vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was trying to apply for credit and I was devastated when I got denied. I proceeded a further investigation to see what was the issue and I saw inaccurate accounts reporting on my credit report that are not mine. 
In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights.

Bank of America Inaccurate accounts numbers listed : XXXX : XXXX Last Activity XX/XX/XXXX XXXX : XXXX Last Activity XX/XX/XXXX XXXX : XXXX Last activity XX/XX/XXXX As you can see theres several inaccuracies circling throughout all 3 bureaus. According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. 

Clearly this law was not followed through if I am seeing inaccurate information on my credit report 15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I settled an account on XXXX XXXX For {$430.00} of {$510.00} paid off.the same day they reported to XXXX and XXXX of a {$77.00} balance. Im trying to get a home loan, and there actions is hindering me from getting the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX  XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly XXXX! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-29 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Destiny card services and indigo card services are violating 15 U.S code 1666b and reporting information that is not considered lawful credit transactions history and is causing damage to the estate and credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, linked to the email address XXXX I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mortgage Research Center, LLC
State: PA

Complaint narrative:
Inquiry on XX/XX/XXXX by XXXXVeterans United Home - was looking into buying house with my boyfriend, but we are not married so the loan was only put under his name when we found a house. I am unsure why they needed my credit score when the VA was aware that we were not married. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 

We have been looking into buying a house and started looking in XX/XX/XXXX, my boyfriend purchase the house in XXXX but I am not on the loan. I would like these inquiries disputed from my credit report as it is effecting myself from being able to apply for a credit card.

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 2024-01-29 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hello, I received 2 emails from a company called " Chime '' that said they created an account. I decided to change my password because I was afraid of someone opening an account under my name. Today I received an email from Chime saying they are sending out a debit card. The address on file is one I lived at 7 years ago. 

I am going to call them and have them cancel the account, but I never authorized the creation of this account or asked for them to send a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To whom it may concern.

I don't have exact dates for the below description of events but will try my best to be as specific as possible.

1 ) I leased a XXXX XXXX from XXXX that was financed through XXXX XXXX XXXX. 
2 ) During the lease period, XXXX changed their internal policy regarding how excise tax was billed and paid. This included Re-routing payments to the lease toward the excise tax and negating the monthly payment. I WAS NOT NOTIFIED OF THIS POLICY. 
3 ) I never missed a payment to XXXX, nor were any of my payments late. XXXX allocated 3 payments to my excise tax and marked my scheduled payments as delinquent. XXXX FAILED TO REPORT LATE PAYMENTS TO ME OR NOTIFY ME OF THIS POLICY, 4 ) I received a phone call in the summer of XXXX notifying me that my car was going to be repossessed. I had not missed a payment and was not aware that I had any outstanding bills with the finance company. I PAID THE ENTIRE OUTSTANDING TAX ON THIS CALL AND WAS TOLD THAT IT WOULD NOT AFFECT MY CREDIT REPORT. 
5 ) In XX/XX/XXXX, I returned to lease another vehicle from XXXX. I was then informed that i could not qualify for the lease because my credit score was a XXXX. XXXX MISREPRESENTED THEMSELVES ON THE WHERE THEY TOLD ME MY CREDIT REPORT WOULD NOT BE AFFECTED. 
6 ) While at the dealership, I contacted XXXX XXXX XXXX to inform them that they had, in fact, destroyed my credit score and that I was trying to lease another vehicle. I WAS TOLD ON THIS CALL THAT XXXX WOULD FIX THE CREDIT REPORT. They informed me that this would not be immediate. I was forced to lease the vehicle under my wife 's credit until the correction would take effect. THIS WAS THE SECOND LIE FROM XXXX. 
7 ) My credit score at the time of the lease of the XXXX XXXX was XXXX. It dropped to XXXX. I could not a ) refinance my home to a lower rate and b ) not lease a new vehicle due to this change. The only bad marks on my credit score were the 3 from XXXX. 
8 ) I have filed complaints with both the XXXX  and the credit score companies. They had done an investigation with XXXX that went unanswered. XXXX DID NOT RESPOND TO THE INVESTIGATIONS. 
9 ) I called XXXX on a dozen occasions to try to plead my case only to have it fall on deaf ears. This has taking days worth of time and has not amounted to anything. 
10 ) XXXX  HAS ALREADY BEEN SUED ON A CLASS ACTION LAWSUIT FOR THIS EXACT BEHAVIOR AND LOST. 

If there is anything that can be done to correct the pain on my credit score and protect others from this predatory behavior, please let me know. I would advise anyone not to do business with this corporation.

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 2024-01-29 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I sent paperwork to the credit burueas and I have not received a response nor any follow-up. The tracking number shows it was delivered. So now you MUST DELETE ALL ACCOUNTS MENTIONED due to intentionally not processing my disputes. 

Inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA you have 30 days to respond to my disputes. We are well past 30 days!!!! So immediately remove them. I expect a response within 4 business days with copy of the deletions and removals. Thank you. My attorney is forwarded on this complaint

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 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-29 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: MA

Complaint narrative:
I am writing to bring to your attention the ongoing issue I am experiencing with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax to address the following discrepancies on my credit report. Unfortunately, to date, there has been no response from Equifax. 

Details of the inaccurate information and the required corrections are as follows : 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 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 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 Request correction/update of inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: FL

Complaint narrative:
We have now had to deal with this account twice. Mountain America sold this debt to XXXX collections at which time we did a pay for delete through bonneville and the account was satisfied ( we have documentation of this ). Mountain America removed it from my credit in XXXX and then reapplied it to my credit in XXXX, even though they had sold the debt to XXXX and no longer owned the debt at all. It is still appearing on my credit which the account was initially from XXXX ( so an eight year old charge off ). We launched an investigation with mountain America and the representative I worked with ( XXXX ) even stated that there was an error with this account and they were working on it. We were later informed that they decided the information is correct even with the pay for delete letter we sent them. No actual explanation as to how they came to this decision. We would like this item removed permanently from my credit as soon as possible as this is impacting my credit and messing with my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have been in contact with Mohela since XXXX trying to be placed on the right repayment plan and nothing has been resolved in 7 months. This is unfair business practices. I have never had an issue like this before. I requested to be placed on the graduated repayment plan and that was denied. I spoke with a supervisor named XXXX and we worked to put loans 1 through 7 on the graduated repayment plan and loans 8 and 9 on the save plan. That was denied. I feel I am being unfairly mistreated and someone in the Mohela department is tampering with my account. Why would someone deny a request that a supervisor put in? I am never contacted and told why the requests are denied. I spoke with a supervisor name XXXX on XX/XX/XXXX and he stated that he would put all of my loans in forbearance until the issue is resolved. I received a message yesterday that loans 4 and 7 are due for repayment. I am lied to every time I call. This is extremely unfair treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Company thats reporting incorrect information : Security credit services securitycreditservicesllcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contacted dates XX/XX/2024 XXXX The lady hung up on me after being rude and telling me she hears these complaints all day. 

XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called I already sent letters explaining being a identity victim

Company response to consumer: Closed with explanation