vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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:
I AM RE-SUBMITTING THIS COMPLAINT BECAUSE EXPERIAN APPEARED TO HAVE NOT READ MY COMPLAINT, PROVIDED A FORMATTED RESPONSE, AND DID NOT ADDRESS THE ISSUES OR THE QUESTIONS IN MY COMPLAINT.NUMBER XXXX. 
I have proof in the enclosed document of the following facts : Experian is knowingly and willingly violating the Fair Credit Reporting Act by implementing wrongful policies and procedures that are damaging my credit rating, as well as the credit standing of possibly thousands of people in the United States. Experian is knowingly accepting False or Inaccurate reports from Data Furnishers ( XXXX XXXX ) with the intent and purpose of damaging my credit standing. I also strongly believe that they are working in concert with Data Furnishers to achieve the same purpose. Experian has focused on my credit record with the intent and purpose of causing damage to it, probably at the request of XXXX XXXX, in violation of the Fair Credit Reporting Act, by monitoring closely all my activities and reducing my credit score in an outrageous and inappropriate manner over minuscules amounts of money ( ( {$95.00}, {$160.00} ) that have appeared as balances in my credit card accounts that I have immediately after they appeared or by ignoring major payments that I have made to reduce the balance of Loans of credit card accounts to XXXX, and increase my credit score points as the other two Credit Reporting Agencies have done, Experian is intent on causing damaging my credit record and/or keeping my credit score very low, either by acting on their own or in concert with Data Furnishers , such as XXXX XXXX XXXX XXXX ignoring any positive moves that I have made to my financial status, or by outrageously, arbitrarily and disproportionally reducing my score when they have seen minimal amounts of money as balance outstanding in any bank/financial company where I have accounts open. Experian has, over the past 18 months, has in an outrageous. arbitrary, and disproportionate manner damaged my wifes credit record by lowering her credit score several times without any merit. Experian has wrongfully lowered her credit score that used to be XXXX by XXXX points, because they ( Experian ) took into account only new debt, and overlooked the payments, by the same amounts, that my wife made at the same time.

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 2022-09-15 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 XXXX Account # XXXX, has violated my rights.

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 an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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 an 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 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 non-monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ghidotti | Berger LLP
State: FL

Complaint narrative:
I am being harassed by attorneys of XXXX BANKS that assumed my identity, assumed data information and allowed fictitious loans schemes using my valuations, my property and my identity theft for financial crimes. 

I reported I am victim violated by identity theft fraud of their crimes and contacted authorities regarding fraudulent misrepresentation practices regarding fictitious loans XXXX XXXX, This is the last, and only, time I will address your various filings. They are nonsensical, irrelevant to the pending foreclosure action, and are sanctionable as frivolous pleadings. If you continue this course of conduct, I will seek sanctions. 

Sincerely, XXXX XXXX, XXXX. 
Senior Litigation Attorney Email : XXXX Tel : XXXX EXT XXXX Fax : XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2022 XXXX AM To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : XXXX Bank XXXX XXXX XXXX ; Case No. : XXXX I filed affidavits detailing federal racketeering, plus affidavits for relief due to counterclaim, detailing the public corruption, I filed affidavits for relief and had no response to those affidavits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022, someone used my identity to open two accounts in Bank of America. One account has a balance of {$210.00} as of XX/XX/2022. I called Bank of America but they said they can not find the account. I have never opened any account in Bank of America. I believe this is identity theft.

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 2022-09-15 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: IL

Complaint narrative:
Incorrect inquires on TransUnion credit report. Customer service would not help and take care of the negative inquiries reporting to your credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-09-15 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 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 719transunion has me at a score around 590. 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 XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2022-09-15 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:
Hi I am submitting this 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 719XXXX has me at a score around 590. 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 XXXX  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 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 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I reported a scammed XXXX transfer with Bank of America. There are two transfers, one of the amount {$3500.00} on XX/XX/XXXX, and another of the amount {$400.00} on XX/XX/XXXX. It was a fraud/scam because this was the money for a landscaping contract but the person never had the service done last year because she claimed she was caught by COVID and could not start the work right after the transfer. Then she told me that she would resume the work this year in XXXX spring, but then she never replied my message or call this year whenever I tried to ask when she was going to resume the work. Then I reported this Fraud/scam to Bank of America XXXX and requested for refund of the scammed transfer. However, Bank of America refused to do that and claimed that there is some protocol with XXXX they have to follow. Therefore, I am submitting this claim hoping that CFPB could help facilitate me to get the refund from Bank of America.

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 2022-09-15 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: TX

Complaint narrative:
Filled FTC report sent copies to all three reporting agencies XXXX, Experian, XXXX XXXX is the only credit reporting agency that cleared all of the identity theft Experian, XXXX have not even after I sent copies of the police report to them and told them the personal information other than my name and Social security number was the only correct information they still refuse to remove a false address and a false phone number that was used in a fraudulent personal loan that shows up as an evening evening contact number to be called if someone tries to access my credit and they are unable to contact me at the only contact number I have or have provided to them this number shows up as an evening contact number for me on my fraud protection alert and Experian will not remove this number after I demanded they remove it immediately and they are also saying that several of the creditors are reporting the false name address email phone numbers etc as being being correct when they were falsely given to the creditors to obtain credit cards and loans and the two credit Bureaus in question deam them to be correct according to their investigation and they are not

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account has been frozen for 2+ months now with upwards of XXXX dollars, that I can not access since XX/XX/22. I deposited a cashiers check into my branch in person, which was an inheritance from my grandmother ; it was assumed by the bank teller that it was fraudulent ( which it in fact is not, and has been verified and confirmed since this assumption ). 

Because of this, the bank [ Citibank ] restricted my account completely, and told me, in writing, that I would receive the totality of my funds and regain access to my account in 5 business days. However, the day I left the bank I had no access to any of my funds, not even what I originally had before the check was deposited. 

So the bank closed my account in suspicion that my check was fraudulent, and by the time it was confirmed to be legitimate, the bank teller had already assumed it wouldnt be ( I dont know if its because of the fact that Im XXXX XXXX ), and closed the account without confirming the validity of my check. And now the check has been confirmed to be deposited, and is just sitting in the account I cant access. 

Since my bank has been closed, I have missed : - My life insurance premium payments that I can not miss, something Ive paid on time every month for the last year that affects my future funding & credit history - my medical expenses, & have had to postpone numerous doctors appointments since I have no access to my funds, furthering XXXX XXXX Ive already had for months that Im forced to wait for now since I cant access my account- I can not pay off the remainder of my debt from my other bank, negatively affecting my credit score while Im looking to rent an apartment in the coming months - Im self employed, & my entire business can not be sustained as I can not pay for my access fees, nor can I show any of my customers what they have access to, in turn causing customers to leave my business, as well as me not having access to multiply my money, which was/is my only income source. 

- I can not purchase a car, which I need for my job Im planning on getting, as well as emergency transportation for my family.

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 2022-09-15 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: NV

Complaint narrative:
The Credit bureaus stated that my account with XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C ( A ) ( 5 ) 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 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2022-09-15 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I tried make payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
The money was withdrawn from my account by the bank, and still they marked my report 30 days late. I was NOT late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to Credit Karma I dont know what to do because its stressful when ur trying to build ur credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
Unauthorized credit inquiries experian continues to allow someone to keep applying for credit under my name. I have been requesting unauthorized credit inquiries to be deleted and getting no where. Im requesting experian to remove all u authorized inquiries that I attached in the attachments section that I highlighted I. Yellow.

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: VA

Complaint narrative:
I have been approved for financial assistance for my mortgage from the federal Homeowners Assistance Fund, more specifically, the Virginia Mortgage Relief Program, or VMRP, which provides assistance to homeowners experiencing delinquency due to a financial hardship as a result of COVID-19 to help address mortgage and/or other qualified home ownership-related delinquencies to avoid default, foreclosure, or displacement. 

The program has reached out multiple times to First Home Mortgage Corporation ( my leinholder ) to verify the debt and get the funds to pay my back mortgage sent to them. First Home is not responding and when I call they make note on my file but have not followed back up with them. The money is ready to be sent but First Home Mortgage is not cooperating with the federal program which will pay my delinquencies.

Company response to consumer: Closed with explanation