vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Bank of America ( BoA ) stating they were working on " my application for the Allegient World MasterCard card '' and needed to verify information on my application. I had not applied for this card and immediately contacted BoA 's Credit Fraud Department to report the fraudulent activity and stop the application process. This company had run a hard inquiry against my credit report and I was told that it would be removed when BoA fraud investigation was complete. As of XXXX XX/XX/XXXX, I had not received any report, and the hard inquiry still reflected on my credit report, so I called to request an update. I was told the fraud was confirmed by BoA, but that I had to contact the credit bureau ( XXXX ) to dispute. I called XXXX Credit Bureau and was told they had nothing from BoA. As of today, XXXX XX/XX/XXXX, the hard inquiry on my credit report that was generated due to a fraudulent credit card application still exists.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried repeatedly with documentary evidence that XXXX unethical predatory practices including credit reporting violates law. TransUnion gets revenue for reporting false information and refuse to to look into the documents support my position that the error on my credit report is wrong. I sent XXXX letter with their company letter head proving the information on my credit is wrong and TransUnion refuses to delete it. I voluntarily gave my son vehicle back the end of XXXX beginning of XX/XX/2016. There tow truck driver used the vehicle for 6 months in my name and made payments. It wasn't until I inquiring about the auction date that for over 1 month XXXX stated I did not return the vehicle. The account close date is not XX/XX/2016 and the balance should be XXXX not XXXX. That keeps increasing while charged off.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sirs, I never asked the company ( Equifax ) to monitor my credit record but no they took control and report my credit. Some time ago they told me that, I had my credit information compromised from their database and sent me information to pay more scrutiny to my record. 

As my credit card company shows below my FICO record is affected because of their laziness and inaccurate system monitoring. Their system downgrade my FICO score because it did not see any home mortgage payment from my account. Because of that the system downgraded my FICO score. In the first place, I did not choose them to be my credit score bookkeeper and they are doing a lousy job. They have not got any record from my mortgage company about my payment default. They will not because I have paid off my mortgage and do not need to pay the monthly payments. Their system is so dumb that it does not detect these changes and still, it faults the helpless consumer. 

First, they compromise security and lost my financial record which I did not ask them to keep secondly they do this gross mistake and am surprised that they are still bullying me to hold and judge my financial activity this is injustice and mafia action. Because I do not believe this company is qualified to do such a service. I have no auto loan or student loan currently but their vague judgment is based on not showing such debts. How much do they know their customers? Below is the reasoning for their credit score downgrading.

Key Factor ( s ) Affecting Your FICOScore : * 1Number of accounts with delinquencyMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICOScores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
* 2Lack of recent installment loan informationFICOScores consider recent non-mortgage installment loan ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave XXXX XXXX XXXXXXXX XXXX a chance to do the right thing. Please delete the account.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave XXXX XXXX XXXXXXXX XXXX a chance to do the right thing. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave XXXX XXXX XXXXXXXX XXXX a chance to do the right thing. Please delete the account.

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 2023-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I submitted a competed reaffirmation form XX/XX/XXXX. I was told I would receive confirmation of my filling within 7 business days. I am beginning a Master 's program on XX/XX/XXXX, which is why this form was needed so that my Financial Aid could be released. Here we are, XX/XX/XXXX, after 4 calls and 4 surgery people including a supervisor, I still have not received the form, which means I'll have to push my start date for school back. I have no books and am in no way ready to begin in 6 days due to this hold up. I was promised the form today and still haven't received it after speaking with 2 additional people. I need help with this issue. This is very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter XX/XX/2021 requesting XXXX to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter XX/XX/2021 requesting XXXX to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
During XX/XX/XXXX, I discovered that I had been a victim of identity theft. One of the accounts opened by the fraudulent person was a USAA SAVINGS BANK Account. I flagged all of my credit accounts with identity theft flags and filed an identity theft report with the Federal Trade Commission. 

I disputed the USAA SAVINGS Bank account on all three credit reports : XXXX, XXXX, and XXXX. Also, I spoke to USAA 's fraud department directly and informed them, I was a victim of identity theft. Further, I have not now nor have I ever been in the military. With my disputes, I submitted both my FTC Identity Theft Report ( attached to this complaint ) and a copy of my police report from the XXXX County Sheriff 's Office ( attached to this complaint ). 

As of today ( XX/XX/XXXX ) USAA has removed the fraudulent account from both XXXX and XXXX. However, USAA denied the removal from XXXX and placed it back on my credit report. I submitted this XXXX dispute on XX/XX/XXXX and their ongoing denial and refusal to remove this account is preventing me from accessing financing I need today. I was told by XXXX 's Fraud Department that there isn't anything more they can do, this is 100 % on USAA Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was told that FHA loan servicing companies had to provide web portal access to view their mortgages. I have been using Rocket Mortgage without any problems for some time however they have recently implemented MFA or multi-factor authentication. This requires a cell phone to authenticate on their website. I cancelled my cell phone and they are refusing to provide me with access to my mortgage information without one. Having a cell phone was not a requirement for a FHA loan so I believe they may be engaging in class warfare against those unable to afford cell phones. Is this new policy that they implemented even legal? I mean they won't even give me the option to authenticate via an email code, it MUST be a cell phone. If this is legal, will they provide me with a cell phone to use so I may authenticate on their website?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have five accounts on my report claiming late payments and I am unaware of where these late payments have come from. Per The Equal Opportunity Opportunity Act, states prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. ''

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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA

Complaint narrative:
I hired Proficio Financial Services of XXXX XXXX to collect a judgment in XXXX of last year with the agreement that they would maintain consistent communication with me. After not hearing from them and they not responding to messages I fired them in XXXX and took action as a XXXX XXXX XXXX. In my work ( XXXX XXXXXXXX XXXX ) I attempted to contact the debtors liability insurance carrier at which time I discovered that Proficio was still trying to collect the debt, had actually collected money from the debtor, and had failed to contact me or send me any of the money collected. 

I contacted Proficio and was told by an employee that they were in fact attempting to collect on the debt and the debtor had made 2 payments. I contacted the owner and was initially told the debtor had blocked their number. When I told him I had evidence that they were still trying to collect on a debt that I had fired them from and I was aware that they had been paid, I was told the debtor had made one payment and that it was my fault that I " lost '' the check. When I emphasized that I was aware of multiple payments the owner told me I was wrong. I told him to stop working on collecting the debt and to send my money. 

I have evidence that 2 payments were made and that the only reason I got any money from Proficio was because they got caught. There is an old adage in the investigative field that says ; If you catch them one time there is most likely 10 times they got away with it. I can not guarantee that they have stopped attempting to collect this debt. I contacted the debtor to let him know not to send any more money to Proficio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I signed up for a XXXX percent promo bonus and followed all rules, expecting a {$500.00} bonus to my account for keeping the new money deposited for the required time. My husband did the same with a different ally account. This was allowed per the rules ( XXXX XXXX XXXX  ) He received his bonus on XX/XX/XXXX. I did not. I chatted and was assured that the rep could see that I had deposited the funds and kept it deposited per the rules and that my bonus would arrive by XX/XX/XXXX. On XX/XX/XXXX no bonus. I contacted ally and was told to contact them the next day. I did, and was told that there were lots of calls about the promo not being fulfilled and to be patient. I asked that it be escalated. I received an email that I received the bonus, I emailed back that my husband received his bonus but I did not. They replied that the reason why I didn't receive a bonus is because my husband and I have the same email. the rules do not require different emails, just that the email used be associated with an ally account, which it is. I expect Ally to fulfill its promise.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXInquired on XXXX XXXX, XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX  CREDIT-Inquired on XX/XX/XXXX XXXX  CREDIT-Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX/XXXX-Inquired on XX/XX/XXXX GXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX CARD-Inquired on XX/XX/XXXX XXXXnquired on XX/XX/XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX AUTO XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX FUNDING-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XX/XX/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