vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.

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 2022-01-02 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: NC

Complaint narrative:
Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Prepaid Mastercard Gift card issued by U.S. Bank National Association expired XXXX No way to use or transfer funds after card expiration date. Company has taken full {$100.00} value in fees and closed account. These so-called " gift cards '' should be illegal.

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 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BoA makes it VERY difficult to make a reg E claim. Criminal!! Im a bank expert and know it shouldnt be this hard. 
They sent me an email, likely fraudulent transaction. It was. So go to mobile banking, low tran business acct. Clearly fraud. 
Tried to dispute via mobile. 
Had to go to internet banking. 
Enter last 6 DC - done Enter TIN - done Then 6 digit code via text - done Then new passcode - done And repeat. And repeat. Stuck in a loop. 
Had to call. Extended hold time. Turns out internet banking uses debit card and since debit card has a hold, you can not dispute on internet banking. 
Frustratingly on hold, message keeps saying you could dispute on mobile or internet banking. Infuriating. 
After 32 minutes hold- spend 15 minutes on a call to dispute an obviously fraudulent set of transactions ; a process that should be done via text or in mobile banking in a minute. 
Seems to me that BofA makes it confusing and difficult on 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 2022-01-02 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: TX

Complaint narrative:
Haven't receive any response from them. It has been over 30 days. this is causing me lots of stress.

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 2022-01-02 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: TX

Complaint narrative:
Haven't receive any response from them. It has been over 30 days. this is causing me lots of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: FC HoldCo LLC
State: FL

Complaint narrative:
this complaint is against flagstar they are breaking facra fair and accurate credit reporting act reported last activity after my car was charged off, i had called loan and told them to come and get car and they waited three weeks to come and take car also on credit report it showing active and showing that last activity was XX/XX/XXXX but they actually took car in XXXX but they finally got car in XXXX, ,i paid all payments on time and voluntary let car go back do to hardship. i was told that case was closed but they still have it open and dates are all wrong they need to correct the dates cause im trying to buy a house now and the date XXXX needs to be changed to correct date... they sold car XX/XX/XXXX after they came and got it in 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 2022-01-02 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: IN

Complaint narrative:
I filed chapter XXXX bankruptcy that was discharged on XX/XX/2021. The bankruptcy is not showing discharged on my Transunion credit report. I was told that it takes 30 days to update and it has been over 76 days ago.

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 2022-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I went to XXXX about XXXX to XXXX weeks ago. As I was at checkout I was asked if I wanted to join their rewards program ( I didnt know this would be to apply for a credit card since the association said it was a rewards program ) so I said yes. She had me fill out some information. After I filled it out she let me know that my application was denied at the moment and that Id get a letter in the mail explaining why. Didnt think much of it until I received the letter explaining why I was denied credit. In my defense I was never told I was applying for a credit card, I was told a rewards program. This is the reason as to why Im reaching out today. I would have never applied for a credit card knowing my current credit score situation.

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 2022-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To CFPB, Bank of America closed my account and refuses to open it, even though I have complied with all of their demands. 
I do not have an ID issue with XXXX. There is no reason for them to keep my funds from me. I fought them on going to the bank with 2 forms of ID because of COVID-19. I have underlying health problems and I have not gone anywhere since the beginning of this whole COVID mess. They said the only way around that would be to have XXXX send a USID form. So I called XXXX and on at least 5 occasions, representatives I spoke to in the ID Department told me they would send that with me still on the phone and it would be instantly available for Bank of America to see and immediately open my account. Bofa denies every receiving any communication from XXXX. 
But I finally went to the bank, because I need money to pay my rent, and not die, so I went to the bank. At the first bank, I spoke to the branch manager that told me they could not verify me as I did not have an account with them, he said they did not verify prepaid customers and to call the number on the back of the card to get verified by phone. I thought that that couldnt be right because they had told me on the phone to go to any branch and they would verify me. So I drove to a different Bofa thinking the branch manager was just misinformed or was just being a jerk, and at the second bank, the manager I spoke to said the same thing. Totally furious, I went home and swore off dealing with Bank of America ever again, on principle. 
But I received an eviction notice today. Fortunately, my brother is sending me money to pay my rent. But he is barely in a better financial situation than I am. I need to repay him as soon as possible so he can pay his rent. 
If Bofa would reopen my account that they closed with no notice or explanation, I wouldnt be having any of these problems. I called Bank of America today and told them I went to the bank with 2 forms of ID and I was told they could not verify me because I dont have an account there. The representative I spoke with on the phone told me he would file a complaint, that the branch manager was misinformed, and to go to the bank with 2 forms of ID. I told him they would just tell me the same thing, and when I call, Bofa tells me to go to the bank. 
Hopefully you see my frustration and understand I have tried every way repeatedly, and the bank wont open my account. I dont know what else to do this has been going on for months. Please help me. 
Thank you for your attention to this matter, 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 explanation
Consumer complaint received 2022-01-02 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: AZ

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attention : XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made XXXX : XXXX Made on : XXXX Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone has taken complete control of my identity .I have been getting Notification that the same companies keep sending credit Bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as if today they have not been able to resolve the issue .Please please help me take back my life this has been a nightmare.

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 2022-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
NewRez Mortgage also known as NewRez LLC has ignored my request to take my account out of escrow, even though my original note never had this as a requirement. I wrote my first letter to them in XXXX of XXXX after my mortgage was sold to them. Unfortunately, this year, they have taken almost {$4800.00} in escrow and although they claim they have paid my property taxes, they have not. As of today, ( XX/XX/XXXX ), they are still unpaid. I have a telephone recording where the representative assures me they were paid on the XXXX of XXXX. As I can see online, I'm not the only person this has happened to. XXXX XXXX XXXX? XXXX In XXXX of XXXX I was suddenly unable to make my mortgage payments online due to an " invalid bank account number, '' even though I have had the same bank account number stored ever since my mortgage was sold to them in XXXX of XXXX. As I suspected, this has affected others as well, as they are charging late fees when customers are unable to complete their payments online. In the same recorded phone conversation mentioned above, I have the same customer service representative stating that on XX/XX/XXXX, someone notated something to the effect in my account that this issue was fixed, however, it was not. I was unable to make my XXXX payment online and had to call to make my payment over the phone. 

This company appears to be profiting off of their dishonest practices of supposed " technical glitches '' that they promise to fix, but do not fix, and all the while they are charging late fees. Additionally, I am ALARMED at the amount of people who are complaining online, ( of which I am one ), about NewRez NOT paying property taxes and/or insurance for which they have collected the money. 

I can not afford to pay my property taxes twice. I am in Texas, and with a property tax bill that is almost {$5000.00}, I would have to come up with another {$5000.00} right now in order to pay again. Additionally, this puts a worse tax burden on me as now my property taxes were not paid in XXXX. Is there anyone who can help me get released from escrow at NewRez and force them to pay my taxes with the money that I have already paid them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this to discuss about how on multiple occasions this company continues to report incorrect personal information about me and won't fix it. I have sent my drivers license, social, utility bill and nothing is ever 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 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: LEXISNEXIS
State: MN

Complaint narrative:
CFPB I asked you to review lexisnexis documents that I received via US mail dated XX/XX/2021 from Lexisnexis, lexisnexis has acted willful and negligent and reckless and violations multiple FCRA laws regarding false credit reporting! Per the FCRA lexisnexis had 15 days to comply with the method of verification as you can see from their company letter head dated XX/XX/2021 you can see they gave a bogus explanation first of all more than 15 days past due is and will not be excepted because the law states in black in white when a consumer asked for the method of verification the credit bureaus have exactly 15 days of date received. And furthermore they did not include specific information that was requested on them. Lexisnexis needs to remove the public records from all credit reporting agencies. Please review CFPB previous documents dated XX/XX/2021 also review lexisnexis response dated XX/XX/2021. Pure violation. Also this is the first time that lexisnexis DIDNOT upload this copy via the CFPB I want to know what do they have to hide. There is clear evidence that they are violating the FCRA I suggest them to stop doing this because I have enough right now to take legal action and if its not removed I will do it plain and simple! Previous XXXX XXXX is showing inaccurate information how are you verifying inaccurate information? XXXX is a 3rd party data system that anyone can purchase to look up information. I have supplied you with proof that its reporting inaccurate. Which puts you in violation of the FCRA for false credit reporting.one more thing before I close Im not a XXXX person is this why you sent that letter dated XX/XX/XXXX. You through you could respond within 30 days but I got news for you the request under by FCRA 611 ( a ) ( 7 ). Is credit bureau must give you the method of verification information within 15 days of your request why on. Please do whats right and remove the public record. 30 days would have put you at or around XX/XX/XXXX to the XXXX is is why you sent this didnt you? 
Again FCRA 611 is 15 days! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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