vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
EVIDENCE FOR FRAUD CLAIM I would like to file a complaint because my bank of America fraud department denied my claim about charges that were made on stolen from me card. In addition there's no way to submit evidence that I want to submit to be added to this case. I was on the phone with bank of America fraud center requesting the information on how to submit the evidence. Bank of America fraud center kept me on hold a for over an hour total today they transferred me and they ended up saying : " our existing fraud claim department don't handle submitting of the evidence we will transferring you ''. And then the lady transferred my call to main line for bank of America ( where they don't handle fraud at all only regular banking ). So I never found out a way to submit the documentation. 

There were 4 charges on my credit card account dated XX/XX/XXXX totaling in XXXX XXXX My card was not in my possession at the time transactions were made. Which I only realized after I learned about already made transactions for XXXX XXXX 
All of the charges were made using my physical card at the grocery store, drug store, wine store and XXXX. 
I've attached all my bank of America credit card statements from this year and year end summary of XXXX. You can see I've not even once uses my physical card in store. And I never purchased groceries, wines and drug store items. 

1. If the fraud department compared the purchasing pattern for my claim, such as types and amounts of purchases, with the my previous purchases they would see it's extremely unusual. 

2. Reviewing the place of delivery ( XXXX fraud transactions were made in XXXX XXXX ) relative to the my home address they would see that it can't be my usual place to shop for groceries and drinks. Why would I buy groceries in XXXX XXXX if I live in a very North of XXXX? 
Living in XXXX my grocery shopping venues can't be 3 hours far away. 
I also attached a sworn affidavit that I notarized today. 

3. Please compare the signature on any purchase receipts with my signature. 
Besides the affidavit my signature is shown on my SSN card and State ID that I also attached. 
I'm also want to file police report but I need to know the address where all fraud transactions were made. 

Thank you! 
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 monetary relief
Consumer complaint received 2023-11-30 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: AZ

Complaint narrative:
I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : 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 explanation
Consumer complaint received 2023-11-30 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: AZ

Complaint narrative:
I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$430.00}

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 2023-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted Huntington Mortgage seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : HUNTINGTON MORTGAGE CO XXXX Date Opened : XX/XX/XXXX  Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: LA

Complaint narrative:
I REACHED OUT TO THE COMPANIES THAT HAVE THESE FRAUDULENT ACCOUNTS ON ALL 3 OF MY CREDIT REPORTS ASKING FOR PROOF SHOWING THAT THESE ACCOUNTS BELONG TO ME. THEY HAVE YET TO PROVE THESE ACCOUNTS BELONG TO ME. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-11-30 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: LA

Complaint narrative:
I REACHED OUT TO THE COMPANIES THAT HAVE THESE FRAUDULENT ACCOUNTS ON ALL 3 OF MY CREDIT REPORTS ASKING FOR PROOF SHOWING THAT THESE ACCOUNTS BELONG TO ME. THEY HAVE YET TO PROVE THESE ACCOUNTS BELONG TO ME. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-11-30 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: NJ

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-11-30 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: NC

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Balance : {$750.00}

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 2023-11-30 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: NC

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Balance : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I have tried numerous times to open a CD account with BMO XXXX  during the month of XX/XX/XXXX  and have been unsuccessful. I have been denied opening an account five times, yet keep receiving the same automated email response : " Thank you for your interest in BMO XXXX. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply. 

Thank you for choosing BMO XXXX. '' Upon calling BMO XXXX to get more information, they have refused to give me a reason as to why my application was declined. No one would let me speak with a supervisor or provide me with any further information as to why my application was denied. The told me the only thing I could do is reapply, which I have, yet am still getting declined.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX  I sent Equifax a statement explaining every violation in my complaint. I also included a copy of my social security card, driver 's license & utility bill. Please review the attached documentation. I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so Equifax is required to make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations. All information must be reported accurately and according with Metro 2 regulations or else the reporting agency can face fines, so the reporting agency is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why Equifax and the company who provided the data to Equifax to consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that Equifax verify permissible purpose was provided for each account and inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: MD

Complaint narrative:
In XXXX  during the Pandemic I was the victim of identity theft as were many of us. I then placed a fraud alert with the reporting agencies XXXX, XXXX, and Transunion shortly thereafter. Despite my effort to protect my identity and my nonpublic personal information the aforementioned agencies not only allowed my info to be used, misused, and abused but after I reached out and submitted a statement which can still be seen on my report as of to date stating that none of the inquiries or accounts added after the fraud alert was placed there had any accuracy they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i.

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 2023-11-30 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: AR

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding the multiple attempts made to rectify the issue of a late open account at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. 

I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. 

I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. 

To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. 

This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. As a customer, I believe that timely and accurate resolution of issues is fundamental to maintaining a positive relationship with a financial institution. 

I request that you investigate this matter thoroughly to understand the root cause of the delays and provide a detailed explanation of the steps taken to prevent such occurrences in the future. Additionally, I expect a formal apology for the inconvenience caused and a clear outline of the measures that will be implemented to rectify this situation promptly. 

I appreciate your immediate attention to this matter and expect a comprehensive response within the exact timeframe of receiving this letter. Failure to address this concern adequately may compel me to escalate this issue to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXXXXXX XXXX Balance : {$10000.00}.

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 2023-11-30 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: NJ

Complaint narrative:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

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 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX  Loancare LLC XXXX was hacked by unknown authors. I was not able to make mortgage payments and they are now trying to charge late fees. My personal information was compromised, and they never sent me a letter or correspondence to inform me of the incident. Loancare LLC has been sued multiple times over their history for the same reason unable to protected consumers date.

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