vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an email from Bank Of America ( BOA ) stating my account was ready to be uploaded and funded. I immediately contacted BOA 's Fraud Department to notify them that I had not opened an account with them. On that same day, BOA shut down the account and everything was okay. 

On XX/XX/XXXX, I received another email from Bank of America stating an account was established in my name and again I called BOA and was assured the account was shut down. The Fraud Center recommended I contact XXXX and let them know my identity was stolen and to shut down any access, to ensure BOA would not open any more accounts. I did as I was instructed to do and contacted XXXX. At the end of XX/XX/XXXX, I received a Bank of America checking account bank statement on account number XXXX XXXX XXXX stating it had a XXXX balance. As a retired XXXX XXXX, I chalked it up as the computer issued a statement in error and that should be the end of the situation. Well, today I received another statement, so I immediately contacted Bank of America at XXXX and I asked why was I receiving statements on an account that shouldn't exist. Long story short I was informed by two employees they had no idea or clue and could not even verify if a statement was truly issued. One questioned if I actually received an authentic BOA statement. 

My concern is that I was under the impression that this account was closed and or even deleted from their system and obviously if I am still receiving statements it still exists. My other concern is that Bank of America is not doing its due diligence and fiduciary duty to ensure accounts are not being opened by people with fraudulent intent. If they ran Credit Reports and not XXXX this may have given them a better look at a consumer 's information and possibly that would have brought up questions of the customer 's phone number listed and or previously listed addresses etc. This whole incident is very troubling and stressful to me. I am listing the previous account number set up under my name in XX/XX/XXXX ; the account number ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Company discharged all debts with 1099c form and has committed fraud by furnishing false account and personal information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
I am submitting this complaint to EXPERIAN due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-29 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: GA

Complaint narrative:
The car was voluntarily repossessed in XX/XX/XXXX. I agreed with XXXX XXXX XXXX on XX/XX/XXXX, to pay {$1500.00} and the account would be deleted from my credit report. I did in fact pay the agreed amount and the account should be deleted. However, XXXX XXXX states it would remove the item in 7 years. My complaint is that it still remains on my credit report after 7 years. It is going on for 8 years now. The amount has been settled, the account has been closed since XXXX and the car has been sold. The previous complaint resulted in the company removing it from XXXX. The negative item still remains on XXXX and Equifax. I have sent the company countless emails and they have not responded. I filed yet another dispute this week. I have paid the agreed settled amount and it has been more than 7 years. My XXXX report shows it should have been removed in XXXX XXXX and the report shows XX/XX/XXXX. How long will this go on? I have paid the settlement amount as agreed. I have waited over 8 years at what point do I get a chance to move forward in my life? Do to a family hardship ( the loss of my father ) I could no longer pay the car note. I surrendered the car in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
The car was voluntarily repossessed in XX/XX/XXXX. I agreed with XXXX XXXX XXXX on XX/XX/XXXX, to pay {$1500.00} and the account would be deleted from my credit report. I did in fact pay the agreed amount and the account should be deleted. However, XXXX XXXX states it would remove the item in 7 years. My complaint is that it still remains on my credit report after 7 years. It is going on for 8 years now. The amount has been settled, the account has been closed since XXXX and the car has been sold. The previous complaint resulted in the company removing it from XXXX. The negative item still remains on Experian and XXXX. I have sent the company countless emails and they have not responded. I filed yet another dispute this week. I have paid the agreed settled amount and it has been more than 7 years. My Experian report shows it should have been removed in XXXX XXXX and the report shows XX/XX/XXXX. How long will this go on? I have paid the settlement amount as agreed. I have waited over 8 years at what point do I get a chance to move forward in my life? Do to a family hardship ( the loss of my father ) I could no longer pay the car note. I surrendered the car in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
First I want to thank you for retrieving {$110000.00}. of my money. But the full amount was {$120000.00}. The did apply {$5.00} interest from XX/XX/2023 until XX/XX/2023. Id like to know where the other {$10000.00}. is.

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 2023-08-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received a debt collection letter from Credit Collection Services stating that I owe {$210.00} to XXXX XXXX ; however, Credit Collection Services never provided documentation stating that I owe them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.

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 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received online notification from all three credit bureaus on that IC SYSTEM Collections placed a Collection account on my credit report in the totals of {$1500.00}. I do not have an account or agreement with IC SYSTEM Collections. IC SYSTEM Collections violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.

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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over thirty days ago I wrote XXXX XXXX XXXX asking to validate the alleged debt and as of todays date, XXXX XXXX has not responded to my dispute.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed addresses and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/2023 I paid my credit card Balance in Full ( {$450.00} ) In XX/XX/2023 my XXXXXXXX XXXX Acct was Hacked. When my checking acct was hacked. Unknown parties gained access to my checking acct and filed claims against payments to merchants that I made from XXXX. During the investigation XXXX recalled the payments to numerous merchants... placed the money back into my checking acct and unauthorized person ( s ) took the refunded money in the amount of {$3900.00}. from my acct. Even after I contact XXXXXXXX XXXX  and attempted to stop my payroll check. XXXX reassured me over and over again they would place my payroll for XX/XX/2023 in a holding acct. That didn't happen. XXXX took my entire payroll check. 

XXXX closed my bank acct once I contacted them in XX/XX/2023 to find out why there were claims against payments. I never filed any such claims. 
I was finally able to obtain my bank statement via US Postal Service. from XXXX Bank. 

I called Capital One and a representative sent me a link to attach my XXXX Bank Acct statements : # 1 Statement- Capital One acct payment made in full XX/XX/2023 therefore I had a {$0.00} balance. 
# XXXX XXXX XXXX reversed by XXXX # XXXX Statement-Reflecting dates amt amounts returned to Capital One.

I was told at that point to allow 7-10 business days for Capital One to resolve the issue. 
I placed another call to Capital One after 7-10 business days and was advised to resend the statements because they were never received. The representative sent me another secure link to attach my proof of payment / statements ... and again I was told to please allow 7-10 business days.

I called after 7-10 business days and the representative said he had to Conference CalXXXX with XXXX XXXX  to verify if I was the sole bank acct holder. The representative made the conference call with XXXX. I verified the information needed by Capital One... Again ..Capital One representative said please allow 7-10 business days.

In the meantime, Capital One is sending me notifications that my Credit Card Acct was delinquent. Because I was afraid Capital One was reporting late payments to the credit bureaus, I made a payment on acct that I don't owe any money on.

Now today I followed up with Capital One and was told they now need the actual debit card # that was attached to my checking acct. I shredded the card after XXXX Closed my checking acct. 
Now I don't know what to do. I've complied with every request from Capital One to get this matter resolved but every time I call/ follow up I'm told there's one more thing that I have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XX/XX/2023 I checked my online account with New American Funding and found a {$300.00}. fee charged and added to my XXXX payment. They applied {$14.00} from my excess principal I paid in XXXX which left {$280.00} added to my XXXX statement. i called the company and was told they received info about a bankruptcy and that was what the charge was for. I explained I had not had a bankruptcy, and they replied they had received the info including my loan number. After several minutes of being transferred around a woman told me I would receive an encrypted e-mail with information regarding this and I need a letter of relief from the attorney. My son had declared bankruptcy, but I did not understand why his attorney would involve me. My son is living with me do to hardship but is not on the loan and has nothing to do with my finances. I waited to hear and finally sent a certified letter to his attorney, he replied through my son that he had no contact with New American about me or my loan. 
The encrypted e-mail referred to " families banding together '' as presumptive reason for this {$300.00}. charge. Although any information regarding the legal basis for the fee was not included. Also no info as to whether this is a one time fee, an on going charge and a way to force me out of my .02875 % loan It took me several days to find an attorney with expertise in this situation to get an answer as to my questions. He said this is wrong, but hiring an attorney would be an prohibitive expense to take on a major company. He recommended I file a complaint with CFPB and contact my local government representatives. He said it was important, as I am probably not the only person dealing with this. I am sending the additional amount of the fee separate on a check with the notation disputed fee as per the attorneys recommendation to avoid New American calling me in default. 
I am including encrypted e-mail and XXXX loan statement showing the fee as attachments. The e-mail was an internal doc. with opinion and no legal basis. I was surprised to receive this as a justification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation