vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America regarding a disputed charge for {$1600.00}, referenced by claim number XXXX XXXX XXXX XXXXXX/XX/XXXX, I discovered an incorrect charge on my Bank of America account from the XXXX XXXX I contacted Bank of America to dispute this transaction and was granted a temporary credit while the matter was investigated. I provided Bank of America with supporting documentation that clearly demonstrates the XXXX XXXX XXXX error in charging my account. Despite this evidence, Bank of America denied my claim and the temporary credit was revoked. I then submitted a reconsideration request with additional evidence, but this was also denied. I have been unable to receive a clear explanation from Bank of America regarding the reasons for the denial. I believe Bank of America has mishandled this dispute and failed to adequately investigate the validity of my claim. This has caused me significant financial hardship. I request that the CFPB review my case and assist me in resolving this matter with Bank of Of America. I would like the disputed charge of {$1600.00} to be permanently removed from my account.It is XXXX  and I still do not have my funds back in my account.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I recently disputed an account on my consumer report for having an incorrect balance with the account number XXXX it is a charge off and the balance keeps increasing. the account was charged off for XXXX and now the balance is reporting as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Currently, I am unemployed and facing XXXX XXXX I have an Involuntary Credit insurance for the loan XXXX XXXX XXXX. I submitted the paperwork to XXXX XXXX to begin paying the loan as of my last day of work XX/XX/XXXX. I spoke with corporate customer service about credit insurance, being unemployed and the to end the draft from my account. 

I received a letter dated XX/XX/XXXX stating a refund of {$800.00} was due. Once receiving the refund, the check was for {$600.00}. No explanation was provided for the lesser amount. And, OneMain continues to draft my account for loan payments even though I requested a halt on the draft. My accounts are overdrawn due to the continued drafting of my accounts. 

This company is difficult to work with and provides poor service after the loan process. I would like the full amount of {$800.00} refunded. I would like compensation for the overdraft fees caused by the continued drafting of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: SC

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-10 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: FL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete and inaccurate information. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2024 I made a payment of scheduled monthly payment of {$530.00} ( Confirmation Number : XXXX ) to WSFS Bank. I was in the process of selling my home and requested a loan payoff amount through the title company. The final payoff amount was XXXX and was wired on XX/XX/2024 at XXXX central time to Wilmington Savings Fund Society, FS. 

As of XX/XX/XXXX I haven't received documentation stating the loan has been paid in full or refund for over payment. I was informed both were mailed to old address but I never received via mail forwarding despite all other mail from entities have been forwarded properly. 

I went to bank branch to update mail address and requested case to be open to investigate if account has been actually closed and how to request refund.

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 2024-07-10 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: King of Credit Financial, Inc
State: CA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to your credit bureau. 
Please remove this account immediately as Im taking legal action as my rights are being violated. This creditor used this account as a tax write off in XXXX which in turn makes this considered income and they are continuing to report false information I would like this creditor to send all documentation pertaining to this account. Now that Im calling them out on their inconsistencies They are Lieing and making an assumptions like this manager XXXX said Im trying to remove a defaulted loan, when its not a defaulted loan as they have already used this account in XXXX as a tax write off, all their doing now is continuing to furnish my information which is a violation of my rights I have asked them multiple times, with no response until I contacted the state attorney then they responded with what theyre saying now which is lies and fabrication of the truth they have never sent me a 1099-C form in XXXX cause in XXXX they were still reporting this account to my credit report, they are now falsifying documents which I have now with incorrect spelling an also no verification and validation documentation I requested only when I contact the state attorney and cfpb they will respond. They continue to violate people/consumers rights as the people/consumer are not educated on the rights they have. But now I know my rights and I will continue to fight until they remove this and stop reporting to my consumer reports. I asked them to remove my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
A collection was added to my XXXX I dont know where this debt came from original creditor is XXXX XXXX XXXX XXXXXXXX and I have never dealt with this company it is now with collection bureau of A. Amount XXXX acct # XXXX this debt need get removed off my credit report because this is harming my credit this account has violations no accurate data or proof on where debt came from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I'm writing to express my serious concern about the negative rating on my account. This derogatory mark is significantly impacting my credit, having already led to a loan application rejection and higher interest rates on my current credit accounts. I can not overstate the financial and emotional strain this is causing me, which will persist until this matter is resolved.

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 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EGL US, LLC
State: FL

Complaint narrative:
I was told that if I refinanced a loan with BMG, they would consider my proor loan paid in full. After refinancing, they are continously marking the account as a charge off. After many calls and emails, it was finally updated to settled for less then owed, which is still not what was promised. It also means it had been reporting wrong for months and damaging my credit. Which is still not what was promised. I would have never refinanced if I would end up damaging my credit and owing 2 loans. That doesn't make any sense. I have called & emailed numerous times to get it updated & still haven't received a response or correct update. At this point, this is very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: SC

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-10 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: TX

Complaint narrative:
I've made multiple attempts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.

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 2024-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've made multiple attempts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.

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 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
Applied for on-line loan. They said they weren't able to send electronic so they sent me an electronic PDF checks. The first one my bank advised not able to cash because they weren't able to process so they deposited into my savings, which bounced. I advised them and they said it was because it was in savings instead checking so they sent another PDF and said to be sure my bank deposits it into my checking and not the savings, which they did and it bounced. I notified them if this and they insist that my bank is refusing the electronic deposit from them, which I find hard to believe. My account has been accessed {$80.00} in NSF fees along with a daily {$5.00} fee for the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account Number : 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 2024-07-10 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: NY

Complaint narrative:
To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was XXXX  tXXXX XXXX XXXX  for 10 years when I got out I had all kinds of credit account in my name that I nautrally did not make so they were disputed and granted but they continue to keep putting them back against me please help make this nightmare go away! Thank you so kindly

Company response to consumer: Closed with explanation