vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Wednesday, XXXX XXXX I, personally, spoke to XXXX regarding the statement from BOA they had based their decision on reports from the 4 credit bureaus. XXXX and XXXX BOTH informed me there were ABSOLUTELY NO INQUIRIES about me and my credit from ANYONE AT ALL. Actually, I have a freeze on XXXX for years and today placed one on myself with XXXX. 

The telephone numbers on the other remaining TWO agencies directed me to online, so Im unable to talk with anyone from two agencies to ask if BOA had run a check on me, as they stated they had and thats what they based their decision on to reduce my line of credit. Nothing shows LATE. 

Therefore, this is another complaint I am filing because as Ive stated, BOA has done nothing but create a major issue out of a small issue, resulting in my closing my account. I do NOT EVER want to do business with BOA again. This is not about the closed account but, rather, the evil, devious, harmful treatment of a former customer who has a serious XXXX XXXXXXXX which I tried explaining but every single person Ive had any contact with at BOA refused to LISTEN to my problem with my health and, instead, reduced my line of credit for absolutely no reason at all. 

I believe BOA never gets many complaints because people give up trying to resolve their probably legitimate issues such as I have. 

BOA is without any sliver of empathy, they DID NOT TRY TO WORK with me! No, they did not. I was forced to close my account after I overpaid them and that was the ONLY WAY TO RECOVER MY MONEY but it has caused me to get sick, so I canceled. There is nothing mentioned about late payments. And I have a freeze on one bureau, so BOA are scammers and XXXX company with NO SOUL.

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 2024-02-21 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:
XXXX and XXXX and experian are now in violation XXXXS. Code 1028A - Aggravated identity theft U.S For not sending me Method of verification for account below that were disputed I was supposed to get documents of how credit bureaus have intimated disputes along with all procedures and findings of the investigation within 15 days of receipt Sent my address on file 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Are all accounts that need to be removed off consumer file XXXX, experian and XXXX Are also in violation Of 1681A ( i ) a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report Transaction history and experiences which all accounts above in violation 15 U.S. Code 1681e mandates that consumer reporting agencies, like XXXX and Experian, maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. However, it seems they are not adhering to these standards. 


So I will give experian, XXXX and XXXX 30 days to remove accounts from report If information is not removed I will take action to find a resolution By Filling a identity theft report against Credit bureaus Making a Complaint with the federal Trade commission FILLING A BBB complaint And filing a Congressional inquiry with congress To Have that Governing body investigate why Credit bureaus are reporting non disclosed information that is supposed to be excluded from Consumer 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 explanation
Consumer complaint received 2024-02-21 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: PA

Complaint narrative:
On XX/XX/XXXX I opened an Advantage Plus Checking Account with Bank of America in person at one of their financial centers located at XXXX XXXX XXXX, XXXX, PA. There was an advertised promotion of a {$100.00} bonus to be deposited into the account if the account received {$1000.00} in qualifying direct deposits within 90 days of account opening. The banker confirmed this promotion applied to me upon opening of my account. 

On XX/XX/XXXX, I met the conditions of this offer, with a total of {$1400.00} having been direct deposited into my account in two installments from my employer, The XXXX XXXX for XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, PA. The direct deposits came from the employer 's payroll client, XXXX. 

On XX/XX/XXXX, upon seeing that my bonus had not yet been received, I called Bank of America customer service to ask for an explanation as to why this was. No such explanation was provided, and I was told a claim had been opened that would be investigated by supervisors. 

On XX/XX/XXXX, I visited a Bank of America financial center at XXXX XXXX XXXX, XXXX, PA to discuss with a banker why my bonus had not yet been received. I was offered no explanation, although the banker acknowledged that I had indeed met the conditions of the promotion. I was told he had no record of the claim that was supposedly filed for me over the phone on XX/XX/XXXX. He said he was going to file a new one, and expedite the process with his superiors to settle my missing bonus. 

As of today, XX/XX/XXXX, I have not received my {$100.00} bonus from opening my account on XX/XX/XXXX and meeting the conditions of the promotion on XX/XX/XXXX. I suspect Bank of America has no intention of giving me this bonus, and thus I feel compelled to file this complaint. 

I can provide all my bank records if needed. I have not currently attached these documents as I see the disclaimer regarding not uploading personal documents just yet. I also have the call logs to prove I called customer service on XX/XX/XXXX and an ATM withdrawal receipt from the branch I visited on XX/XX/XXXX to prove I was there. Please tell me if any of this is of use to you.

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 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
On XX/XX/XXXX I received a phone call from Congress collection agency in an attempt to collect a debt. Caller stated a notice was sent in XXXX of XXXX ; I stated that I did not remember receiving a notice and asked if a new notice can be sent out so I have physical proof and was denied. The caller stated that they would not send out a new notice because a notice was already sent out in XXXX of XXXX. I am currently working with my insurance agency to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: AZ

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX Please send me the proof that I neglect paying this account for XXXX year XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX Reported dates, payment status, and history are reported inaccurately. Please provide me with the original papers to prove that this is accurate. 

XXXX - Account XXXX Can you provide me with the original papers to prove that this account is accurate? If you can't prove this, please DELETE ASAP. 

XXXX XXXX XXXX - Account XXXX Please provide me with the pieces of evidence that this account is accurate. You're the only bureau reporting this account like this.

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 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
The Ulta Credit Card, handled by Comenity, continues to fail to notify me of payments due and then charges late fees and interest. Additionally, when I pay on their notification of past due amounts, the payments take longer than other credit cards to apply the payment and calculated latest interest. This then generates additional interest. I have an excellent XXXX score and I am afraid that their practices will impact my credit history. On researching on line, I find I am not alone in my concerns about Ulta and Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MUSA Holdings, LLC
State: CA

Complaint narrative:
A Cautionary Tale with XXXX : Inefficiency and Unresponsiveness at Its Peak My ordeal with XXXX, formerly known as Musa Financial among other names, has been nothing short of a nightmare. Right from the start, when I financed my car, the company exhibited a lack of professionalism and efficiency that I've unfortunately come to know all too well. 

Initially, they lost my purchase order from the dealership, setting a frustrating tone for what was to come. However, the situation significantly worsened about a year into my loan when they underwent a name change, not once, but twice, finally settling on XXXX. This was merely the beginning of an escalating series of operational failures. 

For the past five months, I have been desperately trying to contact them to exit my lease early, but to no avail. Their phone numbers have been disconnected, and my emails are met with deafening silence. Out of XXXX attempts to reach out, only one email received a response, and that was when I threatened to file a complaint. Despite their promise to return my call, I never heard back. 

The consequences of their unresponsiveness are not just frustrating ; they're financially burdensome. I've been paying for a car I haven't driven for over XXXX months since I moved out of California, and the vehicle remains there, unused. This situation underscores a profound lack of professionalism and customer care that should concern any current or prospective customer. 

XXXXXXXX XXXX inability to manage basic customer service tasks, combined with their operational inconsistency ( evidenced by multiple name changes ), paints a picture of a company that is anything but reliable. Their disregard for customer communication and resolution of issues has placed an unnecessary strain on me, both financially and emotionally. 

My experience has been one of frustration, financial loss, and utter disappointment. A company that fails to communicate with its customers, especially in the financial services sector, is not one that deserves your trust or business.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-21 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: OK

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( Original Creditor : XXXXXXXX XXXX ) # XXXX 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 of 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 2024-02-21 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) # XXXX 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 of 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 explanation
Consumer complaint received 2024-02-21 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: MS

Complaint narrative:
XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Balance updated XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$830.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$140.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$6000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5900.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$7000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT Balance - Balance updated - XXXX XXXX Original creditor XXXX Balance {$1100.00} Balance updated XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 3rd party. They in fact did not come from a 3rd 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 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