vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has denied my claim after 7 days. This is my second claim with the same company. First fraud claim was approved in my favor. Second fraud claim was denied. I provided as much information as I could for this. I sent in all the emails and phone calls to protect my claim. XXXX, the company that charged my card, has not responded to anything from my side. 

XX/XX/XXXX : Opened fraud claim for {$6500.00}. This is the second claim with XXXX to dispute non-authorized transactions. Was told it could take up to 10 business days for temporary credit. 45-90 days for full resolution. 

XX/XX/XXXX : Called in multiple times to have this escalated due to the severity. It was escalated from the claims team. Was told Back office team is researching and they have 1-3 Business days to respond to escalation. Explained the severity and that I was due for XXXX on XX/XX/XXXX so I needed assistance quickly. 

XX/XX/XXXX : Called in to get an update. I submitted documents proving my case. I reached out to the company at fault,10 times via email and 2 times via phone with no response. Was told back office team is still working on it and researching. No update from claims team. Was told they can not call, email or message the back office team and that I would have to wait. Expressed my concern and the severity of this. 

XX/XX/XXXX : Called in to get update. No credit and no new information was provided. Bank of America told me there was nothing they could do other than I had to wait for back office team. Was told Id be receiving credit before end of day. 

XX/XX/XXXX : Called in to get update. No credit came. Expressed my concern again. Was told that the back office team had until end of business day XX/XX/XXXX to have a resolution. 

XX/XX/XXXX : Got alert that claim was done and closed. No resolution in my favor. No update on why. Claim was reopened and re-escalated. Spoke to supervisor who requested another escalation for hardship. 

It is VERY concerning that Bank of America does not have access to information regarding claims only through the research team and that is through notations on the claim. They do not have access to email, call or message the back office research team. Bank of America can not provide any information on claims because of this. It is all left to the research team that no one in Bank of America can contact. Bank of America does not handle claims internally. I was given a whole heap of misinformation from different claims specialists. Bank of America did not do a chargeback or really try to resolve this claim.

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 2024-11-26 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: Conn's, Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I filed XXXX in XXXX of XXXX. My auto loan with XXXX XXXX was not apart of the XXXX. It was reaffirmed and not discharged in the proceedings. They erased the auto loan from my credit and refuse to report my loan or present payments to the credit reporting agencies. I have called them many times and have wrote a formal letter to request that they report my loan. This is my second complaint with CFPB because XXXX XXXX 's response was " due to a systems limitation we are not able to put your auto loan back on your credit report or start reporting now '' That did not fix the problem and there was no resolution. Nor was there anything that they offered to do to fix their system limitations. They didn't even say what the system limitation was. It is a major banking institution that has system limitations when it comes to reporting to the credit agencies?? Really? I have a loan that I pay every month on time and I deserve to have it reported to my credit. This year ( XXXX ) they deleted all loan history from XXXX til now!! They want their money every month which I give to them on time. Why are they allowed to get away with erasing my loan history, not reporting current and refusing to fix the problem?

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 2024-11-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violatedmy federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602a states I have a right to privacy 15 USC 1681 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 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 consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
To : Credit Reporting Agency Credit Reporting Agency Address if sending via Mailing Address Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$0.00} from XXXX {$1000.00} from XXXX XXXX, {$0.00} from XXXX XXXX XXXX, {$490.00} from XXXX XXXX XXXX XXXXt listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I XXXX XXXX And XXXX XXXX XXXX are currently In Litigation and have been in litigation since XXXX Putting my car in do not pay do not collect status please stop Harassing Me and contacting me about payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Back in XXXX my XXXX account was hacked and my Sony card was used to without my consent I contacted my card company to get a replacement card which never arrived I contacted them again to figure what was going on they said the address was added incorrectly updated so they updated again. My card was still sent without an apartment number after numerous calls and messages to the secure portal including talking to specialist and supervisor this issue still has not been resolved and I can not use my home address to receive my card. The card it self is a Sony card sent through Bread Financial and comenity bank. I have attempted to update my address my self and still have the same issue they will not address the system issue and instead make attempts to send it even after I explain that this is an ongoing issue and even if they enter the address correctly their system at the time it reverts to the incorrect address. Ive lost my confidence in reaching out to the for solutions. Its been almost 6 months without solution from them then telling me maybe I should just go get it from the postman is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NV

Complaint narrative:
XXXX Account XXXX : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : No Current payment status : XXXX plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX Negative marks ( XXXX ) Charge-Off XXXX Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : XXXX plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX XXXX Bank Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : XXXX plus days late XXXX Late : XXXX, XXXX, and XXXX I have no knowledge of the inquires listed below. 

Inquiries XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 2024

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 2024-11-26 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-26 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX {$1000.00} premier XXXX XXXX {$440.00} XXXX XXXX XXXX {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXXXXXX XXXX {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
Dear Equifax, I am writing to inform you that I am a victim of the recent data breach. As a result of this breach, my personal information, including my social security number and other sensitive data, has been compromised. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and delete the following accounts from my credit report : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX  XXXX account ending XXXX I am deeply concerned about the potential misuse of my personal information and the impact this could have on my financial well-being. I urge you to take immediate action to protect my identity and credit. 

Please confirm that you have taken the necessary steps to block and delete these accounts from my credit report. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed bankruptcy in XXXX of XXXX. My auto loan with Wells Fargo was not apart of the bankruptcy. It was reaffirmed and not XXXX in the proceedings. They erased the auto loan from my credit and refuse to report my loan or present payments to the credit reporting agencies. I have called them many times and have wrote a formal letter to request that they report my loan. This is my second complaint with CFPB because Wells Fargo 's response was " due to a systems limitation we are not able to put your auto loan back on your credit report or start reporting now '' That did not fix the problem and there was no resolution. Nor was there anything that they offered to do to fix their system limitations. They didn't even say what the system limitation was. It is a major banking institution that has system limitations when it comes to reporting to the credit agencies?? Really? I have a loan that I pay every month on time and I deserve to have it reported to my credit. This year ( XXXX ) they deleted all loan history from XXXX til now!! They want their money every month which I give to them on time. Why are they allowed to get away with erasing my loan history, not reporting current and refusing to fix the problem?

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 2024-11-26 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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