vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: UT

Complaint narrative:
I am XXXX XXXX military servicemember, and was contacted by Williams & Fudge on behalf of XXXX XXXX, alleging I owed ~ {$2600.00} despite having my account paid in full to XXXX XXXX when I disenrolled. The debt collector has repeatedly provided an unsigned agreement, claiming that that is debt verification. 

Further, they have been attempting to charge a late fee in excess of the SCRA 6 % cap. They have stated " If you think you know what's legal better than me, you should just sue me. '' When reminded of federal law, both front-line reps, their supervisor, and their outside counsel have been unhelpful and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-04-15 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: NM

Complaint narrative:
This is in reference to both Savings and Checking Accounts with Bank of America both of which I am listed as POD. ( The accounts were/ are my father 's ). 

My father has passed and in attempt to close the accounts and secure the funds : I completed the following : XX/XX/24 Walked into Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Delivered Certified Death Certificate for accounts for which I am named POD. 

Associate named XXXX XXXX took Death Certificate, copied, and submitted the same. 

XX/XX/XXXX, XXXX Received call from XXXX XXXX who was my contact person for Estate Services XXXX She indicated that she would set up a 3rd Party Online portal where I could upload the necessary paperwork. Indicated that Death Certificate had not yet been received. 

I placed three calls back to BOA on XX/XX/24 ( spoke with XXXX XXXX XXXX ) asking if we could expedite the process by submitting paperwork to the physical bank as opposed to online. Was not provided this option. I uploaded requested documents. Apparently, picking up the funds/check from a physical bank is not an option. 

Tuesday XXXX Placed a call requesting status- XXXX XXXX indicated that file was still in review. Requested that the process again be expedited- XXXX indicated that she would communicate the same with her manager. 

Friday XXXX XXXX contacted me and indicated that file had been approved and instructed me to follow up with a next week to obtain a tracking number for check. Told that the check may take up to 4 days to arrive. 

Monday XX/XX/24 - Called BOA Estate Services and spoke with XXXX who indicated sending out the check ( s ) was not approved because there was a name discrepancy. I was listed as POD with a Hyphenated maiden and married name ( versus just married name ). BOA indicated that they needed a Marriage Certificate. I again asked that this process be expedited. XXXX indicated that if I uploaded the Marriage certificate and called back in 30 minutes- that a manager could approve the check. 

Called back in an hour and spoke with XXXX who indicated that the XXXX XXXX hadnt been received and asked that I email the same to him. I emailed the marriage certificate and stressed that I needed this expedited - XXXX instructed me to call back in XXXX hours to request the tracking number. 

XXXX minutes after the call, I received an email requesting that I again submit my marriage license. After I log in, it requests the marriage licensetwice.

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 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
The vehicle was involved in a total loss. The insurance company sent a check to Bridgecrest and it has been over a month and not yet applied to the account. Whenever I called they keep telling me they are checking on it, but the insurance company XXXX XXXX XXXX said it was cashed weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I am refiling this complaint to CALIBER HOME LOANS for still allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I am requesting that the account XXXX is removed from my credit report. I notified Experian, XXXX, and XXXX that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. XXXX is still reporting this as a charge off which is a FCRA violation. XXXX has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. 

This is complaint is filed as an addendum to complaint XXXX filed XXXX. 
I have attached Upgrade 's letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. 
I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in Upgrade 's credit bureau reporting department has intentionally retroactivley changed a positive reporting to a negative XX/XX/60 late reporting history which inaacurate This is malicious reporting to the credit bureaus by Upgrade done so AFTER I filed my first complaint againt this company. 
My request is that Upgrade be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, 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 2024-04-15 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: MI

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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TN

Complaint narrative:
Upon review of my consumer reports XXXX  I noticed that there was an account furnished by XXXX XXXX  on my consumer reports. The accounts are being reported to TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to ensure that they receive my notice and respond with a comprehensive reinvestigation. My notices of disputes have been ignored by other companies and that in itself is time consuming having to send an additional letter out. I want the multiple accounts reinvestigated.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-04-15 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: CA

Complaint narrative:
I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.

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 2024-04-15 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: CA

Complaint narrative:
I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.

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 2024-04-15 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
SoFi froze my account I have no access to my money and they wont explain anything or give me a timeframe as to when I can access my funds again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I called them about my payments being high and i needed to refinance because the car was having XXXX  problems with just a year of use and i wanted to get a bette  workable car they reused to refinance me and i told them i cant afford it to take it back they refused to take it back and said they couldnt do anything about it so when payment was not recieved thery repoed me and sold the XXXX  i asked for how much they refused to XXXX  me and said i had a balace of XXXX XXXX  I told the i will not pay that and they kept harassing me with phonecalls at all hours of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am sending a complaint of my account that was compromised since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$35000.00}. I've been given the run around, Citibank is giving me the run around and don't want to pay me. Can someone please help me return back my funds XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-04-15 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: AL

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.

has violated my rights. Or a list of inquiries : 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 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