vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Victim of identity theft when I finally received my bank of America card with my benefits the balance was XXXX. I have contacted unemployment but because funds were dispersed to Bank of America and were fraudulently used or transferred from a Bank of America account thats where I should receive my reimbursement from

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 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX  XXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



1.Unverified Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX  XXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location. 





1. Unverified Account Information : XXXX XXXX XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.

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 2024-07-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX XXXXXXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



1.Unverified Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX XXXXXXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location.

1. Unverified Account Information : XXXXXXXX XXXX  XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Rolled over a CD on XX/XX/year>, changed mind and closed it on XX/XX/XXXX. The fund received was the beginning balance on XX/XX/XXXX, no interest at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
XX/XX/year> My mortgage Servicer, Mr. Cooper. Is a nightmare. I can not speak with a human in their customer service or the escrow department. After going in circles numerous times and trying various phone numbers. Their AI system just goes in circles. I can site numerous steps I followed only to repeat myself in a maze with no results. Why do consumers have to jump through hoops and nonsense? 

Next, I tried their chat assistance. The Chat representative said there is no human contact person for the escrow department. OK fine, I then asked about how to actually speak with a human in customer service dept. I was instructed to call a number then press # XXXX and next # XXXX. Did not work. I did not select Mr. Cooper as my mortgage servicer. Why am I held hostage to a company that has cut corners to not provide actual human customer service? This should be criminal! 

Contact Info below Mr. Cooper XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Real-Time Customer Assistance Our Customer Service team can be reached by calling XXXX during these business hours : Monday - Thursday, XXXX XXXX. - XXXX XXXX. ( CT ) Friday, XXXX XXXX XXXX XXXX XXXX  ( CT ) Saturday, XXXX XXXX  - XXXX XXXX ( CT ) Phone Only/ No Live Chat

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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:
These companies violated my rights to privacy and have not provided me any proof of the original agreement and has negative items in my credit report. I haven't given any permission to or signed any contracts.

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 2024-07-12 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: TX

Complaint narrative:
These companies violated my rights to privacy and have not provided me any proof of the original agreement and has negative items in my credit report. I haven't given any permission to or signed any contracts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-12 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:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNT INFORMATION ON MY CREDIT REPORT. SECOND TIME REPORTING THESE FRAUDULENT ACCOUNT.

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 2024-07-12 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNT INFORMATION ON MY CREDIT REPORT. SECOND TIME REPORTING THESE FRAUDULENT ACCOUNT.

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 2024-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank needs to stop exploiting people through their tactics. I opened a Zales credit card with Comenity Bank and from the start, I had issues ( always to my detriment ). When it was time to pay the card, I couldn't access the system and was charged a late fee ( which they acknowledged once I showed them proof of their website issues ). I have made every single payment due, actually paying WAY over the necessary minimum amount. When I went to give birth at the hospital in XXXX, I did not want to worry about any charges on the card so I changed the autopayment to deduct the remaining amount owed. I thought everything was fine, especially because no payment due kept coming up. Now, all of a sudden, Comenity is saying that their system " never processed it '' conveniently, so that they are able to charge me {$3000.00} for a {$900.00} balance. They are deceptive and misleading- they set up their autopayments to make sure that the full amount is not paid by the " due date. '' I can't even access information on the " promotional plan '' they say I signed up for because they never sent me any disclosures nor agreement and there is nothing on my account. All they keep saying is " there is information on your statement '' and that the due date was XX/XX/XXXX. 

I have had a perfect payment history on this card. I have made many additional payments on the card to the point where they were only deducting me $ XXXX a month on the autopayments. I just had a baby and have so many hospital bills and I can not pay the ridiculous interest charges that were imposed on me deceptively. I offered to pay the balance in full immediately ( which had been scheduled back in XXXX ) but they wouldn't hear me on my offer even though it's merely days after the " due date. '' So many other companies offer the same solution. I need to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
On XX/XX/year> I received a text message from sofi bank to claim my XXXX bonus and I knew it wasn't true and then my account was cleaned out of XXXX $ to an XXXX XXXX! I immediately contacted the bank and they said they were investigating it and now they are saying they are not giving me any money back because I committed fraud and they are closing my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to XXXXXXXX XXXX XXXXXXXX, via Certified Mail. The letter I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my XXXX, XXXX, and Experian credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$1000.00}. This account is currently showing as a collections account on all XXXX of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or opening accounts whereby these funds would be charged to me. I do not believe this account belongs to me, and I demand it be removed from all XXXX of my credit reports immediately. 

I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me. 

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me. 

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XX/XX/year> ; 31 days after my initial letter was received by XXXX XXXX XXXXXXXX. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from 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 2024-07-12 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:
My account with the company 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 MONTHS REPORTING LATE 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 2024-07-12 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:
My account with the company 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 MONTHS REPORTING LATE 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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 recently reviewed my credit report and noticed I had fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
correction, XXXX XXXX allows XXXX of XXXX withdrawals per week, not per month.

Company response to consumer: Closed with explanation