vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was appointed by Court as executor for the estate my brother who died on XX/XX/XXXX of XXXX. He had been ill with XXXX XXXX XXXX and progressively unable to care for himself in the years leading up to his death and we are now aware that fraudulent activity occurred in his financial matters as he was susceptible to home health caretakers and an acquaintance in his home who obtained access to his accounts. My brother had illegible handwriting for many months prior to his death. He had a checking account with Bank of America. After obtaining access to his records, I realized that bank account had a withdrawal of {$4300.00} the day prior to his death ( on XX/XX/XXXX ) leaving about {$14.00} left in the account. At that time, my brother was bedbound, unable to sign his name, write legibly, and barely able to speak. Later, as executor of his estate, I obtained the statement which shows the written check. The check is not written by him and the signature is forged. I have notified Bank of America of this fraudulent activity over the phone. After several contacts they finally gave me a " fraud department '' contact that I could only communicate with by letter XXXX Bank of America, XXXX, XXXX XXXX XXXX, XXXX TX XXXX ). I wrote them on XX/XX/XXXX of XXXX detailing this particular situation in detail and gave them letters of authority as executor of estate and other identifying information. I again notified them of the fraudulent activity in the letter and asked them to provide a copy of transactions, deposits, debits, and checks written on this account as well as his balances from XXXX of XXXX to present given there my concern for repeated fraud since others had obtained access to this account and I need to see what purchases were made. They have not responded to the letter or given any additional information to me.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have a credit card account with XXXX XXXX. I have been actively making payments for months XXXX - XX/XX/XXXX. I have finally got the account to a {$0.00} balance as of XX/XX/XXXX. They are actively and illegally still trying to pull money from my bank account even though I am at a {$0.00} balance. I do not owe any more money. 

XXXX XXXX failed to accurately report a payment of {$25.00} on XX/XX/XXXX to my account and to the credit bureaus. XXXX XXXX XXXXXXXX inaccurately reported late / negative payment history from XXXX - XX/XX/XXXX. This information is inaccurate and extremely harmful to my credit reports with XXXX, TransUnion and XXXX. 

XXXX XXXX  has failed to answer any of my many phone calls. They have also failed to correct the problem when Ive reached out by email. 

I have filed a compliant with the XXXX XXXX XXXX  on XX/XX/XXXX but the compliant was unresolved and closed on XX/XX/XXXX due to XXXX XXXX failing to respond to them after several attempts. 

I want this account closed immediately and I also want this account permanently removed from my credit report with XXXX, TransUnion, and XXXX. 

This is a violation of 15 USC 1666B of the Fair Credit Reporting Act. XXXX XXXX has failed to report accurate and timely account information.I have a right to a complete, correct, accurate, verifiable credit report.

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 2024-02-03 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: MD

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.

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 2024-02-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
I am writing to bring to your attention a matter of grave concern involving NetSpend 's purported involvement in misappropriating funds that rightfully belong to the Federal Trade Commission ( FTC ). 

Over the course of the long spand of getting my tax refund deposited on to a prepaid card ], I have observed and encountered evidence suggesting that NetSpend, a financial institution, has been engaging in activities that result in the diversion or unauthorized use of FTC funds. These actions have had a direct impact on [ describe the impact on your tax refund or any specific instances ]. 

As a consumer affected by these actions, I am deeply troubled by the apparent misuse of FTC resources by NetSpend. This issue not only affects individual consumers but also undermines the integrity of financial transactions and trust in regulatory institutions. 

I respectfully urge the FTC to conduct a thorough investigation into the activities of NetSpend and take appropriate measures to address this matter promptly. It is imperative to safeguard the integrity of FTC funds and ensure that such practices do not persist, adversely affecting both consumers and the credibility of regulatory bodies. 

I am willing to provide any additional information or evidence that might assist in your investigation of this concerning issue. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further details. 

Thank you for your attention to this matter. I eagerly await your response and actions taken to rectify this situation.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the FCRA, I am a Federally Protected Consumer under 15 USC 6 8 02 and want all closed accounts removed from my credit file.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per the FCRA, I am a Federally Protected Consumer under 15 USC 6 8 02 and want all closed accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per the FCRA, I am a Federally Protected Consumer under 15 USC 6 8 02 and want all closed accounts removed from my credit file.

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 2024-02-03 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: OK

Complaint narrative:
I was a victim of identity theft I requested a copy of my credit report and I seen accounts that didnt belong to me so I contacted my bank and had them to freeze all my accounts until further notice

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 2024-02-03 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: FL

Complaint narrative:
I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FCRA and remove these UNAUTHORIZED inquiries on my report. 

PLEASE SEE ATTACHED!!!

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 2024-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FCRA and remove these UNAUTHORIZED inquiries on my report. 

PLEASE SEE ATTACHED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
ON XX/XX/year>, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO MIDLAND CREDIT MANAGEMENT REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNTS # XXXX AND # XXXX REFLECTING ON MY XXXX CONSUMER REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTERXXXX MIDLAND CREDIT MANAGEMENT STILL CONTACTED ME REGARDING SAID DEBT ( XXXX ) AND HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE XXXX CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA. XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XXXX XX/XX/2023, I closed on the selling of my home. The mortgage was through Mr Cooper / XXXX Mortgage company. Initially, the closing was uneventful, however there were issues between the Title company and Mr Cooper for 2 months following the closing. Mr Cooper continued to be difficult with the Title company, and would not accept the payoffs that were sent to the mortgage company. At one point, a Mr Cooper representative even claimed they did not know what they had done with the payoff money. On my end, the mortgage began to show overdue, and requiring a payment even though the home had been sold and the mortgage should have been paid off. I talked multiple times to Mr Cooper, and they assured me they knew my account was not actually late, but that it was an issue between them and the title company. I was comfortable with those statements, however yesterday my credit report showed a 30+ day late mortgage payment, and my score dropped XXXX points. At this point, the mortgage has officially been paid off, I just need the late payment removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: EdFinancial Services
State: NC

Complaint narrative:
My ex wife of over 6 years used my SSN to obtain student loans without my knowledge or consent and has admitted to it recently after I confronted her.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: KY

Complaint narrative:
I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt XXXX have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: KY

Complaint narrative:
I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt collectors have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: GA

Complaint narrative:
MOHELA is the provider. Reported as open/ never late. Deferred. Pay period started XX/XX/2019. " No data for this period '' was reported on XX/XX/2019. This action doesn't show accurate reporting practices from the creditor with FCRA and has negative impact on the credit report. I believe this is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 1 ) - ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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:
I have yet to receive a real response or original contract and Ive been communicating with automated response but I know this is a stall tactic and my rights are being violated under 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and the company doesnt seem to care so can you help please

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 2024-02-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My ex wife of over 6 years used my SSN to obtain student loans without my knowledge or consent and has admitted to it recently after I confronted her.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have Equifax, the consumer reporting agency delete this from my report immediately and indefinitely. XXXX XXXX XXXX.irs.gov/publications/p4681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
On XXXX XX/XX/2023, I closed on the selling of my home. The mortgage was through XXXX XXXX / XXXX XXXX  company. Initially, the closing was uneventful, however there were issues between the XXXX company and XXXX XXXX for 2 months following the closing. XXXX XXXX continued to be difficult with the XXXX company, and would not accept the payoffs that were sent to the mortgage company. At XXXX point, a XXXX XXXX representative even claimed they did not know what they had done with the payoff money. On my end, the mortgage began to show overdue, and requiring a payment even though the home had been sold and the mortgage should have been paid off. I talked multiple times to XXXX XXXX, and they assured me they knew my account was not actually late, but that it was an issue between them and the title company. I was comfortable with those statements, however yesterday my credit report showed a XXXX day late mortgage payment, and my score dropped XXXX points. At this point, the mortgage has officially been paid off, I just need the late payment removed from my credit report.

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