vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint against Bank of America for their mishandling of my claim involving fraudulent and unauthorized charges to my EDD benefits account. Despite providing all required documentation to verify that I am a victim of identity theft, Bank of America has repeatedly dismissed my claim without conducting a proper investigation, in violation of federal regulations and their own {$0.00} Liability Policy. 

The fraudulent charges occurred shortly after deposits were made to my account. I have submitted the following documentation to Bank of America to support my claim : Identity theft report from the FTC. 
Government-issued identification. 
Additional supporting documents verifying that I did not authorize or make the transactions in question. 

Despite this, Bank of America has denied my claims, citing the proximity of the withdrawals to the deposits as justification. Additionally, they provided me with documentation showing the dates and times of deposits and withdrawals to the account. However, this information does not validate or justify denying my claim. Simply providing transaction history does not constitute a proper investigation. For Bank of America to deny issuing a refund, they must provide evidence and proof that these charges were not fraudulent or unauthorized. 

Instead of fulfilling their obligation to investigate thoroughly, Bank of America has repeatedly sent me generic responses and advised me to contact EDD for a refund. This response is not only dismissive but also unethical, as EDD can not process refunds for funds already distributed to Bank of America. 

Key Concerns : 1. Violation of Regulation E ( Electronic Fund Transfers Act ) : Bank of America has failed to conduct a proper investigation as required under Regulation E, which mandates that financial institutions resolve claims of unauthorized transactions. 
2. Failure to Honor {$0.00} Liability Policy : Bank of Americas advertised {$0.00} Liability Policy for unauthorized charges has not been honored, leaving me unfairly responsible for fraudulent activity. 
3. Inadequate Investigation : Providing transaction history or dates and times of withdrawals does not prove the legitimacy of these charges. A proper investigation should include evidence and proof that the transactions were authorized by me. 
4. Harmful Financial Impact : This unresolved issue has caused me significant hardship, including eviction and denial of housing opportunities, directly resulting from Bank of Americas failure to address this fraudulent activity.

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for 6 weeks until XXXX while I was in a XXXX  whoever got my wallet from my pocket XXXX XXXX XXXX XXXX XXXX XXXX XXXX maxed out the 3 credit card which were in my wallet to the sum of XXXX I made each credit card company aware of my situation all reversed the charge for good except I My GM Rewards card I email and mailed all documentation from the hospital stating I was in a XXXX when the charges occurred

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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 submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I searched for an answer to my question but the results provide no clear answer. I am needing to know what the TEXAS state law or policy is for the LENGTH OF TIME a finance company must sell a car after they have repossessed it. Its been 5 months and Hyundai Motor Finance has not received the duplicate title and they have not sold the car.

Account No. : XXXX Due to the unexpected employment gap after a mass layoff, Hyundai Motor Finance repossessed my vehicle XXXX months ago but has yet to obtain a duplicate title or sell the car at a private auction. This delay prevents me from purchasing another vehicle unless I add the remaining {$18000.00} balance to the cost of the next car, with the potential of still owing a balance to Hyundai Motor Finance if the sale price falls short of the debt. XXXX has stated they can not provide a timeline for obtaining the title or completing the sale, leaving me with no clear resolution. If timely payment was required to avoid repossession, why is there no urgency to sell the repossessed vehicle? 

Vehicle : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Since the repossession, Hyundai Motor Finance stated there is no clear date for the vehicle 's sale. The " Notice of Our Plan to Sell Property '' stated only that the vehicle would be sold " at a private sale sometime after XX/XX/XXXX, '' leaving the timeline indefinite. I have been told multiple times that the duplicate title was requested but it has never been received and no attempt to escalate and resolve the issue in a timely manner has been made. 

Hyundai Motor Finance did not offer assistance to accommodate my financial situation and would only accept full payment for the vehicle 's return. However, despite repossessing the vehicle, they have not sold it in a timely manner, which undermines the intended purpose of repossession. Per legal requirements, a sale must be " commercially reasonable, '' which is generally understood to mean within 90 days of repossession. As of XX/XX/XXXX, nothing has been done since XX/XX/XXXX. Per Hyundai Capital Americas company policy, and the contract with stakeholders and investors, Is 130 days without the car being sold and no ETA or sense of urgency, the standard way to business? 

This delay impacts my ability to obtain another vehicle. As long as the full balance on the repossessed XXXX XXXX remains unresolved, it will likely lead to rejection from lienholders if I attempt to finance a new or used car, effectively placing me in a position where I can not move forward without being financially disadvantaged. Additionally, I am working again. I could have resumed monthly payments during this time if Hyundai Motor Finance had permitted it, instead of declining partial payments.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-15 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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:
Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. 
Date of the last payment made on the account. 
Date of charge-off for this account. 
I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-15 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: GA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. 
Date of the last payment made on the account. 
Date of charge-off for this account. 
I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-15 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: PA

Complaint narrative:
I do not have a contract with this alledged creditor. I did not grant permission to utilize my name, or signature so this is fraud according to the FCRA laws 15 usc 1681. have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,/ presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

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 2024-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2024-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute the information reported on my XXXX credit report regarding the account referenced above. Under the Fair Credit Reporting Act ( FCRA ), I am requesting validation of this debt, including the most up-to-date payment records and a detailed explanation of the current balance. Specifically : 1. A record of all payments received and applied to this account.

2. A complete breakdown of how the current balance of {$1800.00} has been calculated.

3. Verification that the status information, including the charge-off and past due amounts, has been accurately reported.

I believe that some of the reported information, such as the last payment date, past due amount, and balance, may be inaccurate. I kindly request that you provide the necessary documentation to support these entries or, if the information can not be verified, update or remove any incorrect or unverified data 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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX has asserted that my mortgage account is 15 months overdue as of todays date. However, this claim is perplexing for several reasons. 

First, I only became a customer of XXXX XXXX in XX/XX/year> when my mortgage servicing was transferred from Bank of America. If XXXX XXXX is attributing these 15 months of alleged late payments to the period before the transfer, this claim must logically originate from Bank of America. However, my Bank of America account does not show any record of missed payments, late fees, or delinquent statements during the period in question. 

This raises serious concerns about the accuracy of XXXX XXXX 's records and the validity of their claim. Furthermore, I have previously been assured verbally by Bank of America that my payment history was in good standing, with no reported delinquencies or missed payments. 

Given the absence of evidence supporting the claim of 15 months of missed payments and the contradictory records from Bank of America, I am left questioning how XXXX XXXX arrived at this conclusion. I have requested clarification and documentation from XXXX XXXX to substantiate their position, but they have yet to provide a satisfactory response. 

This issue further underscores the broader pattern of miscommunication and mishandling that has characterized my experience with XXXX XXXX. I request that XXXX XXXX investigate this matter thoroughly and provide : Documentation explicitly detailing how the 15 months of missed payments were calculated. 
A reconciliation of their records with Bank of Americas, including evidence to justify the transfer of alleged delinquencies.

Immediate correction of any erroneous reporting to credit bureaus or within their internal systems. 
It is imperative that XXXX XXXX takes these concerns seriously and works to resolve this discrepancy promptly and transparently.

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