vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
I recently obtained a copy of my consumer report and I have found that there are violations contained in that report. There transactions being reported as late on some accounts. This is not allowed by law. More specifically the following section of the law states that 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I explain these things more in depth in a statement that I will attach to this complaint.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently obtained a copy of my consumer report and I have found that there are violations contained in that report. There transactions being reported as late on some accounts. This is not allowed by law. More specifically the following section of the law states that 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I explain these things more in depth in a statement that I will attach to this complaint.

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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I dropped my phone on XX/XX/year> @ the XXXX XXXX auction in XXXXXXXX XXXX  about XXXXXXXX XXXX. This individual changed my phone number to various accounts such as Bank of Albuquerque account, email, and my credit card information. They managed to change the password and transferred money from my bank account, I retrieved my same phone number to a brand new phone that I had to purchase, and I lost the dispute due to easy access. Here are the numbers they are using to hack into the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX is a consumer reporting agency, and I am the consumer in this case and XXXX has allowed SEQUIUM to commit this fraudulent reporting. 
I have the right to make sure my private information isn't shared or exposed, which is backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information. 15 USC 1681c ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' This account is an adverse item that XXXX is reporting with the assistance of the third party debt collectors SEQUIUM without my permission, which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) states, " 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. '' 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures and allowing SEQUIUM To fraudulently manipulate and report inaccuracies upon my consumer report. The worst part of all of this is that I never had nor implied any contract with SEQUIUM for them to have my personal information neither do I owe XXXX, the original creditor, any outstanding balances so where did SEQUIUM steal my information from is beyond me and I need to get to the bottom of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently obtained a copy of my consumer report and discovered that XXXX credit is reporting my credit limit incorrectly with Transunion. My credit limit is being reported as {$0.00} when infact my credit limit with XXXX is at least {$17000.00}. XXXX credit 's website shows that my credit limit has increased to {$17000.00}. Please update and correct this account 's true credit limit. Thanks Also I am NOT known as XXXX XXXX or XXXX XXXX as it is being shown on my consumer report by Transunion. I am ONLY known as XXXX XXXX and that is the name that appears on my state issued ID and drivers License.

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 2024-02-17 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: FL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question 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 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 2024-02-17 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: FL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question 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 2024-02-17 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: Velocity Portfolio Group
State: NY

Complaint narrative:
became aware of these fraudulent loans being opened under my identity due to receiving various calls and collection notices to my home address regarding multiple auto loans. This was later followed by XXXX notices and telling my address was a po box . Over the months i had contacted police the credit agencies and banks to try impose my rights and have these fraudulent accounts and inquiries removed. These fraudulent debts and violations have caused great damage to my credit report, They need to be investigated and renoved wuth urgency.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been communicate with experian for years about my credit they always up my credit than over night my credit score drops. I even got their app and got in their experian boost and credit score help on their webb site they said get a credit card will help your score I did and paying on time I paid off some of my bills before time and they still took my score down XXXX points I open an account paid good I paid before time and still my score dropping XXXX call them many time they only say we will check into it. they say something wrong with their system .they will fix it. not true

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 2024-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I got my car stolen from me a couple days ago and Im a travel XXXX and my insurance cant help me with anything not even a rental. I have no one to rely on and Im getting help from no one. Getting a rental or canceling my lease because I pay {$500.00} a month for that car plus another {$200.00} for full coverage. Ive never been in a car accident. I dont understand what I was paying insurance for in the first place is they cant help me with this unfortunate event Im going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On or around XX/XX/XXXX I had applied for a Goodyear Tire card thru XXXX in which CitiBank is the provider. I had received an adverse action letter dated XX/XX/year> which stated that I was denied due to Insufficient number of accounts. So I looked up the term Insufficient number of accounts in which it stated : you don't have enough credit accounts on your credit report to meet that lender 's qualifications. I tried to contact CitiBank for a reconsideration after I looked at the credit report that they pulled from which is XXXX. Citicard does not have any way to reach an application manager for a reconsideration. I believe CitiBank adverse action letter is incorrect due to the credit report that was pulled from XXXX which shows 40 accounts in good standing along with over 5 years of average history. to me that doesn't not seem like a insufficient number of accounts.

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 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Aspire closed my credit card without any notice. I called to try and use my credit protection that I was paying for when I was experiencing a hardship and that is when they told me I could not use the credit protection because my account was closed 2 days prior to me calling. This was in XXXX that I called trying to use my credit protection and was told I could not because my account was closed but I received a email from Aspire on XX/XX/24 saying that my credit protection was being removed from my account. I called to ask why I was told I could not use my credit protection back in XXXX but am now receiving an email in XXXX that the credit protection was being removed from my account. I was met with no answers and the customer service representative hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the COVID-19 pandemic, I applied for Unemployed Insurance Benefits. My claim dates are from XX/XX/XXXX thru XX/XX/XXXX. Approximately {$25000.00} was approved and paid my XXXX to my prepaid debit card issued by Bank of America. I did not receive a card in the mail so I contacted Bank of America to request a replacement card. My request was denied due to my account being locked. I was referred to XXXX to resolve this issue. I attempted to contacted XXXX regarding this however, for several months I was not able to get in contact with anyone. I submitted requests thru " Ask XXXX '' with unclear and delayed responses. After weeks of no resolution, I would contact Bank of America again and would get referred back to XXXX. This continued for almost 1 year when FINALLY, I spoke to a representative at XXXX in XX/XX/XXXX who instructed me to login to my XXXX Online account and follow the prompts to verify my identity. Upon doing so, my claim would reopen and any available benefits that were previously suspended would be paid via check and sent to my address on file. On XX/XX/XXXX my documents were uploaded to the XXXX website and on XX/XX/XXXX and checks were issued on XX/XX/XXXX. In addition to this, XXXX stated they would contact Bank of America thru the proper division that is capable of making the request to unlock my prepaid card since I had a balance of {$25000.00} still remaining on my prepaid debit card. The process would take approximately 3 weeks to complete. I waited the 3 weeks before contacting Bank of America again. Once I did call for an update, Bank of America again referred me back to XXXX to get my card unlocked. It has now been several weeks with no resolution. On XX/XX/XXXX, I contacted XXXX and spoke with a Tier II representative and requested that they remain on the call with me while I contacted Bank of America on a 3-way conference call in efforts to resolve this matter. The representative agreed. Upon reaching Bank of Anerica I was transferred to the fraud department where I was asked to verify identity. The agent wanted to send a code to my mobile phone. I agreed however, was told that she was unable to complete the verification to that mobile number amd she requested another mobile phone to send another code. I gave her another number yet again, she was unable to complete the request. This happened with a email address I provided her as well. The representative then refused to speak with me. The XXXX representative informed her of his position and ID number from the XXXX. He informed her my card should be unlocked as my identity had been verified and several requests have been sent and ignored. Bank of America refused to unlock my card and then terminated the call

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX bought my information from another company without my consent nor did I authorize anyone at these companies to do so. According to The Fair Credit Reporting Act, this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: MI

Complaint narrative:
These companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX bought my information from another company without my consent nor did I authorize anyone at these companies to do so. According to The Fair Credit Reporting Act, this is illegal.

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 2024-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: MN

Complaint narrative:
Ever since BSI Financial took over my loan it has been nothing but problems. Here is a list of the issues : 1. Malfunctioning call in payment process that did not apply payments causing hours of wait time to resolve. This happened multiple times. I was forced into signing up for their automated payment process so I could avoid the phone in system to ensure my payment would be received and eliminate the customer service nightmare. 

2. Online account access is also malfunctioning, not allowing me access to my documents. It has been this way for weeks, no resolution.

3. No phone based customer service. They have a number online, but there are no options to actually talk with customer service. It's only automated prompts. This forces one to use email to communicate with the company. 

Having been with several other mortgage provides in the past, this is by far the worst experience I have ever had. if I had my way I would request my loan be transferred back to my old loan provider who actual had functioning processes and customer service. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation