vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I had a spend acct. with credit karma due to filing my tax return with XXXX XXXX last year in order to receive the return faster. I again used XXXX XXXX this year and again they asked if i wanted to use the spend account to receive the return and i said yes.A few days later i got a letter from credit karma that the account had been closed and a check for the balance. Thed did send emails in XXXX XXXX and XXXX about the situation but I missed them.As it was too late to change the tax return I called credit karma and was told my return would be sent back to the irs as the account was closed. However, on XXXX XXXX my {$600.00} return was sent too AND accepted by credit karma.They had NO legitimate reason to accept the deposit. Not only was i told by their representative it would be returned but the email they sent on XXXX stating they had closed the account also says, and I quote " Any transactions that are presented to your account after it closes will be denied or returned. " They admit they have the money and they admit they have my correct address, yet after almost 3 month and endless call and emails they still have it. They claim to have sent XXXX checks so far but they never come.I dont belive they send them and they intend to keep the money.At this point they are no longer responding to emails and their call center is usless.I filed with the XXXX  to no avail.They resond with dates that allow for the case to be cosed without them actually doing anything.The checks never come. I am not alone there are hundreds of complaints just like mine with the XXXX.Nobody does anything about it.Gentlemen, your whole reason for your existing is so somebody can do something about it. Credit karma has already proved they use deceptive practices as they were sued and lost because of it.Im a XXXX XXXX XXXX vet, I cant afford to sue them and I need that money. Please help. They aready claim to have sent XXXX checks already but they never come

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These company has used my credit improperly and 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 2024-05-13 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: GA

Complaint narrative:
I checked my consumer report regarding XXXX XXXX XXXX of today of XX/XX/year> and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. Mywallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. Iam concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reporting fraud account under my name to 3 bureaus and my score always drops for XXXX points, please help 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 2024-05-13 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: IA

Complaint narrative:
XXXX Credit Bureau refuses to update my account to reflect factual payment history made on the account. I paid off the account and XXXX then re-opened it showing a still remaining debt. I had asked XXXX XXXX XXXX XXXX XXXX XXXX to supply the factual payment history and paid off and closed out accounts which they agreed to doing to all three credit bureaus and only XXXX is showing paid off. Experian does not reflect paid off and closed account but their payment history is accurate. XXXX  refuses to update my accurate payment history and closed out paid off auto loan account with XXXX XXXX XXXX XXXX. I requested to speak to the supervisor of the member accounts solution department because I was being lied to, ignored and refused to respond to written requests for information. XXXX XXXX was informed of the actions and behaviors of XXXX but I had to tolerate and endure unprofessional treatment and conduct for months without resolve. I contacted XXXX directly and initially the customer service agent did not think she could do anything, I asked to speak to supervisor named XXXX who said his department is highest any consumer can go and there is nothing he can do because the only way to change the report is if XXXX supplies the information. He said he didn't any supporting information to show otherwise and refused to provide any other information and stated even though I am saying XXXX reopened a previously closed out and paid off account there is nothing he can do as the only way that would have happened is by XXXX notify and sending in that information to still show a debt and open account. He then refused to supply any other information and no longer wanted to say anything as he said the dispute results were accurate and I would have to contact XXXX myself because I was no longer able to file a dispute about the account. I supplied the statements and email correspondence with my dispute showing I made payments and closed out the account and verified and confirmed this with XXXX XXXX but XXXX XXXX said that they aren't able to take anything I submit and refused to give any reason why they were not able to use that information. I did everything I could possibly due to correct this on my own and directly with XXXX XXXX and with XXXX and Experian credit reporting companies but have not been able to get this resolved own my own after multiple online and written disputes directly with the companies and through third party companies like XXXX XXXX. I need help and requesting assistance in helping me get correct and accurate information supplied on my credit reports and payment history which XXXX is refusing to do and Experian hasn't updated either.

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 2024-05-13 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: GA

Complaint narrative:
I checked my consumer report regarding the XXXX and XXXX today of XX/XX/year> and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything XXXX law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing is our borrower for a rental property we own in XXXX XXXX XXXX XXXX XXXXXXXX We have paid our monthly payments every month on time until we received a doubled bill. We paid the doubled bill and called them to ask why they are charging so much. They claimed that they are taking money for the property insurance and taxes. I proved to them that i pay all this independently and asked them to correct the monthly payment to the original one and refund the additional money i needlessly paid for good standing and they did not do anything about it. 
I spoke to a different rep every couple weeks, begging them to stop harassing me and re-proving that i owe them no such moneys and still, they don't stop demanding money they don't deserve. They have started a forecloser process when there was no need, they have ruined my credit and are literally bullying me in demand of monies that is not theirs to demand. 
I have provided them with every document they've asked for in proof of my justice and still they continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. Mywallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. Iam concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
After multiple attempts to get information over the phone with Bank of America, I made a request in writing for all of the documents and information available regarding the establishment and/or use of a Credit Card that was establshed in my name between XXXX & XXXX of XXXX. 
I made sure to include a copy of my State Driver 's License, a photo of my holding said license, a copy of the local police report and a copy of the Federal Trade Commission 's Identity Theft report. I also included a copy of Section 609 ( e ) of the Fair Credit Reporting Act which outlines the requirements of creditors to provide this information to victims upon request - both free of charge and within 30 days of receiving the request. I sent the requst via Certified Mail and it was received by Bank of America at the address they provided on XX/XX/XXXX. As I file this complaint it has been XXXX  days since they received my request and I have gotten no response from them whatsoever.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called TransUnion yesterday to get a copy of the outcome of my disputes that were completed on XX/XX/2024 the representative told me that they couldnt not send me a copy through the mail. She also told me they dont have it anymore.

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 2024-05-13 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: PA

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-13 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: I.C. System, 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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : I C SYSTEMS COLLECTIONS XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-13 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-05-13 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: NC

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerningthe individual about whom the report relates. 

I sent a letter XX/XX/XXXX asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX. I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX XXXXXXXX I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX XXXX I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

They have not responded to me. I have a copy of all of my letters. Can you please take a look into this as this is affecting my life. Nothing has been modified or updated. I requested a description of the investigation and did not provide it to me. This is a violation of 15 USC 1681I7

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 2024-05-13 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: IL

Complaint narrative:
Starting in XXXX i have sent several dispute letters to Transunion with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per transunion the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with transunions and i would like my credit file updated and accurate.

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