vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, met with a Bank of America agent to gain access to my mother 's banking accounts as the acting power of attorney, with a durable financial power of attorney signed and notarized on XX/XX/XXXX. My XXXX is in a long term XXXX XXXX, admitted late XXXX of XXXX. I was told I would need a letter from the facility stating she is unable to manage her finances. She is in a progressed state of XXXX. I did not have that statement. As her checking, savings and credit card accounts are all with BofA, I asked about cancelling her credit card and if there was anyway interest could be suspended. I was told I could add my name to her account and that would give me the ability to speak with the credit card agents to manage the accounts. I agreed and added myself to the account. I later discovered my credit report is suffering due to it appears as my debt. That was not explained when I added my name to the account. I've worked hard to keep my credit in great shape, now it is dropping due to this. Is this legal? Can I get my information removed from the account? My mother is on XXXX. I try to pay what I can on her debts, but there is never enough left to make the minimum payment.

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 2024-08-06 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: CA

Complaint narrative:
A XXXX XXXX account with an outstanding balance of {$5100.00} was apparently referred to collection and appeared on my Experian credit report in XX/XX/2024 as a negative item resulting in a significant reduction in my credit score. It has persisted in all subsequent months. This item was disputed for the simple reason that i have never had a XXXX XXXX account. The result of the dispute is that XXXX insists that the information is accurate and the negative item remains on my report. No account information has been provided such as billing address, associated phone number, etc.

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 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have a Coinbase account that I am unable to log in to manage my account I have been following all instructions provided by Coinbase to log in to my account, and have completed numerous manual validation checks which checks my drivers license and takes a video of me. Even though I am validated each time and successfully enter my email and password, the XXXX factor authentication ( XXXX ) system never accepts the XXXX Coinbase XXXX code. I have deleted and updated this XXXX app numerous times. Nothing appears to be working and there isn't a way to reach a person until you have fully logged into Coinbase which I have been unable to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon checking of my credit report today, can't help but notice that there's an inquiry in it that I don't recognize which was really concerning it made me extremely anxious. I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have 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 2024-08-06 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and damaging. I demand the immediate correction or removal of this account from all credit reporting agencies and request a thorough investigation into these inconsistencies. 

Inaccuracies Identified XXXX. Date Opened : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : Experian and XXXX : {$3900.00} XXXX : {$0.00} XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies in reporting, particularly concerning the high credit, last reported date, date last active, and date of last payment, indicate inaccuracies in the information being reported. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Inconsistent and incorrect information can negatively affect my credit score and financial reputation, leading to potential denials of credit and other financial opportunities. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

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 2024-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Buisness : Ashley Furniture Date : XX/XX/year> Location : XXXXXXXX XXXX  Store employee started discussing a purchase with possible total prices and potential monthly payment but with no finalized numbers yet. The employee suggested to do a prequalification before we finish looking through the rest of the store. We were under the impression that it was just a prequalification but after the intial information was placed the employee clicked through the screens without stopping to explain what was going on. The next thing we know a recipt is being printed that says you have been approved and a credit care will come in 7-10 days. 

I stopped the employee at this time and tried to verify that we didnt just get signed up for a credit card. Informed him we would be very upset if that was the case. The employee assured us that there was nothing to worry about, things were not even finalized yet, and it could still be cancelled. 

We sat down to go over some numbers. Said we would think about it. And asked one final time, " we want to make sure that we did not get a credit card ''. The employee acted XXXX and said " no of course not, you have not purchased anything ''. I asked him if he understands you can get a credit card without buying anything and he appeared very confused. I asked to see the manager at that point. 

The employee started to walk us to the center of the store before telling us to wait. He then walked up to the manager ( within earshot and still in close visual proximity ). The employee explained to the manager a little bit of what was going but changed the story to fit his narrative ; I explained to them what was happening, they know what was going on, i am just doing my job, i don't know why they are so upset, etc. The manager then came over. I asked if there is now a credit card in my name and he said yes. I started to explain to the manager what happened but the employee constantly interupted and talked over my wife and I. 

At one point my wife said " this is fraud, this is a bait and switch '' and the manager shook his head yes. The employee said he can call Syncrony and cancel it and it's not a problem and there is nothing to be upset about. We then asked that manager if that is realistic and how long it would take. The manager aknowledged that it doesn't work that way and I would have to be the one to call and try to get things sorted out. The managers take away is that it is done and there is nothing they can do about it now. The employee continued to point out that a purchase was not made so I am pretty sure he still doesn't know how credit works.

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 2024-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC
State: NV

Complaint narrative:
The company Global Lending Services is violating my rights. I obtained this car in XXXX and returned it when I was an XXXX XXXX military service member under the Service member Relief Act ( SCRA ). However, they are reporting on my credit that the car was repossessed. To make matters worse, they claim I made a payment in XXXX of this year to keep the car on my credit report, when it has been more than 10 years since I had the car. They are not honoring the SCRA and are incorrectly stating that I got the car in XXXX when I was already retired and living in XXXX, NV. They have not provided me with a copy of the original contract, which likely contains the truth about when I obtained the car. Since they are not honoring the SCRA and it has been more than 10 years, they should erase this from my credit report. I also want proof of the payment that they claim I made in XX/XX/XXXX to keep the account on my credit report without any valid reason. This not only seems illegal, but it also appears to violate my rights as a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXXXXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
back in XXXX i bought a condo and ended my lease with Pavilions of Deer XXXX I paid ALL the fees for early lease termination as per the lease contract. 

Months AFTER I moved, I received a bill from Pavilions for a charge of {$560.00} claiming damages,,, again, after a few months and move-out inspection. 

Pavilions is notorious for doing things like this when tenants move, even just by reading past reviews.. this is a common occurrence they tack on these fees I tried to resolve it, but it IMMEDIATELY went to collections, and since then, at least XXXX collection agencies have been demanding payment for this FAKE charge, each XXXX not even trying to negotiate, just wanting full payment with no recourse This last time.. Qualia ( the last agency ) reported this on my credit report. 
At the time of XXXX my XXXX scores were hovering in the XXXX range.. yes, I said XXXX, with XXXX late payments, all revolving debts paid in full by months end, and a stellar histry with car payment ( XXXX XXXX ), mortgage ( regions ) and XXXX Visa, XXXX XXXX, I discover and XXXX XXXX XXXX XXXX with XXXX credit lines.. 

So, all these LEGITIMATE companies deemed me a good risk, and now with the hit on my FICO.. its still in the mid-high XXXX range, but that is NOT indicative of how I handle my finances This is nothing but a money grab, by an agency that has nothing to lose by reporting this collection and try to strong-arm me into paying this " ransom '' Even if I do pay ( which I wont bc its a scam ) the collection will still be on my report XXXX XXXX XXXX XXXX, not in great health, and this is causing a great deal of XXXX.. My next step is to seek legal help and turn the tables on these predatory agencies, but XXXX hoping CFPB can put a permanent end to this situation Yours truly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2024 I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/2024 I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of XX/XX/XXXX data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/2024 I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
On XX/XX/year> I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/year> I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of XXXX XXXX data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/year> I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any 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 explanation
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Take this complaint seriously, I am alarmed about unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After I deposit my check theres issues with me sending to other banks and intuitions. 

I am late on payment of mortgage. They hold every paycheck 5 days. Mortgage XXXX XXXX name I am late with for 3 months straight. 

Today, after reporting of some authoritizied after receiving a new digital to use. 
I had to reschedule my doctors and client and reschedule another client. I stood in XXXX gas station trying to assess money. Which never occurred I had to visit local branch for cash. 

Then tonight in line to pay groceries, I stood in line again embarrassed, upset I cant use my money, but criminals they can. I am charged late fees for my rewarding for working. 

I dont know BAC solution will be. But I want my money when I need my money. So if they cant or dont find a solution, until they do whenever I use it needs to authorities. If I am buying groceries, it needs to authorize to do so. Luckily, tonight I took a extra cash at the local branch and I had enough cash left over that my family had a small meal and thank XXXX for that

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 2024-08-06 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: Nelnet, Inc.
State: SC

Complaint narrative:
Tuesday, XX/XX/XXXX at XXXX PM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry/Unauthorized Fraudulent Account XXXX : Department of Education XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX, and XX/XX/XXXX. 

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. My name and my identity has been stolen. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Also, XXXX Police Department XXXX Report # XXXX has been filed as well to support this identity theft using my name and social security number without my authorization. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: AZ

Complaint narrative:
A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service XXXX IRS ) XXXX. According to the IRS XXXX, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Please act in good faith and remove any information regarding account ACCOUNT # XXXX from all credit reporting agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief