vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with 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 explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.

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 2023-05-10 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: FL

Complaint narrative:
On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX  ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.

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 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I contacted XXXX XXXX XXXX regarding a debt they were attempting to collect. I had insurance thought XXXX which had a deductible for the amount of {$1700.00} which was met and over paid prior to the dates that XXXX submitted an amount for me to owe for a total of {$3400.00} and {$610.00}. My insurance was backdated which left me with a credit of {$2400.00}. There should have never been an amount owed with XXXX XXXX XXXX, which I submitted a claim against it. Now all a sudden I have two collections on my credit report from Wakefield and Associates with the original creditor as XXXX XXXX XXXX one for the amount of {$3400.00} and another for the amount of {$610.00}. I was never notified by them they attempted to collect a debt. I was never notified that it was even in collections or how I could dispute it or even any contact information for Wakefield and Associates. If I would have know I would have disputed this but I was never given the chance or opportunity or information. I still have no idea how to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit score goes down while i pay All my bills on time.

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 2023-05-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A collection was put on my credit report stating I owe XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Reported {$570.00} theres multiple inaccuracies in the file on my report the address is incorrect XXXX XXXX XXXX I have never lived at this address, also the amount owed that is reported on my credit file isnt the same amount that the debt collector is asking for. I sent XXXX XXXX XXXX a letter asking them to not contact but they did anyway with a bill asking me to pay XXXX this is inaccurate to whats being reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: NY

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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
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: SC

Complaint narrative:
Helvey and Associates are harassing me for an unverified debt of {$340.00}. Helvey and Associates flagged my credit files with unverified information and have damaged my credit scores. Helvey and Associates are debt collectors demanding a debt on behalf of XXXX XXXX of the XXXX. 
I have not received goods or services from Helvey and Associates. I am formerly requesting XXXX XXXX of the XXXX to provide contractual agreements stating the exchange of goods or services to me ; along with a permissible purpose to Helvey and Associates releasing my private information. 
Present contractual agreements supporting Helvey and Associates and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Helvey and Associates on behalf of XXXX XXXX of the XXXX. 
As of XX/XX/2023, Helvey and Associates received a validation notice via certified mail and have not replied. Helvey and Associates do not have a permissible purpose to contact me in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. 
I am not a party to current/past agreements Helvey and Associates may or may not have with XXXX XXXX of the XXXX I am not responsible for Helvey and Associates purchase / transfer from XXXX XXXX of the XXXX I have not agreed to pay/tender anything to Helvey and Associates . 
I have contacted XXXX XXXX of the XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Helvey and Associates.

Helvey and Associates do not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me.

Helvey and Associates reply outside of the XXXX XXXX, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 
Helvey and Associates., are not Holders in XXXX XXXX with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Kindly Cease and Desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So, I made a car loan payment of {$92.00} on XX/XX/2023 and it seems five days later on this day of XX/XX/2023 my balance still shows {$12000.00} meaning my principle balance has not lowered to XXXX. I think Bank of America is hearing some bad gossip about me and holding accountable and making my an unfair price of fraud.

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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I requested a withdrawal from my MoneyLion investment account on Tuesday, XX/XX/ for the total amount of {$480.00}. After waiting 5-7 business days, I checked my account only to see that it had been cancelled and not by me. A member of the team put in a ticket to resolve the issue and said I should receive a follow up email. After about a week, I called in to see what was happening. Another member put in a ticket and marked it as urgent and said that I would receive a follow up email. On XX/XX/XXXX, I wrote in to their chat to get an update. I was told that it was still under review and to send in a picture ID to further the review. I also asked to speak to a supervisor, which couldn't happen over chat. So, I was supposed to receive a call from one within 24-48 hours which has not happened. Today it is XX/XX/XXXX and I wrote in the chat to express my frustration. The issue is still under review and they can't release my money. They have no idea what caused the transaction to cancel and I don't know how much longer I will have to wait.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
This is in regard to a XXXX Account that XXXX XXXX created. I am the Successor of the Trust and have the Power of Attorney for XXXX XXXX. On XX/XX/XXXX I went to the XXXX XXXX  XXXX XXXX branch in XXXX and met with XXXX XXXX to gain access to this account. I provided legal documents as needed which were copied and sent to their legal department. I was told that I would be contacted in a week. After 2 weeks I went back to find that nothing had be accomplished on this transfer. a day later is was contacted and told that this was completed and to return to the bank to complete some other bank forms. Upon my return, I was told that my social security number was not correct and I had to return with my social security card. the card was then copied and sent to the lega department. I was then refered to XXXX XXXX to continue you with this. He told me that he needed the original Power of Attorney. I told him that I had provided it to XXXX, but he told me it was copied at that time. I brought it to him again and he copied it and sent it to his legal two weeks ago. I stopped in last week to ask him for an up date and he said that he did not receive any new information on this. I called him on Monday of this week and left a message as I would like to have him call me. He did not call and I called him again today. I left a message and he has not called back. I am frustrated and believe that there is something fraudulent going on.

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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: UT

Complaint narrative:
Hello, I have an account in Western Union Money Transfer. I have my sister 's contact and bank details stored as a receiver in my account. Between XX/XX/2022 and XX/XX/2022 somehow someone changed the bank details for this receiver. When i sent money to her a month ago, it was sent to the wrong bank account and the transaction was accepted and completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Grant & Weber
State: AR

Complaint narrative:
{$2000.00} for the alleged obligation is considered cancelled debt and should be written off, but is still being reported as past due.

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 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I had refinanced with Caliber home loans, but HUD contacted me to collect a debt that I owe them, that debt was suppose to be paid off in my refinance. 
Caliber had missed a payoff during my refinance. They messed up because the title company XXXX XXXX thats mostly owned by Caliber missed the partial claim lein that is public record. So now Caliber has put me in a bad situation. Because HUD has forward my debt to the Department of US treasury and added a 30 % penalty to the debt and is garnishing tax refunds and wages. Caliber and Caliber Fort Settlement title company should take responsibility for what was missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation