vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX on the dates XXXX and XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted XXXX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services.

I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.

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 2024-12-17 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: NY

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These items were added without my authorization due to identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$3400.00} XXXX XXXX  XXXX- XXXX - XXXX - {$2400.00} XXXX - XXXX - XXXX XXXX {$510.00} Fraudulent Inquiries : XXXX 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 2024-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did not authorize this company to run my credit. Please delete.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am writing to formally address the presence of inaccurate accounts on my credit report. These accounts are completely incorrect and should not be listed under my name. This situation is not only unfair to me but also deeply troubling, as I have never been involved in any of the activities associated with these accounts.

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 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have disputed this account for almost XXXX year it was connected to and address I never lived at so its fraudulent them removed the address from my account but not this collection with Jefferson Capital System LLC / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
Several accounts are showing paid but still displayed on credit report inaccurate with XXXX, XXXX and Transunion. Each agency has different reporting on some accounts. XXXX XXXX paid off {$1600.00} XX/XX/XXXX, XXXX  XXXX paid off {$650.00} XX/XX/XXXX, XXXX XXXX {$1500.00} XX/XX/XXXX, XXXX XXXX {$3600.00} XX/XX/XXXX, XXXX XXXX {$2300.00} XX/XX/XXXX, XXXX XXXX {$990.00} XX/XX/XXXX, XXXX  {$850.00} XX/XX/XXXX, XXXX XXXX  {$16000.00} XX/XX/XXXX, XXXX XXXX {$210.00} XX/XX/XXXX, XXXX XXXX  {$1200.00} XX/XX/XXXX, XXXX XXXX {$31000.00} Identity theft

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several accounts are showing paid but still displayed on credit report inaccurate with XXXX, Equifax and XXXX. Each agency has different reporting on some accounts. XXXX XXXX paid off {$1600.00} XX/XX/XXXX, XXXX  XXXX paid off {$650.00} XX/XX/XXXX, XXXX XXXX {$1500.00} XX/XX/XXXX, XXXX XXXX {$3600.00} XX/XX/XXXX, XXXX XXXX {$2300.00} XX/XX/XXXX, XXXX XXXX {$990.00} XX/XX/XXXX, XXXX  {$850.00} XX/XX/XXXX, XXXX XXXX {$16000.00} XX/XX/XXXX, XXXX XXXX  {$210.00} XX/XX/XXXX, XXXX XXXX {$1200.00} XX/XX/XXXX, XXXX XXXX {$31000.00} Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-17 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: KY

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below.

Fraudulent Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$190.00} Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-12-17 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: KY

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below.

Fraudulent Accounts : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$190.00} Fraudulent Inquiries : 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 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 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
Hello, This is in regards to Roundpoint Mortgage. 

My home was sold and the mortgage was paid off on XX/XX/XXXX. I never received the escrow overage of {$1400.00}. They have 20 days to return the overage. I called on XX/XX/XXXX and from there we decided the check they show they sent on XX/XX/XXXX was lost. They said they would cancel and re-issue the check. I called again on XX/XX/XXXX spoke to XXXX, once again said they will cancel and re-issue. I saw nothing showing this on the account online nor received an email or call from them which they said they would do. On XXXX called once again and spoke to XXXX. They said they would escalate this and get the check out ( after they already said it was out 2 times ). They were to get me a tracking number etc. Nothing so I called again the next day XXXX spoke to XXXX who assured me it was in the mail. Nothing!! I called again on XX/XX/XXXX spoke to XXXX that now says it was in the mail on XXXX and I would receive in XXXX business days. They have told me it's in the mail at least 4 times since it was lost. I need help getting an answer on this, terrible customer service. They keep saying the check is in the mail for almost 2 months now. I do not believe them. Please help.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been a Bank of America ( BOFA ) customer for 20+ years and has a platinum preferred account/customer status with no history of account abuse. I deposited a CASHIERS CHECK from my brother. I live in XXXX, XXXX  and he lives XXXX, XXXX. away. 
The check was issued by local XXXX XXXX XXXX XXXX and I deposited the cashiers check in-person at BOFA branch XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  on Monday XXXX XXXX at XXXX. Teller told me there is no hold and it should be available tomorrow. She gave me balance print out that said balance will be available for withdrawal next business day. 

Came back home checked account online around XXXX same day. To my surprise check has been marked for HOLD for 5 days. balance will be available for withdraw on SATURDAY XXXX XXXX at XXXX. Called customer service at XXXX response don't know the reason. lets wait for a day to see if its really on hold. Next day I check it online its on hold. called customer service - response don't know the reason for hold. went back to the branch asked for Manager. Spoke to XXXX XXXX and he immediately said we did not put a hold its the back office that put a hold OVERNIGHT and I would not know the reason. They wont tell me. On pointing out it was put on hold within XXXX hrs of deposit. He said I don't know its probably the difference in balance between checking account and the cashiers check. Pointed out your interest in checking account is XXXX and I do have other accounts a CD account and XXXX Account with much bigger balance. Also this is a Cashiers check. He took my DL and ATM saying he will try to figure out. Waited for more than an hour. Asked an employee to get back my DL and ATM so that I can go home. Finally He came back saying. Oh I tired but back office said the reason is confidential. For XXXX XXXX  this is a CASHIERS CHEK and I am 20+ yr old customer with status platinum preferred account/customer status. 


At least BOFA needs to provide a reason and how the block can be removed by a Manager/branch head. If it is customer ID and DL is not enough. I could have provided my passport. 

why banking service is so so bad at big banks like Bank Of America?????

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase sent me a letter in the third week of XXXX that they will close my checking account on XX/XX/year>. I complained about this and they responded that Chase has the right to close a checking with or without any reasons. 

So today I called the customer service and they said that they can't close my account. So in the afternoon i went to XXXX of the branch of Chase located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and they said that they could not close my account. 

My problem is I don't want to maintain my account with Chase due to poor customer service and unjust, descrimantory policy. I wanted to close my account and will never get involved with Chase in the future. I can't access my account which is under restriction but they continue to charge me with $ XXXX  monthly maintenance for an account which I am restricted. This is not right and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX ERRORS IN DATES, BALANCES, CLOSING DAYS AND LATE PAYMENTS. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX has been violating federal reporting rights for the last XXXX years. I've requested a copy of my credit report for the last XXXX years they refused to give me a copy of my credit report they have suppressed my credit report they have sent me a document saying, they have suppressed my credit file they even allow someone to put a consumer protection, fraud alert with another person name, and another person 's contact number on my credit report that was there for XXXX years, allowing this person to use my credit for their personal use they did nothing to stop that. It cost me hardship now I have all this they won't validate any of the fraud on my credit report, and I can't correct anything because they won't allow me to pull my credit. I've been denied multiple denial of credit because changing it won't let my credit even be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX has been violating federal reporting rights for the last six years. I've requested a copy of my credit report for the last six years they refused to give me a copy of my credit report they have suppressed my credit report they have sent me a document saying, they have suppressed my credit file they even allow someone to put a consumer protection, fraud alert with another person name, and another person 's contact number on my credit report that was there for three years, allowing this person to use my credit for their personal use they did nothing to stop that. It cost me hardship now I have all this they won't validate any of the fraud on my credit report, and I can't correct anything because they won't allow me to pull my credit. I've been denied multiple denial of credit because changing it won't let my credit even be pulled.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation