vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
An agency I had never done business with is reporting on my credit report. No previous communication has ever been conducted with this company and no previous terms and conditions has been provided to me on this debt. 
These errors are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), the Truth in Lending Act ( TILA ), and 15 U.S.C. 1681 ( e ) ( b ). I am requesting that these errors be corrected and that my credit report be updated accordingly.

Under the FCBA, I have the right to dispute any billing errors on my credit card statements, and under TILA, I have the right to receive accurate and complete disclosures about the terms and conditions of my loans. If any of the disputed items are related to billing errors or inaccurate loan disclosures, I am requesting that these items be corrected or removed from my credit report. Please note never had any business with these company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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 mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX Account # : XXXX- XXXX ( reporting the same debt twice with two different account numbers. ) XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original XXXX : XXXX XXXX XXXX  ) Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX Account # : XXXX- XXXX ( reporting the same debt twice with two different account numbers. ) XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) XXXX  XXXX Account # : XXXX ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was told i was to pay a one time fee for {$1.00} to check my credit scores and now they have been trying to charge XXXX and change to my bank account and i never agreed to it. I was flagged by the bank about this being fraud and they are still trying to charge me. The pretenses where that I would get a loan if my score was good enough but I was only to be charged XXXX dollar not continuing charges and I tried deleting my account but theres nowhere to delete the account when I reached out to the company they said that the charges would be reversed, but they continue to try charging so clearly theres a scam going on here something illegal is happening and I am not reporting it 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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I filed a complaint regarding an other account I had with the same lender report in accurat late payment when I was never 30 days late They then removed the late and went into my other account I have with them that has payments auto drafted and added 3 late payments to my other account Since the payment is auto drafted is draws directly out of my account on the exact date its due 2 payments were reversed but they went through on the second try. There was never a 30 days late payment on my accounts prior to me making the complaint on my first account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
file against the three major buraus XXXX XXXX/ equifax. if the bankruptcy courts does not report to the three major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the three major credit buries. XXXX XXXX have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX  XXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on XXXX XXXXXXXX XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, 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:
file against the XXXX major buraus XXXX/ experian/ XXXX if the bankruptcy courts does not report to the XXXX major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the XXXX major credit buries. lexis nixes have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX XXXXXXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on December 1, 2007. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.

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 2023-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late XXXX Bank of America initially charged me for forced mortgage insurance that allegedly occurred in year XXXX. I called numerous times and on XX/XX/XXXX I sent BofA a letter ( attached ). BofA responed on XX/XX/XXXX ( attached ) and asked me to wait. On XX/XX/XXXX BofA sent me a letter ( attached ) which informed I was to pay {$3800.00} for forced insurance for year XXXX unless I could provide proof of insurance. 

In year XXXX I provided proof of Insurance and the {$3800.00} charge was removed as evidence by the BofA yearly Statements ( attached ) provided to me for years ending in XXXX - XXXX. I could not find yearly statements for year XXXX and XXXX. 

After 10 years it is impossible for me to re-provide proof of insurance because the insurance company informed me they only keep records going back 5 years. 

See attached documents

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 approximately XXXX XXXX XXXX cents was stolen out of the account my email was changed and the person added a XXXXXXXX XXXX  debit card and stolen my money out of the account the representative speaking with him an error said he would fix it after an hour send me email contact my bank I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Delete my alls hard inquiries in XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is # # # # # # XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
My name is XXXX XXXX . Im sending this letter to remove personal information that i do not want on my credit report. This is reporting from XXXX XXXX loan and trust. According to the fair credit reporting act 12 USC 1681 b. I have the right to privacy and accuracy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. I contacted TransUnion, XXXX and XXXX and they have no removed it from my report. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights as well as 15 USC 1538.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years.

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
See complaint XXXX. As stated in the complaint, check was allegedly sent. But I've see this claim before and that's the reason for the multiple complaints. Don't understand why this would get closed with out verifiable information that the company has followed through. Is the cfpb paid off by these big financial institutions to not actually investigate these wrong doings? Why have the cfpb if they are going to do anything and hold these institutions accountable. 
Complaint is opened so we can confirm the business does what they say. They didn't before. Actions speak louder than claims.

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 2023-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We acquired a mortgage from Wells Fargo in XXXX. My employer started bouncing payroll checks in XX/XX/XXXX. We called to arrange a late payment to Wells Fargo and explained our situation and that I was moving employers and could be late on my XXXX XXXX  payment. The lady helping us was super helpful and said ( and I can almost quote her, even after all these years, ) XXXX XXXX  I can move your payments out to XXXX XXXX and just move them to the end of the loan. We were ecstatic! About /around XXXX time we received paperwork for a forbearance. We did some research and made a few calls and it seemed it was a good thing via our calls to Wells Fargo. XXXX came and we received letters that our homeowners insurance lapsed and they ( Wells Fargo ) were going to place forced insurance on our payments of almost {$1200.00} a month. Of course we called and tried arranging some sort of alternative but, I couldnt find insurance that would insure me during a forbearance and I couldnt afford the new payment. 

Approximately XXXX XXXX, all finances were caught back up, but I could not fix our mortgage. We waited and tried a few lawyers, but, our efforts did not turn out well and we were foreclosed on in XXXX and the new owner demanded we move during XXXX withXXXX kids and XXXX foster kids. We declared bankruptcy, and that was finalized in XXXX ( ish ) that year. My facts my not be on an exact timeline. 

My belief is that if not for that rep misleading us to a forbearance, we could have handled the late payment and still have that beautiful home we wanted to retire in. 

I didnt know about the Wells Fargo settlement and the lawyers we spoke with back then told us our case was worthy, but we didnt have the finances to fight. Now in light of Wells Fargo I heard about we seem to fit that description.

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 2023-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
Opened roth ira account. Deposited {$10000.00}. Ally Bank has refused to allow access to the account for nearly a year. Deposit was in a Ally Bank subsidiary LLC account.

Ally has no LLC subsidiary account active in the state of Hawaii. Not likely to be able to sue a businiess organization that does not exist. Ally bank in the past has paid out XXXX XXXX dollars for fraudulent representations. The bank is nothing but thieves and not very clever ones.

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
My complaint is with Cashapp. They are sending out a general message saying that a technical error occurred between XXXX XXXX and XX/XX/2023 where I used my card but the funds were initially put on hold, then released back to my cash app. Resulting in me having a higher balance. And now they are recovering their funds to complete the payment. This statement is false. I dont hold much money on my cash app, so I would have noticed if I had XXXX of extra dollars in my account. 

The transactions are XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX All of the transactions were made at XXXX, XXXX states that they were not paid twice. But I can assure you that the money was taken from me twice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database . Please delete this collection 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 non-monetary relief