vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We were victims of check fraud. A criminal ring in XXXX Texas somehow accessed our checking information and forged our checks. They started writing checks with forged signatures on our account. The checks did not follow our standard check use pattern, the signatures are clearly forged and more importantly the checks had duplicate numbers. That is, the forged checks had numbers that were duplicates of real checks we were using. We never had checks with the duplicate numbers. Bank of America did NOT notice the forged checks. We eventually did when the criminals became more comfortable and started writing daily checks on the account. We reported the problem, did everything Bank of America asked of us, and were told the problem was handled. This was after we spent hours on the phone with Bank of America. We were reimbursed the amounts fraudulently taken from our account, so we assumed the problem was resolved. Now, 60 days after we discovered the fact, Bank of America is telling us that we are responsible for not detecting the fraud and that we are liable for the entire amount that was stolen from our account. They are denying 80 % of the claim -- even though their fraud system failed to notice that the forged checks had account numbers that were duplicates of our own valid checks. We have attempted to contact Bank of America to dispute this but are in " consumer '' department XXXX being transferred to agents who can't help or offer options.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal consumer statement, in my credit file was not made by me and is 100 % inaccurate. I have filed several disputes directly with the company and submitted at least two complaints with consumer finance. I recently received a dispute decision by mail, stating that my request was unclear and my credit file had been updated on XX/XX/2021. Still, despite that, the inaccurate consumer statement exist. Please, get them to remove it in it's entirety. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is using an automatic system E-ocasr or equivalent to verify inaccurate information on my credit report, Experian is reporting 2 separate Closed accounts with {$0.00} credit limits and inaccurate payment history. 

One XXXX card Experian is reporting a balance of {$4400.00} with a credit limit of {$0.00} with a past due amount of {$1800.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting the second XXXX card Experian is reporting a balance of {$1300.00} with a credit limit of {$0.00} with a past due amount of {$1200.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting XXXX  and XXXX  are reporting no such accounts on my credit file

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 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX DEBT Account opened XX/XX/2020 Term 1 month XXXX paid toward amount that Is due Total amount due Is {$800.00} Credit report number is XXXX report via experian Under Collections with Credence Resource Manager ... 
I didn't pay or have any knowledge of this XXXX XXXX XXXX  account opened to have paid any monies to it I indeed did not open such account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc.
State: GA

Complaint narrative:
I was never contacted or mailed any fees of the debt owed. I have tried calling and leaving messages with Alco Collections Inc since it was reported on my credit since XXXX of XXXX still no avail as of XX/XX/XXXX. Ive called the company that initiated the debt XX/XX/XXXX and was told theyll contact Alco Collections Inc. and never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Money Management International, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX, I enrolled in a Debt Consolidation program with Money Management International. There were 4 credit cards rolled into the program. XXXX XXXX & XXXX  XXXX XXXX respectively. 

As of XX/XX/XXXX, I began making payments with MMI debt program with the impression that my accounts were negotiated and that everything was being handled accordingly It was only until XXXX of this year XXXX, after reviewing my credit report, that I realized, ONE of my XXXX  XXXX Credit Cards was marked LATE three months in a row. 

XXXX, XXXX, XXXX of XXXX, were counted as consecutively late, on only ONE of XXXX  CREDIT CARDS When I tried contacting XXXX  XXXX to ask the reason, they said I had an outstanding balance during XXXX, XXXX, XXXX of XXXX. However, to my dismay, I was NOT alerted by XXXX  XXXX, nor MONEY MANAGEMENT INTERNATIONAL of the past due status. 

Had I been made aware of it at that time, I would have paid the PAST DUE BALANCE, immediately. In asking for a positive resolution, XXXX  XXXX told me to defer to MMI.

The same day, I contacted MONEY MANAGEMENT INTERNATIONAL to try to clarify the situation. Money Management confirmed that the payments were being made to XXXX  XXXX on a timely basis. That there must have been some lapse between months. 

In essence, I have the two companies pointing the finger at the other. While both tell me it's not their problem to fix. And I am now stuck with an adverse CREDIT SCORE, because of it. 

I was making a concerted effort to FIX my CREDIT, not destroy it. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
I have a recently received my credit report and noticed a bankruptcy on my report that i did not authorize or give consent I know and understand that is a violation to my right to privacy as a consumer according to 15 usc 1681 ( a ) ( 4 ) furthermore I did not give consent to this information to be furnished according 15 usc 1681b ( a ) ( 2 ) this is a violation to my consumer rights I've also contacted the bankruptcy court and have been notified that they do not report to the credit reporting agencies

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the US BKPT CT XXXX XXXX XXXX XXXX. I wrote the US BKPT CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The US BKPT CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from US BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report ( # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State Employees Credit Union is reporting false information to credit bureaus that is hurting my credit. They are reporting 4 late auto loan payments and 10 late joint loan payments with my daughter. This information has begin reporting to credit bureaus XXXX and XXXX by late fall XXXX. This information is incorrect and I have tried to dispute information over and over with credit union reporting information as accurate and its hurting my credit score tremendously. The truth is since XX/XX/XXXX I had been working with a housing specialist at XXXX XXXX XXXX XXXX in the homeownership program to improve my credit so can purchase a home. She worked with me from XX/XX/XXXX until XX/XX/XXXX checking in every 90 days to review credit progress with dealing with only medical collection accounts due to health related and establishing mixture of credit tradelines such as revolving credit since already had two installment auto and joint loans. The bad reporting of late payments were never even on credit reports until late XXXX notice my scores dropped on XXXX XXXX with utilizing over 30 % of credit limits but new remarks was added to reflect late payments. This reporting has made it hard to get approval for home loan and my housing counselor even confirmed it was never there since her helping me for XXXX year. Also I have provided proof to the bank of payments made on time with 30 days that should have never reported late. They updated their system to start reporting to XXXX  last year and this is when the incorrect information was reported and updated late payments placed on XXXX whom they were already reporting to. I have been to main branch where loans was originated and the branch manager XXXX, whom was not there in XXXX but still will not look into the matter after I have showed proof of payment. I went to different branch and the nice lady did look more into it after I showed her past receipts and money order stubs copies with dates made out to SECU with account numbers listed. She called up to SECU Credit Reporting Department in XXXX NC and spoke with a gentleman that told her to request that I go back to branch show proof and branch can call to make request to them to remove late payment for dates showing if it was not late. I have tried that method and nothing seems to work no one will help me. I even sent copies of receipts by certified mail to SECU Credit Reporting Department on XX/XX/XXXX with a letter to prove the dates that they are reporting late for both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX, XXXX  and Transunion collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian, XXXX  and XXXX  collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter on XXXX to XXXX XXXX, and Experian regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the XXXX data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: WI

Complaint narrative:
in 2018 XXXX  was cancelled ... claim by XXXX XXXX upgrade charge was due because early termination charge was due ... no update ever and no agreed charge ever took place .had the same box and service for more then 4 years contact with dish and they had no justification of charge for update which they told me they did not even want the box it was outdated and just recycle it gc services must of purchased closed misinformed account and are in a uninformed real transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: AZ

Complaint narrative:
Debt was paid and settled with MiraMed Revenue group on XX/XX/21. A paid in full letter was request and was stated to be sent however, no letter was ever received. Multiple calls were made and I was told repeatedly a letter was sent every time and would arrive every time in 5 days and it has been a month. They also informed me the credit beauru would be updated and to date the accounts still show as in collections with a balance. I have continued to call and ask for Both a letter and for the account to be updated with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have sent multiple documents asking LVNV Funding to verify alleged debt by providing proof of contract. LVNV has been given ample time and plenty of opportunity to provide a legitimate contract and have failed to do so at every turn. They are in default and must remove the debt from my credit report, and pay damages for falsely reporting and damaging my name and credit worthiness for so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation 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 The following inquiries are unauthorized : XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reviwed a current copy of my credit report and show inaccurate on incompleted information listed to my credit report. I sent a request for investgation to Transunion with to an alleged public record listed of bankruptcy. I recieved incompleted on unverified information back from transunion states that alleged public record verfied per data funisher. I understand that per the law of FCRA under permissable purpose. That I have not given any funisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investagtaion to the matter and request lawful reply.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the XXXX XXXX CT XXXX XXXX XXXX XXXX. I wrote the XXXX XXXX CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The XXXX XXXX CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from XXXX BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.

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