vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against Experian, XXXX, and XXXX regarding issues related to the verification of identity for a fraud alert placed on my credit reports. 

1. Verification Questions : Both Experian and XXXX have failed to provide valid verification questions or questions that match the information on file. This has resulted in difficulties in verifying my identity and accessing my credit reports securely. 
2. Phone Number Update : Despite multiple requests, the phone number associated with the fraud alert has not been updated with the bureaus for verification purposes. This has led to further complications in the verification process. 
3. Inability to Temporarily Remove Fraud Alert : All three bureaus, but primarily Experian and XXXX, have been unable to temporarily remove the inaccurate fraud alert placed on my credit report. This has resulted in delays, denials, or conditional approvals for various financial transactions and applications. 
4. XXXX Identification Software Issues : XXXX identification software has failed to verify my identity accurately, leading to delays, denials, or conditional approvals similar to those experienced with Experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I cosigned for my daughter for a vehicle on XX/XX/XXXX through Credit Acceptance. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, Credit Acceptance sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously

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 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
on or about XXXX my former wife and i enrolled in a debt reduction program. all credit card debts was paid off in XXXX in XX/XX/XXXX / XX/XX/XXXX a debt that was previously paid off showed up on my credit report. my understanding over 100 people have filed a class action law suit against the debt collection agency for mismanagement of listing debts that are already been satisfied. please investigate my claim as i am attempting to purchase a property and can not proceed until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
Out of the blue SEQUIUM ASSET SOLUTION added XXXX $ debt on my credit. 
I disputed it with all 3 credit agencies because i have 0 idea what this is- it is not mine. I dont owe XXXX  anything, and i dont owe anyone anything. All 3 credit agencies deleted it over the dispute. 
Now, today, they added it back as a new collection a month later, but only on XXXX. 

Prior to this i had a fraudulent charge with XXXX  that was also removed for a different amount! I notified XXXX, i also disputed it when it got to a different collections agency, which was also removed due to being found to not be a valid debt - JUST LIKE THIS ONE. I dont know what is going on, but it is wrong and I feel like it is fraud in THEIR part at this point. Ive not even gotten a single bill or notice. This is utter XXXX.

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

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2024, I initiated a funds transfer from my Bank of America Checking account to my XXXX checking account for the amount of {$1600.00}. Despite completing all security measures online, including logging in with my credentials, undergoing two-step verification, and establishing transfer access between my accounts, I encountered an unexpected hurdle. 

Immediately after submitting the transfer, I received a text message from Bank of America ( number XXXX ), instructing me to call XXXX to confirm the transaction. This requirement was not transparent during the online process, leaving me blindsided by an additional step that significantly impeded my ability to access my own funds. 

As of now, I have been on hold for an exasperating 1 hour and 34 minutes, with no end in sight. This prolonged wait time is not only unacceptable but also creates an undue burden, as I am unable to attend to other essential matters, such as paying my rent. 

Bank of America 's failure to disclose the necessity of a confirmation call and the excessively long wait time reflects a lack of transparency and disregard for customer convenience. Moreover, the imposition of this additional step appears to be an intentional tactic to hinder account holders from transferring funds out of their Bank of America accounts, thereby restricting their financial autonomy. 

I demand that Bank of America either provide clear upfront disclosure regarding the confirmation call requirement and its associated wait time or eliminate this unnecessary step altogether. My experience represents a systemic issue that undermines customer trust and limits access to essential banking services. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Bank of America rectifies its practices to prioritize customer convenience and transparency in all banking transactions. 

Thank you for your 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to create an account with Equifax online and by phone to correct personal information that is incorrect and also dispute an account that is incorrect.

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

Complaint narrative:
This account was charged off on the following date ( XX/XX/2022 of XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account # 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against XXXX, XXXX, and Equifax regarding issues related to the verification of identity for a fraud alert placed on my credit reports. 

1. Verification Questions : Both XXXX and XXXX have failed to provide valid verification questions or questions that match the information on file. This has resulted in difficulties in verifying my identity and accessing my credit reports securely. 
2. Phone Number Update : Despite multiple requests, the phone number associated with the fraud alert has not been updated with the bureaus for verification purposes. This has led to further complications in the verification process. 
3. Inability to Temporarily Remove Fraud Alert : All three bureaus, but primarily XXXX and XXXX, have been unable to temporarily remove the inaccurate fraud alert placed on my credit report. This has resulted in delays, denials, or conditional approvals for various financial transactions and applications. 
4. Equifax Identification Software Issues : Equifaxs identification software has failed to verify my identity accurately, leading to delays, denials, or conditional approvals similar to those experienced with XXXX and XXXX.

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

Complaint narrative:
these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on TransUnion ; XXXX and XXXX Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX Charge Off 2. XXXX XXXX XXXX Charge Off 3. XXXX XXXX XXXX XXXX Charge Off 4. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXX Charge Off 6. XXXX XXXX XXXX XXXX Charge Off 7. 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on XXXX ; Equifax and XXXX Item Number Company Name Account Number Comments 1. XXXX  XXXX XXXX Charge Off 2. XXXX  XXXX XXXX Charge Off 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXXXXXX Charge Off 6. XXXX  XXXX XXXX  XXXX Charge Off 7. XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I cant verify my account.. Ive been calling the customer support line for 2months to let them know my issue. Everyone keeps having me repeat the same exact steps just to say they cant help and to wait for an email from the higher up to go any further.. I havent received anything/ email from Cash App Higher Up concerning my problem. Its been 2 months and I want my money off my account. I got a ticket number on XX/XX/year> and still nothing!

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

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 XXXX, has violated my rights. 

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 2024-03-02 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: CT

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 XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Comenity Bank took over my XXXX XXXX account in XX/XX/XXXX. I was told nothing would change. I received a letter from Comenity Bank on dated XX/XX/XXXXXXXX XXXX  stating that my 5.9 % fixed APR would be increased to 10 % as of XX/XX/XXXX XXXX That is almost double what my current rate is. I have had this card for over 20 years with the same 5.9 % fix rate. I have never been late with a payment or missed a payment. I pay more than the minimum and always before the due date. I have not asked for a credit increase. I have never broken any conditions in our contract therefore I do not believe that my APR should be increased. I contacted Comenity Bank 's Customer Service on XX/XX/XXXX. I was disconnected 4 times, transferred twice and given incorrect information on what my next steps were. I finally spoke with a supervisor named XXXX who told me that she could do nothing with APR increase and that I needed to send a letter to dispute my APR increase. I sent a certified letter on XX/XX/XXXX to dispute the increase. I received a letter from Comenity Bank on XX/XX/XXXX that was dated XX/XX/XXXX that thanked me for contacting them and that I should call XXXX as soon as possible to resolve my inquiry. I called the number on XX/XX/XXXX and it was Customer Service again. They told me again that they could not help me. I asked to speak to a Supervisor and spoke with a woman named XXXX. She listened and unfortunately said the same thing XXXX told me. XXXX recommended I sign into my account online to see if I can " speak '' or message a representative to discuss my APR. I tried but ended up on with virtual helper with no new leads. I can not find a human to speak to about this ridiculous increase on a fixed rate credit card that has now been changed to a variable interest for no reason and according to Comenity this increase will begin XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX  we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX  we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously

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