vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX, Equifax and XXXX ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that may have been given. I have also included the reports from all XXXX agencies with inaccuracies and unpermitted inquiries. I have called all XXXX agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XX/XX/XXXX Property Address : XXXX XXXX XXXX, XXXX, AL XXXX Loan Number : Last XXXX : XXXX Reference : CFPB Complaint ID - XXXX, XXXX Copy : XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX Subject XXXX XXXX to XXXX XXXX Dated XX/XX/XXXX. BofA Violated Our Rights By Conducting a Fraudulent Foreclosure Sale XXXX. Contrary to their claim, Countrywide Home Loans never sent us, and as such we never received, any XXXX XXXX. That is why the copies they have sent are unsigned. 

XXXX. We did receive the XXXX XXXX XXXX on or about XX/XX/XXXX. 

XXXX. On XX/XX/XXXX we informed BofA of XXXXXXXX XXXX XXXX in the property that would cost {$15000.00} to remove. 

XXXX. Because the widespread XXXXXXXX XXXX XXXX poses a serious health risk to us, we had no choice but to move out of the property. We asked for loan principal abatement and loan modification, so we can address the huge cost of removing the XXXX XXXX XXXX. We never heard anything back from BofA. ( See attachments ) XXXX. We never received the alleged letter that BofA is claiming they sent on XX/XX/XXXX that we are ineligible for the XXXX XXXX XXXX XXXX. 

XXXX. We never received any letter from BofA that they claim they sent on XX/XX/XXXX that no assistance is possible as the foreclosure sale date was less than 30 days. 

XXXX. We never received any notice or letter from BofA that they are going to hold a foreclosure sale on our property. 

XXXX. We never received any notification from BofA about our right to redeem the property at least 30 days before the foreclosure sale. 

The foreclosure sale BofA they conducted on XX/XX/XXXX was fraudulent. Additional explanations about this fraudulent foreclosure was provided in detail in our CFPB Complaint ID 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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  abd XXXX XXXX XXXX are running a scam I made a security deposit equal to amonn in t if credit they issued so they did not loose any money just attached illegal fees on top of made up amount reporting account as unsecured credit with illegal attached fees when account was credit card issued after security deposit was made on that account also the bank refused payments then assigned to collection agency and started reporting wrong information on credit report. I want XXXX XXXX XXXX XXXX XXXX XXXX information deleted and lvnv finding. Never recieved security deposit back they just assigned fake amount to collection agencies and started to report illegally as collection specifically lvnv funding XXXX. XXXX  credit issued was {$170.00} for {$170.00} security deposit. I want this information removed from my credit report the bank who is filing illegal collection is XXXX XXXX XXXX XXXX XXXX XXXX XXXX or lvnv funding all of them conspired together

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX XXXX  bankruptcy on my credit reports with all three major credit bureaus- XXXX, XXXX, and TransUnion. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I have used Wise for the last 8 years as I spend my time in the US and XXXX. My banks have never changed. Transfers would take literal seconds to happen, and my transfer amounts are typically $ XXXX {$200.00} USD, with one transfer a month being over {$1000.00} to pay for a mortgage I have in XXXX . 

Starting XX/XX/2024 my transfers started taking up to 5 business days to be sent. I immediately reached out to ask why the change, and also if there were issues with the company and if was it in jeopardy. I had bills to pay that week so I was very stressed by this development. I was assigned case # XXXX. 

Their first response : " It usually takes up to 4 working days for your money to reach us. Youll see the debit in your bank account within 2-3 working days of making the transfer. 
Since it can take some time for the money to reach us, make sure you have enough money in your account while you wait for the debit. '' My response : " This did not used to be the case. And it's been taking longer than 4 days. Why did this change? This is not sustainable for me. There have been 0 issues for at least 3 years, and my account hasn't been the issue in as much time. '' Their response : " I just checked your transfer # XXXX can confirm this was set up 3 days ago and the system shows me that the payment will be resumed within 30 minutes after Friday, XX/XX/2024. Transfers sometimes are instant but also sometimes us or our banking partners need to do routine checks and in this case transfers can take more time. So far Wise has no intention of closing, it continues to work normally as of today, if there is any news like that, we will let you know. '' This is not a suitable response to me at all. The transfers continue to take around 4 days and it is screwing up my livelihood. This is not an issue of my account being insufficient so I just want to know why this is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
In XXXX, my XXXX account was put into collections and purchased by XXXX XXXX XXXX. On XX/XX/XXXX, I was given the option to pay the debt in full for half of the owed monies ( proof attached ). Then, in late XXXX, Transworld has put a negative remark on my credit report stating I owe the same amount that was owed to XXXX XXXX XXXX for the same account. 

This has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I applied for a hardship program when i didnt have a job to make sure i dont have any late fees and interest charge to avoid bad credit ( back in XX/XX/XXXX and I still have the notes on my phone to make sure I follow their rules and regulations ). 
The hardship department implemented the monthly required payment on my account to make sure I dont miss any payment so I can still stay on the program. 

Since XXXX, I have been getting calls from collection department because of my account and I ALWAYS call back or answer to make sure everything is okay and they always say, I dont have to worry about anything because I am enrolled XX/XX/XXXX : I got a call again and the person was the first person that went out of their way to call their supervisor to ask for help as to why I have been getting calls In summary : I AM NOT ENROLLED. They just said the person I talked to on XXXX did not finish my enrollment despite that I listened to the disclosure agreement over the phone and the monthly payment THEY set up They said Its probably their button or the system SO NOW. my credit report has late fees since XXXX until now because of itand they said they could not do anything about the interest charge and my credit report even though I did my part enrolling myself and made a pro-active move to avoid this situation. 

Update : I enrolled myself to a better program now however they CAN NOT give me back the interest charge, only the late fees and they can not help me with the credit report dispute DESPITE that it is their fault and they just gained money from me because of their system difficulties I dont know why they can just say oh we apologize but thats literally why I did what I had to do to avoid bad credit reports. I saved the ladys number and extension that helped me figure it out. She told me that they almost transferred me to a third party company due to this even though I consulted with them MONTHLY. 

I got a job and I am making sure I am paying more than what I should and paying way before the due dates. This credit card company needs to stop scamming people due to their system difficulties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was approached by a person online who befriended me with the hidden motive of stealing. 
my funds. He invited me to a Bitcoin options trading website. Our communication afterwards moved through XXXX where they showed me how to make money using their fraudulent platform. All of the funds I wired to XXXX came from WF. Given that I have no previous involvement with cryptocurrency, I expected you to be their for me since I had no way of knowing that I was actually getting scammed. This entire situation resulted in me loosing XXXX USD of my hard-earned funds to these criminals.

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 2024-02-19 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-19 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-19 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by transunion, XXXX and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently pulled my credit and discovered various mistakes on my file. There are previuos addresses that don't belong to me, several accounts that say late paymenst in which I don't agree with and a charged off account and several accounts that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX, I received an email from my friend that she needs help to give {$300.00} XXXX gift card to her sick friend because she, herself is on traveling. I checked her email for just in case, but her email address is correct as usual. So I wanted to help her and bought XXXX XXXX gift card ( $ XXXX ) and send it with pin #. Until that time, I did not know it's scam. 
I tried to call to my friend to make sure, but she didn't answer me. 

I was asked for another {$300.00}. so I recognized it's scam and deleted those emails and changed PW. I reported that scam to the bank. 

It's really horrible that how the scammer use my friend 's exact email address.

Company response to consumer: Closed with explanation