vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: CA

Complaint narrative:
Ive notice 6 inquiries on my consumer report which are these companies and the dates. XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, I want to bring to your attention that, according to the FCRA, entities requesting my credit report must certify a legitimate business reason or permissible purpose. I am requesting verification of this certification from the entity that requested my report in connection with the disputed information. If Experian or the entity can not provide evidence of this certification, it raises concerns about the legitimacy of the permissible purpose and potential violations of my privacy rights. As a consumer it is the grave responsibility of the consumer reporting agency to respect my right of privacy and furnishing my consumer report to an entity that did not provide any certification or documentation demonstrating a legitimate permissible purpose then Experian has furnished my consumer report to an unauthorized user under the FCRA it is the consumer reporting agency duty to follow reasonable procedures to assure maximum possible accuracy. If neither creditor or credit reporting agency provide any documentary evidence please delete all inquiries IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TX

Complaint narrative:
I paid off all of my debts in XXXX of this year. During the summer, I started receiving multiple calls everyday from Allied Interstate, even after I blocked several of the numbers they called from. I asked them to verify the debt amount and source to no avail. I told them I have no debts on my credit report ( other than federal student loans which are currently in deferment ). The information was still refused. They also keep referring to me by my maiden name which has not matched my SSN or DL for two years now. I have no idea why they are calling and would like them to stop.

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 2023-11-29 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Im trying to get these inquires removed off my credit because I didnt have no knowledge nor did I authorize these. 
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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had a checking account with online banking at BofA. At some point several years ago I established an automated transfer of {$320.00} once a month to a checking account at another financial institution. At some point, I don't know when but I suspect probably during a system conversion or a new online banking app conversion or maybe a product conversion the automated transfer was not viewable in online banking where external transfers are managed. The transfer continued to occur every month and after several attempts at researching at BofA and the receiving financial institution, I could not get the transfer turned off. I spent several hours in different phone conversations. It was always very difficult to get connected with someone appropriate to talk to at BofA. I decided to close the account. After the account was closed, the transfer is still happening each month. {$320.00} leaves my current financial institution checking account and because the account that previously received it is closed, the {$320.00} transaction is rejected and the {$320.00} is returned to my account. IT IS NOT BEING INITIATED BY MY CURRENT FI, it is being initiated by an ACH transaction from BofA. I have since spent a couple of more hours trying to resolve the issue with BofA, including a social media complaint and a phone call that took at least 40 minutes. I feel my only solution now is probably to close my account at my existing FI also but I really don't feel I should have to do that. I can't afford more hours trying to find someone at BofA to fix this though.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX and XXXX continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is reporting the account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} XXXX XXXX is reporting as if they wrote off {$1300.00} when they only wrote off {$800.00} XXXX is reporting they wrote off over {$4000.00} when they only wrote off XXXX XXXX XXXX XXXX is reporting they wrote off {$3300.00} when they only wrong off under {$1700.00} XXXXXXXX XXXX is reporting they wrote off {$4400.00} when they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.

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 2023-11-29 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: ND

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 u.s.c 1681.. 
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 ... ... ... 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 an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: ND

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 u.s.c 1681.. 
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 ... ... ... 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 an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: AZ

Complaint narrative:
On XX/XX/2023, I noticed three unauthorized charges on my Bank of America credit card : {$190.00}, {$190.00}, and {$50.00}, all associated with a XXXX XXXX in XXXX, NC. I have never been to North Carolina and did not authorize these transactions. I reported all three charges as fraudulent online and received immediate credit. 

However, on XX/XX/2023, I received a letter from Bank of America stating, " The merchant provided documentation confirming you received the merchandise or service, '' and subsequently, I was re-charged {$190.00} as an adjustment.

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 2023-11-29 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: TX

Complaint narrative:
I have never had an account with 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
My now deceased husband passed last XXXX XXXX I have been trying to get a hardship package done because my income reduced after the passing of my husband XXXX XXXX he has a Va loan I keep doing hardship packages from freedom mortgage and I keep getting the unprofessional discrimination treatment from them I have done about XXXX to XXXX applications for hardship and still nothing now they are disconnecting the calls claiming that they cant hear me XXXX XXXX I talk to someone who goes by the name of XXXX who supposedly to be my single point of contact Id : XXXX at freedom mortgage I am XXXX almost XXXX months behind on my mortgage and they said that I was sent a breach letter that I never received from freedom mortgage I have been discriminated against my distressed hardship my age and I am a 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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX I noticed there were XXXX charges on our checking account that I had not done. They were done on days when I was in Colorado and done during times my husband was at work or had just gotten home from work. He works in XXXX, CA which is XXXX miles away from where the transactions were done. All of the transactions were done with his card. 
XX/XX/2023 {$82.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$100.00} XXXX XXXX ; XXXXXXXX XXXX, CA After Citibank denied our first REG E claim, while I was on the phone with their customer service I found XXXX more fraud transactions. I found them on XXXX XXXX. These XXXX transactions were also done on my husbands card. He was at work when those transactions went through also. 
XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XXXX {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$64.00} XXXX XXXX XXXX, CA I have my husband 's time cards to prove he was at work during XXXX of the XXXX transactions and I was out of state. Citibank is claiming that because his card number was used and his pin number that it must be us. I believe they have forgotten that thieves use card readers to steal that info and make their own cards. I would just like the money returned to by bank 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 monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My account was charged twice of {$670.00} for paying a new telephone at XXXX XXXX. Bank of America deducted twice XXXX. I got credit for one charge the second one I havent got credit for it its in dispute. 
XXXX XXXX XXXX did not want to take a payment from Bank of America requested a different method of payment so I used my chase debit card to pay the XXXX and Im asking Bank of America to give me back my second XXXX with the charge. I submitted all the documentation the statement from a manager of the branch helped me. She looked at my paper she looked. Everything was correct. They still dont wan na solve the dispute. This is been going on since month of And one of the clerk when I was working what she thought because Im XXXX Im hallucinating I should go and ask somebody to help me with my record with my bookkeeping. I know Im XXXX but I still have mind Im not crazy. The branch are very good is just XXXX number or whatever they are headquarter. I filed a complaint no luck XXXX {$670.00} its a lot for a XXXX senior citizen to lose they playing game with me they dont wan na give me my money. Im so disappointed although Im XXXX I still know bookkeeping and I know how to balance my checkbook. Please help me to solve this problem, I have nobody else to go to.

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 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I paid them {$6800.00}, they took the money out didnt pay the principal not the the fees, they took the {$2000.00} aside just missing, and they charged me 230 % apr in 1 year, they took 460 % apr within 1.75 years, they deleted my website history payments, I worked when was the lockdown and made every signle paymnet, and recently I found they stole some money out and only put 14 % toward the princial, this is in their balance sheet I had to get through the judge, and the balance sheet number don't add up, it's a hand typed, the calculations dose n't add up, start ending balance shows XXXX, if you calculade XXXXXXXX XXXX is missing out out of my payment, I paid {$6800.00}, they only put 14 % toward the principal within 1.75 year, like 8-9 %, they forged this sheed asking me I have to pay XXXX XXXX, yearly intrest of 230 %, and so on, but they are taking the money out and didn't put more than 10 % towards the princial, they are soo rude they have this delivered to the judge it's a forgery document ( hand put together ), and 230 % apr and 9 % towards my princial its ilegal, florida statues XXXX XXXX for 18 % max not 230 % apr and money stolen out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank, on XX/XX/XXXX I received the email from the bank, telling me that my accounts ( Personal and Business Account XXXX XXXX XXXX ) will be closed. I receive the refund of the remaining balance of the personal account in a couple of weeks. 
However, regarding the Business account, I begin to call every XXXX weeks asking about the refund of the remaining balance, that was {$69000.00} USD. They kept me telling me that the case was under investigation, I wrote an email to the CEO of Capital One bank on XX/XX/XXXX, complaining about the situation, and on XX/XX/XXXX calling again to the CASE RESOLUTION TEAM PHONE XXXX, told me that they tried to the send back the funds to the bank where the funds was sent originally, on XX/XX/XXXX. In addition they told me that some process should be done by the origin bank, and they did not execute that process. And Capital One Bank decided to give my money to the " State ''. 
There were no comunication from the bank at all during all this time, informing me that the fund was sent back or any status of the funds. The only information that I got during thius time, it was just phone calls that should be recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2023-11-29 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief