vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I opened for a status match against XXXX and to take advantage of a 0 % interest rate on balance transfers. 

This past billing cycle, I made a single purchase on the open statement for XXXX XXXXXXXX of {$1600.00}. When I received my bill, there was an interest charge of {$16.00}. 

Here is the breakdown of what was on the XX/XX/XXXX statement for reference : Prior statement balance : {$10000.00} ( offer for 0 % ) Purchases : {$1600.00} Balance + Purchase = {$11000.00} Payment : {$2600.00} ( {$100.00} was the minimum payment due ) New Balance : {$9000.00} + {$16.00} in interest It was my understanding that anything above the minimum payment would be applied towards the higher rate balance. My payment of {$2600.00} covered the entire purchase + some of the existing balance transfer. I was not expecting to be charged interest. 

When I went to Bank of America, I was told that no matter what I charge to the card while maintaining a promotional balance, they will collect interest on any purchase, regardless of payment made. I was also told that any payment above the minimum would go towards the higher rate balance and paying it off each cycle ( which I did ). When inquiring what my purchase balance is currently ( XXXX of XXXX ) I was told I still have {$230.00} that is collecting interest. 

If I'm following the XXXX XXXX XXXX XXXX of BoA : XXXX ) there should not be interest on my account as my payment covered the minimum payment, the entire purchase balance, and an additional amount above the minimum, and Two ) according to BoA, any additional payment above the minimum is applied to the higher rate balance. How is it that I still have a purchase balance on the current open statement cycle that was covered by my last payment made and it's collecting interest daily? It appears they are not following their own XXXX XXXX XXXX XXXX and improperly applying the payments.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX  The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

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 2024-10-23 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: TN

Complaint narrative:
XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Highest Balance Terms Responsibility Your Statement : Charge Card XX/XX/XXXX Closed Closed. {$680.00} written off. 
XX/XX/XXXX 0 % {$0.00} XX/XX/XXXX {$400.00} {$0.00} {$680.00}

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I should have XXXX hard inquires I have not applied for any credit these inquires were not authorized by me they are fraudulent

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 2024-10-23 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I have an account with Robinhood Markets , INC. On the XXXX of this month, they unveiled some new ways to invest. The day after on the XXXX and since then I have not been able to access my account or my money and the app that allows me to do keeps telling me, Sorry were experiencing a server error. I've emailed them numerous times because you can not reach them by phone. The only response I got was they received my email and they will get back to me ASAP. I have yet to get any kind of response from them to date. They have approximately $ XXXX of my money. I want to be able to access it ASAP or my attorney will be contacting them with pending charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Amos Financial LLC
State: GA

Complaint narrative:
I purchased this bank owned own home from XXXX XXXX a few years ago directly from the bank itself. The property had heavy mold and asbestos and was unfit to live which was not disclosed to me at or prior to purchase by the bank. My child and myself were feeling unwell constantly. The plumbing system was not in working order and backed up sewage into the property. During this process the heavy mold and asbestos in the property was discovered. The mortgage company never offered any type of resolution. We were not able to safely occupy the property. Spent nights sleeping in various places. Even attempted to file bankruptcy. Attorney also advised me to contact the bank for them to make some type of amends, loan modification whichever. They refused. Foreclosed. I was finally able to get one person on the phone who told me they received my prior emails for Covid or any other loan modification assistance and replied that they had no programs. The bank told me they placed the home on auction. I owe XXXX. No one bid at the auction the bank says and the bank told me they bought back the loan they hold themselves for XXXX when the property 's market value is XXXX but still would not work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

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 confidentially under USC1681 Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX I looked on my Experian Credit Report on XXXX XXXX and i noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure maximum possible accuracy of the information concerning the individual about whom the reporting relates to 15 USC 1681 ( e ) ( b ) And According to 15 USC1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In General If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a 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 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery LLC was garnishing my wages through the court. I paid in full, and my wages have been garnished twice now since the payment has been received, even after being informed that payment has been submitted. The company has had 12 business days to procure a release and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive checked my credit and recognize fraudulent accounts with inaccurate info that was not me can you please look in to this matter I have upload my id and ss for accurate info

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections 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 XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 
7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Certainly! Heres a template for a dispute letter regarding inquiries on your profile. Feel free to customize it to fit your specific situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> XXXX, Equifax, XXXX Subject : Dispute Regarding Inquiries on My Profile Dear Consumer Finance, I hope this message finds you well. I am writing to formally dispute the inquiries associated with my profile, which I believe to be inaccurate or unauthorized. My profile details are as follows : Name : XXXX XXXX XXXX XXXX : XXXX Upon reviewing my profile, I noticed multiple auto loan inquiries such as 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 Also personal information is accurate as well. Addresses, phone numbers, as well as Names are incorrect and need to be corrected and removed as well as the hard inquiries. These discrepancies have raised concerns for me, and I would like to address them promptly. 

Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information.

I kindly request that you investigate these inquiries and provide clarification regarding their legitimacy. Additionally, if any inaccuracies are found, I ask that you take the necessary steps to rectify my profile accordingly. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX should you need any further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Certainly! Heres a template for a dispute letter regarding inquiries on your profile. Feel free to customize it to fit your specific situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> XXXX, XXXX, Experian Subject : Dispute Regarding Inquiries on My Profile Dear Consumer Finance, I hope this message finds you well. I am writing to formally dispute the inquiries associated with my profile, which I believe to be inaccurate or unauthorized. My profile details are as follows : Name : XXXX XXXX XXXX XXXX : XXXX Upon reviewing my profile, I noticed multiple auto loan inquiries such as pXXXX 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 Also personal information is accurate as well. Addresses, phone numbers, as well as Names are incorrect and need to be corrected and removed as well as the hard inquiries. These discrepancies have raised concerns for me, and I would like to address them promptly. 

Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information. 

I kindly request that you investigate these inquiries and provide clarification regarding their legitimacy. Additionally, if any inaccuracies are found, I ask that you take the necessary steps to rectify my profile accordingly. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX should you need any further information. 

Thank you for your assistance. 

Sincerely, 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/XXXX, I REPORTED TO TRANSUNION THAT THE FOLLOWING INFORMATION IS INCORRECT : XXXX. MORTGAGE HISTORY. SHOWS NONE. I HAVE HAD SEVERAL MORTGAGES GOING BACK TO 1983. 

XXXX CREDIT HISTORY. TRANSUNION REPORTS 30 YEARS. I AM OVER XXXX AND CERTAINLY HAD CREDIT BEFORE I TURNED XXXX. 

XXXX. NOT ENOUGH ACCOUNTS. TRANSUNION REPORTS NUMEROUS ACCOUNTS. WITH XXXX IN CREDIT AND XXXX PERCENT UTILIZATION, WHY DO I NEED MORE CARDS? 

Transunion failed to address these issues.

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