vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please use this letter as an explanation of what Bank of America is reporting as a late payment flag on my Cash Rewards Visa Credit Card. 
On XX/XX/2024, I transferred my {$130.00} cash back rewards to my credit card to apply toward my XXXX bill. This transfer was categorized as Payments and Other Credits,. On XX/XX/2024, I made a payment of {$210.00}, which was a few days late ; my due date was XX/XX/XXXX. Bank of America has confirmed they do not impose penalties until a payment is 30 days late, a threshold I did not reach. 
After multiple conversations with Bank of America representatives via phone, it was confirmed that the late payment in XXXX should not have triggered a flag. However, I was informed that cash back rewards do not count as an official payment, despite the system allowing the transfer. I was advised that I could have moved the funds from my cash back rewards to my checking account and then made a payment to avoid the flag, which seems unnecessary given that I used the rewards directly. 
On XX/XX/2024 I visited the Bank of America branch on XXXX XXXX in XXXX XXXX XXXX and spoke with XXXX XXXX and her manager, who confirmed that cash back rewards can indeed be applied to credit card balances. They assured me that this is a common practice. We filed another complaint to resolve the issue, and a representative promised to fax a statement confirming the resolution. However, after two days and multiple calls, I have yet to receive that fax. 
On a subsequent visit to the XXXX XXXX branch on XX/XX/2024, I spoke with XXXX XXXX from the XXXX XXXX, who acknowledged the unfairness of the situation but indicated that they would not change their stance, even though they had received the full payment from me and I owe nothing to bank of America. 
I am happy to seek legal action and have already started the process. Looking forward to more conversations and this being resolved timely.

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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S
State: NV

Complaint narrative:
I buy houses/ own in California, rent / rent rooms to several independently people. I reside in Las Vegas and I became aware of a Notice of Data Breach. I followed up to check my credit and found several credit cards in my name and at one point being paid, late, and now in collections. I disputed the claims and requested the credit agencies in Accordance to the FDCPA pursuant to 15 USC 1692g for proof of debt from credit cards. The company only provided me with late last 6 months of Credit Statements ( I dont recognize ) and nothing more. I requested to provide the Original Contract with date, address, interest, and bearing my signature. They have failed to provide the Original Credit Card CXXXX.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a XXXX  was filed and subsequently XXXX. On XX/XX/XXXX, I sent a formal dispute letter to Equifax regarding incorrect reporting of this XXXX. As of XX/XX/XXXX ( 64+ days later ), Equifax has failed to respond or investigate as required by FCRA XXXX 

Key violations : 1. No response within mandatory 30-day investigation period 2. Continued reporting of disputed information without verification 3. Failure to conduct reasonable investigation 4. Violation of FCRA sections 15 USC 1681i and 1681c-2 Supporting facts : - Court letter confirms they do not report to credit bureaus - Dispute sent via certified mail on XX/XX/XXXX - No investigation results received - No correction made to report - No communication received from Equifax, XXXX and XXXX - Credit report still shows incorrect information This ongoing failure to investigate and correct has negatively impacted my credit profile and violates multiple FCRA requirements for proper dispute handling and investigation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-22 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: MS

Complaint narrative:
My personal information was exposed in a data breach.

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 2024-12-21 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: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed XXXX XXXX  XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed -v.n XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry 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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing in response to my previous complaint regarding the need to remove me as an authorized user from Capital One Bank Card account ending in XXXX. My recent complaint was filed on XX/XX/year> through the CFPB and still no response has been made by Capital One Bank. I was incorrectly assigned to the Capital One Bank Card ending in XXXX. 

This ordeal has caused hardship for me moving forward. I have disputed this issue several times with the credit bureaus and nothing has been done. This is fraudulent and I want it addressed asap. I can no longer give Capital One Bank a longer time to clear this matter up ; I need the CFPB to push this process forward since my rights have been violated. 

Please confirm once this has been completed and advise if any further action is needed on my part. 

Attached is my last dispute I submitted through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is for a XXXX store card. Due to 60 days past due from me being hospitalized, due to a neck injury XXXX restricted my card. My mom sent payments in manually to the mailing address for XXXX I have never been late prior to my neck injury in XXXX XXXX I had an exceptional payment history. I ask XXXX  as goodwill to reverse the 60 late reporting and they refused even though i had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 60 days late reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
On XX/XX/year> I submitted a letter WITH all identifying information to prove who I was and cited errors on my credit reports but way of employment info, hard inquiries and a collection from a company that NEVER supplied the original information showing I owed them instead of the so called original creditor. They sent a letter on XX/XX/year> saying the identifying information was illegible when I have sent the same information- same size font and all on purpose to prove their XXXX  behavior. And indeed- they stalled saying they couldnt read what I sent! This egregious behavior is uncalled for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit.

Items that need attention :

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 2024-12-21 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:
I didnt authorize this companies to run my credit removal this soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-21 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: TX

Complaint narrative:
I didnt authorize this companies to run my credit removal this soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent. 

XXXX, XXXX, XXXX XXXX  fraud began:XXXX Account Number : XXXX, Total fraudulent amount, {$17000.00} XXXX XXXX XXXX XXXX : fraud began XX/XX/year> Total fraudulent amount {$4100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX fraudulent amount : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$590.00} Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent. 

XXXX, XXXX, XXXX XXXX fraud XXXX Account Number : XXXX, Total fraudulent amount, {$17000.00} XXXX XXXX XXXX XXXX : fraud began XX/XX/year> Total fraudulent amount {$4100.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Account Number XXXX fraudulent amount : {$5900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX amount {$590.00} Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
We incurred damage from hurricane helene on XX/XX/XXXX. 

Our insurance XXXX came out and we were issued checks on XX/XX/XXXX in the amount of {$XXXX} and a second check on XX/XX/XXXX in the amount of {$XXXX}. These checks also included our mortgage company on them as payess along with ourselves. We contacted the mortgage company and they instructed us to simply send them overnight and they would endorse and send back. We scheduled roof repair people with this expectation. After XXXX weeks they returned them unsigned informing us thaty we had to endorse them and send back to them, forcing us to cancerl our repairs. They stasted they would now ber involved with every step and would keep the funds in escrow. 

Since then we hasve provided all they have asked and have yet to get any of the funds returned. We have even had to pay for the XXXX replacement out of pocket. XXXX we contact them they state they have what they need and it will be XXXX business days. We have been in communication with them for XXXX weeks staight now and were told the same thing as late as XX/XX/XXXX. Still we have not seen any of the funds and suspect they are simply prolonging the process to earn interest off of it. We have a whole in our roof and winter is setting in and it now looks like it will be XXXX earliest will be able to get repairs. 

On XX/XX/XXXX we spoke to a XXXX XXXX ( XXXX ). He apologized for the tardiness of the responses and stasted that he was going to get the full money funded to us since it barely met the criteria they usue to handle cases in such a manner. I resent him the XXXX proposals as requested ( replying to his email ) on XX/XX/XXXX only to have the emasil returned as no longer a valid email inbox. 

On XX/XX/XXXX I then called to speak to a XXXX XXXX ( XXXX ). She asked me to send the same documents that had been submitted to her and she would get with a XXXX and have them call me to finalize the situation. I have yet to receive a call back. 

On XX/XX/XXXX I called again only to reach another new person whom I had to stasrt the whole process over again. 

The mortgage company NewRez and/or the group that handles their loss draft claims XXXX XXXX XXXX not assign our claim to an individual or XXXX with a phone number to manage and instead seem to just give us the run around to not disburse our funds the inurance company provided for XXXX  months with no repairs executed.

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