vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Bank of America to close my checking account. I was informed by them it would take 7 to 10 " business '' days to process this request and to refund my account balance which I told the rep to send the check to my new address specifically and she repeated the new address back to me. I received an email on XX/XX/XXXX that it was closed. I called BoA and was informed that a check " was '' mailed out around XX/XX/XXXX. And this would take " another '' 7 to 10 " business '' days for me to receive it. On XXXX, I did a change of address with the USPS. I was told be another rep I would receive my funds around XXXX - did not receive. I got a call from BoA fraud dept on XX/XX/XXXX, XXXX informing me the check was returned to them. I do not know when the check was received at my local post office and I do not know when the check was received by BoA. I was then told, it'd be another 10 " business '' days for me to receive it, around XX/XX/XXXX. All in all, this entire process ( if I receive it on XX/XX/XXXX ) is 37 days or 5 weeks and 7 days. this is horrible. This check is my first social security check. I am late with my rent and other needs. All I can say is if I were 37 days late with a BoA credit card payment, they would be calling me daily and even multiple times a day. And tacking on late fees and daily interest. This is horrible. What should take no longer than 5 days to close an account and me receive me funds has now taken almost 6 weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payment represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payment represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payment represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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 2024-11-19 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: MS

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a savings account with Citizens Bank on XX/XX/year>, under the promotion term : get {$500.00} by making a single or multiple deposits totaling {$10000.00} into one personal savings account XX/XX/XXXX XXXX and maintain the balance for five consecutive months. 

I deposited {$10000.00} by XX/XX/XXXX. I first transferred {$1000.00} from external bank. Then, when I tried to transfer the other {$9000.00}, Citizens Bank blocked my savings account from any external transfer. Feeling at a loss, I went to a Citizens Bank branch. At the branch, I asked Citizens staff to lift the restriction, and provided all documents needed, but they were not able to do so in a timely manner. In order to satisfy the promotion requirements, I was then instructed by the branch officer to transfer the {$9000.00} from my external account into my Citizens checking account, which was not blocked for transfer at that time, and then move the {$9000.00} from my Citizens checking to Citizens saving. I did exactly that, and did it by XX/XX/XXXX. By XX/XX/XXXX, I had transferred a total of {$10000.00} into my newly opened savings account. 

I maintained the balance through XX/XX/XXXX. But Citizens Bank did not pay out my {$500.00} bonus. 

I inquired with the online chat rep of Citizens Bank. The rep told me the {$10000.00} was not all new money. However, this is not true. I am not satisfied with this result, for the following reasons : 1. All of the {$10000.00} was new money to Citizens Bank, none of that was in deposit at Citizens before the promotion period XX/XX/XXXX XXXX. 
2. Citizens bank blocked my savings account from receiving external transfers. This is not honest business practice by first advertising a bonus for deposit, and then blocking the customer from making that deposit.

3. I have done all I can, in good faith, to complete the promotion requirement. And even the branch staff of Citizens Bank told me this should be fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-19 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$40.00} Account # XXXX XXXX  account opened on XX/XX/XXXX and it has a balance of {$24.00} Account # XXXX In collections I have XXXX accounts that are a result of Identity Theft. From the following : XXXX XXXX XXXX with account number XXXX {$1900.00} XXXX XXXX XXXX with account number XXXX {$1800.00} These XXXX collection accounts state they are the result of fraudulent XXXX  XXXX XXXX  that have been removed from my credit report due to identity theft. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

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 2024-11-19 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/year>, I went to purchase a car and without my permission my credit was ran through multiple creditors who ran my credit multiple time causes me to have over 20 credit inquiries. I did not give permission for any of these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payment represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am requesting that Capital One ( Account Number : XXXX ) work with me to resolve my outstanding balance of {$1500.00}. Due to financial hardship, I am unable to pay the past due amount or the total balance in a lump sum. However, I am committed to resolving this debt through a **low monthly installment plan**. 

A fair resolution would involve establishing a manageable payment plan to help pay off the balance over time. Additionally, I request that Capital One consider halting additional fees and interest accrual during the repayment period to make the payments more feasible. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certified Credit Reporting, Inc.
State: TX

Complaint narrative:
Inaccurate Reporting : A judgment was included in my XXXX XXXX report, which was used by a mortgage company to delay my home closing. 
This judgment is inaccurate and does not align with the court records it is purportedly based on. 
2. Discrepancies Between Reports : Initially, multiple XXXX representatives confirmed that this judgment was only on my XXXX  report and not on my FCRA-compliant file. However, when I spoke to a manager XXXX XXXX, ID XXXX ), he stated that the judgment was on both the XXXX  and FCRA reports-contradicting the earlier information provided by other agents.

3. Failure to Verify Information : XXXX admitted that XXXX does not verify the accuracy of the information they report unless a consumer disputes it. This means they did not confirm the validity of the judgment before it was added to my file, which has caused me significant harm.

4. Misalignment with Source Records : The judgment in question does not align with publicly available court records from the civil court that supposedly provided the information. The court records clearly show that the judgment was for possession and not for eviction, yet XXXX inaccurately reported it as an eviction-related judgment.

5. Impact on Me : Due to this inaccurate reporting, my mortgage application process has been delayed, and I can not close on my new home as planned.

This has caused me financial and emotional distress.

1. Immediate Removal of Inaccurate Information : XXXX must remove the judgment from all reports ( both XXXX  and FCRA, if applicable ) as they failed to verify the information before reporting it.

2. Explanation of Verification Procedures : XXXX must provide a detailed explanation of how they gather, verify, and ensure the accuracy of data before adding it to consumer reports. 
XXXX. Compliance Review : A review of XXXX ' compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, as their admission that they do not verify information before reporting raises serious concerns. 

I have contacted the civil court that supposedly provided the information, and they confirmed that there was no writ of eviction and that the judgment was related to possession, not eviction. 
XXXX has been inconsistent in their communication, with representatives providing conflicting information about where this judgment is listed ( XXXX vs. FCRA report ).

Company response to consumer: Closed with explanation