vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.

Complaint narrative:
My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Experian Information Solutions Inc.

Complaint narrative:
My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.

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 2023-07-22 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: FL

Complaint narrative:
XXXX XXXX ACCOUNT BALANCE IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT. I NEVER DONE ANY BUSINESS WITH THIS COMPANY AND ITS FRAUD TO REPORT INACCURATE INFORMATION TO MY CREDIT REPORT. INVESTIGATE AND VERIFY THIS ACCOUNT OWNERSHIP OR DELETE FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Due to ongoing issues with a foreclosure case that is still open in XXXX XXXX, MD, Bank of America and their agents sold my home from underneath me, without a final ratification. I am trying to buy a home and it has been reported that there was a foreclosure in XXXX, but that is false information. Bank of America filed foreclosure paperwork against me in XXXX when I was only 2 months behind. They then bought the property back at auction sale on XX/XX/XXXX. Not XXXX. In XX/XX/XXXX, my home was sold to a realtor by the name of XXXX XXXX XXXX XXXX, of XXXX XXXX, XXXX XXXX, XXXX, who only wants the home to sell for investment purposes only. Bank of America has committed fraud and the Circuit Court did not have a final ratification on the actual XXXX sale to this day. This in turn is hurting my chances with getting new lending opportunities to get a new home because lenders require a 2 year removal of the foreclosure. 
The XXXX of Maryland Land records apparently is reporting that there was a foreclosure thanks to Bank of America 's agents, and that is not the correct title information. I am wrongfully foreclosed on my former property, and I am still in court trying to rectify the case with actual facts. However, there is no way to speak with Bank of America over the phone or get a clear response through the mail, because they tell me to speak with their law firm, XXXX XXXX XXXX and XXXX XXXX XXXX. They are the law firm who are the agents that wrongfully stole the home through false reporting to the XXXX of Maryland government that they had the rights to the home, and filed a Deed transfer ... without a final ratification per Maryland Law. Bank of America also wrote off the entire amount of my home to me for my XXXX taxes by claiming that I abandoned the property through a 1099-A, but that is not true neither. I am seeking help in correcting the title reporting of a supposed foreclosure, when it is still open and ongoing in the courts, and the reversal of the sale of the home. This is causing a hardship upon me at this time as a XXXX XXXX. Please note the other complaints since XXXX over this same former lender who bought my home loan, and the excuses given to CFPB over this same problem. I am hoping that action actually occurs because Bank of America will always continue to say to this government agency that they have done nothing wrong, and that the " foreclosure, '' was just. The home was never foreclosed upon officially in the Courts because it is still ongoing, not XXXX. Thank you. 
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 explanation
Consumer complaint received 2023-07-22 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:
YOUR COMPLAINT My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX  XXXX 5 years this has always been my residence. I have never had an account with XXXX XXXX BOOST {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: MD

Complaint narrative:
Equifax did not remove fraudulent accounts from my credit report. I have submitted identity theft report, along with required identification. I also can not access my credit report online. I am XXXX and sometimes can not make it to my mailbox so I prefer online reports which I am denied access to. 
I put in first dispute on XX/XX/2023. I submitted all required documents. I re sent dispute certified mail which was delivered XX/XX/2023. Someone viewed my documents that same day because they cleared my inquiries that I disputed in the letter but failed to remove other fraudulent accounts. Equifax HAVE INCORRECT BIRTHDAY LISTED FOR ME AFTER I CALLED MULTIPLE TIMES AND SUMBITTED IDENTIFICATION. THEY WILL NOT FIX INCORRECT INFORMATION. I could not open gas and electric services for more than 7+ weeks because no company can pull my report to verify my identity because Equifax has it locked even after I sent in identification multiple times.

Equifax violated FCRA 605B ( 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 ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: CA

Complaint narrative:
EXPERIAN continues to add a false collection debt to my report. Earlier this year is was from one collection agency ( XXXX XXXX XXXX ), and now the same FALSE debt is showing up again from XXXX XXXX, another collection agency. I have NEVER had any relationship with the company that they say it was originally owed too. The $ XXXX debt was false with the previous collection agency and it continues to be false with this one. I can't be filing complaints for life.

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 2023-07-22 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:
These inaccurate addresses that reporting without my consent or approval i am 100 % sure these addresses is not mines ( XXXX XXXX  XXXX XXXX, XXXX XXXX, Fl XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX  XXXX XXXX, Ma XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , FL XXXX XXXX inaccurate ) Must correct address - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX UNAUTHORIZED address/ I never lived here ( REMOVED AND DELETE ) ( 6 Accounts reporting ) US DEPT OF ED/XXXX  6 Unauthorized ACCOUNTS Open XX/XX/XXXX This company is reporting Multiple times on my report and reporting inaccurate information/ account is reporting 41 potentially Negative Months. In which it is very strange because i didn't give this company permission to run my credit and issue out credit or etc. 

XXXX XXXX XXXX Open:XXXX Balance updated : XX/XX/XXXX XXXX XXXX Original Balance : {$17000.00} Balance : {$20000.00} CLOSED ( 51 POTENTIALLY NEGATIVE MONTH ) INACCURATE This account is outdated. Passed 7 years old. ACCOUNT IS REPORTING INACCURACY. This account is reporting information without my written consent. It is illegal to report late payments 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) / 15 USC 1681a ( d ) ( 2 ) ( B ) 15 usc 1691 denial of credit SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
ACTION : Remove immediately/ DELETE ACCOUNT. 


( COLLECTION ) XXXX XXXX XXXX Account # XXXX Open:XXXX INACCURATE original balance : {$610.00} Debt buyer Balance updated : XX/XX/XXXX ( inaccurate/ VIOLATION ) XXXX XXXX XXXX /Original creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Open:XXXX UNAUTHORIZED original balance : {$1200.00} Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 XXXX /Original creditor : XXXX XXXX XXXX XXXX  Account # XXXX Open:XXXX COLLECTION original balance : {$640.00} UNAUTHORIZED Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 - Validation of Debt ( documents of signature in ink and contract ) XXXX XXXX XXXX/ Original creditor : XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Open : XX/XX/XXXX, XX/XX/XXXX 2 COLLECTION same company ( IDENTITY THEFT ) ( Duplicate ) XXXX XXXX. 
VIOLATION UNDER CONSUMER LAW. 
NOT MINES OR HAVE ANY OBLIGATION

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 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XXXX XXXX advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have 2 late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.

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 2023-07-22 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: EQUIFAX, INC.

Complaint narrative:
XXXX XXXX advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have 2 late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Experian Information Solutions Inc.

Complaint narrative:
XXXX XXXX advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have 2 late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.

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 2023-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
XX/XX/XXXX I received a text from Wells Fargo claiming a potential fraud activity was happening through XXXX. I would be contacted by Wells Fargo. I received a phone call from the Wells Fargo number. While on the phone they asked to verify my XXXX by transferring money to a suspervisor. 
They walked me through the steps as if they were actual well Fargo customer service.

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 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
A fraudulent charge on my credit card in the amount of {$5200.00} that occurred back on XX/XX/2023. 

The credit card is a JetBlue Plus World Elite Mastercard and the Bank is Barclays Bank. 

I have had nine ( 9 ) different communications with Barclays since filing an initial complaint back in XXXX. 

Their initial position was that the charge wasn't fraud, it was a dispute. The fraudulent company represented themselves as " XXXX XXXX XXXX '' and the credit card showed a phone # of XXXX XXXX XXXX. If Barclays Bank merely called the phone # on their statement, they would have confirmed that the charge was from a travel agent in Texas. XXXX XXXX has confirmed to us that the charge wasn't XXXX and the charge was fraud. 

Despite our efforts to resolve this matter, Barclays has advised in writing and phone conversations on seven different occasions between XXXX that the claim was still under investigation. 

The Barclays Fraud case # is XXXX XXXX and 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 explanation
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three  buraus. This is not Right!. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three buraus. This is not Right!. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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 US Department Of Edu # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: NY

Complaint narrative:
There is a XXXX XXXX XXXXXXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: NY

Complaint narrative:
There is a XXXX XXXX XXXXXXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job

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 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.

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