vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year>, I logged online to move money around and noticed that 2 of my accounts showed a XXXX balance. I spent the next few hours on the phone with fraud and then the estate department. I was told that they received information that I was deceased and therefore froze my assets. They instructed me to call the SSA to confirm what they reported. The SSA did not have me reported as deceased. I was instructed by BOfA that I would need to get a letter from SSA and go into the branch to get this cleared up. After several visits, they were able to unfreeze the assets. I still have one account that I need to have fixed and have to make a third trip into the branch. I since found out that this entire situation was because someone within Bank of America mid keyed my SSN as deceased in error. I understand human error but the amount of time and energy I had to go through because of this should not have fallen on my shoulders. I want to know what they are going to do to compensate me for the time and anguish this has caused. 
They need to own their mistake and need to put safeguards in place so this doesnt happen to others.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Someone opened an account without my consent. I checked my XXXX XXXX alert and found out through XXXX that it was opened on XX/XX/2024. I called the Bank of America number provided below. They transferred me to the Fraud Department where I reported the incident. They could provide more information, so they gave me another number to call.

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete these inquiries. I am unaware of this, and the company proceeded without my permission.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
TRUIST BANK CLOSED MY ACCOUNT ON XX/XX/year>. MY AVAILABALE BALANCE ON THE ACCOUNT WAS {$9600.00} AT THAT TIME. FOR 3 MONTHS I'M FIGHTING WITH THE BANK AND CAN NOT RECEIVE MY FUNDS HELD WITH THIS BANK. 
THEY HAVE WRITTEN OFF THE BALANCE ; AS OF TODAY ( XX/XX/year> ), THEY HAVE REDUCED MY AVAILABLE BALANCE TO XXXX. THEY CLAIM THAT THE FUNDS ARE HELD FOR THE RECOVERY REASONS AND NO OTHER INFORMATION IS BEING PROVIDED TO ME, NEITHER THE TIMELINE OF THE SO-CALLED " FRAUD '' INVESTIGATION. NOT ONLY THEY REFUSED TO ACCEPT MY REAL BUSINESS RELATED CHECK DEPOSITS, ALSO THEY CLOSED MY ACCOUNT ON THE " FRAUD '' SUSPICION AND REFUSING TO RETURN MY FUNDS. THEY ARE JUST ROBBING MY ACCOUNT ON THE HIGHWAY IN THE MIDDLE OF THE DAY! 

TRUIST BUSINESS ACCOUNT NUMBER : 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA 605B seems to require us to delete any inaccurate accounts from my credit report. Could you check the documents? There are errors in some of the listed accounts, such as incorrect amounts and dates.

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 2024-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fendelman & Associates, LLC
State: MO

Complaint narrative:
This is not on my credit report nor was I ever told about this debt from XXXX  before my wages were garnished was never informed until I noticed it on my check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  report a late payment on XXXX, XXXX  on my Individual Credit hurting my score ; I call them an explained that I made the payment on XX/XX/year>, they stated that I will need a proof of the payment, so I faxed the bank account from where the payment was sent by fax ; however, now they are denying that they received the fax, and still hurting my credit due to their lies and incompetence. 
They do nothing for the costumers, but when they have any opportunity they will hurt your finances. This bank is not good.

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 2024-05-16 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 am writing to challenge the reporting and compliance of my credit report. I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally unilaterally chose to revise the contract without my consent and deferred payments in XXXX. When I went to the site ( due to online paying as the only option ), there were no payments noted as due during XXXX months in XXXX. As the contract ended in XX/XX/XXXX, I realized I still owed over {$1000.00} when I should have been paid off early due to EARLY payments made. Instead, I still owed. I made additional payments, but still I was told I owed more payments. There was no way to reach anyone at corporate and the customer service reps continued to tell me that I requested the deferment and extension. I did not and they have NOTHING signed by me requesting this. I also asked for a detailed breakdown of the payments and interest paid. I got some random report. After additional delays by Ally, I was told that they were going to remove the deferment from the system. At this time, I was getting notices that I was now " XXXX '' and " XXXX '' payments past due, additional interest had been charged and my credit report was being destroyed by their claiming I was late in my payments. In that the contract calls for a certain amount of priniciple and the interest should not have accrued during this illegal deferment, I need to have the real and accurate amount provided to resolve what may ( or may not ) be XXXX missing payments, This issue was caused by them. And they will not fix it. Additionally, I had sought to resolve this through XXXX and the amounts reported owed by me from them is different from the documents they sent me. My credit is being destroyed and I do not have my title. I should have had it and would have had it if they did not pull this scam on me. And again, there was nothing noted in my online account or in the credit report that I failed to make the XXXX payments they claim are still owed to them. I am under threat of repossession and I do not have my title. 

Be advised, the Ally rep on the phone told me that I had made all my payment in XXXX. This is a recorded call. I wrote to Ally advising this was said to me. The people with whom I have spoken continue to tell me that their records show otherwise. In truth, I was TOLD all payments were made. So this, too, is a scam. I have been without the title to my car now for over SEVEN MONTHS. And there is no phone number to reach anyone at corporate.

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 2024-05-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I purchased a motorcycle from a XXXX XXXX dealer. America 1st credit union was the lender used to finance the bike. The policy at XXXX XXXX is that you need to furnish insurance on the bike before you can take delivery of it. After a few months, the contracted payment amount of XXXX a month more than doubled to over XXXX a month. Apparently the type of insurance used wasn't what the credit union wanted so they added a {$3600.00} premium to my loan in the form of force placed insurance. According to the lender I was contacted via traditional mail to notify my. Not a phone call or an email which is how I'm contacted by them for any other reason. I use the same insurance for my other 2 bikes and it's never been an issue. I was able to remove a portion of the force placed insurance. About XXXX of the total amount. The remaining balance of XXXX the refuse to remove because I used the un needed insurance for one month and that is the monthly premium. XXXX for one month of motorcycle insurance. That's more than I pay per month for 6 vehicles. Also my payment is still XXXX and not the contracted account of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Westlake Services, LLC
State: NM

Complaint narrative:
I received a notification on my credit report for an unauthorized car loan with Westlake Services Inc. for {$14000.00}. Opened in XX/XX/XXXX. The account is late and my credit score has dropped XXXX points. I filed an identity theft with the Federal Trade Commission. I have made several attempts to get a response from Westlake service Inc XXXX, XXXX XXXX XXXX XXXX CA XXXX, to provide me information on the loan ato close it and report it as fraud. I have been calling since XX/XX/XXXX. Customer service agents have told me in server al occasions that the account is not in their system and they will put me on hold for long minutes then drop the call. This situation has been very stressful due to the lack of response from Westlake Services in assisting and taking responsibility to provide the documentation and support needed to proceed with my report and investigation of the identity theft. It has also cause a hardship since my credit score has dropped and I am potentially at loosing my borrowing power for future financial plans. I would like to request Westlake Services to respond to my claim as soon as possible.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was applying for a credit card when an accident caused part of my body to unintentionally press the decline offer button while I was reading the terms of the application. There was no secondary prompt asking if I was sure, the offer was completely gone. I tried reapplying and was denied. I called capitol one and they were unable to resolve the issue, even though it was still within the counter offer time. I did not press the button with my finger or intentionally in anyway. Part of my body brushed up against the screen and pressed the button. I am no longer able to apply for the same level of credit card. It is my opinion that there should have been a secondary prompt confirming the selection being made because my credit has been affected negatively by a complete accident. It seems to me that this scenario could happen in many different ways to a large number of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate. I look forward to your reply and address my concerns right away! 

XXXX XXXX XXXX - XXXX and 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 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter warfield is attempting to collect a debt on my credit report that I dont know of. I have never heard of Hunter Warfield and most definitely havent received a legally required notice or any form of communication from this unknown business or company. Hunter warfield has willingly parked a debt on my credit report stating that I owe an apartment community from the federally mandated COVID-19 crisis. I have no knowledge about this alleged debt and have never done business with hunter warfield and I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: WV

Complaint narrative:
Accounts for : XXXX XXXX XXXX and Default Resolution Group.

15 USC 1681b - Permissible Purpose of consumer reports ; 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 instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 

The Family Educational Rights and Privacy Act enacted in 1974 that protects the privacy of student educational records. FERPA applies to any public and private elementary and secondary, post-secondary school. 

20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; Compliance with Judicial orders and subpoenas ; Audit and evaluation of federally supported education programs ; record-keeping. 

PRIVACY ACT OF 1974 ( 5 US CODE 552a ) ; ( b ) Conditions of Disclosure - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

15 USC 1681o - Civil liability for negligent non compliance ; In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting and identity theft perpetrated by XXXX. As per the Fair Credit Reporting Act ( FCRA ), inaccurate reporting of accounts and identity theft are serious violations that require prompt resolution by credit reporting agencies. 

The issue at hand revolves around an account erroneously reported by XXXX in association with CBNA ( Citi Bank/Best Buy ). It is noteworthy that XXXX is the sole credit bureau reporting this account, and not only that, they are also reporting a late payment associated with this account. However, I want to assert unequivocally that I have never had any affiliation or dealings with CBNA. 

Both XXXX and XXXX, after thorough investigations, have acknowledged the erroneous nature of this account and have duly removed it from my credit report. Despite repeated requests and the submission of evidence regarding identity theft to XXXX, they have failed to take appropriate action. Furthermore, Citi Bank/Best Buy has advised me to contact XXXX directly to rectify this issue, yet XXXX has persistently refused to cooperate. 

It is imperative to emphasize that this account does not belong to me and has never been associated with my financial history. Therefore, I demand immediate action from XXXX to remove this inaccurate and fraudulent entry from my credit report in compliance with the FCRA. 

I kindly request your assistance in ensuring that XXXX addresses this matter promptly and takes the necessary steps to rectify their reporting in accordance with the law. 

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

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