vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GU

Complaint narrative:
Bank of America constantly markets their credits cards to me and my husband. We live in the XXXX XXXX XXXX XXXX. I finally decided to apply and was approved for a Bank of America ( BOA ) credit card. After receiving the card, I made XXXX purchases, one of which was to XXXX XXXX that was flagged for a fraud alert. I followed the procedure to call the fraud unit of BOA and answered several questions and the charge was allowed to go through. Three days ago, I tried to make another purchase from XXXX XXXX and it was flagged for a fraud alert. This time, after calling, I was advised that in order to allow me to use the credit card, I would have to physically go into a Bank of America location with two forms of ID. There are NO BOA locations in XXXX which is XXXX XXXX in the middle of the XXXX XXXX XXXX. The closest XXXX state is Hawaii which is over XXXX miles away and only accessible by plane or boat. I am being discriminated against to use this credit card because BOA does not have an alternative way to validate my identity. I have used other credit cards where I can send video and picture of my ID to validate my identity. BOA refuses to accept anything other than physically walking into a branch. I will sue them it they do not resolve this matter.

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 2023-11-02 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: MN

Complaint narrative:
I have disputed the XXXX XXXX XXXX XXXX account against TransUnion, they are falsely stating the date of the last payment, they are also not providing the date of the first delinquency. That report is not complete, they must investigate and not just repeat what the collection agency tells them. I ask that they be removed from my report until the information is clarified. If the collection agency does not send the information, I am not obligated to pay, precisely because the information is not correct.

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 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Several of my debt accounts were settled through judicial settlement and they still are reflected on my credit report with inaccurate amounts being owed. XX/XX/2023 Several Inquires were made on my credit reports as well and were not removed by bureaus. Despite flagging the information., they have not removed the items from my file. 
XX/XX/2023 Also, there are XXXX social security numbers attached to credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have attempted to reach this company via mail in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX  and no response. I tried on a few attempts in XXXX, XXXX  to call and speak to someone and even transferred to a supervisor that they had no information regarding my information even after giving them my information. Asked if I had a letter and I said I did not that it is showing on my credit reports for XXXX, XXXX and XXXX. Said they could not help and ended the call. No response from letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TN

Complaint narrative:
I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention to this matter.

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 2023-11-02 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: PA

Complaint narrative:
Experian is required to follow the law regarding investigations of disputed inaccuracies from me, a consumer, whose records they must keep accurate.. When I asked Experian to investigate my factual disputes, they stalled and kept telling me the information was verified and updated, even though the dates they show as updated are several years old My disputed items were not updated. Experian never sent me proof of method for verification. I was notified by them that my disputed items were updated with absolutely no updates or proof of their investigation. 

This is a serious violation. 

Experian never conducted an independent investigation, because if this was done, they would have immediately determined that these accounts are incomplete, and therefore, inaccurate. Experian 's verification process ( e-Oscar ) did not fix the problems. I have never heard of e-Oscar until recently and do not see this tool mentioned in the FCRA. Therefore, Experian did not conduct the legal independent investigation of these accounts. 

In many cases, Experian appears to be intentionally suppressing my credit score by inserting negative items, absent of all account details! 

I am entitled to monetary damages, and I need all information they used to verify these accounts to prepare my legal case. 

I want Experian to please correct, update or delete the accounts below. I also would like to know how they, as a CRA, determine incomplete payment history as accurate. How did they verify this information? 

This is not a request for another round of disputes! 

These accounts, appearing on my Experian Report, have missing payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: MD

Complaint narrative:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: GA

Complaint narrative:
This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account 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
Consumer complaint received 2023-11-02 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 XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX  Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have disputed the XXXX XXXX XXXX XXXX account against Equifax, they are falsely stating the date of the last payment, they are also not providing the date of the first delinquency. That report is not complete, they must investigate and not just repeat what the collection agency tells them. I ask that they be removed from my report until the information is clarified. If the collection agency does not send the information, I am not obligated to pay, precisely because the information is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, am writing to you because I got rob at being of XXXX year XXXX, and they got a hold of my credit card, at the time where this happened I was in XXXX doing a project for a business, I try to cancel my credit card through the app ( XXXX  XXXX XXXX ) or report it stolen and it would only give me the option to call the bank which I was not able to do, because in XXXX you cant do international calls, I just got back to the states the XXXX of XX/XX/XXXX, I went directly to my bank ( XXXX  XXXX XXXX ) and reported my stolen credit card, they were able to resolve on their part of the end, they got me a new credit card and return the money that was stolen, the last 3 months I have not payed my mouthy fee because as I said my credit card was not in my possession and every time I would pay it, they would use it again. As of the resulted my credit score has decreased, I would like to know what I can do in this case, I have always been on top of my credit score but in this case, I didnt really have an option. 
In XX/XX/XXXX my XXXX score was a XXXX and XXXX XXXX is XXXX, how can I fix this.

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 2023-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: OR

Complaint narrative:
I entered into a lease agreement with XXXX XXXX XXXX, which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being. 

On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit. 

On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided. 

The next correspondence was a bill from IQ Data International on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from XXXX XXXX on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt. 

Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation. 

The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated. 

I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
My business credit card was used fraudulently for two transactions. 

One transaction was on XX/XX/2023 in the amount of {$2600.00} and the other transaction was on XX/XX/2023 in the amount of {$3800.00}. 

I didn't authorize these charges that showed as a square charge to a XXXX XXXX XXXX. 

I realized that these charges were made after I had told a permit runner my credit card information to pay a permit fee for me for a property I was purchasing at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Her name is XXXX XXXX. Her cell phone number is XXXX and her email is XXXX. 

I realized these charges when I logged into my XXXX XXXX XXXX  portal at Valley Bank and called XXXX on XX/XX/2023 out of suspicion. XXXX ended up admitting that she colluded in fraud with an architect from XXXX named XXXX XXXX to make these charges through a square processing device. The bank ended up calling him to dispute these charges and he stated that they were legitimate charges. I requested his information several times, but was never given it by my bank, nor from XXXX. 

In addition to trying to retrieve the money from the bank, I filed a police report with the XXXX of XXXX Police department. I provided all the information I had available, including countless conversations via text message with XXXX stating that she would have XXXX XXXX refund my money to my credit card. The police department ultimately said it was too small to investigate. The Incident report # is XXXX # : XXXX. Being told this, I tried to go back to my bank to see what recourse I had. 

The XXXX XXXXXXXX XXXX XXXX  I got from Valley Bank had no number to speak to directly so I would speak with a member of the bank I know. Ultimately after 4 months of trying to get my money back, having incurred interest throughout that time as well, I was told by the bank rep that XXXX would deny my claim. 

The bank rep emailed me on XX/XX/2023 at XXXX stating that they received notification that the dispute was denied due to the fact that my credit card information was given to the permit runner. That denial was received by their Credit Card Team and XXXX  : They recommended that I seek legal advice on how to proceed in getting the funds back from XXXX XXXX. 

Today, XX/XX/2023 I was told about the consumer financial protection bureau so I decided to proceed to try and collect this large sum of money I had fraudulently taken from me and that I have accrued over these last few months.

I am a victim of Fraud. Please help! I can provide all information that will be useful to you. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
There are two issues Im having with Nelnet. First being that when I consolidated my loan their system mistakingly put me on the standard repayment plan when it should have been the extended repayment plan. The second being they took my first payment on XX/XX/XXXX when my first payment wasnt schedule until XX/XX/XXXX. They have send multiple emails showing {$0.00} due for XXXX and in my portal it has always shown a XX/XX/XXXX date as the first payment date. In them taking out the payment a month early I was not prepared to pay the {$540.00} out of my account and they ended up taking my car payment money and some of my mortgage payment money that I had in that account that will be taken out in a day or two. I have tried to call them at least 4 times for the consolidation thing and 1 time for the payment with no luck of getting through with hold times of 35 minutes, an hour, an hour and 20 minutes and an hour and 55 minutes today for having to hang up. Ive then tried to email them multiple times to address both issues and just receive back a generic email stating they arent responding to emails right now. With no reasonable way of getting ahold of them I havent been able to resolve anything. I also didnt receive an email notification stating a payment was coming up for the {$540.00} on XX/XX/XXXX or a payment confirmation email after they took it out which I believe is a mandatory thing they have to do as a servicer. It has been nothing but stress after I got transferred to them.

Company response to consumer: Closed with explanation