vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. 

XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ). 

- EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXX , Bank Of America , XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXXXXXX are Making the report is NOT TO BE INCLUDED on my Consumer report. 

Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, XXXX XXXX XXXX XXXX, Bank Of America, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER 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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 15 USC 1681, section 602 A. States I have the right to privacy. 15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions. 15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN ) Company made aware of these discrepancies upon origination. This investigation has exceeded 365 days. Delete from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 15 USC 1681, section 602 A. States I have the right to privacy. 15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions. 15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN ) Company made aware of these discrepancies upon origination. This investigation has exceeded 365 days. Delete from credit report immediately.

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 2023-11-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$6000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$820.00} ; 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  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-11 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for a credit card on XX/XX/23 and got denied. The credit card was Chase Freedom Unlimited. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BTS Motors, LLC
State: TX

Complaint narrative:
XXXX was taken from me. That was my down payment for a XXXX XXXX XXXX. I confidentially submitting my information knowing that I was dealing with a used car lot that wouldnt sell me a lemon. However, I bought the car on Saturday XX/XX/XXXX and by XX/XX/XXXX I was driving for groceries and an oil pressure light came on telling me to immediately stop the car. This car had been driven for less than XXXX miles. It was used solely to take my daughter to school and pick her up from daycare which is a total of XXXX miles XXXX daily. I work from home so I instantly drove home daily. This was very upsetting to me because I had just spent all of my money on this car because I have to take my daughter to school daily since the bus doesnt run to my apartment because we live less than XXXX miles away from the school. My car was then towed back to the shop and kept for around XXXX hours leaving me with no transportation to take my child to school. I got the car back on Friday XX/XX/XXXX and no one let me know that it was ready. I called multiple times to see when it would be complete. I was lied to once by the XXXX XXXX who let me know that my car payment would not come out of my bank account since the car was having problems. Not only that, before I left the car lot I was advised that I could set up monthly payments. After the car broke down I called to request my down payment back and XXXX informed me that I would have to wait until after the car was fixed to see if it was fixable and also that if it wasnt, they would just put me in a different car. Which is insane because I hated every other car that they had. It was either full of dog hairs or just extremely out of date. Friday morning low and behold.. the car payment was deducted from my account. XXXX also let me know that I would be able to schedule my payments monthly, I went up there and spoke to him face to face and watched his lips shake nervously as I questioned him about it. All he could say was you have to pay forward in order to pay monthly why would I pay ahead on a car that has broken down? That was also insane. I was also informed that I XXXX have to pay half of the price to fix the car when I called to check on it but there was absolutely no way I was going to do that. I was also informed that the toy company coming to get the car was technically supposed to come out of my bank account. This car lot is shady. As I sit here and type now, XXXX wondering if the car will continue to work or if they just bandaged it to make it last a few more months. XXXX hoping that this message reaches the right person and XXXX able to cancel this contract and get my down payment back. Its hard to live and stay sane knowing that XXXX dealing with a shady car lot and also knowing that my car could break down again any day. Its frustrating that car lots do people this way to get over on them.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-11 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to dispute an account that was opened without my knowledge or consent. The account in question, held by LVNV Funding LLC, was allegedly opened by an ex-girlfriend I dated 10 years ago. I have no affiliation or agreement with LVNV Funding LLC or Prosper Funding, the original creditor. 

This unauthorized account has had severe negative consequences on my creditworthiness, leading to credit denials and difficulties in securing residency. I believe this account 's presence on my credit report violates the Fair Credit Reporting Act ( FCRA ) and its provisions on accuracy and fair reporting. 

I have already contacted LVNV Funding LLC to dispute the account directly and informed them of my status as a victim of identity theft. Despite my repeated efforts to dispute the account, they have continued to report it as valid, disregarding my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 2023-11-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Hello, My debt was acquired in XXXX originally through XXXX XXXX it has been 6 years since the debt was obtained and the debt then sold to XXXX XXXX XXXX and they refused to acknowledge my legal obligation to this collection is no longer applicable.

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 2023-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NC

Complaint narrative:
I noticed on XX/XX/23 that my account with Laurel Road was restricted. I called the number provided and the representative advised that it was being investigated for fraud. I didnt understand why, so I sent a follow up email that same day. Since then I have continuously been ignored or advised it is still under investigation. They advised they closed my account and then asked for proof from my checking account that the funds were deposited to Laurel Road. I sent this as requested and still nothing has been done. My account is still restricted and I have no access to my money they have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-11-11 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:
My direct deposit was not deposited. 

I have tried to contact the bank through all means and unable to speak to anyone or get through the line. 

I have numerous bills coming up and due to being a victim of fraud in the last three weeks I am concerned with my banks ability to keep my money secure leaving me unable to feed my family.

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 2023-11-11 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: OH

Complaint narrative:
additional new detail on complaint XXXX XX/XX/2023 had an escrow refund check issued by Loancare to Property owner in the amout of XXXX as in original complaint. 

On XX/XX/2023 Loancare executed a refer to maker notice to XXXX my personal bank on the above check. 

Loancare did not notify me in any manner and Ionly found out when bank called to explain. 

Called Loancare and multiple people had no knowledge or information regarding the above transaction. 

This {$11000.00} is escrow monies and should at least be in the Loancare escrow account or applied to delinquent property taxes. 

As of XX/XX/2023 this money has not been accounted for in any manner by Loancare, taxes and penalties remain unpaid, and Loancare escrow account does not reflect the above check amount being deposited in escrow account, and Loancare personnel do not have any information to clarify.

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