vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I took a loan with XXXX XXXX in XXXX to pay off debt and maybe obtain a vehicle, they have been ok for the most part except for recently when my credit report was falsified with payments that were NEVER LATE DUE TO THEM GIVING ME LEEWAY DUE TO MY FINANCIAL SITUATION DUE TO JOB LOSSES FROM XXXX XXXX XXXX  LEAVING ME WITHOUT INCOME, EVICTED FROM MY HOME, NO CAR, I HAVE NO FAMILY OR FRIENDS AS THEY HAVE DISOWNED ME FOR PERSONAL REASON AND I HAVE BEEN DENIED/DISQUALIFIED FROM UNEMPLOYMENT BENEFITS. I SQUAT IN VACANT BUILDINGS, MOTELS/HOTELS ( WITH VOUCHERS ), SHELTERS, THE STREETS AND PUBLIC BATHROOMS. I HAVE LOST {$140000.00} IN WAGES DUE THIS SITUATION AND NOT BEING ABLE TO WORK DUE TO MENTAL HEALTH ISSUES. I AM ALSO REQUESTING RETROACTIVE PAYMENT IN LATE FEES AND LOAN FORGIVENESS.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I took a loan with XXXX XXXX in XXXX to pay off debt and maybe obtain a vehicle, they have been ok for the most part except for recently when my credit report was falsified with payments that were NEVER LATE DUE TO THEM GIVING ME LEEWAY DUE TO MY FINANCIAL SITUATION DUE TO JOB LOSSES FROM XXXX XXXX XXXX LEAVING ME WITHOUT INCOME, EVICTED FROM MY HOME, NO CAR, I HAVE NO FAMILY OR FRIENDS AS THEY HAVE DISOWNED ME FOR PERSONAL REASON AND I HAVE BEEN DENIED/DISQUALIFIED FROM UNEMPLOYMENT BENEFITS. I SQUAT IN VACANT BUILDINGS, MOTELS/HOTELS ( WITH VOUCHERS ), SHELTERS, THE STREETS AND PUBLIC BATHROOMS. I HAVE LOST {$140000.00} IN WAGES DUE THIS SITUATION AND NOT BEING ABLE TO WORK DUE TO MENTAL HEALTH ISSUES. I AM ALSO REQUESTING RETROACTIVE PAYMENT IN LATE FEES AND LOAN FORGIVENESS.

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 2024-05-01 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: FL

Complaint narrative:
I took a loan with XXXX XXXX in XXXX to pay off debt and maybe obtain a vehicle, they have been ok for the most part except for recently when my credit report was falsified with payments that were NEVER LATE DUE TO THEM GIVING ME LEEWAY DUE TO MY FINANCIAL SITUATION DUE TO JOB LOSSES FROM XXXX XXXX XXXX LEAVING ME WITHOUT INCOME, EVICTED FROM MY HOME, NO CAR, I HAVE NO FAMILY OR FRIENDS AS THEY HAVE DISOWNED ME FOR PERSONAL REASON AND I HAVE BEEN DENIED/DISQUALIFIED FROM UNEMPLOYMENT BENEFITS. I SQUAT IN VACANT BUILDINGS, MOTELS/HOTELS ( WITH VOUCHERS ), SHELTERS, THE STREETS AND PUBLIC BATHROOMS. I HAVE LOST {$140000.00} IN WAGES DUE THIS SITUATION AND NOT BEING ABLE TO WORK DUE TO MENTAL HEALTH ISSUES. I AM ALSO REQUESTING RETROACTIVE PAYMENT IN LATE FEES AND LOAN FORGIVENESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/year> I received an email from Synchrony Bank that advised that if I continued receive a paper statement there would be an additional XXXX charge. 

I called the customer service number and was advised that I would have to sign up for internet access to the account. I am not comfortable to do this because I feel that that allows for additional possibilities for my information to be compromised. 

I feel that this is an excessive charge that is in line with usury fees. The standard interest fee is 29.99 %. 

My credit score is excellent and I do not feel this should be an acceptable charge. 

I have XXXX credit cards with Synchrony Bank. { 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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Im constantly being contacted about debt that was charged off. Its been placed on my credit report by a company I dont owe.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has unpaid debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I have sent a letter to early warning and Bank of America themselves asking for this negative mark to be removed that I dont owe.

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm not to sure what exactly happened but everything was fine my cousin transferred me XXXX to my account first she did XXXX to make sure it was fine it went through she sent me the other XXXX the money was excepted in my account they even deducted XXXX $ from it for account fees but when I went in to withdrawal some money all of a sudden a error popped up so they said for me to speak to a banker and the banker said my account was being closed that the following day they would send me a cashier 's check for the amount in my account XXXX it's been 3 years my account been closed now their saying it's a hold on the funds and there's no time frame my cousin tried to get the funds back from her bank but they said it was already deposited and excepted to my account since it was a authorized transaction that they can't do nothing that it's between me and my bank now. And they won't give me no information just keep saying it's a hold on it and they don't have a time frame this was back in XX/XX/2021.

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 2024-05-01 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EAST WEST BANK
State: CA

Complaint narrative:
In XXXX, my elderly father, XXXX XXXX, was a victim of financial fraud. East West Bank was aware that my father was experiencing cognitive decline, withdrawing large amounts of money ( about {$210000.00} ), and wiring these monies to foreign bank accounts from a joint account that my father, mother, and I held. Although we are long term bank customers where everyone knows our entire family, East West Bank did not notify our family or any government agencies about this fraud. Only after my mother and I learned about this fraud from an overheard phone conversation between my father and East West Bank and through a brokerage firm did East West Bank 's XXXX Branch Manager and the staff recount multiple instances of their interactions with XXXX about his aberrant behavior. 

We believe that had East West Bank followed the mandatory reporting requirements and taken reasonable steps such as contacting our family after the first time XXXX wired funds, we would have stemmed this financial loss. We are seeking reimbursement of {$170000.00} from East West Bank. 

Please see our XX/XX/XXXX letter to East West Bank and their XX/XX/XXXX response along with background information that was provided to the FBI in XX/XX/XXXX. 

Thank you for your help in this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I do not typically carry a balance on this store card. However, In XXXX, XXXX, I did place a charge for what I recall was {$25.00}. The payment was due on XXXX/XXXX/XXXX and was considered late after XX/XX/XXXX. My mother was XXXX and I become distracted and paid {$25.00} on XX/XX/XXXX - the amount that I thought satisfied the full balance. The minimum payment amount was {$25.00} for that billing cycle and I thought that I had paid it in full. My mother passed on XX/XX/XXXX and on XX/XX/XXXX Kohls contacted me to let me know that a XXXX payment was due in the amount of $ XXXX dollars. I can not recall the exact amount and the company will not give me access to my e-statements at this time. I explained that I did not believe that I had a balance due with them and they explained that there was a late fee because of the XXXX payment. This did not make sense to me. Nevertheless, they readily removed the late fee and my balance was {$8.00} - the remainig balance from my XXXX purchase. I paid that on XX/XX/XXXX and the balance was {$0.00}. Never were my payments 30 days late and my credit report states otherwise. I want a restoration of my hard earned credit and perfect credit rating - especially since they reversed the late fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

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. Account name : XXXX XXXX XXXX XXXX, Account Number : 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 2024-05-01 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/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 non-monetary relief
Consumer complaint received 2024-05-01 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-01 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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. I demand the removal of these incorrect addresses : 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 I demand the removal of these incorrect phone numbers : 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 non-monetary relief