vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 
Also this as well. thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is now my XXXX complaint with the CFPB about predatory practices at Bank of America. 

I had a credit card from an old business that was charged off. As a part of my agreement, I understand that I am liable for the balance owed and that money from my personal account could be used to satisfy the balance due on the card. That is not my dispute. 

My dispute is that now on multiple occasions, I have filed a complaint and spoken with Bank of America, Regulatory Affairs, bump on a log, XXXX XXXXXXXX who last time we spoke said he was working on my case and would call me back. I repeated on I'm sure a recorded line, I want to set up a payment plan. I was told that if I set up a payment plan, Bank of America would not withdrawal my personal account down to XXXX. I never received any calls from XXXX, emails from XXXX or correspondence from XXXX  regarding my options after leaving multiple messages for him. 

Now I'm reading responses on the CFPB complaint that are essentially generic responses and LIES claimining I DECLINED a payment plan .... This morning I woke up to {$5200.00} withdrawn from my personal account and my rent is due today ... and my account is XXXX. 

I have filed a complaint with the Attorney Generals Office and will continue to file complaints about Bank of Americas predatory lies claiming I declined a payment plan which I would never have done - obviously I'm not sitting on a pile of cash with the ability to write it off losses on the backs of tax payers like Bank of America does. 

I'm not sure that the CFPB is useful as once I submit this complaint, XXXX XXXXXXXX, the loser he's been in resolving my issue... gets a copy and has a job to half-ass do, to not resolve it with a payment plan that I called confirming I wanted to set up and then put some generic trash response on the website so it looks like he did something for me, the consumer that is apparently being protected by the CFPD... 

We will see. If I could sue XXXX XXXXXXXX personally for the lack of action he took and the state of my account and now life today, I would.

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
Vague records... charging double in interest fees while trying to get out from under their stealing hard gained funds from us. They need to be fully investigated. If they are cheating us just imagine what they are doing to their other poor lenders. Making big time money here at the great expense of their unfortunate customers. They bought our loan as we never would have willing signed up with them. Just trying to get out from under them with a few dollars in our pockets!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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 found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america is still reporting the wrong amount owed to credit reports. 
please fix this issue, or I will have to open a lawsuit against 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 non-monetary relief
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
account-XXXX  account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
account-XXXX account 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 2024-05-01 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: TX

Complaint narrative:
I have addresses reported on my credit report that belong to another person with similar name and address as me : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Please remove this address as information attached and associated to another person with similar name and address as me is being reported on my credit report This address is the only address i need reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Account number XXXX the late payments reported as 30 days late on dates XXXX are from the result of fraud and unauthorized by me. This was already discussed and since XXXX is FDIC insured i am not responsible for the late payments. THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 


XXXX XXXX XXXX Account number XXXX ( unverified ) The creditor is stating i was late on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  days late. XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 30 days late. I was never late on this account he XXXX requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 



XXXX XXXX Account XXXX XXXX ( Unverified ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX unverified ) Account number 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 2024-05-01 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: TX

Complaint narrative:
I have addresses reported on my credit report that belong to another person with similar name and address as me : XXXX XXXX XXXX XXXX, GA XXXX Account number XXXX Please remove this address as information attached and associated to another person with similar name and address as me is being reported on my credit report This address is the only address i need reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Account number XXXX the late payments reported as 30 days late on dates XXXX are from the result of fraud and unauthorized by me. This was already discussed and since XXXX is FDIC insured i am not responsible for the late payments. THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 


XXXX XXXX XXXX Account number XXXX ( unverified ) The creditor is stating i was late on XX/XX/XXXX 30 days, XX/XX/XXXX as 60 days late. XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 30 days late. I was never late on this account he FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 



XXXX XXXX Account XXXX XXXX ( Unverified ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX unverified ) Account number 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2024-05-01 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:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account 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 2024-05-01 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I logged in to the Comenity Bank XXXX for XXXX store card ) to pay my bill. Upon logging in it the website said I had a {$0.00} balance and {$0.00} available. Upon checking the online message center it said the the account was closed due to inactivity as of XX/XX/year>. I had made a purchase using my XXXX ( Comenity Bank ) credit card on XX/XX/year>. The order number was XXXX and I have the email confirmation. I verified on the website that the card used was my XXXX card. I called Comenity Bank and was escalated to various levels, eventually getting to an Account supervisor. I was to be escalated again to a higher level and was disconnected. I called again, was escalated again transferred to the account supervisor, and again " disconnected ''. At this point I believe they are just hanging up the phone. 
I was told a few times that the only way to reopen the account would be to reapply. I explained to them that doing so would massively impact my credit score and report because I would be XXXX closing an account, XXXX would get a hard inquiry on my credit report, XXXX be reopening a new account, and XXXX it would drop the average age of my open accounts, all of which would negatively affect my credit score. I should not have to do that because of their mistake. 
The very first person I spoke to told me that the account could be reopened since it was within 7 days, but I would just have to make a purchase today. I attempted to make a purchase using the store card and it was declined because the account was closed. I keep getting different ( mis ) information from each person I speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

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 2024-05-01 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: IN

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

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 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I've had a wallet in blockchain.com website for more than XXXX years now ( roughly XX/XX/XXXX ). When I opened the account I invested XXXX in XXXX and XXXX there. XXXX  months ago ( on XX/XX/XXXX ) I decided to sell all my XXXX. That went okay. And it left me with a XXXX in the account. On XX/XX/XXXX I tried to withdrawal that money to my bank account. That transaction has been pending for more than XXXX months. I've tried contacting them more than XXXX times through all the support platforms they have. I've even contacted with my bank to make sure there was no blocked transaction or problem there, which there is not. Their response always is that they are reviewing the case and to please be patient.

Company response to consumer: Closed with explanation