vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have been a loyal customer of Bank of America since XXXX. However, Bank of America kept bringing me troubles since XX/XX/XXXX. On XX/XX/XXXX, I received an email saying that Bank of America closed my checking account and cancelled my XXXX. This bank account is my primary account and it's very important to me. To solve this problem, I made a phone call to Bank of America customer service, trying to communicate with them. However, they said it is a business decision and Bank of America has the right to close my account without any reason. Even though they sent a check to return my balance in my debit card, they had already brought much inconvenience to me because I relied heavily on this debit card to pay my bills including my Bank of America credit card. 

In the beginning of XXXX, I received a letter from Bank of America. The letter said that they decided to close my checking account due to security reasons and they may inform other banks not to open checking accounts for me. The letter made me heartbroken. I have never get involved in any illegal activities so I don't know what is the " security reason ''. I still did not give up solving this problem, and I communicated with Bank of America customer service again on XX/XX/XXXX. The customer service told me that I was not involved in any illegal activities and they would not inform other banks not to open checking accounts for me, but they could not reactivate my debit card. I felt I was discriminated by Bank of America. 

Then I had to open a new checking account in another bank, but it took some time so I could not repay my Bank of America credit card on time. In XXXX and XXXX, I took some friends to travel in XXXX and I spent a lot. Without a debit card, it was hard for me to repay my balance, so I keep suffering from the high interest charge from Bank of America credit card. For the problem of the credit card, I have already reported in another case. 

It was Bank of America 's fault to ridiculuously closed my checking account without any reasonable explanation and made it difficult for me to repay my credit card on time. Furthermore, Bank of America has created a lot of trouble to my life because they closed my account. I feel that I am discriminated by Bank of America and my rights as a customer are severely hurt. I hope CFPB can take actions to protect my right.

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 2024-10-04 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
They need to tell the credit reporting agencies that my account is paid off. Giving me a closed account pdf with my payoff history does nothing for me with the credit agencies. It's a phone call for them. The. Company is santander consumer usa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete the item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: GA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XX/XX/24 Our loan was transferred from Shellpoint/ NewRez to XXXX XXXX XXXX We started getting late notices and Late fees on our account from XXXX XXXX  due to funds not being forwarded from NewRez. We made XXXX extra payments that can not be accounted for by New Rez or XXXX XXXX. One of them may have misapplied to principle by NewRez on XX/XX/24. A payment XXXX to NewRex and from an auto draft on XX/XX/24 that can not be found by either party. A payment XXXX made online to NewRez on XX/XX/24 to balance a short payment is lost in the wind. 
We have done our due diligence by trying for 60 days to straighten the payment processing and proper application, phone call after phone call with XXXX XXXX  and Shellpoint/NewRez ( Shellpoint/NewRez does not have a customer contact line that can be easily accessed after they transfer your note ), extra payment after extra payment to keep current. 
All I am asking for proper application of payments made, and an accurate accounting of and where they were applied. 

I can provide documentation from our bank showing the payments and dates on our end. The servicers have not been able to provide accounting.

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 2024-10-04 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: VA

Complaint narrative:
I am writing to request that you remove these fraudulent accounts and inaccurate information from my credit reports at your earliest convenience. I gave no authorization for these fraudulent accounts and innaccurate information to exist. It recently came to my attention that these fraudulent accounts and inaccurate information are currently reporting on my credit reports. I also want to include fraudulent inquiries from my XXXX credit report that I did not authorize to exist. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon further investigation, I can conclude that I am a victim of Identity Theft. My rights under the Fair Credit Reporting Act ( FCRA ) laws are being violated. According to the Fair Credit Reporting Act ( FCRA ) and ( 605B ) 15 U.S.C. 1681c-2 laws, and other Fair Credit Reporting Act laws that are relevant to this matter, these fraudulent accounts and information that I have truthfully identified in this affidavit must be removed and deleted from my credit reports immediately. Please provide me with written confirmation that these fraudulent accounts and inaccurate information have been 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 non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have had a card with this company for 3 years.. never late and credit score of over XXXX XXXX  .... i have been recently denied a credit card limit increase with Capital One .... 

( A screenshot of this Letter is attached ) When i attempted to get an answer as to why Capital One can not verified my information.. I was told to refer to the letters reasons.. but yet the letter does not explain as to why the company can not retrieve my information.. nor is anything listed on their website regarding the matter.. I spoke to customer service and was told another dept needs to get involved to research.. which takes XXXX business days.. I waited XXXX weeks.. called back and spoke to a supervisor who was trying to refer me back to the letter reasonsing.. and stated I have to wait another XXXX business days for a review for my credit limit increase ... my goal for the call is to resolved why the company can not retrieve my credit data from the agencies.. I checked my credit reports and there are not any blocks or freezes on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: 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 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 2024-10-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-10-04 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$540.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-04 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: NY

Complaint narrative:
I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all XXXX credit reports. I also disputed any inaccurate information on all XXXX credit reports. I followed all instruction given to me by all XXXX credit bureaus. I called all XXXX credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all XXXX credit bureaus are providing completely different information as well as XXXX XXXX. Example : XXXX site is stating my credit score is XXXX, but XXXX site is saying my XXXX  credit score is XXXX. I pay a monthly fee to monitor these XXXX reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all XXXX credit bureaus and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 


I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX AND 1ST FRANKLIN FINXXXX. 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
XXXX XXXX XXXX XXXX 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 2024-10-04 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: CA

Complaint narrative:
I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX XXXX  ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship oF EQUIFAX due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EQUIFAX has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EQUIFAX, including USPS tracking number and screenshot of date of delivery. You EQUIFAX are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EQUIFAX has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 2024-10-04 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: FL

Complaint narrative:
This morning, I was caught off guard when I found inaccurate accounts listed on my credit report, and I have no idea how they got there. I check my credit regularly, and this time, errors just appeared out of nowhere. I even refreshed my browser, thinking it was a simple glitch, but nothing changedthe wrong accounts were still there. Im really hoping my documents will be examined closely so I can put an end to this constant worry.

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 2024-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've tried multiple times to resolve the fraudulent, inaccurate, and misleading info showing up on my credit report, but the issue is still hanging around. It's been super stressful and XXXXXXXX especially since I never gave permission for this info to be linked to meI 'm a victim of identity theft, after all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief