vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint case number XXXX with Bank of America ( BOA ), totaling {$380.00}. I promptly notified the bank via the app on XX/XX/XXXX of two suspicious transactions, which I confirmed as fraudulent. However, after a few days, the bank notified me that they would not reimburse the costs of these two physical fraudulent transactions. I have informed the bank that on the day of the fraud, I was attending XXXX at school, and the school can verify my presence, confirming that I could not have been at any other retail location. Although the bank claims that their investigation shows card reading, PIN entry, and signature verification, they have not provided me with any documents proving that these transactions were indeed carried out by me. They persist in refusing to reimburse the funds for these two fraudulent transactions.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account 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 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 is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX amount XXXX Account number XXXX 3.Account name XXXX XXXX XXXX Account number XXXX XXXX name XXXX XXXX XXXX Account number 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 a account without my written permission 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items shall be other than records of convictions of crime 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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ava Finance, Inc
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. I have not received any requested documents. 

AVA FINANCE INC Account # XXXX AVA FINANCE INC Account # XXXX

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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX As a consumer, I request to know all the steps your agency took to ensure this item is 100 % accurate. 

This is the 2nd time that Experian has reinserted this deleted account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In gen
eral Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to reinsert the item above and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my frustration regarding the inaccurate information on my credit report. Despite sending multiple dispute letters, no action has been taken to rectify the errors. This situation is not only causing me significant distress but also violates my rights under the law. 

I urgently request that you investigate this matter and promptly correct the inaccuracies on my credit report. Your immediate attention to this issue is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Freedom Mortgage sent a letter to us dated XX/XX/year> showing that our town taxes were past due. The letter was sent via regular mail and arrived at our home on XXXX XXXX XXXX and stated that we had 15 business days to make payment to the town tax office and respond to their request by sending proof of payment. Once the letter was recieved, I immediately contacted our towns collectors office to confirm the past due amount. Once confirmed, I made past due payment on XX/XX/year>. Shortly after, I contacted the town to receive an email showing proof of payment and that we were current on our taxes. The assistant town collector sent PDF proof of payment for on XX/XX/year> and we immediately ( 10 minutes later ) sent to Freedom Mortgage payment proof email. The company did not acknowledge that proof until XX/XX/year>. Within 2 weeks of this payment proof, the company forced us into an escrow account ok XX/XX/year> stating the town reached out to them saying we were past due ( this is a lie ). I contacted the town and they stated they do not call mortgage companies. We were current, went multiple requests to remove the escrow and the company refuses to acknowledge their mistake. Nobody is taking accountability, we responded to their letter in time and completed the necessary steps in the timeframe asked. We have talked to 15-20 people since XXXX and we are still dealing them on XX/XX/XXXX. Very frustrating. After reviewing complaints on line, theres many negative comments. This seems to be a company wide issue, weve always paid our mortgage on time and were forced into working with Freedom Mortgage due to lenders changing. They need to take some accountability. They now have pinged our credit even though they were reviewing our account, and put a hold on the 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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, 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 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am both the sole heir and personal representative for both XXXX XXXX and XXXX XXXX. Combing through personal effects, XXXX XXXX XXXX account XXXX XXXX was uncovered. As of XX/XX/XXXX, it had a balance of {$73000.00}. I wrote on XX/XX/XXXX to inquire about this account. Then, I followed up on XX/XX/XXXX, and XX/XX/XXXX with no response. 

I need to find out the status of this account. Is it active? Was it escheated? Was it closed? I closed an account for my XXXX when I had power of attorney due to his XXXX XXXX. The account did not have anywhere near this amount in XXXX and I believe this XXXX account to be different from this XXXX XXXX account. That account - growing at 5 % annually - would be about $ XXXX now. 

So, I am trying to find out what the status is of the above account number.

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: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XXXX XXXX XXXX, I submitted a dispute letter to Equifax via mail specifically requesting an investigation into several inaccurate items on my credit report. These inaccuracies pertain to inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and names. 

I did not receive a response back from Equifax with the investigation results. 

Despite my diligent efforts to address these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as proof of my attempt to rectify the inaccuracies on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: FL

Complaint narrative:
Someone had broken into my van and stole my wallet and Cellphone. They used a Discover credit card, maxed it out use what little information they had received inside my wallet concerning the discover card as far as cash advance pin number, my Social Security number, date of birth after they used the card and maxed it out, they called the creditor, pretending to be me, and requested that the card be closed, and a new one be issued due to fraud, they had a new card sent to a different address that was not on file and the creditor honored the thief request after contacting the creditor who held me responsible for the charges I filed XXXX police reports with XXXX XXXX XXXX XXXX department, and a complaint with the FBI Bureau of investigation in XXXX XXXX, Florida I provided copies of all reports to discover bank experience, XXXX and XXXX credit bureau. XXXX credit bureau removed it from my credit report but the fact that I had the police report an FBI number, but Discover card refused to accept the police report and sent documentation to XXXX, informing them that the account belong to me and that I am responsible XXXX  had informed me to reach out to your company for support she XXXX. I have made several attempts in the last few years. They had discovered understand that I am not responsible for the fraudulent charges that were made on my first account. It was their fraud department, who had screwed up. They close my first account that was requested by the perpetrator, and re-issued a new card with a new account that was not authorized by me nor requested, all credit cards were sent to a vacant lot by XXXX who said that they do not ask questions they laid the package in the middle of a field and walked away and this is documented on a police report. I am not responsible for these charges. I received no money, no goods and I have been trying to inform Discover that their people who handled this matter were a bunch of idiots. and thats also documented on a report.

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: Nelnet, Inc.
State: NV

Complaint narrative:
NELNET : This creditor is reporting a sold collection and despite disputing has not responded within the thirty day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I tried to use my American Express gift card on XX/XX/XXXX and XXXX to pay for a room charge of {$220.00} at the XXXX XXXX XXXXXXXX, XXXX, IL. The card was swiped onsite and appeared to have been accepted. The next day I received a call that the charges had not gone through. I then tried to work with the director of operations to process the card. Over and over, he was receiving the error that the security code was missing, when in fact he was typing it in. He then sent me a card authorization form and I typed in the information myself, including the auth code, card number, expiration date, etc. I received the same error. 

Upon calling American Express, they informed me that the credit card processor ( XXXX XXXX XXXX XXXX ) requires a name on the card. I had previously used this card at another hotel so did not anticipate this hurdle and had planned to use this gift explicitly for this purpose. American Express told me that there is nothing that they can do, and XXXX also could not process the card physically. Now I am forced to put the room on another credit card that I can not use my current gift card to pay the balance of.

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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft, and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft, and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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: 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: MI

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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