vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a Home Equity Line Of Credit with Bank Of America and I am in the process of selling my home. The closing date is next week on XX/XX/XXXX. When my attorney did a title search, two HELOC liens from XXXX XXXX XXXX came back. One lien is dated XXXX, XXXX in the amount of $ XXXX. The other lien is dated XXXX, XXXX in the amount of $ XXXX. I only have one active loan with XXXX XXXX XXXX XXXX XXXX amount of $ XXXX ( approximately $ XXXX now ). In XX/XX/XXXX, I was given a issued a $ XXXX line of credit. In XXXX, XXXX, I was given a $ XXXX increase, allowing me to borrow up to $ XXXX in equity. Unfortunately, the bank never released the original XXXX for $ XXXX and there are two liens on my property from XXXX XXXX XXXX XXXX XXXX XXXX and $ XXXX ). I have called and emailed the XXXX XXXX XXXX requesting that they issue a lien release for the initial loan. I have gotten nowhere. Customer service has no record of my initial loan number and I have been told that it could take 15-20 days for the research team to resolve this. My closing date is on XX/XX/XXXX and I need to resolve this issue prior to that date. I appreciate your time and consideration and look forward to your reply. Thank you. 
Best, 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 2022-08-26 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: PA

Complaint narrative:
The IRS publication states charge offs or a 1099C as gross or ordinary income. 
Income does not get reported on the consumer report. If income does not get reported on a consumer report, then why is a charge off being furnished as a DEBT? If the IRS says by definition, it is income, then these accounts listed are being reported as inaccurate and they have violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX According to : 15 USC 1681a - I have the right to Accuracy, privacy and fairness of credit reporting 15 USC 1681e ( b ) - Compliance procedures ; Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681a Section 603 subsection K- Definitions ; rules of construction. Due to this inaccuracy of my credit report I have been denied opportunities that has also violated my rights based on the Equal Credit Opportunity Act I demand that the above charge off account be DELETED from my 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 explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a natural person and I am a living human being I have rights under 15 USC 1683. Those right are continually being violated by Transunion. With transunion being governed by 15 USC & in accordance to the fair credit report act my rights have been violated not only numerous times but continually after direct disputes have been made on my part against transunion directly. I demand all accounts as well as misleading, incorrect & falsified items of information be deleted immediately. These incorrect addresses, miss spelled names as well as accounts that should have been deleted a long time ago are having a negative effect on my credit score & has tremendously interfered with the accuracy of interest rates that have been applied & or given to me. The accounts, collections & inaccurate information that I demand be deleted & removed from my transunion credit report/ score are listed bellow. 
Collections : XXXX XXXX XXXX $ ( collections ) XXXX XXXX XXXX XXXX $ ( collections ) Student loans : Deptmnt of EdXXXX XXXX XXXX all money 's & multiple accounts ) Incorrect information : Addresses. 
Inaccurate spelling of name ( s ). 
Laws & right violated Also 15 USC 1681 sec. 602 ( a ) states I have the right to privacy.

15 USC 1681 sec. 604 states a consumer reporting agency can not furnish an account with out written consent 15 USC 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person in knows or has reasonable cause to believes that the information is incorrect.

Above is Transunions reasonable cause to believe the information is incorrect

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 2022-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XXXX XXXX Equifax is showing I have a balance of {$4900.00} on my credit report from XXXX XXXX This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to XXXX XXXX Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
To whom it may concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of XX/XX/2022 is reporting to be over 30 days late. 

I contacted the company Ally Financial and spoke with representative XXXX ( the representative would not provide a ID number. 

The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. 

The company would not provide any information over the phone and will send a payment transaction via mail.

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 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: SLM CORPORATION
State: FL

Complaint narrative:
I have been in school and I am still currently in school. However, SALLIE MAE has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX from XXXX for my XXXX XXXX XXXX for my XXXX XXXX, and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2022-08-26 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX  XXXX refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows Bank of America has not been paid

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called my bank on XX/XX/2022 same day the scam too place advised them that I was unknowingly scammed. XXXX phone number was spoofed. Call came in showing XXXX. I was told my lights would be cut of in 45 minutes because my previous payment was rejected. I was told to send the money through XXXX so it could be credited right away. First amount was XXXX. They advised me that the payment did not go through because the late fee was not added. I was told to send XXXX and the XXXX would go back to my account. I did as I was told because I was frantic distracted and was planning to call XXXX to go over my bill. So the call came in at a perfect time caught me off guard. The bank has refused to help they did not refund any of the money that was lost. The transaction was initiated by the scammer under false pretenses. We should have protection from our bank in cases like this we have no protection. At least credit the first instance as a courtesy. But to give nothing back just like that my rent money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MO

Complaint narrative:
I have noticed thaXXXX XXXX XXXX XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2022-08-26 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: GA

Complaint narrative:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GAXXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX  XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX FIN XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/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 2022-08-26 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: MO

Complaint narrative:
I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/XXXX and XX/XX/XXXX. On multiple occasions I requested XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am having ongoing issues with XXXX signature XXXX Chase credit card. 

XX/XX/2022- received an email on an outstanding balance and I had not used the card in over 6 months nor had I received statements either. I was forced to make a payment and they reported this late payment of under {$200.00} to the credit bureau. I then noted part of the balance was for a purchase I did not make. I had previous issues with Chase not receiving statements so decided to cancel the card all together during this conversation. I also reported I did not make the purchase to XXXX XXXX but did have an account with XXXX XXXX. The balance I was told was paid in full during this conversation and the card was closed. I contacted XXXX XXXX and they charged my card in their system by mistake. They credited the card promptly. 

XX/XX/XXXX, XXXX I received an email to make a payment on my card a minimum of {$37.00}. I called Chase. I know longer have this card as it was cancelled. They told me it was for a charge to XXXX. I then said I have an email that this was credited from XXXX  and I did not make this purchase. Chase said I am still responsible for this late charge as well as I already paid for this purchase but no longer have this card. I will not be paying this late fee. This company needs to be investigated for fraud as well as inaccurate reporting to the credit bureau. I have no other problems with the two other cards I use and this should not be permitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX XXXX refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows XXXX  XXXX XXXX has not been paid

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 2022-08-26 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: TX

Complaint narrative:
Equifax is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX Equifax refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows XXXX  XXXX XXXX has not been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I was posting on a XXXX page in search of concert tickets and came into communication with a woman who provided me with legitimate looking screenshots of tickets on XXXX XXXX along with her license and identification photo. I then sent her {$370.00} through Zelle at the email XXXX. After confirming that they had received the money, they said they were going to transfer the tickets through XXXX XXXX. Once time passed and I did not receive the tickets, she said that she wanted more money. I refused and she said they would return the money back and provided legitimate looking screenshots of a bank account returning the {$370.00} to my name. I have not received this money and the woman is no longer responding to my messages. My bank account has said that they can do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it XXXX concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of May 2022 is reporting to be over 30 days late. 

I contacted the company XXXX XXXX and spoke with representative XXXX ( the representative would not provide a ID number. 

The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. 

The company would not provide any information over the phone and will send a payment transaction via mail.

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 2022-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: GA

Complaint narrative:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GAXXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original XXXX : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/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