vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: PA

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 unde

r 15 USC 1681. Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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 2023-05-17 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: PA

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 Account Number:XXXX Account name XXXX XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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 2023-05-17 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: NJ

Complaint narrative:
The Credit Bureaus are still reporting inaccurate information XXXX XXXX as Late & closed When its in time & still open XXXX XXXX as a Repo when Account does not exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
Date Reported XX/XX/23 Collection/ Chargeoff original Creditor- XXXX Responsibility shows as Individual which is incorrect. This was a business transaction that was not transacted using my SS # and not personally guaranteed. I also communicated with XXXX it was causing me a business hardship due to missed calls and dropped calls prior to switching to another provider, and was advised they could not provide me uninterrupted service and This Debt is now being reported by Amsher Collection Services as a Charge off on my personal report. It is also showing age of account with this company as 9 months which is incorrect. 

Company Contact info- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX ( XXXX ) XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

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. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 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 2023-05-17 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: PA

Complaint narrative:
I sent dispute letters to take away the inaccurate information and the credit agencies havent done it, its been over 30 days.

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 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
I applied for a loan with this company, as i have done many times previously. We went through the process of the loan and they asked me to verify my bank account info, and debit card with the last XXXX digits, expiration date, CVV etc., the debit card they were supposed to use was the card ending in XXXX ( please see email attached ), however when the loan was processed, they deposited the funds on to a debit card that did not belong to me. They deposited the funds to a debit card that i used to payoff a previous loan, and not the debit card i provided, that actually belongs to me. The debit card thee deposited the funds to did belong to a family member ( not immediate ) that owed me money-I had an agreement with my family member to instead of send me the money, they would just pay off this loan with their debit card. 

Turns out the person to whom the card belongs to saw the funds deposited and unfortunately depleted the funds and i was unable to recover them. 

Because i never received those funds, it put me in a bind to where i could not pay them back. Now they are threatening to garnish my wages, even though they made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
To whom it may concern, I have repeatly asked for a payoff of te following properties : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX. 
I am forwarding a copy of this letter to CFPBXXXX XXXX and the attorney general of the state of PA. 

I have repeatly been told that I will receive the payoffs the next during a phone call. 

I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Each time I was told it takes 3 to 5 business when tat time has been exceeded and still to this date after 50 days I have not recieved the documentation that I requested and currently a closing for one of those properties is being delayed due to non receipt of the requested documents.

Lastly, I just paid off a property and still show a payment for May? The balance has been reduced but still show a payment due. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
I have been a XXXX XXXX customer since 2023 and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : goodwill & quot ; adjustment to your reporting to the XXXX credit agencies. I have XXXX negative inquiries on the above referenced account that date back to 2023XXXX that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that XXXX and TransUnion is willing to work with me on erasing this negative inquiries from my Credit Report

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 2023-05-17 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 been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : goodwill & quot ; adjustment to your reporting to the XXXX credit agencies. I have XXXX negative inquiries on the above referenced account that date back to XXXXSince that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that XXXX and XXXX is willing to work with me on erasing this negative inquiries from my Credit Report

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 2023-05-17 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: TX

Complaint narrative:
Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax has a credit score of XXXX. It is being reported as XXXX and not a website issue. attempted to call help line and was told there reporting XXXX because of my browser. its not my browser they have no idea what the XXXX they are doing. I was about to sign a mortgage this morning and now everyone at bank thinks I being investigated by feds. They need to compensate for damages for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have tried to solve this problem with the representatives of the bank but have been unable to. 

My daughter was included in my account under my name as a minor. The employer XXXX gave her a bad check dated XX/XX/ and the bank took the money out of her account in full. You are affecting my credit stating that I owe to you {$130.00}, which is not true. 

A complaint against XXXX is open under the XXXX XXXX XXXX in XXXX 

I want to stop the harassing for my person, take my daughter out of my account since she is over 18 and stop with the collections and harassing actions against me. The Florida Statutes 657.023 under Membership ( 3 ) establishes that : a credit union may close the account and terminate the membership of any member whose actions have resulted in any financial loss to the credit union or for good cause. 

On this one, I am referring that all this situation happened and I have explained as a good cause. So, I beg that you take my daughters name XXXX XXXX XXXX from my account and stop damaging my credit and sending me to collections agencies. You took the money completely from her bank account. Stop with the harassment, and damaging my credit. 

Enclosed documentation. 


XXXX XXXX, mother XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent dispute letters to take away the inaccurate information and the credit agencies havent done it, its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I have paid off M & T BANK, but they refuse to offset their books to show my account paid in full on XX/XX/2022. In addition to this Writ of Quo Warranto was sent to XXXX XXXX and XXXX XXXX XXXX. Then recorded on the public record. 
The deed was reconveyed to me and recorded on the record and signed off of by the chief judge and yet M & T and their XXXX partners are trying to disregard all of this and give the false impression that they have a legal interest in the home. Their shadow title and their claim as the principal XXXX XXXX XXXX attorney in fact has been dissolved and recorded on the record Georgia revocation of Power of Attorney. 
XXXX XXXX. is the attorney and debt collection company in this collusive XXXX action. Their CEO XXXX XXXX was also served with a writ of Quo Warranto and he did not answer. He was also sent the recorded revocation of power of attorney dissolving the attorney-in-fact relationship and their fraudulent activity. Seeing that XXXX and M & T refuse to adhere to the law but use a statute ( which is not a law ) to justify their actions I am forced to present them with the attached lawsuit for their criminal activity. XXXX XXXX has been served with a special deposit to access the spendthrift account and offset the account according to the FAS XXXX, XXXX books. I am also ordering the judge to subpoena both sets of boos and all accounts as Banks are known to keep more than one set of books. one liability and one asset. usually, the accounts have no knowledge of the other. So when a complaint like mine comes in they can not fine the offset documented. They will show up in court and sign an affidavit to testify and not lose sleep because they genuinely do not know of the separate books. The other misconception is that banks deal with money... they do not they are in the business of selling securities which begin as promissory notes.

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
This unemployment nightmare with Iowa unemployment and Bank of America. BOA treated me like XXXX. My claims were ignored they shut my account over 7 times after submitting a claim were XXXX withdraw never came out. Both iowa and BoA called me a liar on several occasions, but it was proven by atm provider that unfairly discrimination during XXXX in Iowa. Review attachment. This account has been closed. BOA keeps sending me notices over 2.5 years saying that they final decided to reverse their initial hearing and denying me several claims that in XXXX were denied. They are claiming that a dispute was dated in XXXX. See the statement attached. This has been so horrific and I list my house during all of this. Iowa unemployment is just has guilty.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a checking account and a credit card with Bank of America in XXXX. Around in XXXX XXXX there was some random XXXX cards showed up in my mobile banking which has out standing balance of {$1100.00} and XXXX more with {$800.00} as discrepancy. I called Bank of America customer care raised complaints, raised complaints to fraud department for XXXX years, still I see those XXXX accounts attached to my account and now I was told that I am responsible for those account after XXXX years of continuous complaints which they promised to take care of. 
These accounts were fetched in my background check for my job and raised as concern to offer me job at a esteemed financial sector company. I have all the emails regarding the discrepancy. 
Now I'm not even able to access my accounts online I will get " sorry there is a problem accessing your account '' when I call the bank and they reset my ID and password it work for couple weeks and again I loose my online access. I had to reset my account XXXX 's of times and still the problem is not fixed. 
This is being a problem since XXXX which is never resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
I have reached out to the company Consumer Portfolio Services, to work with me because I am stuck in a loan payment I can not afford, especially since my husband 's health has failed. I have tried selling vehicle to get out from under the debt and refinance to lower payment, but the vehicle was sold to me for XXXX dollars more than it is valued. I have been in touch with them and they say they are working with me and making arrangements and then they go and call my family and friends and call me through my work number when I am not not taking their calls. This is very bad customer service tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.

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 2023-05-17 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:
Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.

Company response to consumer: Closed with explanation