vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Identity theft- Did you receive my original description? 
-Must have hacked my email account. 
-My cell Phone account thru XXXX XXXX, changed to a phone fraudulently purchased on my account- I called and corrected/they know fraudulent activity. 
- {$5000.00} worth of furniture ordered on XXXX credit card to a address in Florida. Called XXXX  and reported as fraudulent. Closed account. XXXX still sending me texts about furniture being delivered. 
XXXXBank of America Visa account showed {$20000.00} transfer to another bank. I went to Bank of America and reported- they called their fraud line with me. An {$800.00} XXXX  transfer fee had also been paid. Now still {$20000.00} debt showing online and Bank of America wants my claim in writing with additional info. They did not contact me. I had an email when I went back and checked- stating my transfer went thru. 
-I do not check my email every day. But I always have my cell with me and did not receive a text from Bank of America! I did not receive a call identified as Bank of America! 
-I have changed all my passwords. Closed XXXX account. Locked my new Visa Charge card from Bank of America. I plan to make a police report tomorrow. My Son in law Scrubbed my computer. 
-I just want this to go away. Can You help me?

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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
The banker misled me into believing that this business credit card account was not linked to my personal name or SSN. I was never late on any of my personal credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first. What would be a fair resolution to this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Penfed credit Union open account and fraudulent account opened credit card checking and unknown account

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 2024-08-11 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: CA

Complaint narrative:
XXXX XXXXXXXX is on my credit report twice due to identity theft. I was told to file a identity theft report with the Federal Trade Commission and these two closed accounts would be removed. I previous sent a police 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 2024-08-11 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: TX

Complaint narrative:
I disputed results with all 3 Bureaus, this is my second time going through this process ; as they only solved part of the problem. I am a VICTIM of identity theft, I reported this to these companies and they have either only resolved part of the problem or haven't taken action at all. I was even accused by XXXX via our secured correspondence of making an error. When I clearly stated that I have been, again, a victim of identity theft. And I am being discriminated against because of it. It's causing alot of problems in my life. I just want someone to do their job! My data has been a part of a list of data breaches and used improperly. It's not my fault! I'm just trying to clean up the damage, and these companies are doing bare minimum and it's taking a toll on my life. Please review their processes. 

The following Inquiries were unauthorized uses of my consumer report across all 3 credit bureaus. Remove immediately. 
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 explanation
Consumer complaint received 2024-08-11 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: CA

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 Has violated my rights 15 USC 1681 Section 602 A, states I have the right to privacy 15 USC 1681 Section 604 A Section XXXX states a consumer reporting agency can not furnish an account without my written permission

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 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
In or around XXXX, XXXX, Helvey & Associates sent me an alleged bill for the amount of {$1100.00} and in that alleged bill it stated that if I wrote to them by XX/XX/year> they must stop collection on any amount I disputed until they sent me information validating that I owe them the debt. On XX/XX/year> I sent Helvey & Associates a certified letter of dispute requesting that they verify the debt according the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that is competent evidence bearing my signature, showing that I have, or ever had some contractual obligation to pay them the alleged amount. Helvey & Associates failed to provide proof of the debt but instead sent me a letter threatening to put a negative mark on my credit report ( s ) if the debt ( that I do not owe ) wasn't paid in full by XX/XX/year>. I then sent a second certified letter informing Helvey & Associates that they have yet failed to provide me with any viable evidence, bearing my signature, showing that the account is being reported accurately. It has now been 30 days since Helvey & Associates received that second letter and has yet to respond or provide the requested information. 

Attached are receipts that verify Helvey & Associates signed for my letter on XXXX XXXX and XX/XX/year>. They have failed to provide documentation to validate this alleged debt and have violated state and federal laws. Helvey & Associates is in violation of the FCRA and the FDCPA. The attached documents are the alleged bills from Helvey & Associates and receipts and letters of dispute sent by myself. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Back in XX/XX/year>, I used XXXX XXXX to look up loan offers, I applied for a loan through One Main Financial. When I first spoke to someone she said the loan XXXX was on vacation and would be back soon. I waited a few weeks then forgot about it. On XX/XX/year>, I got a call from someone who had all my information, he said my name and had whatever else info he got from the One Main financial company. They scammed me and tricked me into sending them money through bitcoin on XXXX. They lied and never sent me the loan of XXXX XXXX I was scammed by people either impersonating the company or people who work for the company and are doing bad things. I cant get a refund on XXXX. They have all my information, my social and my ID, my banking and routing .. etc.. They scammed me of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: FL

Complaint narrative:
See attachments. 
Per US Bank XXXX in XX/XX/2023, " consumer needs to reapply for the unemployment forbearance. '' XXXX reapplied and faxed a second application to US Bank XXXX today. Consumer is isolated and getting NO ASSISTANCE ANYWHERE HERE IN FLORIDA to mediate this issue with US Bank 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 2024-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/2024 I submitted a dispute to XXXX due to payment history errors/discreptencies. My credit report shows inaccurate dates of my vehicle reposession. Under the Fair Credit Reporting Act I am wanting a removal of account due to inaccurate information. The dispute came back as " accurate '' ( was not resolved ) and the lender has failed to remove the account even after investigation. 

In addition to the discreptencies, I contacted my XXXX ( XXXX ) and requested a receipt of refund/payout to either myself or the lender due to loss. Unfortunately XXXX XXXX has failed to provide me with the requested information and has no records. My vehicle was a loss and I never received a letter by my GAP insurance of any payment to myself or the lender? 

This unfortunate circumstance has negatively impacted my credit drastically and would appreciate some assistance with this investigation for accurate information. I am attaching a screenshot of the discreptencies from the lender. 

Thank you for your time with helping me with this complaint.

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 2024-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: KY

Complaint narrative:
I took a student loan from Edfinancial Student Loan Services. I took the loan out XX/XX/XXXX. It was {$1700.00}. I then paid for this loan on XX/XX/XXXX. I closed the bank account that I paid for loan with a few months later. Edfinancial did not start calling or emailing me that they " did not receive my payment '' until late XXXX. I was told during one phone call that the money was returned to me, even though I never received the money back into my account. They then told me XX/XX/XXXX that they did not receive the money due to " insufficient funds. '' This is untrue because I had sufficient funds in the bank account from the time of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
These accounts are fraudulent are reporting inaccurately. Please removed them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: IN

Complaint narrative:
I see there are 9 hard inquiries in my credit report that I dont know and I didnt give any consent.some are repetitive.these inquiries affected my credit score 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 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX is on my credit report twice due to identity theft. I was told to file a identity theft report with the Federal Trade Commission and these XXXX closed accounts would be removed. I previous sent a police 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 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX  is on my credit report twice due to identity theft. I was told to file a identity theft report with the Federal Trade Commission and these XXXX closed accounts would be removed. I previous sent a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: MS

Complaint narrative:
XXXX XXXX XXXX open account and fraudulent account opened credit card checking and unknown account

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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Applied online for credit card with balance transfer option, approved and asked if I wanted to make a transfer. Submitted info for the transfer and it said there was an error. Called CC company and they said I have to wait for the card, took close to an hour before finally getting someone to admit they didn't know why it errored and no way to find out why but now have to wait. 

That is false and misleading as I am unable to complete the transaction today. If I had known this was going to be an issue I would have screenshot the error I received. This account already exists on my account profile and but unable to use. I expected to get it done by making a phone call. Instead got the run around and took close to an hour.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX, a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and hard inquiries appearing on my consumer credit reports maintained by you were not opened, made or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: AL

Complaint narrative:
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

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