vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have recently been informed that there is negative information reported by BANK OF AMERICA in the file XXXX maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : BANK OF AMERICA Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) I have recently been informed that there is negative information reported by BANK OF AMERICA in the file XXXX maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : BANK OF AMERICA Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such XXXX XXXX-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

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 2024-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I was alerted to a change in my credit report. When seeing the report it was for my ex husband 's mortgage that is solely in his name. He assumed the mortgage in XX/XX/XXXX when we divorced. I provided the assumption paperwork via email, fax and postal mail and have been calling weekly to biweekly to them with no resolution to the problem. I also contacted original mortgage company who no longer has any record of that account. They suggested filing a complaint with ex husband 's current mortgage company. I filed a report last week and was supposed to have a follow up return call within 1-2 business days and never received one. I have been calling and checking the status once to twice a week since submitting all of my documents to them back in XXXX with absolutely no resolution or explanations of why this is taking so long to handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In XXXX, my wages were garnished at waste pro. I did not know that there was a claim against me in court because during my incarceration, I was never notified of a court hearing. Upon my wages being garnished, I contacted XXXX and XXXX funding and sent him the proper paperwork showing this was not mine. I was incarcerated during that entire time. And they immediately released my funds from garnishment and told me within 30 days. It will be off of my credit report since then. I've contacted them by weekly. And every time I contact them, they act like it's a brand new dispute they open. This is not a new dispute. This was resolved back in XXXX of last year. 3 times this year, it's been suggested to me to go ahead and pay the {$1400.00} to get it immediately off my credit report. And then, after their fraud thanked us investigation, they would give my money back, they did this investigation already in XXXX of last year to refund my garnished wages. This company is holding me hostage.Of a mortgage, i'm trying to get by having me provide them XXXX times this year with the same paperwork over and over again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TomoCredit Inc.
State: CA

Complaint narrative:
Tomo card owes me {$520.00} dollars, stemming a refund from XXXX XXXX XXXX that went back to the card in 2023. 

I've tried to reach out to customer service multiple times through chat, email, phone and have received no responses. Hoping to get some or at least partial refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Public Law 73-10/HJR192 of 1933 is still in full force and effect, which states that " ... to require a payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby , is declared to be against public policy ; ... '' Public Law 73-10/HJR192 of 1933 is still in full force and effect, IM DEMANDING YOU REMOVE THIS NEGATIVE MARK FROM MY REPORT IMMEDIATELY WITHOUT DELAY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Account still reporting a balance with one of the bureaus. Showing different account numbers for the same account. Last reported date is wrong and showing that no information has been updated or reported. Balance is wrong. Account is paid and closed. Cant be a charge off account in XXXX then reporting that its OK and in good standing in XXXX and then back to a charge off account in XXXX. And reporting a {$800.00} balance when its supposed to show a {$0.00} balance!

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Account still reporting a balance with one of the bureaus. Showing different account numbers for the same account. Last reported date is wrong and showing that no information has been updated or reported. Balance is wrong. Account is paid and closed. Cant be a charge off account in XXXX then reporting that its OK and in good standing in XXXX and then back to a charge off account in XXXX. And reporting a {$800.00} balance when its supposed to show a {$0.00} balance!

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Mortgage was transferred from XXXX to Selene Finance XXXX XXXX time of transfer i was on a forebearance plan with XXXX XXXX Upon transfer to SELENE- they had NO record of forebearance with XXXX Selene did send me welcome letter stating that NO credit reporting within first 60 days from XXXX. A Full regular payment was made XX/XX/year> and the house was sold XXXX where the mortgage balance was paid in full. I was with SELENE for a Total of XXXX XXXX XXXX XXXX XXXX YET they reported that I had 120 days late payment. 
I requested mortgage assistance from XXXX due to having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 
Hard inquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-21 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: 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. 
Hard inquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-21 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: VA

Complaint narrative:
Good evening, I'm writing this dispute letter in reference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's LISTED AS A Charge Off on my credit report. It is unlawfully reported because it is considered income by the IRS and needs to be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: MD

Complaint narrative:
unfortunately, I am a victim of human trafficking of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-22 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: Self Financial Inc.
State: TX

Complaint narrative:
I'm greatly distressed by the negative rating on my account and its severe impact on my creditworthiness. This derogatory mark has already led to a loan denial and higher interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX  M & T credit card services acknowledges that there were funds pending for payments that had not been returned to our savings account in more than two months, but they have not applied our payment to the credit card account either. We are requesting M & T Bank to reactivate our account as our family depends on this account for XXXX XXXX  treatments. M & T also refused to give us the date when the card was closed. The M & T representative we spoke to today at XXXXXXXX XXXX stated that even though this is considered an emergency, they told us to contact a local branch, which in the past always referred us to the number on the back of the card. 
We are long-time ( over 30 years ) consumers of M & T, and in the last few years have acquired a secure card. We were informed in XX/XX/2024 that if we make a payment despite the immense fraud in our account, our credit card will remain in good standing. Our family relies on this card for accommodation and transportation for XXXX XXXX XXXX. This is our only credit card. We will very much appreciate your kindest help. 

XXXX 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 2024-07-21 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information form my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I've recently received a copy of my personal 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On Sunday XXXX the bank SOFI sent me a email request about a payment so I called them on Sunday, since they sent me an email on Sunday, my first question to them was why did you send something over the weekend that can be dealt with on Monday Tuesday Wednesday Thursday or Friday the answer that was given was a computer did come and I told the person on the phone the computer does what a person tells it to do. My complaint is not that you send something through email come is this that you sent some through email on a Sunday and email told me not to reply back to it and I requested to get the written ethics behind that from their company. I had a problem on the phone with two people in explaining to me why they did what they did that first person and I want the person 's license number it's XXXX And the second person 's license number I won't so they both can be reprimanded is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Either reprimand those two people Or do not send me anything over the weekend and you can tell that in whatever language you want to to that XXXX computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XXXX, I reported a {$300.00} unauthorized transaction stolen from my card to Chime Bank XXXX I provided evidence that I paid the XXXX XXXX XXXX XXXX for that night, and a worker there attacked my room 's privacy and stole {$300.00} from my credit card. 
Chime customer service blocked the card and informed me within 48 hours I would be refunded for the unauthorized transaction. But until today XXXX, I didn't get a refund, and every time I call they say we are investigating! or give a false promise of refund and I didn't get my stolen money. 
I need your help to get my refund back and investigate Chime for their negligence in dealing with our money. I feel very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I sent letters to settle the matter and I even sent a money or following accord and satisfaction. 

ALLY BANK/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Monday, XX/XX/2021 Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: AL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from 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 2024-07-21 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: LA

Complaint narrative:
in accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX The account number is XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. states i have the rights 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 reports 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 sgall not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe 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