on my house. 

I have contacted Bank of America several times in the past to have the lien released. Specifically, I called the company on XX/XX/XXXX, and XX/XX/XXXX, to fax them a copy of the Deed of Trust and a letter from Countrywide XXXX XXXX XXXX XXXX confirming that my mortgage was paid off in XX/XX/XXXX. Until today, nothing has been done on my request and my most recent calls to the company went unanswered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
The above referenced account is currently reporting to my XXXX credit report as a charge-off but also reports a current balance owed. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), creditors are required to promptly update the account balance to {$0.00} after the sale of a debt.

Barclays Bank is in violation of the FCRA by reporting this inaccurate and conflicting information to my XXXX credit report. Barclays has continued to incorrectly update the status of this debt as past due with a balance owed of {$4300.00}. This debt was sold to XXXX XXXX XXXX XXXX and payment arrangements were made directly with the collection agency. The collection account from XXXX XXXX XXXX did not appear on my credit report because payment was arranged directly with that firm. Barclays is also listing the charged off amount as {$3500.00} on the same report that says the balance owed is {$4300.00}. There is an obvious discrepancy with the amounts and account status. Barclays and XXXX refuses to delete this inaccurate and inconsistent information from my XXXX credit report. XXXX and XXXX has already removed the discrepant account information. This inaccurate account reporting is also adding an incorrect credit utilization rate of 110 % to my credit report. Please see attached XXXX reports showing the conflicting reporting by Barclays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights

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