vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
XXXX XXXX XXXX continues to not report correctly each month Missing data. XXXX XXXX XXXX has not reported the open or close date or status to transunion.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

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 explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Mobiloans, LLC
State: TX

Complaint narrative:
Address from another state, location I've never been to nor lived

Company response to consumer: Untimely response
Consumer complaint received 2022-10-02 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: NJ

Complaint narrative:
Identity theft, see attached. I DO NOT need to provide an identity theft affidavit or police report. It is NOT REQUIRED under the Fair Credit Reporting Act. 

Within the attached document, I provided everything needed under 15 U.S.C. 1681c-2 My identity theft documentation is valid according to Federal Law.

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 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check to Chase bank for {$1500.00}. I was told since it was made out to XXXX XXXX instead of XXXX XXXX it was placed on hold. Then, without warning my account was closed and the funds were frozen. They didnt send me any mail about it, either, per law. 

Ive spent hours on the phone and in the branch without any resolution. They are telling me that they can not verify the funds. Im out {$1500.00} of my hard earned money. 

Im sick. This is the middle of a pandemic. I need help please. 

Thank you very much! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.

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 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022, I logged on to my Bank of America online account and noticed an additional phone number and email address that are not mine, nor did I add them to the account. On XX/XX/2022, someone added accounts to my existing bank account. I have all alerts set up through BOA, but they did not contact me. The phone number and email were deleted once I called BOA. Since my account had already had fraudulent activity, it is beyond my understanding how BOA could allow an additional phone number ( used for multi-factor authentication ) and email addresses to be added to my online bank account. Upon speaking with the fraud department I was told they do not have any explanation for why this was allowed to happen nor can they protect my account from this happening again, since it appears someone has my social security number and name.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/2022, a BMO Harris Bank representative ordered a replacement debit card for my checking account due to attempted fraudulent transactions. An improper fee related to that order was the subject of a different, resolved CFPB complaint. Several days later, the new debit card arrived in the mail. As expected, it had a new card number, CVV, and expiration date several years in the future. I successfully activated and began using the card. 
On XX/XX/2022, another replacement debit card unexpectedly arrived via mail. However, this card has the same card number as the original compromised card. I believe this is an automated replacement order for the original card because it was due to expire in XX/XX/2022. Despite this, BMO should not have sent this card for two reasons. First, the card was just replaced two weeks prior, and a new card with an extended expiration was already issued. Second, BMO knows the card number is compromised. I believe BMO failed to address the pending automated replacement when dealing with the fraud issue, resulting in duplicate cards. At best, they could have canceled the duplicate order. At the least, I would have expected BMO to see the duplicate orders and instruct me on how to proceed. 
I have not yet attempted to activate this card because I do not know how to proceed.

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Yesterday I received notice the secured card XXXX XXXX XXXX has with US BANK was garnished. This notice has been refused for cause. If there is a levy, it was incorrectly assessed. It pertains to XXXX and NOT the SSN the account was opened under XXXX. I expect US Bank to correct their error. Thank you.

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 2022-10-02 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: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance and XXXX XXXX is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information.

15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports.

15 U.S.C. 1681 Congressional findings and statement of purpose : ( A ) accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Permissable purpose of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S cod
e 1692k civil liability

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Payment are due at the end of the month. I tried to change the payment due date to the beginning of the month I get paid. Which I did. But then they took the whole balance from my account with out my permission making my bank account in the negative. They fix the issue but added that amount to my balance making my XXXX credit card balance now XXXX credit card balance. So I removed my bank account information. I now pay thru my bank. A check was sent out on the XXXX of this month XXXX it was received by the XXXX of the month instead of the end of the month. I was charged interest plus late fees because the payment came early. So now am late and over my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: CA

Complaint narrative:
the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for XXXX it's XX/XX/2021 and for XXXX XX/XX/2021 in conclusin the reporting of XXXX XXXX XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
NCB Management Services obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau.

Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. 

That being said, NCB KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. 

This is an outright lie. 
An intentional lie. 
A willful lie. 
An outrageously ILLEGAL lie. 

I disputed the fraudulent lie through XXXX and XXXX. 

XXXX removed the false fraudulent report. 
XXXX was allegedly provided with false documentation and kept the fraudulent report on my credit. 

This original debt was obtained in XXXX and the car was returned shortly thereafter due to dealer fraud ( and disputed due to dealer fraud which is a separate case in itself ) The first date of delinquency was XXXX. NCB has no documentation showing otherwise unless it is creating false documents to violate the FCRA. 

This also violates FCRA 623 ( b ) ( 1 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) in which NCB had a legal and federal obligation to investigate and remove the illegally reported item and instead, it produced fraudulent documentation, according to XXXX. 

Let it be clear, there is no document dated in XXXX that has anything to do with this debt. This debt originated and ended in XXXX with the return of a vehicle in XXXX and a complaint to the state about this dealer ( XXXX ) for fraudulent financial dealings. 

Any documentation later than XXXX is fake and I will commence legal action against this company if the CFPB does not take action as this is outrageous and illegal. 

If this company is doing this to me, it is doing this to others and I urge it to audit and investigate these illegal actions. The FCRA provides for maximum penalties of {$4300.00} **per violation** in the case of lawsuits brought by the FTC. 

XXXX also failed to properly investigate as required of any Credit Reporting Agency under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. 

XXXX was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. XXXX XXXX, on the other hand, rejected the false documentation and removed the report from my credit as it properly fulfilled its legal dispute obligations during investigation. 

As such, both NCB and XXXX have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. 

Both should be investigated. 

This out of statute and false report needs to be immediately removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I contacted the company on XX/XX/XXXX and they could not give me any information about my debt. All the representative did was run my credit report without notifying me that there was a monthly charge and only wanted to charge me to dispute them. He could not and wouldn't give me information about the loans through them.

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 2022-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
Since XXXX XXXX, the app has not worked for grain in order to make the payments. I have sent emails about the grain app not working and my credit being ding. There was a response if we are working on the issues. I had to file a complaint to the XXXX XXXX XXXX. After that complaint to XXXX, I finally get a response and Grain did send me a link to make a payment but that didnt work, I was able to finally get the link to work to make one payment and was told all late payment in my credit would be removed. That has not happen yet and its truly hurting my credit score. I am in the process of getting approved for a mortgage and those are the only late payments I have on my credit. I have looked in XXXX and there are hundreds of people not able to access the app to make payments, money has been withdrawn from accounts and there is not a customer service number to even speak to someone. This company is fraudulent and hurting people credit scores by not having an app that works to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: EQUIFAX, INC.
State: PA

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. 

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 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 2022-10-02 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: CA

Complaint narrative:
the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for XXXX it's XX/XX/2021 and for Equifax XX/XX/2021 XXXX conclusin the reporting of XXXX XXXX XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: CA

Complaint narrative:
the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for Experian it's XX/XX/2021 and for XXXX XX/XX/2021 XXXX conclusin the reporting of Apple / XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation