vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: FL

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 XXXX Account Number:XXXX Account Name : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

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 XXXX Account Number:XXXX Account Name : XXXX 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 explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My home equity loan application with Bank of America was halted because my name came up with a lien against it. It was an individual with my name who lives in XXXX XXXX ; XXXX NJ. I have never lived in XXXX ; XXXX XXXX. If the bank had done its due diligence in making a proper record search of my identity, this should have never happened. Now the bank says I need to provide a document from the courthouse showing the lien against me is either released or dismissed. This is completely absurd since there is in fact NO LIEN against 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 explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I entered into a settlement agreement with Bank of America to make a payment of {$350.00} to settle my charged off Bank of America credit card and show as settled 'in full ' for less than full balance. I made a payment on XX/XX/ and received confirmation XXXX XXXXXXXX  After reviewing my consumer credit report I see that they posted the amount paid, however there is still a balance showing. The purpose of settling the account with them was to show as settled in full with a {$0.00} balance. According to Bank of America they will not reflect a XXXX balance. I feel as if they did a 'bait and switch '. I was never notified that there would still be a balance showing on my credit report. When I entered into the agreement with the agent it was with the understanding that I was settling the credit card account out for less than the full balance to reflect, but the purpose of the settlement was to reflect a {$0.00} balance on my consumer credit report. When I spoke to Bank of America they continue to use verbiage regarding their disclosure statement as a way to cover up their mishandling of the account. Not once in their disclosure does it state that a balance would still reflect on my credit report. I feel as if they lured me into a settlement agreement under false pretense in order to collect a payment on the balance however their actions appear to be fraudulent. I would like for my credit report to be updated to reflect a {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: MN

Complaint narrative:
I found inquiries that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
My mother passed away in XXXX of XXXX. On XX/XX/XXXX her condo was sold and the mortgage was paid in full. At the time of closing we paid all taxes on the property and were to be reimbursed by the lender ( Truist Bank ) for the {$1200.00} in the escrow account. 
The title company provided Truist with the new address for the escrow check. They ignored the request and sent the check to the old address. 
After 30 days of not receiving the escrow check I called Truist and they stated that since I was not on the mortgage they would have to send me paperwork. I did the paperwork and sent it back in. After multiple requests from Truist for additional information they finally mailed a check to the proper address. The check was dated XX/XX/XXXX. I then received a check a day or 2 later for a check dated XX/XX/XXXX. 
I called Truist on XX/XX/XXXX to find out which check that I should be depositing they told me there was a stop payment on the check dated XX/XX/XXXX that I should deposit the check dated XXXX/XXXX/XXXX. This check was deposited on XX/XX/XXXX. 
On XX/XX/XXXX the bank reached out to me and stated that Truist had cancelled the check and that I would then be charged the check cancellation fee in the amount of {$10.00} and the {$1200.00} would be removed from my mothers trust account. 
As of today XX/XX/XXXX it has been 72 days since we have sold the property and paid the mortgage in full and we have not received an Escrow return check that is valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have never live at this apartment complex. Someone has been using my identity with apartment complex as well as medical billings. 
I did contact the property they referred me only to the collection agency. I spoke with collection agency and they could not provide me with the information also asked to send me proof of debt and identity theft information not received. however, the collection agency did inform me to submit the identity theft and to report back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: IN

Complaint narrative:
this is proof that these accounts was deleted but they put these accounts back on my consumer report .I filed my identity theft report letting the credit bureaus know I was a victim of identity.

15 u.s. code 1681c-2 : which states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft.

15 u.s. code 1681b permissible purpose : in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I payed them to fix my credit and also they supposed to reach out to companies on my behalf but nothing never got fixed on my credit I was paying them for like 6 months before stopping my services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
To whom it may concern i recently finished an investigation and my report came back up dated, however there are still violations on my consumer report. The image attached below i have circled are errors on my report. I asked to remove all late payments for it is in violation of the Fair Credit Reporting Act. A consumer has a right to privacy and i have NOT given you any written instructions and my account has been furnished. Please fix this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX Midland Credit Management placed a collection for a XXXX XXXX XXXX store account on my credit as a collection. The amount listed is {$930.00}. I have not opened, nor authorized anyone on my behave to open, this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I can not afford to pay back the loan right now my financial situation is not in good standing and I need the company to stop over drafting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NY

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.

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 explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
I've never been in XXXX  Texas! An address is in my report and I don't know what it is. And money was sent out by the irs to s bank account and I have no clue what or where it is and that is not my account! XXXX dollars to someone that was not 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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MO

Complaint narrative:
I bought a house on XX/XX/XXXX of this year. My mortgage is being serviced by LoanCare. 

The first payment was on XX/XX/XXXX. So, at the end of XXXX, I set up an account with them, made the first payment and set up autopay. I got a confirmation that autopay was set up successfully and went on a work trip to XXXX. 

I noticed no payment was taken from my account in XXXX. I tried logging in to make it manually, but it requires a phone confirmation, and I can not receive it from XXXX. 

I tried contacting them by email to ask to help apply the payment method manually. The support email given in their welcome message doesn't work ( got the no-reply message ). I tried emailing all other addresses they have, none of them work. 

Therefore, despite having funds, I can not make a payment. At best I will have to pay late fees when I come back, at worst my credit score will be ruined, which will cost me endless business losses. 

I understand I am " at fault '' for traveling overseas, but every single autopay I set up before since moving to America worked properly. And I think a mortgage service company should have a way of getting reached out to via email, it's absurd that they don't. 

I went a step further and realized there are endless Internet complaints about them not picking up the phone, not applying payments properly, etc. 

All I want is to be able to make my payment. I have the funds to do so, I never missed any payments in my life. I want them to have a customer support email address. 

Thank you so much for helping with this and I apologize if it wasn't right to reach out to you with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase wired money ( {$11000.00} ) XX/XX/23 for me to another Chase account ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX fraudulently represented themselves as a broker/escrow sevice and transportation company. This organization committed fraud, misrepresented availability of classic automobile, never delivered and are unavailable to contact via phone or email. Chase will not take action to return my funds even though a fraud claim has been filed. Claim # XXXX. This is blatant theft and fraud by a Chase account holder who received funds. Chase account # XXXX, routing # XXXX. 
Chase bank knowingly allows this fraud perpetuating organization utilize their bank and does not protect me, the victim! Please assist me in this matter XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX are fraudulent organizations and have been reported to FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NV

Complaint narrative:
Notice to remove all fraud alerts and freezes on my account. 

AFFIDAVIT OF TRUTH AND FACTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by Experian ConsumerInfo.com , Inc., Experian Consumer Services ( ECS '' ), XXXX XXXX XXXX, XXXX XXXX, CA XXXX or Experian XXXX XXXX XXXX, XXXX, TX XXXX the information is inaccurate and false. 
I have made phone call and online requested by way of your website as to the inaccurate information thereto and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX XXXX XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX or XXXX XXXX. I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX  XXXX  I am not a XXXX XXXX XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my XXXX  heritage as an XXXX XXXX XXXX XXXX  and nothing more nor less. 

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 explanation
Consumer complaint received 2023-09-07 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-09-07 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: NY

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.

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