vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc.
State: NV

Complaint narrative:
i complained before that i was told by my mortgage company to file a complaint here when they refused to remove information from my credit report that shouldn't be there... .they answered here making a series of false statements regarding why they did this ... .you informed me and closed the case... ..fine whatever we move on ... .now the issue is that the mortgage company continuously is reporting this account as XXXX days past due when this is not the case at all ... .XXXX XXXX XXXX XXXX XXXXs as well as additional money for a few extra months which should show the account as ahead as of XX/XX/XXXX or XXXX ... ..why they would go and report the account again as XXXX  days past due after the money has been disbursed a month later is beyond me... XXXX XXXX i received a credit alert that they did this and i have put in several disputes through the credit bureaus and which each time they have still persisted with the credit bureaus that as of XXXX my account is XXXX days past due when its not ... ..i reached out to them through email as i have been told time and time again to do and noone ever bothers answering any emails to address this issue... ..being frustrated i reached out to XXXX XXXXXXXX just to make sure that in fact they did disburse the money to the mortgage company in which they told me they did so and that the mortgage company receives the money immediately after disbursement .... but it can sometimes take them awhile to apply the money to the account... that is all fine and good however continually reporting the account when you have the money is not ok ... if it takes them awhile to apply the funds that is a problem with that company and not me ... ... and the account should not be reported as delinquent when they are already in possession of those funds... .how is this ok? ... .please see attached conversations with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: NC

Complaint narrative:
On XXXX I received an email from XXXX " Congratulations, you now qualify for this exciting offer ''. It said I could check loan rates and options via a soft inquiry and it would NOT affect my credit score or report. 
I proceeded to the website to check rates. I was not impressed with what they were offering. I then get an alert from Transunion that a hard credit pull was performed by XXXX. I did NOT authorize anyone to do a hard pull of my credit. 

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 2023-12-24 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: NV

Complaint narrative:
I arrived from an XXXX XXXX XXXX XXXX trip in the XXXX on XX/XX/XXXX. I was in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I was able to use my credit card a few after arrival and received an email notification from Bank of America of possible fraud activities with my credit card account. I immediately reviewed my account online and noticed multiple fraudulent activities in the amount of approximately {$3000.00} plus. I immediately notified bank of america of fraudulent activities involving my credit card account. Bank of America initiated their investigation of the credit card activities as noted on my XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. A letter was sent to me Bank of America dated XX/XX/XXXX stating that the bank has completed their review of my fraudulent activities complaint that found I am still responsible for {$1700.00} and that my account was credited a total of {$180.00} with itemized on charges that the bank found that I am still responsible. I reviewed the letter and submitted a letter to the bank disputing their findings since many of the charges except for the {$710.00} out of {$1700.00} were fraudulent charges on my account. These charges were not done by me. I immediately submitted a payment of {$710.00} to my account on XX/XX/XXXX as my full payment for charges that I am responsible for on my account. I disputed the remaining amount of {$1000.00} by send a letter to Bank of America that was mailed on XX/XX/XXXX. Many of these charges were gasoline station ( XXXX ) charges often done the same day. As per my account history, I do not normally use XXXX for filling up gas but may have used XXXX may be XXXX per year. I usually go to XXXX 's gas station for filling up gas. Other fraudulent charges that the bank has found me responsible were fast food items such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. These charges were not done by me. Since mailing the my dispute letter on XX/XX/XXXX, I have not heard anything back from Bank of America. I called Bank of America on XX/XX/XXXX to follow up of my dispute and was told that they have received my letter but was told that their investigation finding is final and that I am responsible for the full amount of {$1700.00}. I am therefore submitting this complaint to CFPB to voice my complaint as I am continually being asked to pay for charges that were fraudulently charged to my 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 monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is inaccurate information on my report. Please see the attached letter which gives further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: CA

Complaint narrative:
I did not give consent to the Unauthorized inquiries on my report. I do not recognize any of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MI

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Transunion onXXXX in regards to not being able access my consumer report. I spoke with XXXX. he was unable to access my consumer report an referred me to online dept. Where I spoke with XXXX who was very robotic in repeating her script and not listening to nothing I was saying. 
She stated I couldn't get access to my online report for another 30 days when the Free Annual Credit report says can have access to every 7 days. However I never got access on the XXXX which is why I was referred o see if they can access it yet the transunion XXXX XXXX stated she could not access and gave me a case number XXXX XXXX XXXX I told I have not got a report in 3 years due their inaccurate reporting being and issues passing the verification. She kept robotically repeating the same script over and over so I asked for a Supervisor she connected me to XXXX who handled my request like a child. I told him I never gave access for them to report my info and I need to see a document with my signature and XXXX stated that he had it I said how I never even signed anything Then Supervisor XXXX said They don't need to follow that process when I stated that 15 USC 1681b that they must have my consent. 
I just opted out of XXXX with the same information and they respected my request and opted me out. 
Why is transunion being neglectful and down right disrespectful with my consumer report when they just got sued this year? 
I have screenshots. 
I am seeking damages and I want my part of Transunion recent and current civil case lawsuit {$23.00} million. They have caused me homelessness and mental anguish. I have not have a place in my name in over 10 years. 

I need transunion to stop reporting false information. I just applied to XXXX XXXX XXXX today and they I had to put down a down payment of {$100000.00} due to transunion yet my score with XXXX is XXXX They need to be shut down because clearly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted approximately XXXX times to deposit my initial paycheck via NFCU mobile app. Although the image was indeed clear, I constantly received the error message that the check could not be deposited. I wrote the mobile deposit disclaimer below my signature as instructed. Knowing that Christmas was approaching, I drove a long distance to the nearest NFCU atm to deposit the check. The ATM would not accept the check. I tried again at the next ATM, the same outcome. This experience is unfair as I am aware of several other members who have been able to utilize the ATM and mobile deposit features for amounts way larger. Additionally, the mobile deposit feature has been heavily advertised by the credit union. My check not being accepted is disparate impact and treatment. The payroll check was {$3100.00}. I also dont have any history of scams or depositing bad checks. 

The next day I called in late for work to walk my check in the branch around XXXX. The teller advised my funds would not be available until XX/XX/XXXX, Tuesday, the day after Christmas. She explained the Thursday would not count as a business day although I made the deposit before Thursday nights processing time. 

Friday morning I woke up to an email from NFCU stating my funds would be delayed an additional XXXX business days, as they had confidential information indicating the check may not be paid giving the them reasonable cause to believe the check would be uncollectible. In response, I provided my employers payroll email and phone number and corporate address for verification. I work for XXXXXXXX XXXX an in house lender for one of the largest developers on the XXXX XXXX. My new employers payroll account is with XXXX XXXX XXXXXXXX. I also explained that I am aware of several members who have never been subject to extended delayed times when making deposits. This too, is a UDAAP violation and example of disparate treatment. 

In typical corporate greedy fashion, the banks only response was to send me a list of their deposit policies. 

Screenshots corroborating my response are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: TX

Complaint narrative:
I downloaded the Albert app about a year to try with a free trial. However when the free trial was over I did not want to continue using this service and cancelled the account. After I cancelled they charged my checking account {$14.00} for the subscription without permission. I have sent email after email stating I do not have an account with them nor do I want one and I have demanded over and over again that they stop charging my account. I have not received a response from them and even after all of this time they attempted to charge my account again today. While looking online trying to find a way to make them stop I have seen many people having the same problem with this company. I do not understand why nothing is being done to stop this business from stealing peoples money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
According to XXXX, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is zero.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
According to XXXX, which is currently my XXXX  loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
According to XXXX, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is zero.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: OH

Complaint narrative:
I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the metro 2 compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: OH

Complaint narrative:
I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the metro 2 compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX # XXXX 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 non-monetary relief