vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America Checking Account NSF Fees ( $ XXXX over 16 Months ) XX/XX/XXXX to XX/XX/XXXX No Written Notification or Courtesy Calls provided Checking Account Type was changed in XX/XX/XXXX without owner approval, requiring {$25000.00} Min balance. 
I am officially Co-Owner on this account dating back to XXXX or so. My mom who passed in XX/XX/XXXX was the Owner. Through estate planning I was official her XXXX XXXX XXXX XXXX XXXX XXXX XXXX dating back to XXXX. 
After her passing, I dispersed to her XXXX sons ( includes me ) all funds as beneficiaries. This account remained open with a balance of {$3600.00} as of XX/XX/XXXX, to satisfy potential reimbursement needs of an overpaid private pension and claw back provisions that followed my moms death. Account remained dormant from use for 16 months. 
BofA was made fully aware of the situation regarding acct owner being deceased, prior to the checking type change and NSF fees.

Attempted to work through BofA for reimbursement of fees when I requested the account be closed. Was informed that they could only reimburse the Original Owner of the account, ( which is my mom and is deceased ), and not me as the Co-Owner with full legal access. 
Looking for guidance on this situation, as it seems highly unreasonable. Asking for the reimbursement of NSF fees in total ( XXXX {$25.00} = {$400.00} ). Would like the complaint filed with the NJ Department of Banking and Insurance as well.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
As provided by law I requested credit freezes at all three credit bureaus. The process with XXXX and XXXX went smoothly. I also created an account at Equifax but have never been able to sign in to my account and complete the process of a credit freeze. Instead, I keep getting a message that says the site is temporarily unable to complete my signing request and to try back later. It has been a week and I am still unable to sign into my account. I have reached out to the company via email, via XXXX XXXX XXXX XXXXXXXX ), and through the customer service phone numbers multiple times. I have provided everything asked of me and jumped through all the hoops including providing photos of myself and my identification, address, SSN #, and phone number over and over again. I have been assured the problem with signing in has been fixed but I am still unable to access my account. I am at my wits end. No one will actually help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: SC

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 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 2024-08-30 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: NJ

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 non-monetary relief
Consumer complaint received 2024-08-30 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: IN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-30 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: SC

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 explanation
Consumer complaint received 2024-08-30 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: SC

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 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-30 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
BAIT AND SWITCH I received an invitation in the mail to open accounts at Citizens Bank and receive bonuses. I went to the local branch and opened the accounts in person XX/XX/year>. I was assured I would receive the bonuses. 
Some time after that, when I returned to make a deposit, I was surprised to discover that I had a preexisting savings account at the bank, which I had forgotten about and which the XXXX who opened the new accounts did not inform me of. This violated the terms of the bonuses. The XXXX who opened the accounts in the first place did not answer my questions as to how he could not have seen the existing account in his system. He said he would ask for a waiver of the requirement that there not already be an account. On a later day I enquired of him by email what the result of the request he said he would make had been, and his answer was nonresponsive to my question. 
BLOCKING OF EXTERNAL TRANSFERS : I was notified by email that external transfers were blocked. XXXX " reasons '' were given. This is them in their entirety : " XXXX. There has been adverse activity reported on your profile. [ No explanation, no source of the putative " report. '' ] XXXX. We have received information [ from where? ] that you may not be the owner of one of the external accounts added to your transfer profile and have taken this action as a security precaution. '' Pure nonsense. ALL my external accounts are years old and in good standing. 
I have accounts at XXXX other financial institutions, and NONE of them have flagged these alleged security issues. My logins continue to work with no problem at them, transfers aren't blocked. 
I have contacted the bank about these matters and they remain unresolved. The latest excuse for blocking external transfers is a problem with my " XXXX  profile. '' I have NEVER USED XXXX WITH ANY BANK. I want to transfer funds to other banks where I have accounts via ACH transfer. 
Citizens bank XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have previously communicated my objections regarding this account, yet GLA Collections has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue XXXX  and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages. 
Halt Collection Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties.

Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands. 
Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. 

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX XXXX has turned over a {$340.00} bill to collection for a place I have never lived nor taken service. I gave the name & contact information for the person who lived there & paid their bills. They refuse to investigate or respond to the dispute. It has taken down my perfect credit score from XXXX to XXXX. I am a XXXX year old XXXX on ss & have paid all my bills before due dates. I will have died by the time this goes off my record! And I need my credit score to be returned & this off my record. XXXX has been XXXX 10 years. My ss is 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
After years of making monthly loan payments of {$1900.00}, an additional charge of {$360.00} was unexpectedly applied to our XX/XX/year> account. Despite contacting the company multiple times and providing documentation showing that nothing has changed on our end, the company continues to charge this additional fee without offering any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-08-30 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 can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2024-08-30 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: FL

Complaint narrative:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Delete Late Payments 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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