vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the pandemic someone used my Bank of America card for XXXX separate transactions of {$100.00} each. Instead of correcting the problem they froze my account and XXXX benefits. My XXXX account was frozen from XXXX of XXXX through XXXX of XXXX. The {$900.00} was the rest of my rent money, and since my benefits were on hold I was unable to pay rent for the next 12 months when my landlord evicted me. Since the eviction is now on my credit my family and I are still homeless. Yes, Bank of America has since paid me the {$900.00} back and sent me a check for {$340.00} to cover the financial harm they have caused. As I am sure you are they also sent me the necessary paperwork and instructions to file a claim for additional compensation. Well I did what they asked, I uploaded the necessary documents and completed my claim on XX/XX/XXXX. I didn't hear from them until XX/XX/XXXX ( exactly 60 days later ) when they requested more proof with a deadline of XX/XX/XXXX. I uploaded more proof on XX/XX/XXXX but instead of saying submitted the claim was stuck on " resubmitting entity '' with a clock, so I was forced to call the XXXX for assistance. After confirming they received the documents I asked if would be another 60 days before I heard from them again and she said, " since Bank of America and the XXXX was not given a deadline to make their decision she wasn't sure when I would hear back from them, but if they needed anything else they would let me know the same way they did the last time. '' First, they don't let you know ; you have to go into the portal and check the status. And XXXX, she really said, " since they weren't given a deadline. '' I don't understand why they don't take responsibility for their actions and make it right without causing us even more grief.

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 2024-07-29 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: KY

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
XX/XX/year> I've been receiving daily text messages asking I reach out to a company regarding a debt. The text messages came from a number XXXX ' and the website provided was XXXX XXXX XXXXXXXX I called I asked which debt wasn't paid, and I confirmed the " Account number '' within the link, but they wanted to verify my Date of Birth, and when I said I don't provide my date of birth they wouldn't give me any further information. I will add that the text message was the first notice of debt, I never received a letter showing where the debt originated, which is suspicious.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDANCE WITH XXXX ( XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS FRAUDULENT ACCOUNT XXXX # XXXX TO BE FURNISHED ON MY XXXX TRANSUNION XXXX I HAVE KNOW XXXX XXXX THIS ACCOUNT I HAVE FILED A POLICE REPORT OF FRAUD. PLEASE DELETE PROMPTLY THANK YOU SIRS/MAAM ACCORDANCE WITH XXXX XXXX XXXX XXXX XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE FRAUDLENT ADDRESSES NAMES ACCOUNTS TO BE FURNISHED ON MY TRANSUNION XXXX XXXX XXXX XXXX THE READ : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, TELEPHONE # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLEASE DELLETE THESE IMMEDIATELY I HAVE KNOW KNOWLEDGE OF THIS FRAUD! 
I am willing to prosecute.

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 2024-07-30 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: FL

Complaint narrative:
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-30 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XX/XX/year>, Mr. Cooper, the loan servicer for my mortgage account ( Loan Number : XXXX ), purportedly sent a Demand Letter regarding foreclosure proceedings. However, I have not received this letter. I have received only a first-class mail tracking notice indicating that the letter arrived at the final postal location on XX/XX/year>, but was not delivered to me. The tracking status notes Arrived at the final postal location prior to delivery ( distributed to XXXX route ) and does not confirm delivery. 

On XX/XX/year>, Mr. Cooper responded to my inquiry stating that the Demand Letter was sent and asserting that the foreclosure is valid. However, the response did not address the fact that the letter was not delivered to my address, as required by XXXX law. According to XXXX XXXXXXXX XXXX XXXX, foreclosure notices and demand letters must be sent via certified mail, return receipt requested. 

In response to Mr. Cooper 's communication, I sent a formal letter on XX/XX/year>, requesting certified proof of mailing for the Notice of Default and the Demand Letter. I also requested that foreclosure proceedings be halted, my loan account be reviewed for a guaranteed loan modification or deferment, any associated fees or penalties be waived, and negative marks on my credit report be removed. 

Given the situation, I am requesting that Mr. Cooper provide the required certified proof of mailing within 15 days from the receipt of my XX/XX/XXXX letter. Failure to provide this documentation should result in the cessation of foreclosure activities, correction of my loan account, and removal of any negative credit impacts. 

Actions Taken : Requested certified proof of mailing for the Demand Letter and Notice XXXX XXXX. 
Requested halting of foreclosure proceedings, loan account review, waiver of fees, and correction of credit report. 
Sent formal letter on XX/XX/year>, outlining the requests and deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was surprised to see adverse information stating, " Transferred ; was 30 days past due date '' on my credit report. I filed a complaint via XXXX, but it was not removed. This information is incorrect as I was not past due ; we had an agreement that I did not need to pay at that time. Every month under " payment history '' it shows OK or and X signifying I paid ( or didn't pay ) per the agreement. 

I requested a forbearance under the CARES Act due to the XXXX pandemic, which was granted. I repeatedly confirmed that this would not result in any negative marks on my credit report and understood from the XXXX XXXX that my credit would not be negatively affected. However, the comment under " pay status '' is showing as adverse. 

I am attaching a snippet of my credit report with the derogatory information, my XXXX statement and my XXXX statement from when my account was transferred as I am assuming this is the period in question. Please note this comment on my XXXX statement : " You requested a forbearance plan, and under this plan, no payments are due and no late fees will be assessed to your account during the forbearance plan. The total amount due, regular monthly payment, and late fee included in this statement are provided for informational purposes only. XXXX not required to make payments while on forbearance and no late fees will be assessed to your account. '' Lastly, I did call LoanCare today, XX/XX/XXXX to inquire about this issue and the operator I spoke with wasn't able to clarify this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with the XXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/scrub>XXXX XXXX XXXX XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-30 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: CO

Complaint narrative:
I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
On XX/XX/year> jdbyrider / CNAC sent me a text message saying my payment was late. I responded to the text to run it again. I received another text saying the payment was declined. I called the number on the text and it was a XXXX voice number. I called based on the number in my contacts. 
The man who answered the phone started yelling at me that he has been calling my phone since Friday and accusing me that I blocked their number. I asked him what card number they were trying to run and apologized that I put the money on the wrong account. I asked him to hold on while I moved the money. He continued to yell at me and threatened to have my car seized all while Im asking him to run the payment again. I explained to him I have been making payments for 3 years and have missed a payment only 2 times. I asked him why he was arguing with me while Im calling to make a payment. He said he needed to make his speech and that I was not going to pass him the over. 
He ran the payment and continued to threaten me that if I miss the next payment he will seize my car and fine me {$1300.00} to have it returned. 
He also sent a text message to my brother regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NJ

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-07-30 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: OH

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent multiple letters to XXXX, TransUnion, and XXXX regarding the fraudulent addresses and outdated information on my credit report, but they have failed to take any action to remove these inaccuracies. The incorrect personal information they continue to report is causing significant harm as it portrays me living in multiple places simultaneously with different phone numbers and addresses. Despite providing my correct details and proof of identity, these credit bureaus have neglected to rectify the errors, which could adversely impact my creditworthiness and reputation.

I am deeply concerned about the potential consequences of this inaccurate information on my credit report, especially when it comes to future employment opportunities or financial transactions. The persistence of these false addresses and outdated data reflects a clear violation of consumer rights and the Fair Credit Reporting Act. It is imperative that XXXX, TransUnion, and XXXX comply with the law and promptly remove the incorrect information to prevent further harm.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that these credit bureaus adhere to the regulations set forth in the Fair Credit Reporting Act. My repeated attempts to address these issues directly with the credit reporting agencies have been futile, necessitating the intervention of a regulatory body to safeguard my rights as a consumer.

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