vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had a account with Bank of America during the year 2012 when the bank was charging XXXX dollars for overdraft fees and repeated with the same XXXX dollars for the sam over draft fee multiple times.

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NE

Complaint narrative:
My account was hacked I gave them identity materials to prove my identity and I have not gotten anywhere with them my account was hacked on the XXXX XXXX and several charges have been made I am completely logged out of the account they changed my phone number and my password to the account and also took money from my sons account that is linked I use the online banking app current. XXXX XXXX is my name on account my id is in my married name XXXX I am divorced and I do have my divorce attached with my maiden name and married name I can also provide birth certificate

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
I XXXX XXXX have accounts and inquiries on my credit reports.

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 2023-12-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights and are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023, the credit reporting bureau XXXX Equifax XXXX acknowledged that there were in receipt of my dispute and were still working on the issues. On XX/XX/2023, I checked my credit report and the above accounts still reflect as a negative mark on my credit report. 
Again this is a violation of my rights under the FCRA 15 U.S.C. 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; also states that the consumer reporting agency can not furnish an account without my written instructions. 

In my initial request to the credit reporting bureau on XX/XX/2023 ; I requested that the agency provide me proof of my written consent for the accounts listed above to be furnished. I specifically asked for the original contracts and signature, and proof within that documentation that states Im consenting for this information to be furnished. 
As of XX/XX/2023 ; I was never provided that information for any of the accounts referenced above. The inaccurate accounts are doing damage to my credit rating and I demand the accounts to be deleted from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this request. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
Galaxy international purchasing LLC, sent me a letter, claiming to show up for a court date, but I have no knowledge of this debt, nor no where the debt is coming from. They have never notified me or anything now theyre threatening to take me to court and sue me and seize my assets and freeze my bank account. I just received a letter XX/XX/2023, claiming I have a civil action against me again no clue what debt I owe or who is it from was never notified at all now Im getting threatening letters from the company I receive eight letters stating theyre going to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SEE ATTACHED DOCUMENT : CHARGED OFF, NOW RESLOVED BY FURNISHER A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. 

Additionally, a cease and desist any and all activities related to the use and disclosure of my consumer information, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. As a federally protected consumer, I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given XXXX XXXX under the provisions of 15 U.S.C. 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights and are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX  the credit reporting bureau ; XXXX XXXX acknowledged that they were in receipt of my dispute and were still working on the issues. On XX/XX/2023, I checked my credit report and the above accounts still reflect as a negative mark on my credit report. 
Again this is a violation of my rights under the FCRA 15 U.S.C. 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; also states that the consumer reporting agency can not furnish an account without my written instructions. 

In my initial request to the credit reporting bureau on XX/XX/2023 ; I requested that the agency provide me proof of my written consent for the accounts listed above to be furnished. I specifically asked for the original contracts and signature, and proof within that documentation that states Im consenting for this information to be furnished. 

As of XX/XX/2023 ; I was never provided that information for any of the accounts referenced above. The inaccurate accounts are doing damage to my credit rating and I demand the accounts to be deleted from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this request. 

Thank you for your time and help in this matter.

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 2023-12-27 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: Open Dealer Exchange, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all XXXX  credit agencies ( XXXX, XXXX and XXXX ) to delete this inaccurate information from my credit reports. XXXX days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my XXXX request to have this information corrected and deleted. As of today it has in excess of XXXX  days with no resolution. I am reaching out for your assistance in expediting this matter. 

Here are inquiries in question that need to be removed : These are reporting on XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize please delete. 
700 Credit XXXX XXXX XX/XX/XXXX I did not authorize please delete. 

These are reporting on XXXX : XXXX XXXXXXXX  XX/XX/XXXX I did not authorize please delete. 
XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 

These are reporting on XXXX : XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX MXXXX XXXX XX/XX/XXXX I did not authorize please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraud Alert on credit report since XX/XX/2023 while trying to look for a new apartment on Transunion could not remove and would not explain since I disputed all incorrect addresses, names and other misinformation I could not get into my Transunion account to unfreeze credit report I called and was told to wait 24 hours and call back when I called back they did something and I was eventually let into the account after verifying information after one agent told me there was no information to verify taking even more days to get help. The Fraud alert shows up and so does information form tenant screening when I have no evictions on my public record I have disputed this many times with Transunion and XXXX XXXX XXXX with no help I asked for a debt validation letter with signatures from all parties involved and they refused to cooperate only being hostile and rude saying they will not send me anything.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on my consumer report that included my previous address history, phone number and names that are associated with me are incorrect. I need to get this fixed please.

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 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX I attempted to add {$100.00} to my XXXX account with a {$500.00} AMEX gift card I had received from my employer as a holiday bonus. This resulted in XXXX temporarily suspending my account due to " suspected fraud. '' XXXX XXXX, I attempted to use the card on XXXX to try to purchase a {$350.00} stand mixer for less than the balance of the AMEX gift card. This was declined. 
On the same day, I tried to purchase the same {$350.00} stand mixer on XXXX to the same rejection of the gift card. I immediately tried to purchase the same {$350.00} stand mixer on XXXX and the payment was rejected again. 

All of the above purchases were well below the balance of the Amex gift card, and at least one of the above companies should have been able to succeed in processing the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Approximately one month ago, I received a credit card I did not apply for from XXXX XXXX. I called and reported it and they sent me a letter stating that the account was cancelled. XXXX XXXX I received notification from Wells Fargo XXXX XXXXXXXX stating they needed more information for a credit card I did not apply for. I called them both, reported the fraud and it was cancelled. Today, XXXX I received a note from XXXX for a change of address I did not make. I have made a report to XXXX XXXX XXXX today, XX/XX/XXXX and froze my credit.

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 2023-12-27 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: GA

Complaint narrative:
on XX/XX/2023 i check my personal credit report which i required from XXXX. I noticed unauthorized credit inquiries and accounts had been made. i did not approve these inquiries or the accounts and they are fraudulent. i submitted a report XXXX XXXXXXXX XXXX and sent out letters to the bureaus to get the inquiries and accounts removed. however, i feel they are not taking it seriously so I'm submitting a report with cfcb now to see if they can help me fix this issue.

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 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MI

Complaint narrative:
I was given a gift card as a present, I registered the gift card as they requested, and when I went to use the gift card, it declined. After calling the company, they told me it was locked for fraud, and I had to wait one hour. I waited well over the one hour and attempted to use it again, only to still have it decline. When I called back, they said I now had to wait 24 hours because of suspected fraud, even though, I already cleared out that I was the one using it. I have looked into the issuer of this gift card and this seems like a common problem and people are often not available to use the funds. I am worried they will keep locking the card and I will not be able to use them.

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 2023-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We drew our HELOC in XXXX. First interest payment was due XXXX. Old bank account was linked to Citizens and payment failed. I called to ask for help getting new payment method set up and payment submitted. They helped me set up autopay, not to cover the now late payment. 

Got a notice it was overdue - husband called on XX/XX/XXXX and gave new bank account information and submitted payment verbally. 

Got a notice on XX/XX/XXXX that didnt go through. Spent 90 minutes on the phone with customer service over 4 separate phone calls including : XXXX different stories on why payment on XX/XX/XXXX didn't go through ( bank account closed, bad account number given, improperly submitted online ) all of which they later acknowledged weren't true refusal to put us through to a manager Attempt at convincing us to NOT request the tapes for our prior phone calls inability to explain how we now owe over {$1400.00} in interest payments on a {$900.00} payment. Couldn't explain rate, when it accrued etc. 

This seems like they are tryin to get us to miss a payment so they can charge us unfair and exceptionally high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America XXXX XXXX i did not authorize them to put a hard inquiry on my credit report I was a victim of identity theft.

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 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I was on hold with NelNet for just shy of 2 hours. Someone answered the phone, took my name and social security number, and then disconnected the call. All I need is the account number so I can make a payment. I do not have another 2 hours to wait to get this information. I can not log into the online system because I am the co-signer and the student borrower has defaulted on their loan, thus leaving it to mess with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NJ

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-27 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I have called Mr Cooper a dozen times & can never get a representative on the phone. Each time I have to go through at least 10 minutes of unnecessary recorded messages before I can get to a menu option that is supposed to connect me to a representative. Their system supposedly transfers me to a wait queue then keeps me on hold another 5 minutes all the while telling me someone will answer shortly then it hangs up on me. My mortgage was with XXXX XXXX & it was not my choice to have my mortgage with this sham Mr cooper company & at this point I dont believe anyone works there. Please shut this scam company down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Account Number : XXXX Date Opened : XX/XX/XXXX  Account Type : Collection Status : Collection account. {$1100.00} past due as of XX/XX/. 
Status Updated : XX/XX/XXXX  demand that [ XXXX  ] correct or remove these inaccuracies promptly. 

Additionally, I would like to bring to your attention the relevant credit reporting laws governing this matter, including : 15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information to consumer reporting agencies when the information is known to be inaccurate. 

15 USC 1681i ( 5 ) : Requires consumer reporting agencies to modify or delete inaccurate or incomplete information.

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