vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : 1. XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2018, Balance Reported : {$5800.00}. 
However, they stated everything was complete and accurate but that is not true as open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly. 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, XXXX, Equifax and XXXX are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
This is not my account!!! Remove credit acceptance off my XXXX  and XXXX  credit file. This was opened with no knowledge from 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 explanation
Consumer complaint received 2023-08-12 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: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have had a line-of-credit open with my bank for the past ( 8 ) years or so. Shortly after receiving the line of credit, I sold the home that was used as collateral, however this loan was not paid off at closing. I assumed that it was converted to a standard non-collateral type loan, and have continued to pay the monthly payment. When I tried to refinance this loan with the same bank, I learned that it was still a line-of-credit! Worse yet, they still had the home I sold back in XXXX as the collateral! 

I have stoped making payments on this loan, as they have refused to refinance it, and have now received a letter from the bank stating I must pay the full balance by XX/XX/XXXX. 

Does the title company that handled my home sale have responsibility in this case, since they have now place myself as well as the bank in a very precarious position?? 

Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX that my score had dropped from XXXX to XXXX. Something called Commonwealth Financial System had me in collections for {$1400.00}. I immediately disputed the charge with all three credit organizations. I have always paid my bills and am very distressed by this false charge. 

On XX/XX/XXXX, I called Commonwealth Financial at XXXX and spoke to XXXX (? ). She said that the collection is for their partner XXXX XXXX who in turn does collections for XXXX XXXX XXXX. XXXX XXXX XXXX saw XXXX XXXX in an emergency room somewhere on XX/XX/XXXX. They somehow attached my home address to that bill and expect me to pay it. XXXX said that she would enter a dispute in their system. I have not heard back from Commonwealth Financial. 

On XX/XX/XXXX, I sent an email to XXXX XXXX. It has not responded. 

Since I was never contacted by XXXX XXXX XXXX, XXXX XXXX, or Commonwealth Financial, I assume that they did not have my phone number or email address. I'm sorry that they have them now as a result of my contact with them because they can now use that information to bolster their false claims. 

I do not know XXXX XXXX. I did not take anyone to an XXXX. I can not understand how I can be randomly sent to collections for a bill incurred by someone else, for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, 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 am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I consumer XXXX XXXX intitate a dispute with Equifax over 3 months ago. I have sent several letters to Equifax to dispute this fraudulent account on Equifax. I am forced to make a compliant view of the CFPB due to Equifax not understanding that a consumer is the only one that can validate the debt Also, I was not notified to see if I wanted these accounts on my credit report before placing these items on my credit report. I have the right to privacy under 15 USC 1681. These accounts are defaming my character which is a violation of 15 USC 1692g. This company called Equifax is violating my rights as a consumer by keeping this fraudulent account on my credit report. These accounts are XXXX XXXX  is a violation according to 15 usc 1681 a ( 2 ) ( b ) and XXXX XXXX is a violation according to 15 USC 1681a3 ( a ) ( b ) ( c ). IF these account are not removed I will follow the next steps of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: FL

Complaint narrative:
I sent a letter about the late payment on my credit report and experian sent info saying it was verified. I didnt ask them to verify the info I asked them to remove the late payment based on consumer laws. I then sent a asking them to give full details of there investigation. and according to consumer law they have 12 day to respond. they recieved the letter askingfor the details on XX/XX/XXXX and they have 10 days to responed to with the details of their investigation.

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 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau.gov ( XXXX ) From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX : XXXX RE : Complaint against Bank of America NA Checking Account : XXXX Routing # : XXXX Bank of America not paying Checking and Debit Card Rewards and Deals that I have earned and are due me. 

Bank of America Customer since XXXX Overview : Bank of America has not paid me for my BankAmeriDeals /Rewards on my Checking Account / Debit Card Transactions that I have signed up and earned My rewards balance shows online as {$67.00}. 


XX/XX/XXXX, Spoke with BoA Customer Service Representative and then her supervisor today. I explained carefully to her that I am signed up for 119 BankAmeriDeals. She said she sees my account signed up for ZERO Bank of America Deals. I have print screens attached that show all 119 Deals. How can an Account Supervisor look at my account and see ZERO deals I am signed up for? Please refer to print screens attached. Also, please note the Customer Service Representative asked me to click on " Browse with Specialist '' so she could see the same screen as I was seeing, I did it gave me a four digit #, which the associate asked me to give her, and she said her screen just was sitting there spinning. Her supervisor would not allow me " Browse with Specialist ''.

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Constant phone calls from multiple different numbers. 8 calls XX/XX/2010 calls XX/XX/XXXX. 58 calls between XX/XX/XXXX and XX/XX/XXXX. It's automated. Sometimes it rings once and then drops the call. It's excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax and other major credit reporting agencies consistently list these inquiries. However, I request the removal of inquiries that are not associated with my accounts and are not mine. It is important to highlight the laws safeguarding Americans from debt collectors and the sharing of personal information. Some relevant laws from XXXX XXXX include : Fair Debt Collection Practices Act ( FDCPA ) : This federal law outlines rules that debt collectors must follow, ensuring fair treatment of consumers and preventing abusive practices in the debt collection process. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates how consumer credit information is collected, reported, and used. It provides consumers the right to dispute inaccurate information and have errors corrected. 

Gramm-Leach-Bliley Act ( GLBA ) : This law imposes restrictions on how financial institutions handle consumers ' non-public personal information and requires them to establish privacy policies and practices. 

Regarding the reported entries, the following are suggestions for removal due to their inaccurate or non-associated nature : XXXX XXXX : Reported on XX/XX/2022, but not associated with my accounts. 
XXXX XXXX XXXX : Reported on XX/XX/2022, not mine and lacks account attachment. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( XX/XX/2022 ), XXXX XXXX ( XX/XX/2022 ), XXXX, XXXX XXXX XXXX XX/XX/2022 ) : These entries are not accurate or lack account attachment. 
It is crucial to ensure the accuracy of credit reports and protect against unauthorized inquiries that may negatively impact one 's creditworthiness. By understanding and exercising our rights under these laws, we can maintain the integrity of our credit information and financial well-being. 


XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX XXXX NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XX/XX/XXXX  NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX/XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XXXX XX/XX/2022 NEGATIVE Suggested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
The company closed my account for using my boyfriends card on my account and when we showed all banking statements they still couldnt send me or my boy his money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I received correspondence from Bank of America regarding a fraudulent checking account opened in my name. I called and filed a fraud claim and went to local branch in XXXX, MD who advised the account was closed and they were going to investigate. In XX/XX/XXXX or XX/XX/XXXX, I received correspondence confirming the closure of account and I was not liable. In XXXX or XXXX of XXXX, I received correspondence and a debit card from Bank of America. I called and was placed on hold 2x and was expecting a call back and never did. I received notification from the Credit Bureau that Bank of America opened a checking account in my name in XX/XX/XXXX. Bank of America is reckless in their efforts in protecting consumers by having such lack security and safeguards. There's no way accounts should be able to be opened without identification and the fact its on record from XX/XX/XXXX that I have never had a account with Bank of America nor will ever have an sort of account with Bank of America. Bank of America needs to be held accountable for their inability to protect consumers when they have knowledge of prior fraud. This is absurd, time consuming and nerve-wrecking.

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 2023-08-12 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: TX

Complaint narrative:
I opened my checking account on XX/XX/2023, and since then I have not received my debit card. When I opened I gave a mailing address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX, TX XXXX different from my home address XXXX XXXX XXXX XXXX XXXX, TX XXXX. It looks like the mailing address wasnt added to my profile and thats why im still waiting for my debit card. 
I requested 3 times to update the mailing address on file trough the online banking on XX/XX/XXXX, XX/XX/XXXX without any answer. 
Please proceed how was instructed trough secure message on the online banking. And also send a new debit card and pin. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have had this Rapid Rewards account for some time, and pay it off every month. In the past I have made multiple payments, with the intent to avoid finance charges and pay the balance in full by the billing closing date. 

The last payment of {$3700.00} made on XX/XX/2023 was to XXXX  out the account balance. 

When I contacted Customer Service, I was informed the full balance needed to paid by the due date. This is not how I have been managing my account before with paying the full balance by the closing date to avoid the finance charges. I requested a courtesy adjustment of the {$210.00} and acknowledged I would pay the balance off by the due date going forward, but was declined. 

As you can see by my account history, I have only carried a balance forward maybe 1-2 months, and found this service unacceptable, especially when I pay for this card. If this is not resolved in my satisfaction- I will use my other credit card that offers better service and perks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: IN

Complaint narrative:
I have sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate

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 2023-08-12 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
First time reporting fraudulent charge of {$100.00} was next day after charge. At that time card company canceled our card and hung up on us. We called back and now informed that a letter was sent out the day before the fraud charge and we need to wait for letter prior to any services from card company. Fraud charge was on XX/XX/2023. As of XX/XX/XXXX no letters, no phone calls, nothing. Card company will not talk with us on phone either. We sent 1 registered letter and 2 regular mail to them. We are completely being ignored. We contacted credit report agencies and placed fraud alerts on our credit.

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 2023-08-12 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: NJ

Complaint narrative:
When applying for a mortgage, my credit report came back and showed my student loans as duplicates one from XXXX ( current loan servicer ) and XXXX, which was the original servicer which had transferred my loans to XXXX. These loans were transferred on XX/XX/2023.

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 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am requesting the removal of this account from my credit report, as it currently displays a balance of {$0.00}. Additionally, I urge the inclusion of legislation that safeguards me, as an American, against debt collectors. Account details are as follows : Account # : XXXX Status : Closed Credit Limit : {$200.00} High Balance : {$300.00} Payment Amount : {$0.00} Last Payment : XX/XX/XXXXXXXX  Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXXXXXX  Closed Date : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Coll/Chargeoff Past Due : {$0.00} Worst Rating : Remarks : Payment after charge off/collection Paid profit and loss Completed : XX/XX/XXXXXXXX  Don't Remember Being Late : I have no recollection of ever being late with a payment on this account. Kindly furnish statements and records of all payments made and missed since the inception of this account.

Company response to consumer: Closed with explanation