vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that this XXXX has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an email on XX/XX/year> indicating that my prescheduled credit card payment ( substantial ) had been cancelled as well as my paying bank setup due to a change in services. The change in services was demands that customers agree to new payment terms ( adverse ) or bill pay was inaccessible. The email was somehow dated XX/XX/year> but didn't arrive until XX/XX/year>? 

I was forced to agree to the agreement in order to just pay my bill, which was due immediately. Today, I find that BOA has charged me a late fee after they cancelled my prior prescheduled payment!!!!! This bank is unreal. First they mismanage $ XXXX of my money and then they bounce all of my checks in my checking account, withhold my money, then jerk me around for weeks, and now, when I am attempting to finish off this credit card for a home improvement project and get away from this frickin ' bank, they start playing games so that my XXXX interest credit card will become interest bearing via lack of payment, WHICH THEY CANCELLED. Honestly, you can't make this stuff up. 

Further, bill pay was terminated for no reason, as the only account change was the closing of the prior savings and checking, when payments for the credit card were already set up and coming out of XXXX. BOA not only cancelled the scheduled payment, but removed XXXX so I had to set everything up again.

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 2024-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wired XXXX XXXX ( XXXX XXXX XXXX  to a vendor 's account at XXXX XXXX from my small business account at Bank of America. I initiated the wire on XX/XX/year> and the Bank called me on XX/XX/year> to verbally confirm the wire. On XX/XX/year> XXXX debited {$8100.00} from my account. 

Almost XXXX month has passed and neither has my vendor been paid nor my money deposited back to my account. I have made multiple calls to the bank and two branch visits to clear the issue. I have given the Bank invoices to show the purpose of the wire ( vintage jewelry I routinely purchase from XXXX for resale ). Bank of America requires no further information from me, yet there is no movement on this transaction. 

Bank of America has no explanation for the delay or when the problem might get resolved. The international wire department at XXXX says the money is at the intermediary bank, which is Bank of America in XXXX. XXXX full month has passed and a case is open at XXXX to investigate but nothing has been done. 

Investigation Case ID at Bank of America is XXXX Transaction ID XXXX the account is under my business : XXXX XXXX XXXX XXXX XXXX XXXX Account Number is 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 2024-12-13 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed accounts reported with inaccuracy on each bureau. Theres XXXX lates reporting on 2 bureaus and XXXX late on the other. Theres over lapping time for it to be a XXXX or XXXX day late. These are student loans that were on a forbearance or government program repayment plans. ( meaning no payment required ) The accounts should have and had a history of reporting as paid on time. The consumer reporting agencies need to report all information with complete accuracy. The reporting agencies have mixed information on how many days a late payment took place and also when the lates took place. I have attached supporting screenshots of my credit reports that clearly show the inaccuracy amongst the 3 bureaus. 
These accounts have not been late. 
Im now requesting you to investigate and provide verifiable proof with records showing the accuracy as reported with each bureau. 
If this information can not be verified I demand these payments be updated to paid on time immediately. 

Please refer to compliance procedures- 15 u.s. code s 1681e section b Thank you for a timely response. As this is effecting my creditworthiness with a major purchase for my family.

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 2024-12-13 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 reviewed my credit report and noticed accounts reported with inaccuracy on each bureau. Theres XXXX lates reporting on XXXX bureaus and XXXX late on the other. Theres over lapping time for it to be a XXXX or XXXX  day late. These are student loans that were on a forbearance or government program repayment plans. ( meaning no payment required ) The accounts should have and had a history of reporting as paid on time. The consumer reporting agencies need to report all information with complete accuracy. The reporting agencies have mixed information on how many days a late payment took place and also when the lates took place. I have attached supporting screenshots of my credit reports that clearly show the inaccuracy amongst the XXXX bureaus. 
These accounts have not been late. 
XXXX now requesting you to investigate and provide verifiable proof with records showing the accuracy as reported with each bureau. 
If this information can not be verified I demand these payments be updated to paid on time immediately. 

Please refer to compliance procedures- XXXX XXXX XXXXXXXX XXXX XXXX section b Thank you for a timely response. As this is effecting my creditworthiness with a major purchase for my family.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
XXXX XXXX, XXXX is a debt collection attempting to collect a debt in the amount of {$9200.00}. I have no knowledge of this account. I have repeated disputed this debt with all three credit bureaus to no avail. I think the next action I take if I can not get any resolve from consumer finance is to take legal action. Please remove this account from credit report. I have repeatedly said I was a victime of identiy theft annd it seems no one cares. I am consistentky receiving letters and calls for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
To whom it may concern, This is the letter I was asked to mail to you guys and I did as instructed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX here is a screenshot of my app still showing that my account is being verified, call multiple times about this issue. Today I spoked to XXXX in the customer service department and she was able to figure out what was the issue, the problem was that the previous representative instructed me to do the app registration under my name but it need it to be under the companys name. Due to this matter you guys reported a late payment to my credit report, I never had a late payment or missed on my credit, I know how important credit is and value that. I submitted a dispute through XXXX & XXXX please remove this late payment from my account as soon as possible. Thank you XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I just received a call from XXXX trying to force me to make a payment for late fees on my husband account in the amount of {$680.00} and his principal balance was only {$230.00}. She when as far as to tell me that not making the payment would impact his score. My husband has been out of work XXXX years now we have tried to ask for assistance from the company to lower his payment due to his health. Although they deferred about XXXX payments it was still a struggle paying the amount monthly payment either the representative would block you out of the account. Or just really wasn't any help now to apply the fees as if it is apart of his loan amount is ridiculous and unfair and illegal I have paid his principal balance in his agreement. The company has told me several times that I can't make post payment agreement but I was able to do so today even though my husband has me as authorize user on his account I am the who handle his affairs because of his medical issues I still have issues with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-13 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
XXXX XXXX is claiming that I owed a month of internet service plus equipment ( router/modem ) which this one was returned to a XXXX facility as instructed by them, the month of service is not accurate since I called to canceled and they still bill me for an extra month. 
Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Shellpoint force placed insurance in XXXX that was inappropriate due to i already had insurance. I paid my insurance until XXXX of XXXX. Shellpoint paid the forced insurance out if my escrow accout of more than {$2200.00}. They have yet to refund my escrow account of that {$2200.00} since my insurance was already paid? I have attached all the correspondents, documentation and the times that I have sent to them my homeowners insurance.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit report includes errors under XXXXXXXX XXXX XXXX I did not authorize the hard inquiries listed and request their removal to prevent further damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX Wells Fargo I am filing a complaint abouXXXX XXXX XXXX XXXX unacceptable handling of my dispute. Despite contacting them XXXX  by phone to resolve the issue, they failed to address the problem and exhibited extremely poor attitudes. Below are the details of the dispute : Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX XXXX Transaction Amount : {$78.00} Card Number : XXXX Current Status : I received a notice stating : " We need to speak with you about your dispute, but we haven't been able to reach you by phone or email. Please call us at XXXX XXXX : XXXX am - XXXX pm XXXX XXXX within XXXX  days from the date of this message. If we do not hear back from you, we will continue our investigation with the information currently available to us. '' However, after following their instructions and calling the provided number, Wells Fargo has failed to offer any resolution. Their lack of action and rude customer service have caused me significant frustration. 

I am now escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek a fair resolution. 
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 monetary relief
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
I have never been late on any payments, XXXX XXXX XXXX reported the information incorrectly.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief