vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To whom it XXXX concern, I have been a bank of Americ customer for XXXX years... On XXXX XXXX, 2024, I made at least XXXX login attempts to my Bank of America XXXX account XXXX their website and mobile app with my cell. As is standard, I was required to complete username/password authentication and i was able to successfully complete that without any issues. 

Afterward, the bank 's website indicates that I need to contact the bank from the phone number on the screen to speak with a representative who can provide me with an authorization code to auth into my account. For context, this is different from the standard XXXX approach using email, SMS, XXXX via an authenticator app, etc. I was not given the opportunity to auth into my account with these other standard XXXX methods but I'm confident that if given the opportunity to do so, I could have successfully logged in by now. 

Anyway, each time I called Bank of America, I was put on hold or given a call back for like XXXX minutes ... I have spent the last XXXX hours trying to get back into my account to no avail.. 

During my calls with Bank of America, I have successfully verified my full legal name, full bank account number, social security number/SSN, full debit card number, debit expiration date and debit cvv/cvc, and my phone number on file .... 

However, the bank reps are telling me that they can not provide me an authorization code because I made a recent phone number change to my account. Their proposed solutions are for me to download the bank or XXXX app and use XXXX to verify my number so I can login or head to a local branch with XXXX forms of ID. 

The first solution is impractical because the only way to access XXXX is to first get past or around the " call us and get an authorization stage and the second solution is simply inconvenient for me. 

When I asked for a XXXX, they offer pushback and direct me to a supervisor instead ... and when i finallt get to a XXXX they provide the same response to me ..... 

Then when I ask for a ticket number, reference number, reference ID, or some way for me to refer to our correspondence for further escalation the XXXX advised, suggested, or led me to beliebe that they do not have any such thing. In fact, the only time a Bank of America XXXX provided me any sort of reference number was when I advised that I would submit an official complaint about their business practices to the CFPB...

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 2024-11-20 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-11-20 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: CA

Complaint narrative:
I recently noticed multiple unauthorized inquiries from your company on my credit report that I absolutely do not recognize or remember authorizing.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 2024-11-20 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: DE

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2024 I received an email that stated that Affirm credit was approved for a purchase of {$190.00} and that the first payment of {$32.00} was due to Affirm for a purchase made from XXXX XXXX XXXX on-line clothes company ). I knew this had to be a scam because myself or my husband did not purchase anything from this company and neither of us have ever used Affirm. I received an email almost daily saying my payment was overdue. Again I ignored this because I receive many scams a month. The beginning of XXXX I received an email that said this {$190.00} was turned over to XXXX, a collection agency. I called XXXXXXXX XXXX XXXXd Affirm and both of them do not have any record of an order from me, any information about me and said that I do not have an account with either of them. I have an email from XXXX Basics that states this. I then called XXXX debt collections and they stated that they do have my information that I owe this same amount to them. I asked them to mail me all information that they have connected to this debt. They stated they will do this. I have not received this yet. I called XXXX and they said that this debt is showing on my credit report. My XXXX plus XXXX XXXX is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My father took out a credit loan to buy solar panels for his house using my identity. He forged my signature, and XXXX XXXX approved the loan, even though they sent the contract to my father ( not to me ) and never obtained my authorization. They claim the loan is valid, even though my father only had my driver 's license ( not my social security number ) and never received permission from me to use me as a cosigner. He signed all the documents without my consent. 

I have tried for years to get this removed. I have never lived at the address, never consented to the loan, and receive no benefits from itonly headaches and insults from my father and his family. The loan information is as follows : XXXX XXXX XXXX # XXXX. 

My father alleges that the seller told him I would only be listed as a financial reference, not a cosigner. In the contract, you can see that the document was signed using my father 's email. It is likely that the XXXX address will show the signing was done from XXXX, while I was in XXXX at the time. Additionally, he used only my first and last name as initials, but I always include my middle name in my initials. 

I am unsure if it is too late to have this removed from my credit, but I am certain that this company allowed my father to sign on my behalf, knowing I was not there to provide consent. If they allowed this to happen in my case, it is likely they have done so in many others. Please investigate this matter.

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 2024-11-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered unauthorized inquiries on my credit report this afternoon, and I have no idea how they got there. While checking my credit report as I normally do, I came across these unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. I am deeply frustrated by this issue and urgently request that the documents I provided be carefully reviewed so I can finally stop worrying about it.

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 2024-11-20 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: UT

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 2024-11-20 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are inaccuracies on my credit report tied to unauthorized hard inquiries. Please remove them as per 15 USC 1681c-2.

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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
In XXXX, in Ohio, I had stopped receiving my billing statements. In XXXX of that year I called Select Portfolio Servicing ( XXXX XXXX ), to inquire why. On the phone they told me they did not have the XXXX. I asked where it was, or who they transferred it to, and they said they had no record of either. That said, the next day I went to XXXX XXXX auditors office to search for my XXXX holder. They found that my property was listed as warranty deed. So since XXXX of XXXX, I have paid insurance and taxes on my home, and had never gotten any notification of default even up to the present day. I received no mail, no calls, no email, nothing. In XXXX of XXXX, I hired a title search to find my XXXX. They said the only thing found they was XXXX XXXX. To this I have never gotten anything from XXXX XXXX pertaining to a mortgage. So that search basically came up empty at my expense. Fast forward to present, I tried to sell my home in XXXX. It took several weeks for the search to find anything. Then they said who is XXXX XXXX XXXX. Upon the question I answered the above of info. The gave an account number and a phone number. I called the for XXXX, and the couldn't identify me through name, social, or even the lien number. 3 days later they called and said I owe them {$85000.00} and some change. After that call they called my several times. If I answered, no one was there, and it hung up. If I didn't answer they left a voicemail with a number to call. When I called the number, all I got was a rapid busy tone. Yesterday I thought I would try it again. This time I got an answering service with prompts. Again my name, social, and XXXX number are still not recognized. After living in my home, paying insurance and taxes for XXXX  years, and having no XXXX contact for foreclosure or delinquency, how am I to handle this. How do I obtain my warranty deed, as it is still currently stated on XXXX XXXX auditors site? XXXX has XXXX month foreclosure statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MO

Complaint narrative:
This morning, I was stunned to discover inaccurate accounts on my credit report, and I have no idea how they got there. I review my credit report regularly, and everything was fine beforenow these discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changed. Its frustrating that these errors remain despite my attempts to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-20 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: Conduent Incorporated
State: IN

Complaint narrative:
I have a been notified that I have a very large credit of over {$48000.00} on the Way2Go Card. My ex-husband started paying his back support and the local child support office opened an account on my behalf with this company. I have been trying for several weeks to get the balance of the card transferred to my bank account. I have sent all information they requested to verify my identity numerous times. I have called and spoken to numerous supervisors with no solution. Every day they tell me they don't have an answer and to send the information again. I have done this multiple times, and I'm very concerned with my identity being compromised. I can not find any information about this company on the internet. I have sent all my personal information that includes personal and banking information. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Our mortgage servicing was transferred over to Shellpoint Mortgage Servicing on XXXX XXXX from XXXX XXXX XXXX. Both companies are known as grifter type mortgage companies that intentionally tries to raise your household expenses until you can't afford your mortgage any longer. The first scam that Shellpoint attempted to do was purchase mortgage insurance on our home without our consent. When they failed at that since we had our own mortgage premium, they raised our mortgage amount claiming the escrow account needed to be adjusted. My wife and I found out today that our property taxes were not paid for this year. The tax bill was sent to Shellpoint in XXXX by means of certified letter. They intentionally didn't pay the taxes and received the tax bill in ample time. All homeowners connected to these grifters are suffering the same hardships. They need to be stopped. I read countless reviews about these grifters along similar circumstances of other homeowners and now we are victims of the same scams. As long as these grifters are in business no homeowner are safe from their scams. We are in the process of seeking legal help to fight this trash company.

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 2024-11-20 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: VA

Complaint narrative:
Several errors on my credit report involve unauthorized inquiries under 15 USC 1681c-2. These are harming my credit and need immediate removal.

Company response to consumer: Closed with non-monetary relief