vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX  I contacted Bank of America to verify why my loan statement indicated that my mortgage balance was {$4400.00} after completing a modification. Bank of America 's process is to place all past due balances to the rear of the loan upon completing a modification, which brings the loan current. I explained to the representative that I completed a loan modification in XXXX and all payments were made on time, in which she agreed and confirmed that she reviewed the documents and the modification was completed. She also reviewed with the underwriting team and I was told that payments were misapplied and would be corrected in about 5 business days. I called back on XX/XX/XXXX for an update and was told it was still being reviewed and escalated and I was given a case number. I called again today, XX/XX/XXXX and was told it was still being reviewed and to call back on XX/XX/XXXX. I also informed the representatives that I have been receiving unsettling text messages and phone calls from people inquiring to buy my home. The misapplication of payments makes it appear that my loan is in default for foreclosure as well as negatively affecting my credit report and score. I have complications that require XXXX this month and having to deal with this process is causing unwanted emotional and physical stress on my body, embarrassment from callers to my phone, and the fear that I could lose my home. I have spoken to various people and departments within Bank of America and they are aware of the misapplication of payments so I am not sure why this process has taken this long, especially after it was escalated.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would appreciate it if you could examine the documents that have been provided.

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 2024-01-22 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: KS

Complaint narrative:
I reviewed my credit profile and noticed hard inquiries that do not belong to me on there

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 2024-01-22 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: Kikoff Inc.
State: MI

Complaint narrative:
Sent letters to both the creditors and credit reporting companies on XXXX. I never received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by XXXX, Equifax, and XXXX on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by XXXX, Equifax, and XXXX. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that XXXX, Equifax, and XXXX have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights.

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold XXXX, Equifax, and XXXX accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon XXXX, Equifax, and XXXX for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts XXXX XXXX XXXX XXXX {$970.00} Reporting inaccurately- Please Delete XXXX XXXX Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX- Reporting inaccurately- Please delete XXXX XXXX XXXX XXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX Reporting inaccurately XXXX XXXX XXXX {$200.00} Reporting inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by XXXX, XXXX, and Experian on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by XXXX, XXXX, and Experian. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that XXXX, XXXX, and Experian have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights. 

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold XXXX, XXXX, and Experian accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon XXXX, XXXX, and Experian for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts XXXX XXXX XXXX XXXX {$970.00} Reporting inaccurately- Please Delete XXXX XXXX- Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX- Reporting inaccurately- Please delete XXXX XXXXXXXX XXXX XXXXXXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX Reporting inaccurately Self/ lender bank {$200.00} Reporting inaccurately

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 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Bloomingdales -- - Didnot receive an online order via mail. Matter was investigated via Bloomingdales back house team. Redeemed the that shipped to an incorrect address. Investigation revealed funds should be refunded to me ( consumer ) on or about XXXX via email. After numerous phone calls and emails to customer service I have yet to receive a refund to my bloomingdales credit card. I was informed that a credit would be issued in form a a bloomingdales gift card and not via bloomingdales credit card. I have been paying interest for 2 months on items I dont have. 
I also had to repurchase the same items because I never received them.

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 2024-01-22 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: TX

Complaint narrative:
My Credit was charged so this charge is on my credit an I sent my security to them they accepted it an .I asked if they even practice TILA REGULATION Z I want a full refund I got XXXXwo different XXXX  money deposits fore {$17000.00} an they sent me the other a week later when I reported this XXXX deposit nwas {$500.00} 15usc 1605 ( a ) finance charges 15 USC 1611 I want a full refund cause my credit was charged

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 2024-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to bring to your attention a matter of identity theft that has affected my financial accounts. I have discovered unauthorized accounts opened in my name without my knowledge or consent. I am a victim of identity theft, and I am seeking your assistance in blocking these XXXX  accounts from my credit report, per 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Below are the details of the unauthorized accounts : Creditor Name : CREDENCE RESOURCE MANAGE Account Number : XXXX Date of Discovery : XX/XX/XXXX I contacted Credence Resource Manangement on several occassions and asked them to verify the debt, provide proof of purchase from the original creditor and XXXX  associated documentation, I also asked them to stop XXXX  to XXXX  me or XXXX  me for fraud, however, I still get unwanted XXXX  and XXXX  from them regarding this debt. I never had a contract with XXXX XXXX XXXX or any company they are affiliated with and can confirm that I am a victim of identity theft and data breaches. I would like these accounts removed from my XXXX  reports. Disputes have been made with the XXXX 's dating back to XX/XX/XXXX with no update nor provided information/documentation. This is a violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, I requested American Express to block several reoccurring payments/vendors and send a new card. The vendors were blocked and a new card came. 

In XXXX, the same reoccurring fees started to occur again. American Express claimed it was their fault and sent a new card. 

In XXXX, the same reoccurring fees continued - I requested my card to be cancelled. 

In XXXX, my card was not cancelled - and I was billed their {$550.00} annual fee. I withheld {$3200.00} in the final payment and the card was cancelled. 

All I want to happen at this point is for the {$550.00} fee to be removed ( which is not owed ) and I'll pay off the balance. 

American Express told me ( after being a large customer for 14 years ) that no one in the company can remove the fee, provide records that I ever called, and that I will be charged for penalties and interest for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditors have violated my rights under 15usc1681 section 602 stateside have the right to privacy 15usc 1681. Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions .under 15uscs 1666b a creditor may not treat a Payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was told coinbase as ways you can stake your funds and collect interests. 

When I went into the coinbase wallet I was given a link That brought me to this company that I thought was part of Coinbase because the scammers told me they were and I was in the coinbase wallet so it made sense XXXX XXXX XXXX XXXX XXXX I invested about {$470000.00} All to find out later it was fake because somebody help me see that it wasn't going into my wallet. I was trying to buy USDC and convert my ethereum to it. 

I had asked the company if they were a scam a few times and they didn't tell me. 

I then ask them to make sure no more crypto is sold to this company. They gave me a complicated way to check and then said they can't stop any sold crypto. 

Why would they allow this company to link to their wallet? XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I mailed certified letters to Experian, XXXX, and XXXX stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
since XXXX  i personally have been requesting the information that they use to verify my credit report. they have not sent it to me yet, i have requested it multiple times, each time they send me something different then what i ask for. this time not only did they not send me what i asked for, but clearly they added new false information to my credit report once again.

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 2024-01-23 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: CO

Complaint narrative:
I called Experian to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on 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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have an excellent credit for the least XXXX years of my life paying my cards in full before the due date. My cards are in auto pay for years without having any issues. I went on vacation in XXXX XXXX  confident that my cards were in auto pay. Upon my return in XXXX I noticed that my card of bank of America was 2 months past due. Per conversation with XXXX at Bank of America, she informed me that the bank did a reboot of their system disconnecting all the auto pays. Meanwhile, I did not get any notification that this was happening. Of course I immediately paid my due balance of {$450.00} in full. she apologizes for the inconvenience but meanwhile my credit is not restored as they promised. They should never report past due payment when they know that this happened because of them. Now my credit is low and that upset me because I never had such a low credit score. that affecting me in purchasing other things that I need. I need you to help restore my credit score. they should remove this late payment of my record. 

Thank you much for your attention. if you would like to discuss further, please feel free to call me at 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