vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have recently filed a complaint against my mortgage company, Bank of America XXXX XXXX XXXX. The company claims to have followed the legal guidelines by issuing me the appropriate documents for me to use to apply for a modification of my loan. I was informed that my loan could not be modified. So, I was not anticipating the receipt of those forms. I never received a notice of acceleration of the loan. They say that two notices were sent to me. I never received any such documents. They state that they sent two certified letters to me discussing a possible sale of my property. I never received any certified mail from them ; however, I found a receipt online at my USPS online account that is time stamped in, marked as refused and it was returned with the same time stamp in the same minute. No attempt was made to deliver either document. I would never refuse any certified letter. Due to the lack of distribution of these legal documents. Bank of America changed the trustees who should have also sent me a certified letter informing me of a foreclosure sale of my home of twenty two years. They did not. 

In fact, after I notified XXXX XXXX of my recent XXXX status, all correspondence, notices, emails and phone calls completely ceased. I know that the information of my XXXX status and my age of XXXX, made me appear to be an undesirable client. This is discrimination of the XXXX XXXX on a fixed income with XXXX income. From their response to my previous complaint, they published many documents that I have never seen along with a sympathetic letter to me conveying false empathy for my permanent XXXX XXXX XXXX, so insincere. Due to the fact that I never responded or re
ceived any of these mythical documents. They felt they had the right to auction my home to the highest bidder on the courthouse steps which I consider to be public humiliation. I thoroughly object to their dismissal of me as they circumvented the law providing me due process and have the sale Null and Void.

They know I was never sent the many letters and notices that they allegedly sent to me. Bank of America, Countywide Home Loans, XXXX XXXX XXXX XXXX, and XXXX XXXX are guilty of fraudulent claims and discrimination toward the XXXX  and the XXXX. 

With the mounds of money they have been paid from me, they should deliver me with an unencumbered deed to my property.

Watch out fellow Americans if you find yourself having to deal with any of these henchmen. I refuse to let them put me out of my home making me homeless, penny less, with a lifelong XXXX. This is so wrong on so many levels.

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 2024-10-11 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-11 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NV

Complaint narrative:
Well I'll start by saying I've done this process multiple times with NetSpend and on more than one occasion I was on hold for literally hours before being disconnected or hung up on as soon as I finally get ahold of an actual human being. In which case I have gotten no help from I have made them aware that 1 of 3 cards amounting to about {$7300.00} was stolen and I was told transferred the whole of {$7200.00} to an account and they have not been able to assist me in cancelling, reversing, somehow stop and investigate this for me It was months of XXXX, XXXX, and XXXX of this year when I cashed a check at XXXX XXXX in the sum of {$24000.00} for my house loan finance I recently received and they put my money from that check onto the NetSpend cards amounting to about {$7300.00} now 2 of 3 cards were utilized spent and regular statements were provided it's the 1 card that was clearly stolen and money taken that they are not willing to assist me in recovering or validating my claim with an investigation I told them I have a police report if they need one and not just that but they've terminated me as a customer completely now to where I'm not able to see any of my prior dealings with NetSpend so I would please ask that you help me to make them understand that I have been telling them that my card and obviously the money on it were stolen and jeopardized so please this is money I put on there card services not credit or anything else it's my money they didn't protect and now are not recovering or caring to help me recover from this situation! Please and thank you so much!

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-11 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 
Account : XXXX XXXX XXXX- {$1500.00} - Date Opened - XXXX. XXXX, 2024

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 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion - XXXX XX/XX/XXXX Transunion

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 2024-10-11 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: AR

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-10-11 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:
I am writing to formally dispute an account appearing on my personal credit report, as its presence constitutes a violation of consumer protection laws. 

This account is a business account and was not personally guaranteed by me. As such, it should not be reported on my personal credit file according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which stipulates that only accounts for which a consumer is personally liable should be reported on their credit report. Reporting this account as a personal obligation is not only inaccurate but also unlawful under the FCRA and other applicable consumer protection laws. 

XXXXXXXX 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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally disputing the incorrect spelling of both my name and address as reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and Michigans Identity Theft Protection Act, Act 452 of 2004, I am requesting immediate correction of these inaccuracies.

Correct Information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX According to the FCRA 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, Michigans Identity Theft Protection Act emphasizes that all personal information provided in a consumer report must be accurate and verifiable ( Section 445.72 ).

To resolve this issue, I have enclosed a copy of my government-issued ID and a banking statement that shows my correct name and address. Please update the necessary fields and provide me with an updated report once these changes have been made.

I am also requesting that this letter be placed in my file to document that the inaccuracies were not caused by any fault on my part. Kindly complete this investigation and correction within the 30-day period as required by the FCRA.

Should you need additional information, I am happy to provide it. Please notify me once the corrections have been made or if any further steps are required on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally disputing the incorrect spelling of both my name and address as reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and Michigans Identity Theft Protection Act, Act 452 of 2004, I am requesting immediate correction of these inaccuracies.

Correct Information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX According to the FCRA 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, Michigans Identity Theft Protection Act emphasizes that all personal information provided in a consumer report must be accurate and verifiable ( Section 445.72 ).

To resolve this issue, I have enclosed a copy of my government-issued ID and a banking statement that shows my correct name and address. Please update the necessary fields and provide me with an updated report once these changes have been made.

I am also requesting that this letter be placed in my file to document that the inaccuracies were not caused by any fault on my part. Kindly complete this investigation and correction within the 30-day period as required by the FCRA.

Should you need additional information, I am happy to provide it. Please notify me once the corrections have been made or if any further steps are required on my part.

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 2024-10-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-10-11 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-10-11 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-11 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: NY

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, NY 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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am formally disputing the incorrect spelling of both my name and address as reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and Michigans Identity Theft Protection Act, Act 452 of 2004, I am requesting immediate correction of these inaccuracies. 

Correct Information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX According to the FCRA 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, Michigans Identity Theft Protection Act emphasizes that all personal information provided in a consumer report must be accurate and verifiable ( Section 445.72 ).

To resolve this issue, I have enclosed a copy of my government-issued ID and a banking statement that shows my correct name and address. Please update the necessary fields and provide me with an updated report once these changes have been made. 

I am also requesting that this letter be placed in my file to document that the inaccuracies were not caused by any fault on my part. Kindly complete this investigation and correction within the 30-day period as required by the FCRA. 

Should you need additional information, I am happy to provide it. Please notify me once the corrections have been made or if any further steps are required on my part.

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 2024-10-11 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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

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