vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

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 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/2023, I called Avant in order to get my payments reduced because of financial difficulties, Ive paid approximately 50 % of a {$10000.00} loan already and looking to reduce the monthly payment amount because of financial hardship. Noting that Ive never missed a payment so far, Avant employee names XXXX rudely tells me that they can not help me and that couldnt get me a supervisor and that even if they get me a supervisor they will tell me the same decision. The conversation was recorded as claimed by Avant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I submitted a request for transfer from my Bank of America checking account for {$4100.00} to XXXX XXXX XXXX XXXX to be deposited into their clients XXXX XXXX account. The money was transferred via wire on XX/XX/XXXX. The money was deposited by XXXX XXXX XXXX XXXX  into XXXX XXXX account on XX/XX/XXXX. The transfer was intended for XXXX XXXX, client of XXXX XXXX. XXXX XXXX XXXX XXXX  has record of deposit of the transfer into XXXX XXXX account. Bank of America submitted a trace and I was informed on XX/XX/XXXX the funds were not retrieved. Bank of America closed the case. Upon my repeated requests the case was escalated to BofA fraud department. XX/XX/XXXX I was informed BofA once again declined further responsibility to reclaim the funds stating the XXXX XXXX XXXX XXXX  has not responded to their inquiries.

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 2023-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, XXXXXXXX XXXX now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with XXXXXXXX XXXX to have the past due payments removed from our credit report, but XXXXXXXX XXXX continues to say their reporting is valid.

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 2023-03-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I contacted Experian via mail several times in XXXX, XXXX, XXXX and XXXX including two complaints I filed with the CFPB about the information they are allowing to be reported on my credit report that is incorrect. I reported a delinquency on my credit report that was fraudulent, and I even gave Experian the correct information. However, they keep saying the information was verified. I contacted the XXXX XXXX, Virginia civil courthouse clerk who explained to me that the information was not correct. 

The information that is reported on my Experian Credit report that is in question is : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Virginia XXXX Phone number ( XXXX ) XXXX Account Number XXXX Balance : {$10000.00} Balance update XX/XX/XXXX The monthly payment is {$1300.00} Past due {$10000.00} Term 24 months The lease was opened XX/XX/XXXX To begin This was a rental property lease for a home that was not rented through XXXX XXXX XXXX. 
The lease amount was {$1300.00} we left the property XX/XX/XXXX because. And as you can see from the attached court documents this is all verifiable. The XXXX Virginia court has a total of {$8200.00} and XXXX XXXX is reporting that I owe {$10000.00} with that amount changing constantly because he adds more money each time he updates this with Experian. Also, Virginia State eviction law does not allow Landlord or property Owners to receive interest on debts after the tenant has vacated. At this point I want the information deleted because Experian has allowed this person to falsely verify this false information for years, I have also reached out to Legal Aid.

Documentation showing Experian 's reporting and Documentation from the XXXX XXXX Virginia Court has been attached showing proof of this huge error.

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
On Friday, XXXX I attempted to withdraw {$1000.00} from Direct Express card to deposit {$500.00} in Comerica account. I was advised unprofessionally by XXXX XXXX who stated she was the bank manager & consistently refused to give me the name of who she reported to. I kept asking & insisting & she finally gave me a name. She said I could not use the indoor banking service, which is always poorly handled having to wait extended periods of time always, because the spelling of my name didn't match. I advised her to check my records upon opening the account & she said it was incorrectly done. I showed her my records from last month from this location, XXXX XXXX XXXX, XXXX, TX without a problem mentioned. She said she decided not to mention anything out of courteousy but I needed to change the " government issued '' spelling to match my other cards. I told her my Texas Driver 's license was a state issued ID but my government issued social security card matched my social security ID information. She insisted that was not sufficient for her & I would not be allowed to handle my banking business except for going outside & drive to the ATM machine. I told her I needed {$1000.00} & she said it could be done at the ATM. The maximum at the ATM was {$800.00} which she didn't specify. I made a second attempt for the {$200.00} & did receive it then. On Sunday, XXXX I went to the location in XXXX to deposit {$250.00}. I withdrew {$500.00} from the ATM using the direct express card & attempted upwards of 5 times, using the same cash from the ATM just received to deposit using the Comerica debit card. The error message stated the cash could not be accepted. My immediate thought was XXXX XXXX had a flag placed on my account to not receive my deposits or transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: NV

Complaint narrative:
I took out a loan last year through a company called XXXX ( loan originator ). The name of the loan was a " Borrow and Grow '' plan. The way the account worked is that once I paid the loan off in full, Iwas to receive my savings account balance upon payoff which as of today is {$1800.00}. XXXX sold my loan to SST in XX/XX/XXXX, and SST became the new servicer of my loan. I paid SST in full on XX/XX/XXXX via ACH debit in the amount of {$2700.00}, this payment paid off my loan. So about 3-5 days later I called SST to request that SST release my savings account funds. The rep took all of my information including checking account number, and routing number and told me that within 10-15 days I should receive an ACH deposit of my savings funds which is being held by a bank in New Jersey called XXXX XXXX XXXX . The deposit has not happened, so I called a couple more timesand was told that it could take up to 21 days and I should receive the funds soon. Well I have not received anything. When I call I can't speak to anyone in the United States. I have to speak tooverseas call center reps that don't even work for SST and a supervisor is never available. I want XXXX XXXXXXXX XXXX to release my savings funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX and needs to be deleted. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquires I did not authorize please delete

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 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently discovered that I am a victim of identity theft. Beginning in XXXX, accounts were being opened under a different variation of my name ( XXXX, XXXX XXXX ) and also an incorrect social security number similar to mine ( XXXX ). I have alerted the IRS and also submitted credit disputes with TransUnion and XXXX. 

On XX/XX/XXXX I sent a credit validation letter via certified mail to TransUnion. According to XXXX, TransUnion received the letter on XX/XX/XXXX. I have not received a response and the fraudulent accounts are still being reported to my credit. 

In XX/XX/XXXX, I submitted a dispute to XXXX as well to inform them of the fraudulent activity on my credit report. They sent dispute results which included the deletion of a few accounts, however, all accounts were not 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 non-monetary relief
Consumer complaint received 2023-03-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've been having a lot of issues with Experian!! Ive sent numerous certified letters with proof! I will not sit back and let my credit score have inaccurate information! I still have an issue with the hard inquiry because Experian reported the wrong credit score which caused me to not get the credit card I deserved and a very high interest rate!! Based off a discrepancies! I will get help from a lawyer to assist me with this process!!

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 2023-03-28 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: TX

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. 

Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX XXXX XXXX , Account XXXX XXXX Account name : XXXXXXXX, Account XXXX XXXX Account name : XXXX XXXX XXXX, Account 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 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 explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was running a credit of {$15.00} with my Capitol One credit card for over 10 months and knew I did not use the card so was not worried about my statements. Then when trying to buy a house I learned from my lender that my credit score tanked because of delinquent payments. Upon review, Capitol One added a membership fee of {$39.00} in XXXX of XXXX, because of the credit on the account that brought my balance to {$23.00}. Not knowing of the membership fee I did not pay the balance. In XXXX the amount I owed climbed to {$38.00}, in XXXX to {$73.00}, in XXXX to {$110.00} and that is when my lender discovered what I owed and I immediately paid it. However, the damage had been done and now I am unable to purchase a home. It was not because of a line of credit the company gave me but because I did not pay a membership fee. No additional outreach was done to me to let me know the fee was accruing interest and my credit score was being destroyed even though the company had my address and phone number. When I reached out to Capitol One yesterday ( XX/XX/XXXX ) I was told to write a letter and they would review it but it would take up to three months to resolve if it was resolved at all. In the meantime, my credit is ruined over a {$39.00} membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: GA

Complaint narrative:
Hi I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX XXXX repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a senior and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX did file with FTC. XXXX has enter a Repo saying XXXX the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.

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 2023-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX XXXX repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a senior and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX did file with FTC. XXXX has enter a Repo saying XXXX the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.

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