vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I received a letter from Radius Global Solutions, LLC in regards to collect a debt for XXXX. I informed them that there is no debt due as per XXXX XXXX own policy, the contract was dissolved because they couldn't service my new address. I made the dispute XXXX XXXX 2024 and as of today, XX/XX/XXXX they have failed to provide proof or move it off my credit report as per the federal law giving them XXXX  days to do so. I spoke to XXXX XXXX employee code 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 2024-09-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to you in reference to a problem I am having closing on a XXXX XXXX XXXX due to a Bank of America FHA XXXX  Lien XXXX  for {$25000.00}, that's stalling the XXXX  Loan process. The XXXX FHA loan was paid in full on XXXX XXXX, 2014, in the amount of {$260000.00} by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX  XXXX. 

Bank of America recorded the full payment amount of {$260000.00} as satisfied, however the mortgage XXXX  Lien outstanding amount of {$25000.00} is still open with the county clerk 's office. The title servicing department was XXXX XXXX XXXX. 
The {$260000.00}, included the {$25000.00} I have made several attempts to rectify this problem to no avail. I had reached out to Bank of America, XXXX XXXX XXXX ( the recording company ) and the Settlement company to have this Lien remove from my property title as well as FHA. It's frustrating that this issue has been going on since XXXX  2014 and with each call, visit or email no one follow through to rectify this problem.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to provide an update and request further action on the complaint I filed against TransUnion on XX/XX/2024 under Complaint Number XXXX. 

Despite filing disputes and providing all necessary documentation, TransUnion has failed to correct inaccurate late payments on my credit report. Their investigation, completed on XX/XX/2024, did not resolve the issue, and they have failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations Violation of 15 USC 1681s-2 ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) : The creditor has failed to accurately report the late payments. 
Violation of 15 USC 1681i ( a ) ( 1 ) & ( 6 ) ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) : TransUnion did not conduct a proper investigation or provide sufficient results. 
Violation of 15 USC 1681i ( a ) ( 5 ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) : TransUnion failed to correct or delete inaccurate information after being notified of its inaccuracy. 
Given the ongoing violations and TransUnions failure to comply with FCRA, I request that the CFPB take further action to ensure TransUnion corrects the inaccuracies on my credit report. I have enclosed all relevant documentation, including TransUnions latest response.

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 2024-09-17 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: PA

Complaint narrative:
Despite having a fraud alert on my account Transunion has reported fraudulent accounts, inquiries and addresses. 

XXXX. XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$350.00}. 
Issue : This account has not been verified by XXXX XXXX. Under 15 U.S.C. 1681i ( a ), I have the right to dispute this account, and XXXX is required to conduct a reasonable reinvestigation. To date, there has been no verification of this account by XXXX XXXX. 

XXXX. XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$2200.00}. 
Issue : This charge-off is inaccurate and has not been verified by XXXX XXXX. I dispute this account under 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation. Additionally, under 15 U.S.C. 1681s-2 ( a ), the creditor is responsible for furnishing accurate information. XXXX XXXX has not provided sufficient verification for this debt. 

XXXX. XXXX & XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Collection account for {$260.00} from XXXX 
Issue : This debt is being reported by XXXX XXXX XXXX, but I do not have any outstanding debt with XXXX. I request validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), but no proper validation has been provided. Until XXXX XXXX XXXX verifies this debt, it must be removed from my credit report under 15 U.S.C. 1681i ( a ). 

XXXX. XXXX XXXX XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$1000.00}. 
Issue : This charge-off has not been verified by XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ), they are required to report accurate information. As they have not verified this debt, it must be removed under 15 U.S.C. 1681i ( a ). 

Inquiries to be removed : XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

Addresses : All addresses Transunion has listed other than 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 non-monetary relief
Consumer complaint received 2024-09-17 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: CT

Complaint narrative:
My XXXX was hacked and turned onto XXXX mode for XXXX days. I wasnt able to call, text or receive calls or texts. During that time, my phone was hacked and whoever did it was able to use my social medias, bank accounts and whatever else I had on my phone. They were able to spend money without having my debit card or credit card information because some of the accounts had my debit card saved to it. So they spent money. The bank is saying it was me and that they texted me. But thats impossible because I wasnt allowed to make texts or even receive texts. And XXXX ironically wont allow you to get records of that without a subpoena. So I asked them to prove it with my ip address. And they havent. But they denied me my claim for over {$2500.00}. They wont answer me or allow me to speak to anyone with any decision making.

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEALTHFRONT CORPORATION
State: MA

Complaint narrative:
The company in question is Wealthfront.

When attempting to fund a Wealthfront account, you are forced to use their 'instant linking ' service provided by XXXX XXXX who offer similar services to XXXX. These services take your username and password for third party banking institutions and then impersonate you and scrape the bank in question 's public websites and account management portals. Wealthfront does not allow for micro deposit verification, despite their outdated documentation on their website clearly pointing to the fact that they did at some point historically.

The core issue I have here is that by forcing the use of these services, Wealthfront is forcing all of it's users to actively break the ToS of their other banking institutions by handing over their username and password to third parties. In the event of any breaches of XXXX 's stored plaintext or reversible encryption passwords, this forces all customers using such services to bear the full risk of losing all of their assets as they are forfeiting the protections provided by the third party bank 's account security mechanisms. In fact, the ToS of XXXX disclaims all liability arising from the fact that they are storing all of your account credentials. 

It is also of note that these third parties log in, scrape, anonymize and sell all of your third party bank 's transaction information, so the financial incentive for this behavior is clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Complaint Summary : I have had a fraud block on my XXXX credit card since XX/XX/XXXX. Despite numerous attempts to resolve this issue, it is now almost XX/XX/XXXX, and I still can not access my account. 

Details of the Issue : In XX/XX/XXXX, a fraudulent payment was made using my card. I reported this to XXXX, and since then, I have not used the card. However, a fraud block was placed on my account, which has not been lifted despite my continuous efforts to contact the XXXX XXXX department. 

In XX/XX/XXXX, I was informed that I need to speak to someone named XXXX to resolve the issue. I, as well as other members of the XXXX team, have reached out to XXXX multiple times, but she has yet to respond. As a result, I have been unable to use my card for almost a year, despite making regular payments and never missing XXXX. 

Additional Issue with Bonus Points : When I initially opened the account, I received a certain amount of bonus points. I attempted to invest these points, but the transactions remained pending indefinitely. Afterward, XXXX informed me that I was not eligible to invest, and they never returned my bonus points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-17 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've made a complaint on XX/XX/24 regarding my account closure on XX/XX/24. My account was being closed without my knowledge. I was denied online access and was originally told I wasn't able to go into a branch to withdraw my remaining funds. I received a call on XX/XX/24 from a Bank of America representative advising me I was able to go inside a local branch to complete my request. The representative also advised me she would notate my account that my accounts were clear to withdraw. I then went inside of a branch location on XXXX XXXX XXXX in XXXX, Tx to complete my transaction and was told by XXXX XXXX my accounts were locked and I was unable to withdraw my money. Not only did XXXX tell me I was unable to withdraw my money she was rude about it while asking do I know whats going on with my account. After I already explained the situation and what I was trying to accomplish. I then called Bank of America again to express what was occurring. The representative advised me that XXXX of my accounts were open to withdraw funds but not both. The lack of communication with this company is unacceptable. Having multiple accounts with them over a XXXX time span being treated so poorly with my livelihood at stake is the most absurd and disrespectful thing I've encountered with any financial institution ever.

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 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
There is a collections account impacting my credit from Jefferson Capital Systems in the amount of {$3900.00}, on behalf of XXXX XXXX. 

This debt does not belong to me, but apparently my information is on it and it is now sitting on my credit report. I attempted to dispute the debt in XXXX of XXXX  and see for myself what information is on record linking it to me, and have asked for specific information only to for them to simply decline the dispute without even the courtesy of letting me look at the information they are using to negatively impact my credit. Since I have already tried to appeal to the company with no success, I would like to file a complaint and see if someone can help. This debt is seriously hurting my credit, and the companys lack of concern has been unfair. If my information is out there for anyone to use I need to be fully aware of that, and I cant do that. Id like to just get this resolved easily without resorting to more complicated and expensive means. Any help is appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-17 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: GA

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Transunion website ( XXXXransunion.com or service.transunion.com ) is non-functional. On several occasions I have attempted to access both my credit report and my freeze status on this site only to be given the message that this can not be requested online. Here is the message : Sorry, we're having trouble showing the status of your credit freeze right now. 
You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX  XXXX XXXX XXXX XXXX. and Saturday - Sunday XXXX aXXXX XXXX XXXX XXXX Eastern Time. 
Last week I used to chat and the chat personnel assured me the freeze had been removed temporarily. But, it was not removed at all. 
Today, XXXX XXXX, 2024 I asked again for it to be removed temporarily and the CSR removed it permanently. So, now I have to go back and have it reinstated manually.

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 2024-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief