vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: DC

Complaint narrative:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the XXXX XXXX Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXX XXXX Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX Mortgage ( one has already been completed ). XXXX XXXX Mortgage can schedule the payment if they want assurance. XXXX XXXX Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Account that has been disputed before for incorrect amount history, and has been reopened with another debt collector company name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BOA PREPAID CARD OPERATION : MY Claim number : XXXX I am a victm of EED fraud. I filled a complaint with CFPB on XX/XX/XXXX against BOA prepaid claims department. 

I filed for EED benefits back in XXXX. The money that was rightfuly mines, was stolen from me be sacmmers who used my card to make unauthorized transactions and withdrew money from varies ATMS.I have filed numerous claims with BOA. BOA denied every one : " stating that I made or gave somone authorization to use my card. Which is unture. I did NOT make these transactions nor did I ever give anyone my personal information to do so. I made a police report with my local police department to document the fraud. I have requested BOA to provide evidence that they relied upon to make their decision. but they have failed to provide anything to me. I would like to see ATM footage or any proof to prove that it was me which they are stating. BOA states that I have " the right to request the information that BOA relied upon to deny my claim '' I have requested that information but have not got anythin! It's going on two years now. I have not recieved any of my EDD money. I have been experiencing great harship, I have been evicted out my home and lost alot. I need help to get my money back because BOA is violationg the law. BOA still denied my claim! BOA has continued to violate ( Regulation E ) Federal Electronic Funds Transfer Act.BY LAW, BOA MUST abide by their ZERO LIABILITY POLICY which is supposed to protect me, The customer from responsible for 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 monetary relief
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
15 USC 1681 Section 604 States rights to consumer privacy Reporting agencies can not furnish a account without my written 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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged two separate charges for XXXX dollars each saying I had purchased something, the transaction showed up the next day, I talked to my manager the same day they said they had no clue about the charges. The next day I dispute the charges with my bank, Chase on XX/XX/XXXX. They gave me a credit refund for the charge and cancelled my card. Today XX/XX/XXXX I the credit refund was reversed. I called my bank to ask why and they said because the chip had been used no further explanation just the chip had been used I never gave anybody my card to use and two charges were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 instructions XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I believe the account is invalid. CAPITAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ACCOUNTS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle the company banned me based on other banks telling Im fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
I have placed over 6 complaints attempting to get old addresses, telephone numbers, and names removed from my credit report. The information that I am requesting removing is old, wrong, or unknown. Lexisnexis provides investigation reports indicating that the information is removed but once I review the report there are no changes made. 

It has been a lengthy process and a total nightmare dealing with lexis nexis. Something needs to be done to stop this agency with providing a horrific service that is costing consumers ' added expenses when purchasing various products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NV

Complaint narrative:
Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well- being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax and XXXX refuse to allow update of Consumer Statement to reflect XXXX and XXXX XXXX  deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX XXXX upon its return within the 14-day return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashed. XXXX apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the 14-day window given on the receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CT

Complaint narrative:
Was scheduled to move in to XXXX on XXXX on XX/XX/ in XXXX, CT. Arrived at the property on that day- it was uninhabitabe and unsanitary. Could not move in. Contacted the leasing company immediately, left messages, called all corporate numbers, no one would answer. Contacted the Department XXXX XXXX. They validated that this property was uninhabitable- had current investigations going on them. Left without ever getting the key or moving in. Contacted the company over the next 4 days - no return calls or emails. Finally reached someone in corporate - sent all the photos of the property that day- she agreed in writing that we were correct and she would forward it on to have the lease nullified and voided. The person who is was forarded to was very rude and said she did not agree and we owed a move out fee - even though we never moved in. 
We went back and forth and she would not budge. I got an attoryney who took over communications with her. The last communication was from my attorney saying they were in breach of CT codes and the matter was to be closed. We recieved no reply. The next thing that happened was I got a call for IQ Data saying I owed the debt of {$2100.00} - I disagreed and they said I had to pay or dispute. I got the attorney to send a letter to validate the debt. We received NOTHING from them in response ... and they sent it the credit bureau - we did not have the opportunity to reply or formally dispute the debt. Once I saw this in the credit bureau, I had my attorney call- and they were uncooperative. And said we could go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-10-23 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: DE

Complaint narrative:
One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX. I had a XXXX for XXXX in XXXX. The account was closed XX/XX/2022 because I never used the card. 

I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable

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 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
On XX/XX/2023 a relative called in to payoff the value of my loan. Payment was pending/posted and then marked as reversed with 0 notification to me. 

Have called 3 times and waited an hour on hold to get 0 information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
This company charges compound interest every day at the end of your loan extra charges arrived predatory lender on lender and dealer high interest rates for minorities

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 2023-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
Wakefield & Associates mailed me a letter stating that they are a collection agency looking to collect a debt for a third party. They also stated in the letter if I dispute the debt they must stop collection on any amount I dispute until they send me more information. I sent 2 letters, one with a stamp ( XXXX XXXX ) and one certified ( XX/XX/XXXX). Attached is the certified letter return receipt. I mailed this dispute off XX/XX/ and I have proof with this return address receipt & tracking number stating they received my dispute letter, but claim they have not. However, according to the XXXX tracking history, tracking number : XXXX the letter was signed for and picked up at the post office XX/XX/. I have not received any response and therefore as stated in the original letter Wakefield sent me, they must stop collection on the debt until they send me more information. However, XXXX XXXX I was notified that Wakefield put a collection on my credit report, and I'm very frustrated. I complied with the letter request and my credit profile should not be compromised because of the mishandling of my dispute letter by Wakefield. I called and spoke with several Wakefield representatives and none of them was of help, all saying my letter was not on file, and had no knowledge of this being in dispute. However, on my credit report it says account information disputed by the consumer meets FCRA requirements. 
I would like this collection removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NY

Complaint narrative:
XXXX XXXX XXXX CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by Equifax & XXXX from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( Equifax & XXXX ) are unfair, inaccurate, incomplete & totally unverifiable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AZ

Complaint narrative:
My student loan was forgiven in XX/XX/, but MOHELA continues to report the old outdated full remaining balance on all 3 credit reports, even after I disputed the incorrect balance on all 3 credit reports. I sent them a digital message about this matter on my online MOHELA account, but they never responded to my message. In the letter they sent to my online account, MOHELA said my loan was forgiven and that they would update all 3 credit reports within 30 days. That was back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
In accordance with the Fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  XXXX : XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States that 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 instrusctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repoting agency may make any consumer report containing any of the following items of informatoion or any other adverse item of information, other than records of convitions 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 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 2023-10-19 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation