vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-04 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: CA

Complaint narrative:
Ref : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have been with BOA for over XXXX years, I was approached by a Banker XXXX XXXX of Bank America, he lives in my building at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and asked me if I want to do a cashout refinance. 
My condo is paid off, comps about XXXX XXXX, so I applied for a loan. My credit score is XXXX, I own several XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gross income amount XXXX XXXX a year. 
I replied to every condition they gave me on time, they have a loan agent that works from XXXX XXXX and covers a BOA office in the XXXX, an assistant in XXXX  that is an XXXX, not sure where the underwriter is. 
When anyone from BOA calls me I call them and they say the calls are being recorded. I have stated to them over the phone and in writing that I live XXXX  days a week in XXXX XXXX and my daughter has lived with me when she was in XXXX  and about XXXX  months ago she got a job in XXXX XXXX. I have a second home at XXXX XXXX XXXX XXXX, where I am there XXXX days a week. 
First they questioned me to why my daughter lives with me in XXXX XXXX, and then why my sons live with me in XXXX XXXX. Even though on recorded voice conversation, were I live between the XXXX place, then they claim that XXXX XXXX is not my principal residence, They claim I own too many properties, they want to get mortgage statements and Notes for every property that I own, bank accounts and retirement accounts which I have over XXXX. 
I was told they couldnt give me a loan, so I asked to talk to the underwriter, first they said no, then I spoke to the underwriter. 
I used to be a mortgage broker, I am more than qualified to get a loan yet I was turned down. 
When I threatened to file a complaint the reason for not giving me a loan changed, and it does not match the letter that I got today. 
I asked them for a copy of the recorded messages and they said I can not get them. 
I am going to pull my account from this bank, it is not enough. I would like to have your office investigate this bank and this transaction to see why they have discriminated against me. 
After I was turned down from BOA, last XXXX, I just got a XXXX XXXX dollar cash out refinance on a commercial building that is worth XXXX XXXX with a XXXX XXXX first, the lender Please let me know what else I can do, besides taking legal action against the bank. 
Sincerely, 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 2024-07-04 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:
The following companies made inquiries to purchase a car that I did not apply for or ever heard of 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 2024-07-05 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: Mercury Financial Intermediate LLC
State: AZ

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
Im a victim of identity theft and someone has opened accounts in my name with very little info and I'm having a hard time getting this stuff removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: IL

Complaint narrative:
I am disputing these wrongfully reported accounts on my credit file and requesting an investigation. As stipulated by the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry.

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 2024-07-04 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: CA

Complaint narrative:
XXXX The claim number listed above give details of the initial complaint. XX/XX/year> was the day this complaint was initiated today is XX/XX/year> surpassing the 30 day allowing the company to gather the appropriate documentation to counter act my claim. I have already give notice to the company the IRS accepted my 1099a so I am warranting XXXX XXXX XXXX XXXX to preform their obligations updating the account and all reporting attached to my accounts. I have not received any information proving the IRS did not accept my documentation and am requesting the following XXXX XXXX  accounts be removed in good standing and all payments stopped until I receive my consumer portion Copy B of the 1099a allowing me to know XXXX XXXX has done their due diligence in correcting this matter. If XXXX XXXX refuses to provide such documentation due to negligence I am requesting the CFPB completes a formal investigation into this matter and ALL payment are stopped and my account is placed in a due not pay due not collected status until XXXX XXXX submits the proper documentation, I am fully aware all companies dealing with Registered security have an obligation to report all tax document with the grace of having it completed with 3 years of the issuance so if XXXX XXXX wants to wait, my account needs to be placed the proper status without negatively affecting my consumer 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 2024-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX The claim number listed above give details of the initial complaint. XX/XX/year> was the day this complaint was initiated today is XX/XX/year> surpassing the 30 day allowing the company to gather the appropriate documentation to counter act my claim. I have already give notice to the company the IRS accepted my 1099a so I am warranting XXXX XXXX XXXX XXXX to preform their obligations updating the account and all reporting attached to my accounts. I have not received any information proving the IRS did not accept my documentation and am requesting the following XXXX XXXX  accounts be removed in good standing and all payments stopped until I receive my consumer portion Copy XXXX  of the 1099a allowing me to know XXXX XXXX has done their due diligence in correcting this matter. If XXXX XXXX refuses to provide such documentation due to negligence I am requesting the CFPB completes a formal investigation into this matter and ALL payment are stopped and my account is placed in a due not pay due not collected status until XXXX XXXX submits the proper documentation, I am fully aware all companies dealing with Registered security have an obligation to report all tax document with the grace of having it completed with 3 years of the issuance so if XXXX XXXX wants to wait, my account needs to be placed the proper status without negatively affecting my consumer 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Why am I still receiving emails from the bureaus claiming Im assisting credit repair companies? This is not trueI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want addressed. 

XXXX : XXXXXXXX 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 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 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 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I filed a complaint with the cfpb to try and get a response from money lion. It was then told to me that the account was closed due to fraud but I could pay it off and it would update and not be listed derogatory or delinquent. I called and paid and the account still shows not paid, balance owed, derogatory and delinquent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly remove these inquiries. I have no knowledge of this, and the company proceeded without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-04 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. The company has acknowledged this error and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 

I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. Specifically, regarding this account 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 2024-07-04 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: TX

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
Consumer complaint received 2024-07-04 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: PA

Complaint narrative:
XXXX XXXXXXXX credit card is reporting # XXXX ..... 

to experian last payment to a credit card in the amount of {$740.00} last payment date to a card not mine on XXXX and reporting to XXXX last payment date to the same card {$740.00} on a completly different date of XXXX and XXXX  delete it off my report completyl and i want this deleted off all my credit reports asap...

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 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint concerns a {$36.00} overdraft fee charged on XX/XX/XXXX. Previously, on XX/XX/XXXX, after experiencing an overdraft, I had explicitly requested that the bank disable the overdraft feature on my account. This was to ensure that any transactions exceeding my account balance would be declined rather than covered with an overdraft fee. Despite this, I was still charged an overdraft fee on XX/XX/XXXX. 

Upon contacting customer service, they confirmed my request to opt-out of the overdraft service and advised me to visit a branch for a fee refund. On XX/XX/XXXX, I went to the branch located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX There, the senior banker initially declined my refund request without reviewing my account details. After I insisted on a review, the senior banker acknowledged my account settings but still refused to issue a refund. Unprofessionally, she suggested that I should close my account if I was unsatisfied with their service.

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 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Was misinformed by retailer that I was getting a points card so I signed up and the following day I realized she wasnt right and it was a credit card so I immediately cancelled it and told them why. I never used it and it was likely only open less than XXXX hours to at least less than XXXX hours. Commedity bank is known for being a scam ( says on XXXX site ) and they tried to call me were rude on the phone and saying it would then go in collections if I didnt pay them right then and there. Now I get mail from XXXX XXXX saying I owe almost {$600.00}. I NEVER USED THIS CARD, I never bought anything or had a monthly fee. Nothing. XXXX knows I closed it as it says in documents on my credit karma with the date. I think Im being seriously scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
From XXXX, I contracted XXXX on XXXX separate occasions and was forced per CDC guidelines to quarantine. In the jobs that I had, I was only compensated for when I was symptomatic ( usually XXXX days ) the other I had to take no pay. I kept a good payment history with my creditors but XXXX thing led to another and I fell behind on basic expenses ( XXXX ; XXXX etc ). I started to fall behind and then found myself caught in a debt trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company 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