vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Account is reporting a date open of XX/XX/XXXX but date of last activity is reporting XX/XX/XXXX on XXXX. Inaccurate information being reported on each credit bureau. Date of last payment is reporting XX/XX/XXXX on XXXX and no date reported on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
hello I currently bank with bank of America and have been noticing charges that I or anyone has never made also there are transactions where there the purchase amount has been increased to reflect a different amount. when this occurs bank of America would lock me out of my account then due to " fraud ''. there has been no complaints on my end of any fraud on my account for a while because when I do make a complaint Bank of America punishes me by putting unnecessary fraud blockages on my account. bank of America currently has my account on a fraud hold now for no apparent reason, every time they send me a fraud text message I respond clearing the fraudulent charge as a good charge. when logged into my account I can't view any of my credit card charges so I had to go to my credit card reward activity to view the current charges on my credit card that's when I found a charge that Bank of America had increased by {$1000.00} to reflect a different amount. Bank of America fraudulently went into my credit card account while they locked me out of my account and the ability to directly view my charges, then they started changing transactions on my account to show a different amount than what I purchased from these vendors. I took screenshots of these transactions and called Bank of America then they took what little access I had away. they have now locked me out of viewing my credit card transactions completely. I have verified myself multiple times with this bank and they are stating that I have to come into a financial center even though I have explained to them that I am out of the country. this is not the first time the bank has locked me out of my accounts while I was out of the country. I have requested of the bank to let me view my transactions because I need to see what I am paying interest on and they have refused. I have screenshot copies of these charges to proved support of this fraud by Bank of America. the files that I have uploaded show my credit card account before bank of America locked me out of my account for " fraud '' purposes, the other images shows the transactions while Bank of America has my account locked.

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 2024-06-30 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:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that was paid off and in agreement with the creditor would be removed from my credit report to reflect no negative history. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. These accounts were paid off and should reflect positivley on my report : XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were not paid in full and the agreement was not made between the creditor and myself.. If proof can't be provided I demand these accounts be removed from my credit report or updated to paid on time.

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 2024-06-30 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: IN

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company proceeded without my consent.

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 2024-06-30 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:
Remove these inquiries immediately. I have no information about them, and the company acted without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX I don't have a contract with SUNRISE CREDIT SERVICE, they did not provide me with the original contract as I requested. Also the burden of proof falls on the collection agency not the consumer. I find it concerning that SUNRISE CREDIT SERVICE collections is not complying with legal requests. If SUNRISE CREDIT SERVICE can not provide proof they sent validation of debt, I demand this account be removed from my credit report as it is my right per FCRA section 623. ( a ) ( i ).

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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I applied for this credit card. They wanted me to go online to activate it. Once I tried to. The company wanted a {$35.00} a month service fee. So I called the # on my card that I received through the mail. And the individual. Told me yes there is a monthly fee. So I told the individual I wasn't going to activate the card. I hung up the phone and cut the card up. Without activating it. I received a letter in the mail .stating that there was fraudulent activity on this credit card I never activated. I perseved to call the 1800 # and the individual said that he could not see the problem until I activated the card online. Bank of America. Is the company

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 2024-06-30 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that was paid off and in agreement with the creditor would be removed from my credit report to reflect no negative history. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. These accounts were paid off and should reflect positivley on my report : XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were not paid in full and the agreement was not made between the creditor and myself.. If proof can't be provided I demand these accounts be removed from my credit report or updated to paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
On XX/XX/year> I did a application with XXXX XXXX to receive financial aid on purchasing and new mobile home with land. Was told to expect phone call from Mortgage companies. On XX/XX/year> I received a call from XXXX XXXX who told me that they did not off assistance on single wide mobile homes, so on to the next one from XXXX XXXX  who did offer so we decided to proceed with application process. Then I got a call from Amerisave Mortgage who said they did offer also, but I needed to pay for a credit check. I asked why I needed to and was told that they don't get to see my credit pull from the application that they have a system that alerts them when someones gets checked for a Home Mortgage Loan. I paid {$41.00} And then transfered to their financial dept. I was then told that they did not offer assistance for what I needed so I asked for a refund for the credit check. The guy asked why I explained the girl I talked to said they did so since he is now saying they don't that I was defrauded by this company and they needed to make it right. He hung up so I called the number back and got the same guys XXXX. Gave my name, phone number and explained I was the guy he just hung up on. I called back several more times and no response. Amerisave Mortgage is a rip off and if they did that to me imagine how much money they have defrauded people out of.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-30 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: Kikoff Inc.
State: NH

Complaint narrative:
You have failed to provide the following information as part of your investigation. 
Kikoff Account # : XXXX I expected a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 
Additionally, I requested documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. 
This erroneous reporting has had significant adverse effects on my reputation, personal standing, and ability to secure credit for personal and housing needs. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect full compliance with its provisions. Should you fail to delete the inaccurate information, I request that you provide the name and address of the person ( s ) whom you contacted to verify this disputed information. 
Failure to comply with this request constitutes a clear violation of federal law and has inflicted severe harm on my family and me. 
This letter serves as a final opportunity for Kikoff to rectify this issue by promptly deleting the erroneous account from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
There are inquires on my TransUnion report that are not mine I only have ever had one credit card in life which is still active I have more then 13 inquiries alone on my TransUnion I just learned about credit so this is Hendering me especially when I have no knowledge Companies as followed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-06-30 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:
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. 

NAME OF ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It states a consumer reporting agency can not furnish a account furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s2 ( 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 2024-06-30 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: TX

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. 

NAME OF ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It states a consumer reporting agency can not furnish a account furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s2 ( 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 explanation
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
Please eliminate these inquiries. I am unaware of this, and the company went ahead without my authorization.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Today I receive a alert at XXXX XXXX  from experian saying my file was being acess tried to login to my account but everytime I request for verification code someone cancel the request.At XXXX a text from experian saying that I am sharing data with a third party.Someone is accessing my account online and when I go back to the information it be deleted.XXXX  the same thing and they said that they have a product that belongs to me but before I can access it a third party got to connect.I don't have no credit cards, and my accounts that I created most of them are closed or the account have been changed

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 2024-06-30 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: NY

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 and 15 USC 6802. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

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. 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.

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.

15 USC 6802 - Obligations with respect to disclosures of personal information. I did not receive the required opt-out notice at the time I created the accounts that are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am not responsible for the debt it was not authorized and fraudulently I am asking can you please help remove this debt from my credit account the account was not verified and I was not provided any proof of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX American Express Company XXXX XXXX XXXXXXXX XXXX XXXXk, NY XXXX Employer Identification Number : XXXX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by American Express Company, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that American Express Company delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
Please delete these inquiries. I am not knowledgeable about this, and the company acted without my permission.

Company response to consumer: Closed with explanation