vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened my checking account ( account number XXXX ) online using the promotion code XXXX from BOA advertisement. 
Link XXXX XXXX XXXX XXXXXXXX It has been almost half a year and I'm still not receiving my promotional {$200.00} bonus. In the term it stated that the {$200.00} should be deposited into my account within 60 days of meeting the requirements. I met the requirements of {$2000.00} direct deposit on XX/XX/XXXX and the promotional bonus should be deposited by XX/XX/XXXX, which is not there. I contacted Bank of America twice. The first time I was told that I should wait 60 days which apparently is not stated in the offer terms. The second time on XX/XX/XXXX I was told the offer code can not be even found and the customer representative redirected me to a branch and refused to connect me to her XXXX or escalate the case.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have never agreed or consented to XXXX or to XXXX XXXX reporting any private information to any credit bureaus at all verbally or written it is against the law for XXXX to share or publish any private information also they are responsible because they purchased the contract it isn't owned by the dealership at all XXXX XXXX wrote contact up and XXXX purchased contract knowing it was against federal law XXXX can't use dealership as scape goat they purchased a fraudulent contract more guilty than the company who wrote contract 15 u.s code 1611 criminal liability for willful and knowing violation giving false or inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have never agreed or consented to XXXX or to XXXX XXXX reporting any private information to any credit bureaus at all verbally or written it is against the law for XXXX to share or publish any private information also they are responsible because they purchased the contract it isn't owned by the dealership at all XXXX XXXX wrote contact up and XXXX purchased contract knowing it was against federal law XXXX can't use dealership as scape goat they purchased a fraudulent contract more guilty than the company who wrote contract 15 u.s code 1611 criminal liability for willful and knowing violation giving false or inaccurate information

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 2024-02-12 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX  Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2024-02-12 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: OH

Complaint narrative:
Apon reviewing my consumer report from Equifax consumer reporting agency I noticed there was a Inquiry from a unknown & uwarranted company... I didn't recognize nor request for the C.R.A to place this inquiry on my consumer report. Equifax was not given permission written or verbally from me to place this derogatory Inquiry on consumer report. This inquiry is not attached to any open account and should be deleted immediately .Equifax policy doesn't supercede federal law and my federal protected rights are being violated. This is my second attempt to address this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXXenfed Credit Union XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 I am writing to request correction of the escrow error described below in regard to the mortgage on my property. 

I have been notified by taxing authority that PenFeld failed to pay the following expenses from my escrow account : Property taxes : o Tax Year : XXXX o Taxes due XX/XX/XXXX : {$3000.00} o New total due ( with interest ) : {$3100.00} It is now 5 months late! 

Under 12 C.F.R. 1024.35, I am entitled to coverage of the interest and cost of any penalties imposed due to the late disbursement of tax funds. As of XX/XX/XXXX, this totals {$83.00} in interest, with interest continuing to accrue on the first day of the month. 

Under federal law, you must acknowledge receipt of the notice of error within XXXX business days. ( 12 C.F.R. 1024.35 ). You must also correct the error within XXXX business days or 45 days if you notify me of the extension and the reason for the delay before the end of the initial XXXX period. ( XXXX C.F.R. XXXX ). However, your prompt attention is appreciated as I have been notified that the delinquent real estate tax will be advertised in the newspaper if payment in full is not received by the Tax XXXX office by XXXX pm on XX/XX/XXXX. 

When I contacted PenFeld on XX/XX/XXXX, they were not able to let me know why my tax payment wasn't dispersed on time, nor when it will be paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NC

Complaint narrative:
I have had a card with XXXXXXXX XXXX  for years. Covid job loss got me behind on my payments. I got all of this caught up and closed the account in XX/XX/XXXX. I have asked on many occasions to change my pay date as it is a real problem for me. They refuse. I put in a payment in XX/XX/XXXX and they didnt process the payment for 3 days. They said the payment wasnt paid and I was charged a XXXX late fee and a XXXX returned check fee. It also took XXXX points from my equifax report for XXXX late payment. The card is consistently adding interest and fees, even though the account has been closed. They reported to a credit bureau that I was using 102 % of my credit when my limit is {$700.00} and I owe {$570.00}. That is not 102 %. They are XXXX to destroy peoples credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Took credit builder loan with XXXX which was paid in full. It took days to first get ahold of someone who appeared to fix the problem and the loan at the time was fixed to show paid in full as agreed. Until XX/XX/XXXX which they are now reporting delinquent and late. Both of which are completely false. I have included a copy of the email showing payment in full and chat log with rep who shows payment was made in full. This needs to be fixed as I paid in full and never was late.

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 2024-02-12 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: National Collection Systems, Inc.
State: SC

Complaint narrative:
On or about XXXX2024, I reached out to all three credit bureaus ( XXXX, XXXX, XXXX ) to dispute inaccurate information on my credit report. Upon me providing them verification they advised that my information provided was incorrect. In addition, several accounts on my credit report is not my information to include, education loans, previous addressed, cell phone vendors account, previous educational institutions. Lastly, there are several inquiries on my account for auto dealerships that I have never applied to all of which I have requested to be removed and the creditors fail to do so and take my information and update the records to reflect the information I gave so as to insinuate that the collections on the account are mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CA

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.

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 2024-02-12 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:
Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX  Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CO

Complaint narrative:
Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America did a right off offset for a credit card. They fully knew I was in a hardship and drafted {$1000.00} from my checking account. This caused me to not be able to pay bills.

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 2024-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My name was used for fraud and scams that I was unaware of I reported the theft of my information and was rewarded with a debt that was not mine I sent these letters to the company and no removal which leads me to contact your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: FL

Complaint narrative:
In the preceding two months, l 've made repeated requests to TransUnion for a thorough investigation into two particular accounts, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of Meeting FDCPA requirements. Consequently, l am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel Transunion to meet its obligation by conducting a thorough examination into this matter. Supporting documentation is attached to this complaint to support my claim! I want to personally thank CFPB for holding companies like TransUnion accountable for their actions and their policies to report only accurate information!

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 2024-02-12 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: NJ

Complaint narrative:
I am writing to follow up on my dispute regarding the discrepancies reported on my credit report. After a thorough review of the information provided, it has become increasingly clear that there are numerous inaccuracies and unverified entries that are adversely affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
I am writing to follow up on my dispute regarding the discrepancies reported on my credit report. After a thorough review of the information provided, it has become increasingly clear that there are numerous inaccuracies and unverified entries that are adversely affecting my credit score.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is reporting an incorrect address that does not belong to me and has never belonged to me. They are also reporting an incorrect place of employment that I have never been employed by. I do not reside or do business at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I have never worked for XXXX XXXXXXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX XXXX Dollars per violation and they are violating my rights twice.

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 2024-02-12 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: FL

Complaint narrative:
I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by XXXX, XXXX, Equifax inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, XXXX, Equifax XXXX XXXX are non-affiliate third parties, which shows violation. 
I am opting out of the XXXXXXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: FL

Complaint narrative:
I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by XXXX, Experian, XXXX inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, XXXX, XXXX & Experian are non-affiliate third parties, which shows violation. 
I am opting out of the XXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.

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