vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: ME

Complaint narrative:
I have filed disputes into the accuracy of payment history through XXXX and TransUnion regarding my XXXX XXXX XXXX mortgage account. Regardless if XXXX reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because XXXX is failing to respond to active disputes. 

I would like XXXX to prove they have in fact responded to active disputes through TransUnion and XXXX. The agencies have told me since XXXX has not responded to the disputes the account will remain suppressed until they finally respond. The TransUnion dispute was from well over XXXX months ago. After XXXX days TransUnion begins to suppress the account from a failure of the creditor to respond. A similar policy is held with XXXX. 

XXXX must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of XXXX failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that XXXX has failed to respond to disputes on XXXX and TransUnion which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus XXXX which is active but suppressed from their lack of response to open disputes.

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 2024-04-20 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: ME

Complaint narrative:
I have filed disputes into the accuracy of payment history through Equifax and XXXX regarding my XXXX XXXX XXXX mortgage account. Regardless if XXXX reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because XXXX is failing to respond to active disputes. 

I would like XXXX to prove they have in fact responded to active disputes through XXXX and Equifax. The agencies have told me since XXXX has not responded to the disputes the account will remain suppressed until they finally respond. The XXXX dispute was from well over 6 months ago. After XXXX  days XXXX begins to suppress the account from a failure of the creditor to respond. A similar policy is held with Equifax. 

XXXX must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of XXXX failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that XXXX has failed to respond to disputes on Equifax and XXXX which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus XXXX which is active but suppressed from their lack of response to open disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I disagree with the account listed below wich still appers on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies ar highly injurious to my credit score, in accordance with the Fair Credit Reporting Act, Public law XXXX, XXXX VI, section XXXX, subsection A-D, please provide the names and bussiness addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your reinvetigation. 

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 non-monetary relief
Consumer complaint received 2024-04-20 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:
I disagree with the account listed below wich still appers on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies ar highly injurious to my credit score, in accordance with the Fair Credit Reporting Act, Public law XXXX, XXXX VI, section XXXX, subsection A-D, please provide the names and bussiness addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your reinvetigation. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America regarding the neglect and mismanagement of my account, which has resulted in severe financial and psychological distress. Over recent months, I have experienced unauthorized transactions, address changes without consent, and an overall lack of responsiveness and care from Bank of America representatives. 

I have only recently regained access to my online account and was shocked to discover numerous transactions that I did not authorize or receive. Additionally, my address has been changed multiple times without my permission, leading to a stream of random mail and correspondence that has greatly contributed to my overwhelming situation. 

Throughout this ordeal, I have been treated with disrespect and insensitivity by Bank of America personnel. The lack of accountability and assistance has exacerbated my XXXX XXXX issues to a critical level, putting both my own well-being and that of my child at risk. 

I demand immediate action and resolution from Bank of A To Whom It May Concern I am writing to formally lodge a complaint against Bank of America regarding the neglect and mismanagement of my account, which has resulted in XXXX XXXX XXXX XXXX XXXX. Over recent months, I have experienced unauthorized transactions, address changes without consent, and an overall lack of responsiveness and care from Bank of America representatives. 

I have only recently regained access to my online account and was shocked to discover numerous transactions that I did not authorize or receive. Additionally, my address has been changed multiple times without my permission, leading to a stream of random mail and correspondence that has greatly contributed to my overwhelming situation. 

Throughout this ordeal, I have been treated with disrespect and insensitivity by Bank of America personnel. The lack of accountability and assistance has exacerbated my XXXX XXXX XXXX to a critical level, putting both my own well-being and that of my child at risk. 

I demand immediate action and resolution from Bank of America to rectify these issues and provide compensation for the damages caused. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
I ask that Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely,

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 2024-04-20 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, 1. ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but TransUnion is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem

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 2024-04-20 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: MN

Complaint narrative:
Upon review of my updated consumer disclosure report, I noticed that the very same inaccurate accounts I disputed initially in detail are still being reported in my consumer report. As it stands, these accounts remain both inaccurate and incomplete. 
EXPERIAN INFORMATION SOLUTIONS, this agency is in violation of the Fair Credit Reporting Act. This agency is in violation of 15 USC 15 USC 1681i. In EXPERIANS response to my dispute, it claimed that the accounts XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, and XXXX XXXX XXXX Account Number : XXXX was updated which is an implication that changes were made to the accounts. What exactly was updated? The same inaccuracies persist on the accounts that were initially disputed. The reporting of these accounts is violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In reference to my loan ending in XXXX. Bank of America has the deceptive practice of sending emails for many years that indicate that if I do not respond to this email I will automatically be put on paperless billing. Recently I missed these emails and as a result I did not receive a bill for the months of XXXX and XXXX. I was sent a notice of intent to foreclose, for the first time in my life. I was charged late fees of {$29.00}. Bank of America also reported this delinquency to the credit agencies and again for the first time in my life my credit score dropped below XXXX and is now preventing me from qualifying for new loans. 

I did not ask to be on paperless billing, I will never ask to be on paperless billing. I was unwittingly placed in this program. It is deceptive and not my fault. The moment I received the notice of intent from Bank of America I paid the balance in full, and am current on the account. 

1- I want these late fees reversed.

2- I want this practice to be stopped.

3- I want this reporting to the credit bureaus to be rescinded.

4- I want a letter of apology

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 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I finance a car with Capital One Auto Finance, it was a XXXX  XXXX XXXX XXXX. XXXX was sued and loss for the faulty XXXX engine. I about the loan, they told me they can not take me to court or sue me for the remainder of the loan called Capital One for more information. 
I will like this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: GA

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 XXXX Account Number  : XXXX and 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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Im a U.S citizen. Almost two years ago I was traveling a lot outside of the US and I believe because of currency changes and charges chase bank who I have been banking with for over a decade, closed my account without notice. They said they sent a check with the almost XXXX US dollars to my house in the states but I didnt receive it. 
Now on multiple occasions I have gone into the branch in the US and I have tried to get the money back but they are requiring the check sent to my house in the US which I no longer live at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
Around XX/XX/2024 I emailed my home building company, XXXX XXXX XXXX XXXX XXXX XXXX, north carolina and my mortgage company because I am experiencing a great deal of issues with my new manufactured home. I moved into the home around the first week of XX/XX/2024. There are so many defects with this home and so I reported the home building company to the nc doj because of this. I also reached out to someone at the mortgage company pertaining to these issues and have not heard back from them yet. I would like for all of my mortgage payments to be paused because of the defects. for one, the home has poor ventilation in the air vents in my home. and then the home is literally falling apart in some places inside of the home. I reached out to the home building company and asked them to inform the mortgage company to pause all of my mortgage payments until these issues are fixed. in addition, the home building company set my home in the wrong place, and the county had to come out and tell them to move it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion decided to change my social security number AND all personal information about me, to my twin sisters ssn, address etc, and now wants me to prove my identity when its there XXXX XXXX. Ive explained and verified my identity countless times and at this point this is literally hindering my life. Im homeless living with my grandmother because of the actions of TransUnion.

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 2024-04-20 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: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, Wakefield and Associates, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX . The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a XXXX XXXX XXXX account open reporting the amount of {$310.00} inaccurate that was also fraud. and XXXX XXXX XXXX reporting late payments and inaccurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: Kikoff Inc.
State: CA

Complaint narrative:
I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX . The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a XXXX XXXX XXXX account open reporting the amount of {$310.00} inaccurate that was also fraud. and Kikoff lending LLC reporting late payments and inaccurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my XXXX attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-04-20 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: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX. ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem.

Company response to consumer: Closed with non-monetary relief