vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
I received the resolution letter from Bank of America - Case Number XXXX. 

Bank of America completely disregarded that their banker, XXXX XXXX, was completely unaware of the actual use of funds for the XXXX XXXX she recommended to me. I was very clear the funds would be needed for working capital to expand my business, I am not remodeling, buying a warehouse, or physical equipment. I ONLY submitted the application after verifying with XXXX XXXX that my use of funds fit this product. Bank of America customers CAN NOT submit loan applications at their own free will, you MUST have a banker assigned to you in your region for loan applications.

Every Bank of America representative states " on a recorded line '' great, so pull every phone call between XXXX XXXX and XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 

I have an extra inquiry on my XXXX credit report due to a Bank of America employee, specifically a Small Business Vice President. Clearly this individual does not have the correct knowledge or internal guidelines to recommend funding to ANY Bank of America customer. 

The simplest option was removing the inquiry of XX/XX/XXXX from my credit report, since Bank of America does not wish to do so a lawsuit will have to be filed.

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 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On before XX/XX/year> my house was foreclosed on by Shellpoint Mortgage Servicing. Which was illegal I have asked Shellpoint Mortgage servicing to show me the notes and endorsement which they can't do so because chain of title has been broken also they can't prove my home was seecutrized and foreclosure was illegal per ucc XXXX ( XXXX ) bank must prove the note

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I started my XXXX XXXX checks with direct deposit to my credit union XXXX on XX/XX/year>. XXXX XXXX XXXX I didn't receive my checks. I went to the XXXX office and after doing an investigation they found XXXX checks went to XXXX XXXX and XXXX went to JP Morgan Chase. I didn't authorize the change. XXXX immediately returned the XXXX checks but Chase says XXXX were deposited in an account and tells me since I don't have an account they can't help me. How did my money get put in an account that I don't have? I have been getting passed back and forth between XXXX and Chase for almost a year. I don't know what to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
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, Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX, Account # XXXX Account Name:XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXXXXX, Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX has violated my rights. 

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.

604 A Sect 1- States a consumer reporting agency can not furnish an account without my written instructions.

1681 c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of info or any other adverse item of information other than records of convictions of crimes which dates the report by more than 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 2024-06-04 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: CA

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, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX  XXXX, Account # XXXX Account XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name XXXX XXXX XXXX XXXX, Account # XXXX Account XXXX XXXX XXXX  XXXX, Account # XXXX Account Name : XXXX  XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX. Account # XXXX has violated my rights.

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.

604 A Sect 1- States a consumer reporting agency can not furnish an account without my written instructions.

1681 c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of info or any other adverse item of information other than records of convictions of crimes which dates the report by more than 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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2024 Bank of America closed my account and I dont why Im have only 6 months in USA I dont know nothing here Its unfairly No reason for me Because Im clear Im new in the state I just want to know whats happen If my name my social security was hacked

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I sent XXXX payments through XXXX to someone using the money my employer sent me. Then I received a phone call from a woman who claimed to be from the State. She asked my who I sent the money to and then asked me to send her the remaining. I didnt. Then boa closed my account and claimed thats its just business reason.

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 2024-06-03 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: OH

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 15 USC 1681. The account numbers reported to Equifax, XXXX and XXXX are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for Equifax is # XXXX, XXXX is # XXXX and XXXX is # XXXX, ( XXXX is different ) XXXX is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX ) is not listed on Equifax or XXXX. 

There is an account ( XXXX XXXX ) listed on Equifax in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX the reporting date is XX/XX/year>. This account is listed on XXXX as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2024-06-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX  : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA.

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 non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE ANDCORRECT the status of my accounts below : 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 2024-06-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request.

When the inquiry is for a legitimate business need related to a transaction initiated by the consumer.

For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

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 2024-06-04 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: PA

Complaint narrative:
There were fraudulent accounts made in my name. I couldn't have made the accounts because I was still incarcerated during the time. I would really appreciate assistance in this matter because I have been trying to make a living for myself and it s been extremely hard because of these items.

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 2024-06-04 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: MI

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that youll investigate these items for me to ensure accuracy Here is the item I am asking to verify as accurate : XXXX XXXX : Account Number Ending XXXX Opened On : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I am writing to formally address the ongoing presence of negative items on my credit report despite my repeated attempts to have them removed. In regards of providing thorough documentation and evidence to support the removal of these negative items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. 
Moreover, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these negative items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. 
I desire with you to prioritize this matter and take all necessary measures to ensure the prompt removal of these negative items from my credit report. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$680.00} 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 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 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 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 2024-06-04 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: PNC Bank N.A.
State: MT

Complaint narrative:
The mortgage was sold or transferred without my consent there is no contract between me and and PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm reaching out to address the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I've reported the incident as identity theft and urge prompt action. It's crucial to swiftly remove all fraudulent information from my credit report and conduct a thorough investigation. I'm prepared to provide evidence and take legal action if necessary to protect my rights. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
I'm reaching out to address the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I've reported the incident as identity theft and urge prompt action. It's crucial to swiftly remove all fraudulent information from my credit report and conduct a thorough investigation. I'm prepared to provide evidence and take legal action if necessary to protect my rights. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
i am unaware of this debt i didn't have the opportunity to dispute this debt. i did not receive proper notification of this debt. if in fact you believe i received proper notification please provide me the certified receipt with my signature proving i received the notice. 

if in fact you bought or received the assignment of debt from a third party or the original creditor claiming i own the debt, please also include the assignment of contract

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 2024-06-04 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: Nelnet, Inc.
State: TX

Complaint narrative:
I questions as a duplicate report during the reporting in XXXX In XX/XX/XXXX I am showing that Nelnet updated the account to reflect a past due that was XXXX they updated to XXXX past due. Nelnet has not owned the loan since XXXX I would like to get this deleted from all agencies. This account is XXXX and closed and it has been XXXX  years since they have owned the account and the reporting has not been correct and the disputes are not corrected

Company response to consumer: Closed with explanation