vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: OH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from XXXX and XXXX dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character.

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I had transferred {$1400.00} on XX/XX/2023 to Ally bank through XXXX Bank in search of better interest rates as I firmly believe banks tend to lie about their true interest rate or change it last second, I was happy with Ally until I noticed XXXX XXXXXXXX had offered 4.30 % APY noticing that and recognizing them as a big bank I was questionable and only started with {$500.00} on XX/XX/2023 realizing their interest rate was legitimate I decided to move funds from Ally bank to XXXX XXXX through XXXX as it is a faster method of transfer. I tried and it wasn't working, finally on the third or fourth try I had received a notification saying I'd met the daily limit, something I would've adhered to if I received the first time. Later I had received notice on XX/XX/2023 that they had locked my account, confused I called and asked them to unlock my account. I had done the whole verification process and they claimed it was under review for two days. So I waited the two days XX/XX/2023 I called them in the morning asking to please unlock my account they said that an investigator is looking into it right now and I should receive a call. I never did. I called back in the afternoon and received the same answer that it was under review by an investigator. I think it's ridiculous that I can't just verify my identity and unlock it right now, especially since I told them it was the account holder who was trying to transfer money. I've been told to wait tomorrow XX/XX/2023 to call in the afternoon but I don't have high hopes, I was just trying to transfer money. From a supposedly " Good '' bank now it's turned into a nightmare to get back my almost {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America Credit Card refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every thoussand dollar less provides a better score. 


BankAmericard Platinum Plus Mastercard - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing XXXX Last payment XXXX Last payment : {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned!

Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. The account with this company has been charged-off, which is a cancellation of debt, which is now income, and according to the IRS, income is excluded from the consumer report. This company is in violation of the law. Please find attached document that further prove my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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:
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. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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:
XXXX XXXX XXXXXXXX XXXX  account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. 
I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Feder
al statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the company or affiliates are to contact me or any family members by any means other than the US mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
United Auto Credit co account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to.

I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the company or affiliates are to contact me or any family members by any means other than the US mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The wrongfully froze the credit without my knowledge or consent and are refusing to unfreeze and as of XXXX pst on hold without an answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
During the pandemic I was working at XXXX XXXX in XXXX SC I received in the mail a bank of America card for unemployment I told the people at my work wrote a handwritten letter sighed and dated it to send to unemployment thought it was taken care of but got layed off a lil over a year later and there was an account opened in my name bank of America sent the people another card with my name on it to a address that is not mine and I still haven't received unemployment which it's to late now I guess but still want to see what I can do bank of America shouldn't be able to open accounts for any reason without someone's knowledge.. and just a few months ago I received bank of America bank statements with all foreign names a a bunch of XXXX transactions on it the people would put like {$1800.00} through XXXX and then XXXX all the money to 3 or 4 different foreign names and I never opened that account either but they have my address somehow so I got like 2 statements and my unemployment card accidentally I guess

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Opened XXXX XXXX  COMMONWEALTH FINANCI {$2100.00} My personal information was sold to this company and that is a violation to my FBRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writng in regards to my consumer disputes that was never responded to which is unprofessional and against consumer law fdcpa-frca, its been 30 plus days still no response from the companies in question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
My Mother passed-away onXX/XX/2023. I communicated with XXXX XXXX company and told them I had to refurbish my Mom 's home before we sell it because she was a smoker who smoked in her home. They agreed, we were all on the same page. 
On XX/XX/2023 my brother-in-law received a text message that they wanted to by his foreclosure house in XXXX, CA. What?!?! I immedately called the XXXX XXXX Co ( XXXX ) and they advised me that they had foreclosed on the home as of XX/XX/2023. I felt as though they were rude and not concerned about helping me, they saw no urgency. On XX/XX/XXXX I called on a three-way call with my Attorney on the phone. They did not want to give my attorney the balance, the attorney contact info, nothing. Uncooperative. 
On Saturday XX/XX/XXXX I went to my mailbox and there were 20 " packets '' of information all with foreclosure/default filings from the court. Each and every packet is post-marked XX/XX/2023 - two weeks after foreclosure was filed. 
I feel as though they are trying to swindle me. They have all my contact information, yet no one ever reached out to me in regards to foreclosure. They have ALL my contact info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are unauthorized inquiries, hard inquiries and collections on my credit report. Collections are on my report that is open or past due. This is a violation of the fair credit reporting act, 15 USC 1681. 

XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  was reported twice on my credit. I am not aware of this agency, they could not verify any documents from me when I contacted them. 

XX/XX/XXXX XXXX XXXX  reported on my credit unawarely. This debt was paid off but they are still on my credit and it is and has brought my scores down. 

XX/XX/XXXXXXXX XXXX XXXXXXXX has reported items on my credit and when I spoke with them, they had no debt in my name. 

XX/XX/XXXX XXXX XXXX XXXX  was reported on my credit, this is inaccurate reporting and needs to also be removed. I have no clue of who and what this company is. 

XX/XX/XXXXXXXX XXXX XXXX  is also on my credit report, I asked for information to who they were and they could not provide me any of my original records of debt from them. 

XX/XX/XXXX XXXX XXXX was reported on my credit report, it is also an unauthorized reporting account. 

XXXX XXXX XXXXXX/XX/XXXX was authorized to run my business credit and not personal credit. I spoke to the banker and she said that my business credit was during setting up my business account ran but it was not. She did not have my permission to run my personal credit. This is against the law XXXX XXXX XX/XX/XXXX I am unaware of this company. This hard inquiry is authorized. I dont recognize this account XXXXXXXX XXXX XXXXXX/XX/XXXX I am unaware of this company. This is authorized as well.I do not recognize this account The companies I want to report is TransUnion, XXXX and XXXX! All the inquiries, collections and hard inquiries are on These XXXX bureaus! And it is against the law

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