vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Between XX/XX/2023 and XX/XX/2023, your XXXX/CITY NATIONAL BA mortgage balance increased by {$1900.00} from {$320000.00} to {$320000.00}. 

account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I leased a XXXX with XXXX XXXX XXXX in 2017, the car was returned at the XXXX dealer two years later and XXXX paid off the balance. They original said that there was a balance for wear and tear. They never sent me a final bill of the wear and tear in spite of my requests. This was all during the pandemic, I reached out to them many times and no answer. Now they are saying that it was an early lease termination which is also incorrect. I recently leased another XXXX and it is finance through them and I had no problem getting approved. I have disputed this with the 3 bureaus and they are refusing to remove this negative rating which is affecting my credit and it is unfair and unethical of XXXX. I have finance 4 new cars after this and I have had no problem. I need you to please help me resolve this issue and have them correct their 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is ignoring their obligations under 15 U.S. Code 1681s2. For account ending XXXX aka card number ending XXXX, XXXX XXXX decided to mark the account charged-off beginning XXXX XX/XX/XXXX, yet the account was alleged charged-off on XXXX XX/XX/XXXX. The Date of First Delinquency would thus be within the nexus of the XXXX XX/XX/XXXX. Yet, the data XXXX is supplying to XXXX indicates the account would continue on-record into XX/XX/XXXX. That date is beyond the 7-year period and indicates the date of first delinquency is reported on or around XX/XX/XXXX, instead of a date within 150 days BEFOR XX/XX/XXXX. Moreover, the same issues are evidenced in the data XXXX is reporting to Equifax, as Equifax has consistently received updates from XXXX, in which XXXX claims the Date of First Delinquency is XX/XX/XXXX. It should also be noted the XX/XX/XXXX date is NOT supported by the payment history furnished to the CRAs by XXXX, with both Equifax and XXXX showing the month of XX/XX/XXXX " paid on time ''. Thus, XXXX is supplying false/misleading/inaccurate information it knows, or has reasonable cause to believe is incorrect. In their response to { XXXX, XXXX and XXXX }, XXXX reerences the table supplied in response to XXXX, alleging the account is being reported as " accurate '' because it is consistent with the table of information provided. Yet, the table provided itself shows an alleged past-due payment that was thirty ( 30 ) days past-due in XX/XX/XXXX, and miraculously one-hundred twenty ( 120 ) days past-due for the month that followed, making a difference of ninety ( 90 ) days past-due over one ( 1 ) billing cycle.That payment history on its face is false/misleading/inaccurate. XXXX has engaged in acts and practices that are unfair, deceptive, and abusive and has sought to cover their XXXX by providing contradictory, misleading, inchoate statements in response to CFPB complaints. There is nothing lawful about their behavior and XXXX needs to take accountibility for their own incompetence instead of trying to justify incompetence and punsihing a person with a documented learning XXXX that has been afflicted with XXXX ( also XXXX ) during this entire ordeal. It would appear to be " XXXX. XXXX '' providing the BS in the XXXX XX/XX/XXXX response and then copying the same XXXX into the XXXX XX/XX/XXXX response. Each person touching the account during an " investigation '' has provided their own spin on XXXX which has been contradicted others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is ignoring their obligations under 15 U.S. Code 1681s2. For account ending XXXX aka card number ending XXXX, XXXX XXXX decided to mark the account charged-off beginning XXXX XX/XX/XXXX, yet the account was alleged charged-off on XXXX XX/XX/XXXX. The Date of First Delinquency would thus be within the nexus of the XXXX XX/XX/XXXX. Yet, the data XXXX is supplying to Experian indicates the account would continue on-record into XX/XX/XXXX. That date is beyond the 7-year period and indicates the date of first delinquency is reported on or around XX/XX/XXXX, instead of a date within 150 days BEFOR XX/XX/XXXX. Moreover, the same issues are evidenced in the data XXXX is reporting to XXXX, as XXXX has consistently received updates from XXXX, in which XXXX claims the Date of First Delinquency is XX/XX/XXXX. It should also be noted the XX/XX/XXXX date is NOT supported by the payment history furnished to the CRAs by XXXX, with both XXXX and Experian showing the month of XX/XX/XXXX " paid on time ''. Thus, XXXX is supplying false/misleading/inaccurate information it knows, or has reasonable cause to believe is incorrect. In their response to { XXXX, XXXX and XXXX }, XXXX reerences the table supplied in response to XXXX, alleging the account is being reported as " accurate '' because it is consistent with the table of information provided. Yet, the table provided itself shows an alleged past-due payment that was thirty ( 30 ) days past-due in XX/XX/XXXX, and miraculously one-hundred twenty ( 120 ) days past-due for the month that followed, making a difference of ninety ( 90 ) days past-due over one ( 1 ) billing cycle.That payment history on its face is false/misleading/inaccurate. XXXX has engaged in acts and practices that are unfair, deceptive, and abusive and has sought to cover their XXXX by providing contradictory, misleading, inchoate statements in response to CFPB complaints. There is nothing lawful about their behavior and XXXX needs to take accountibility for their own incompetence instead of trying to justify incompetence and punsihing a person with a documented learning XXXX that has been afflicted with XXXX  ( also XXXX ) during this entire ordeal. It would appear to be " XXXXXXXX XXXX '' providing the XXXX in the XXXX XX/XX/XXXX response and then copying the same XXXX into the XXXX XX/XX/XXXX response. Each person touching the account during an " investigation '' has provided their own spin on XXXX which has been contradicted others.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/23 I received a letter about a check that was deposited didn't go through. No warning just your normal check did not clear letter. Go to check my account XX/XX/XXXX  can't access my account. 
Was told due to this check being deposited my account is closed I can't open an another bank account for 5 years. How is this fair. Due to people like me who was getting supposedly paid but now I have no bank account. What happened to a phone call. Or better yet some kind of communication. Or has banks gotten so greedy they don't care about the little guys money anymore. This was with 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Yesterday XXXX I tried to make a purchase several times on XXXX for the amount below the balance of the gift card and the gift card keeps declining. I spoke with someone at XXXX XXXX customer service 8 times in 24 hours between Wednesday XXXX and Thursday XXXX. No one was able to help. All the reps say either the card is not active ( but the card is showing active online!!! ) or the rep says to wait 15 minutes and try to purchase the items again. The card keeps declining!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BofA has been running a public cash bonus offer throughout the year to provide new business customers with a {$200.00} bonus for opening a new Business Advantage checking account online. I signed up for it on XX/XX/, using the link below with the promo code " XXXX '' : https : XXXX. 

The offer details I signed up for are listed below : 1. Make Qualifying Deposits of {$5000.00} or more in new money* within 30 days of opening the new business checking account.

2. Maintain an average balance of {$5000.00} for the next 60 days ( days 31-90 ) during the maintenance period. 

I then deposited new money from my other banking institution on XX/XX/, and maintained the required balance over 90 days. However, I didn't receive any cash bonus from BofA even though I met all the requirements set by the bank. I then contacted the bank and received a case number for it. Later, I called and realized that my case had been denied without any given reason. Therefore, I am filing this complaint to ask for assistance in resolving this issue.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent three distinct disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing a purported 30 day late payment. They responded negatively to all three of them despite my providing extensive evidence that I had paid the account on time. They claimed that the lender had confirmed the late payment on all three despite a part of my evidence being the lender explicitly admitting fault in the matter and guaranteeing that the charge would be 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I paid off this loan and Shellpoint is now charging me fee 's. Although I requested for 38 months for them to send me a statement on my account, so I could see where I was at, how much was owed, etc... they never sent me one. Therefore, I did not know about these charges that were added to my account. Such as late fees or short payments fees, property inspection. For several years they would not send me anything with an amount but now that we paid this loan in full, they want to charge us fees. There is no way we could have know about any of this, as Shellpoint NEVER responded and never sent me anything such as a statement. I have since learned that a class action lawsuit about the same issue was granted against Shellpoint for the same thing i am having a problem with ( extra fees added ). This should not be happening. Every time i get a letter, they say i owe something different. First it was fees, now it's a payment still owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax gas done nothing please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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:
I have reached out to the following account below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will correct the credit report accordingly and change the balance to XXXX however, as I reviewed my recent report, the balance remains unchanged. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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:
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.

has violated my rights. Or a 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 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STAR ONE CREDIT UNION
State: CA

Complaint narrative:
We made a wire transfer through our bank Star One Credit Union on XX/XX/XXXX  for the amount of {$160000.00} for escrow. We received wire instructions from what appeared to be our lender, but later found out it was a fraud email pretending to be our lender with all the contract details. Our bank called to verify the transfer, but never mentioned the possibility of wire fraud. As a customer of Star One Credit Union, we expect our bank to protect us from possible fraud transactions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
XX/XX/XXXX  - Account application was submitted online through promotion web page at https : //www.citizensbank.comXXXX XX/XX/XXXX  - Received account opening email advising account was activated and ready for use XX/XX/ - {$500.00} XXXX received from employer to meet Direct Deposit requirement of terms. 

XX/XX/2023 - Did not receive promotional bonus as advertised on webpage in disclosures at bottom XX/XX/2023 - Called customer service at XXXX in order to ask about promotion. Spoke to a customer representative who stated the promotion explicitly said account had to be opened from XXXX for that promotion. Asked to speak to a manager and the manager repeated the same information, that the account opening/application was outside of the promotion dates. 

The promotion eligibility states " To Earn Bonus : To earn a {$300.00} bonus, open your first new personal checking account between XX/XX/2023 and XX/XX/2023 and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Credence resource management has committed identity theft. XXXX XXXXXXXX XXXX XXXXXXXX are in violation of the FDCPA. I have disputed and do not agree with this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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:
XX/XX/2023 a letter was sent to transunion explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue 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