vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX of XXXX, my XXXX XXXX checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, XXXX XXXX and I have settled in arbitration and XXXX XXXX has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 

I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX XXXX XXXX failed to uphold the stipulations in our settlement agreement. 

On XX/XX/XXXX, I applied to Bank of America and XXXX for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX  due to the erroneous information furnished by XXXX XXXX. 

Ironically, XXXX XXXX opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXXXXXX XXXX 

Due to being denied, I am missing out on the new account promotions for {$200.00} that Bank of America offers and the that XXXX offers. 

I am considering filing a suit against XXXX XXXX for not adhering to our contractual agreement and it's been over a year. 

I do not owe any bank and I have no poor history with any financial institute and XXXX XXXX has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 

I have attached corresponding documents including the remediation letter that XXXX XXXX sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that XXXX XXXX was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 

I am formally requesting a reconsideration from Bank of America to open up an Advantage Plus Banking Checking and Advantage Savings Account for me. I am also requesting that XXXX open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.

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 2024-03-30 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: IL

Complaint narrative:
It's my understanding that FCRA 605B compels us to eradicate any erroneous accounts from my credit report. Could you please double-check the paperwork? A few of the enumerated accounts show inaccuracies in reporting, such as incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had a fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I asked equifax to provide me with my free credit report online, not my login information, and they still havent fixed the problem its going on a year. Filed complaint with cfpb, and equifax said the issue was resolved and they never resolved the issue or replied back to my emails when I showed the company that I was still having the same problem. Not being able to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-30 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: IL

Complaint narrative:
Keeping up with timely payments has always been a priority for me on this account, ensuring that no payments are overdue. Nevertheless, I find it perplexing to discover reports of late payment remarks associated with my accounts. As stipulated in 15 USC 1666b - Billing Error, necessary corrections should be enacted.

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 2024-03-30 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC ReportXXXX regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : 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 2024-03-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : 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 2024-03-30 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: IL

Complaint narrative:
Keeping up with timely payments has always been a priority for me on this account, ensuring that no payments are overdue. Nevertheless, I find it perplexing to discover reports of late payment remarks associated with my accounts. As stipulated in 15 USC 1666b - Billing Error, necessary corrections should be enacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Both two students loans have been paid in full {$14000.00}. On XX/XX/year>. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Both two students loans have been paid in full {$14000.00}. On XX/XX/2024. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Both two students loans have been paid in full {$14000.00}. On XX/XX/year>. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE

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 2024-03-30 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.

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 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 explanation
Consumer complaint received 2024-03-30 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.

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 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 2024-03-30 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: 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.

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 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 2024-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently review a copy of my credt report and noticed I had fradulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX XXXX XXXXXXXX, we created a CareCredit account Synchrony Bank to pay for my son 's braces. This was an interest-free payment plan that we could pay over 18 months, set up through our orthodontist, XXXX XXXX at XXXX XXXX XXXX XXXX The total due was XXXX. We enrolled in autopay, and made regular payments on time. However, at the end of 18 months, there was no alert or warning that this was not, in fact, an interest-free payment plan, but that the interest had been " deferred, '' On XX/XX/XXXX, our account was hit with XXXX in interest charges, and then another of XXXX on XX/XX/XXXX. Again, there was no notice that our 18 months was up, and no request to pay the remaining principal. Further, when I look at the auto-payments, they total {$2400.00}, representing an overcharge of {$340.00}, but when I spoke with their customer care center on the phone, they told me we still had a remaining principle of {$1700.00}. Despite numerous phone calls, they are unwilling to remove the interest charges, and claim currently we owe them more than twice the amount we started out with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: OH

Complaint narrative:
XXXX XXXX is asking me for information that if you are my loan servicer should already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: MO

Complaint narrative:
XXXX calls on behalf of XXXX XXXX. I have an auto loan with them, it is due the XXXX of each month they will autonatically start calling on the XXXX and call me multiple times a day sometimes back to back.. upwards of XXXX times a day and even calling me well after XXXX. In the span of a week they call well over XXXX times. They call from different numbers or use software to discuss numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CORELOGIC INC
State: TX

Complaint narrative:
REMOVE / DELETE all CREDCO / XXXX XXXX ( XX/XX/XXXX / XX/XX/2023 ) XXXX XXXX XXXX XXXX  ( XX/XX/2023 ) Remove all of the LISTED INQUIRIES below. 

REMOVE NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX THIS ADDRESS IN PARTICULAR WAS NEVER AUTHORIZED/ NO AFFILIATION / NEVER USED OR SUBMITTED BY ME Remove non mailable address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MAILABLE ADDRESS are not permitted. 

I DID NOT AUTHORIZE OR CONSENT. 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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: EdFinancial Services
State: CA

Complaint narrative:
XX/XX/year> Hello, I am writing this letter to contest the so-called resolution to my XXXX dispute report confirmation number XXXX. I will prove that XXXX is grossly incompetent and worthy of censure and stringent financial penalties to be imposed by the CFPB and other federal regulators. Per the following documentation from todays XXXX XXXX report ( see attachments ), XXXX claims that I have three EdFinancial Services federal student loan balances with a combined outstanding balance of {$33000.00}. However, I have already provided documentation ( including the EdFinancial Printable Account Verification Letter used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$18000.00} across two individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated since it is grossly inflating my indebtedness and has thus been negatively impacting my consumer credit score. 

I also need to note for the record that there was a previous XXXX CFPB complaint ID XXXX for this same issue, tied to EdFinancial CFPB complaint ID XXXX. The original EdFinancial case remains active and is being worked, as is a related complaint with XXXX. XXXX good faith therefore stands in stark contrast to competitor XXXX who has twice now closed this complaint ( once with XXXX, and a second time with my confirmation number XXXX which I opened by phone following the initial case closure without a satisfactory resolution ). I will file this third complaint again and again, as many times as necessary until XXXX is held accountable for their misdeeds and takes ownership of correcting this erroneous data. Otherwise, they should be removed from the consumer credit reporting business altogether, with prejudice. I am also asking for monetary compensation from XXXX for their ongoing gross incompetence and lack of commitment to service excellence.

Company response to consumer: Closed with explanation