vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES 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 non-monetary relief
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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 : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent Accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXXXXXX XXXX  XXXX ), Fraudulent inquiries XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/XXXX XXXX  ), XXXX  XXXX date of inquiry ( XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted multiple written disputes to Experian, XXXX, and XXXX regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with Experian, XXXX, and XXXX. 

The responses from Experian, XXXX, and XXXX clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from Experian, XXXX, or XXXX. I have not received any documentation to date from Experian, XXXX, or XXXX that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 1 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 2 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXX XXXX XXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXXXXXX XXXX Charge-off 8 ) XXXX XXXX XXXX XXXX Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with Experian , XXXX , and XXXX. I am requesting the CPFB assist me in working with Experian, XXXX, and XXXX to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, 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 2023-02-16 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: PA

Complaint narrative:
There's an account on my credit report that has been removed and a couple of months later it pops back up making me go through the entire dispute process all over again. When it does show up again you can see that whatever discrepancy I would point out on a previous dispute would be corrected, but have another piece of information wrong or different across all 3 agencies. It's obvious because technology now allows me to capture the screen shot and see how it's changing as if. I'm not noticing it. How many chances does one get to correct the record? Eventually with enough chances they'll be able to get it all right. In my opinion there's been enough of what I think in my own opinion violations done to me to where I don't have to argue about the validity of the account in question. Currently XXXX has been the only one out of the three that has got it right for the second or third time, sorry im starting to lose track. It's insane what I have been forced to go through. Dispute after dispute. I've even sent the disputes certified pointing out all the discrepancy in regards to the the amount of the account. It always changes. I even have a recorded phone call with one of there employees who couldn't get the facts right. First the original balance was {$3800.00} then it was {$3800.00}. But then there was adjustment that brought the original amount to {$3000.00} to no wait the original amount is {$3800.00} and 20 % of it was already paid. 2 of the credit Bureau 's had the original amount at {$3800.00} and the other at {$3000.00}. Experian with the original amount of {$3800.00} with a high balance of {$0.00}. XXXX removed the account then reinserted it without notice. No heads up, no letter in the mail letting me know. XXXX did the same without notice. There's incomplete information showing the collection status for the last 3 months and no status information for all the months before hand. I asked for the credit Bureau 's for the findings of facts with proof of the investigation efforts and nothing but crickets. They have date of first delinquency of XX/XX/XXXX of 2018 yet I have a letter from the the original creditor stating the payment was due XXXX of 2018. They claim the debt is educational yet the information they furnished to XXXX reporting agency  has absolutely nothing in the trucking school section of the report. I'm sure there's stuff I'm forgetting. I just want this account to be gone, deleted, and done and over with. I have proof of all this. I'll try to attach as much proof as i can but please if theres anything you dont understand or need explanations of anything, then for love of XXXX contact me by any means possible.

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 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My complain involves XXXX banks, XXXXXXXX XXXX  and Bank of America. 1. Bank of America checking account was open over 13 years. 2. XXXX checking account was open on XX/XX/XXXX. XXXX XXXX was closed on mid XX/XX/XXXX and was reopened on XXXX XX/XX/XXXX. On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using XXXX online facility. The money was to come from my Bank of America checking account to my XXXX checking account. After transfer was initiated the money was withdrawn from Bank of America checking account but was never deposited into my XXXXXXXX XXXX. The reference number is XXXX. I see a message at XXXX that Looks like were not able to complete this transaction. Please contact your external bank for more information. I called Bank of America and informed the issue. They created a claim based on my complain. As part of the complain, on XX/XX/XXXX, Bank of America initiated an unauthorized money transfer and withdrew {$3000.00} from my XXXX XXXX checking account and deposited in my Bank of America checking account and closed my claim. But I still have {$3000.00} withdrawn from Bank of America checking on XX/XX/XXXX, that I never received at my XXXX. When I call Bank of America customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. When I call XXXX customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to Bank of America. ( I think the reason money didnt get deposited in XXXX was because the account was closed and it just reopened on XX/XX/XXXX ). The money that deducted on XXXX was from my exiting funds with XXXX checking account. I still have not received my money of {$3000.00}, that was deducted from Bank of America on XX/XX/XXXX into my XXXX account. Attached is XXXX details from Bank of America XXXX 2. transaction details from XXXX and 3 XXXX Screenshot of failed external transaction transfer from XXXX. I am frustrated calling both banks. Both banks tell me to call the other Bank. Please help in getting my money back that was withdrawn from Bank of America but never came to my XXXX account. 

A similar CFB complaint was also lodged for XXXX with reference number 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 monetary relief
Consumer complaint received 2023-02-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am concerned because my credit report has discrepancies that are continually being reported and damaging my credit score. I have highlighted all these discrepancies. I am being denied credit due to this false information. I have asked Equifax to remove this information but they are ignoring me or sending me correspondence not addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I HAVE TRIED SEVERAL TIMES TO GET PAYPAL TO REVERSE A TRANSACTION WHERE THE PAYEE NEVER ACCESSED THE PAYMENT OF XXXX 2022 I REQUESTED PAYPAL TO SEND {$300.00} TO SOMEONE ( XXXX ) AND THEY NEVER GOT THE FUNDS AND I ASKED PAYPAL TO REVERSE IT THEY SEEM NOT TO UNDERSTAND AND HAVE CHARGED MY LINE WITH THEM FOR THE TRANSFER AND INTEREST CAN YOU GET TO THEM TO MAKE THE CORRECTION?

SECONDARILY IT SEEMSVTHAT THE LINE REQUESTED FROM PAYPAL IS RUN BY SYNCHRONY BANK AS A CREDIT CARD ADVANCE AVAILABILITY AND I AM CHARGED CREDIT CARD RATES BUT WAS NOT PROVIDED A ACTUAL CREDIT CARD VERY ODD .... 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 2023-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a CD account for over a year with my company name called sound of the XXXX XXXX I close the account few weeks ago and I was told I will get my money in the next 7 to 10 business working days it been almost a month and I still havent recieve my money. Also I have called plenty of time for my money but no one seems to know what to do or give a concrete explanation of why I cant recieve my money. They say your money has been released. I wanted to use the money to take care of important business and Bank of America have deprived me from making this move and made me loose potential investments. I also went inside the bank and spoke to a manager, he tried his best to resolve it but he was also lost because he couldnt understand why I still can not recieve my money. I also dont have a balance so there is no reason why I havent recieve my funds till now.

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 2023-02-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES 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 non-monetary relief
Consumer complaint received 2023-02-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX of XXXX I sent a letter to you disputing a bankruptcy that does not belong to me. For the 2nd and final time, I'm filing another complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for Equifax for the last time to remove the bankruptcy off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that Equifax will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking is to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report. If this time the bankruptcy is not removed from my credit file I, will most definitely file a lawsuit in small claims court for violations of the Federal Credit Reporting Act for compensation for the failure to remove this erroneous information. If my attachments isn't good enough I highly suggest you do your due diligence and contact XXXX for proof. I will not wait 30 days for you to investigate as I have given you 30 days back in XXXX of XXXX You have 15 days to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
We have a Construction to Permanent loan with Sandy Spring Bank. Mortgage Number XXXX. The loan is broken up into check draws to pay XXXX XXXX XXXX who is doing the renovation on our primary residence. The first payment cleared his bank successfully. The second payment for just over $ XXXX has had XXXX unsuccessful attempts cancelled due to an error at Sandy Spring Bank. I have no confidence this will be rectified in time to satisfy my Contractors required payments for his subcontractors. Your help with this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My brother XXXX was admitted to the hospital in XXXX. His wallet was stolen, a police report was filed. It was then realized that his debit card was used fraduently. The bank ( Wells Fargo ) was notified and stated that there was no fraud and the charged are legitimate. The bank also left the account open which allowed the perpertrature to continue using the account until XX/XX/XXXX. An approximate total of {$15000.00} was removed from his account and a second complaint filed for approximately {$6000.00}. The bank is still claiming the original {$9000.00} is ligitimate.

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 monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX is the Credit Card that OnceMain Financial offered me. I was informed I had protection that I was paying into with the loan if I lost my job. In XXXX, I did lose my job and have not yet found a new one. I had 4 other credit cards that all worked with me to go into a reduced payment without fees or added interest closed accounts or plans to continue to stay in good standing while I worked on finding a new job. Of course, I've exhausted boring money from family or friends and relief programs, and can't even cover my rent, utilities or car, which are necessary to finding work to pay off the credit card. The interest is 33 % so interest charges are ~ {$65.00} and my statement shows late fees charged the day after I made payments- Whaaatt??? 

XX/XX/XXXX - paid {$120.00} then on XX/XX/XXXX a late fee was posted of {$40.00} Trying to reach anyone over the phone at this company is a joke, and OneMain said they have nothing to do with the CC company XXXX, even though they are the ones who signed me up for the card. 

Turns out they do not offer any programs period, and maybe might remove one late fee. The issue with this is that they keep charging interest and late fees, and don't even follow the correct billing schedule. They refuse to acknowledge that no one is available in customer support, which causes further delays and late fees. They have no interest in doing anything but hounding you with automated calls throughout the day asking for money, which you responsibly called and explained your loss of income, but they refuse to work with you. You can submit a letter online, but then you just get a letter in the mail asking you to call them. Vicious circle! This results in further damage to your credit score. How are you supposed to work with a company that is unreachable and offers no customer service? XXXX and OneMain are scams of companies that whom should be avoided at all costs!! How is anyone supposed to pay this off? The card is literally in the negative now simply due to late fees and interest charges when the company could have actually tried to help and still get their money in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 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 — Their investigation did not fix an error on your report
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I disputed inaccurate information furnishing my good name with XXXX & collection agency, I mailed out a dispute letter to the Collection agency & XXXX to ask for Validation of debt. They FAILED to send me Validation of the alleged debt or a form with the original agreement and wet signature from the alleged debt. They sent an itimization which is a breakdown of charges and not consired VALIDATION OF DEBT. I sent the letter on XX/XX/XXXX and on XX/XX/XXXX they sent me a response on the XXXX online portal that everything was Validated. How can this be if they did not provide me with the requested documents mentioned above and in my dispute letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states 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