vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Did not receive refund, on a XXXX XXXX  withdrawal amount, unauthorized, from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Received refund, for same amount, later, withdrawn again, from same payee and via my bank, Bank of America , N.A .. 
Bank of America , N.A . is causing me financial hardship, by not crediting my account with a very large number of large-amount deposits. All of those deposits have yet to reflect/depict - for my earned use. 
Benefactors, beneficiaries, creditors, lenders, consumers, all depend on my assets being in my own account and custody. 
This single transaction, is part of the problem. 
Criminal investigations and prosecutions must finally begin ; and my assets need to depict now finally in my account. Whether any corporate merger or restructuring, or not, I want my money, and reversal to all " insufficient funds '' fees applied. 
I will also then, after their ledger corrections, easily be able to pay my personal debts, in house and external bank.

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 2024-12-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not believe the debt reporting on my credit is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2024-12-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2024-12-12 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Dear Customer Representative, I am filing a complaint do to increase in mortgage payment of {$96.00} payment due date XX/XX/year>. I received statement in mail and called Lakeview Loan Services today XX/XX/year> spoke to XXXX XXXX XXXX XXXX ) XXXX for explanation of increase she stated we had a shortage in Escrow account of XXXX + XXXX minimum required balance total of shortage = {$710.00}, would be divided in 12 monthly payments XXXX I am in disagreement with their Escrow analysis they have prior year insurance in XXXX XXXX. We had XXXX  XXXX XXXX XXXX XXXX they did not renew our insurance, I was not aware of this because I never received any documents about non-renewal. I became aware of this when Lakeview Mortgage notified me and I obtained a new Real Estate Broker and got a new policy for {$1500.00}. less deposit we paid {$240.00} we owe for the year {$1200.00} 12 months = {$100.00} per month insurance prior year insurance was {$1000.00}. 12 months = {$91.00}. 
I was expecting a small increase in are mortgage of {$16.00} ( new insurance XXXX prior amount XXXX = increase of XXXX ). I tried to explain my concerns to Lakeview Mortgage she kept saying to look at Escrow Statement which I did not have, she emailed a copy. I do not understand how they are arriving at a shortage when they do not have the accurate amount of insurance we are paying plus they still have prior insurance on Escrow analysis. Will you please review the documents I am submitting because we are on a very low fixed income and can not afford the new payment of {$1000.00}.

Also, I do not know how they arrive at there escrow computation for taxes and insurance because when I add up the 2 and divide by 12 months the amount is a lot higher than what it should be. Example : Insurance total year {$1500.00} plus Property taxes {$1500.00} = XXXX. 12 months is {$260.00} there Annual Escrow amount states {$330.00} and on monthly statement includes prorated shortage of {$59.00} total of {$390.00}. I apologize for the inconvenience I have caused you but I do not have any knowledge about Escrow Impound accounts and if you will please advise me if we are being overcharged. 
I am enclosing a copy of new insurance policy plus receipt of payment we made, copy of Escrow Statement that was emailed to me, copy of monthly statement from Lakeview and a copy of prior insurance. Please let me know if you need any additional documents. 
Thank you, 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 2024-12-12 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXXXXXX XXXX XXXX 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. XXXX XXXX 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 explanation
Consumer complaint received 2024-12-12 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:
Please remove all unauthorized hard inquiries from my credit report. These are inaccurate and violate 15 USC 16c-2, negatively affecting my credit. Thank 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My dad created a joint account for me to start off my reselling/side hustle business of flipping brand shoes like XXXX, XXXX, XXXX, and clothings like supreme and such at the time. My business took off a couple years later and I started being able to purchase more shoes and clothes and flipping them on 3rd party sites such as XXXX, XXXX, XXXX, XXXX, and local market places and I had funds and payout entering my account everyday to which I withdraw next the day to be able to replenish and stock up on more inventory to sell, and it went on for awhile until I got a letter from CHASE saying my account and credit cards will be closed on a certain day. I went to 2 local branch to try to get more info on why and to see if I can appeal it. I called the number provided and nothing could be provided to me. The branch employees tells me that they sent me a letter basically telling me to stop with the withdrawals and such but I never got XXXX in the mail. And now my account and credit cards with funds and points were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
XXXX XXXX XXXX doesnt have consent to furnish anything to my credit 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, beginning shortly before XXXX XXXX  ET, I received text alerts on my cell phone, alerting me to XXXX unauthorized chargestotally $ XXXX had been made using my Bank of America-issued credit card. The charges were made in stores in and around XXXX, New York while I was at home in XXXX XXXX, NJapproximately XXXX miles away. I have not been to XXXX in over XXXX decades. 

As soon as I noticed the alerts that same night, I immediately contacted Bank of Americas Fraud Department to report the charges as fraudulent and requested that a new credit card be issued. While Bank of America initially temporary applied credits to my account for the XXXX fraudulent charges, they later reversed the credits on XX/XX/year> and stated that I am responsible for the charges, on the grounds that The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. Bank of America made this determination despite the fact that the only physical card that had been issued to me by Bank of America was in my possession and thus could not possibly have been used to make the XXXX fraudulent charges. Bank of America has yet to explain how they made this determination or why they believe that the only credit card issued by Bank of America was present. 

The same day that I received the determination, I went to my local Bank of America branch, where an employee helped me submit via fax information to the fraud department supporting that I did not authorize the fraudulent charges and my card could not have been used to make the fraudulent charges. This included a screenshot of a security video showing that I was at home in XXXX XXXX, NJ during the time that the charges were made in XXXX, NY and a statement that the only physical card issued to me by Bank of America was in my possession at that time. Bank of America staff subsequently informed me that they would conduct an investigation of my fraud claim. 

From what I have heard from Bank of America thus far, I am concerned that Bank of America either failed to conduct a competent investigation, or was defrauded into issuing a physical credit card to a scammer.

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 2024-12-12 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: NY

Complaint narrative:
I am seeking assistance with a credit issue involving XXXX, which reported a delinquency of {$200.00} on my account that I believe is incorrect. The delinquency arose due to HSBCs failure to update my contact details after I moved, as well as their lack of communication about the account. Despite attempts to dispute the report through XXXX and TransUnion, XXXX has declined these disputes, leaving my credit score significantly impacted. 

Additionally, XXXX and TransUnion appear to have used personal information without my consent, further complicating the matter. I need guidance on how to resolve this issue with XXXX and ensure the correction of my credit 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 2024-12-12 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: NY

Complaint narrative:
I am seeking assistance with a credit issue involving XXXX, which reported a delinquency of {$200.00} on my account that I believe is incorrect. The delinquency arose due to HSBCs failure to update my contact details after I moved, as well as their lack of communication about the account. Despite attempts to dispute the report through XXXX and XXXX, XXXX has declined these disputes, leaving my credit score significantly impacted. 

Additionally, XXXX and XXXX appear to have used personal information without my consent, further complicating the matter. I need guidance on how to resolve this issue with XXXX and ensure the correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to address the alleged late payment you reported to [ XXXX/XXXX/Equifax ] XXXX which you have claimed is either accurate or verified. My prior dispute, however, was not a request for validation but for the specific documentation required to substantiate this late payment. Your response is insufficient, and I am requesting a detailed explanation of how this information was verified.

Timing of Payments 15 U.S. Code 1666b Under 15 U.S. Code 1666b, a payment can not be reported as late unless : 1. The periodic statement was sent at least 21 days before the payment due date.

2. The statement included all required information per 15 U.S. Code 1637 ( b ).

To ensure compliance, I request : Proof the periodic statement was mailed or delivered, including tracking or delivery confirmation.

Confirmation that the statement met all requirements under 15 U.S. Code 1637 ( b ). Evidence the statement was sent at least 21 days before the payment due date.

Without this proof, reporting the late payment violates federal law.

Accuracy of Reporting 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must ensure the maximum accuracy of reported information. To consider this late payment verified, you must provide sufficient evidence to prove its accuracy.

Responsibilities of Furnishers 15 U.S. Code 1681s-2 As per 15 U.S. Code 1681s-2, furnishers must : 1. Conduct a reasonable investigation upon receiving notice of a dispute.

2. Review all relevant information provided by the consumer.

3. Respond within the 30-day period required by 15 U.S. Code 1681i ( a ) ( 1 ).

4. Correct any inaccuracies and notify the consumer reporting agencies.

You have failed to provide required documentation or conduct a reasonable investigation. This failure violates 15 U.S. Code 1681s-2.

Procedure for Disputed Accuracy 15 U.S. Code 1681i Under 15 U.S. Code 1681i, if disputed information can not be verified, it must be removed from the consumers file. Continued reporting of unverifiable or inaccurate information also violates 15 U.S. Code 1681s-2 ( a ).

Request for Deletion Given your failure to provide adequate verification, I request the deletion of the following entries from my credit report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Charged off ( {$12000.00} written off and past due as of XX/XX/XXXX ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I expect a resolution within the legally required timeframe. If the information can not be verified, it must be removed from my credit report immediately.

Company response to consumer: Closed with explanation