vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> a service fee of {$16.00} dollars was charged on XXXX checking accounts. A total of {$80.00}. 

When opening the accounts, I read the Business Schedule of Fees ( Please See attached ). This document shows that the fee will be waived if I " maintain a {$5000.00} combined average monthly balance '' I understood this very clearly, that I must maintain {$5000.00} between my Bank of America business accounts. 

XX/XX/year> I called in the first lady I spoke with stated that this is only for linked accounts. I asked if she could show me where it stated this in any documentation, and she could not produce any clarification or documents that states this. I asked to speak with a super visor and was put on hold for over XXXX minutes. The lady came back on the phone and instead of transferring me, started processing a refund for the fees. At this point I was frustrated and started recording the call. 

I was finally transferred to the supervisor. She reviewed fees and refunded fee 's but could not guarantee that I would not be charged moving forward. ( Audio recording is to large of file to attach ) The last XXXX minutes she states that she did not have any documents that would clarify what " Combined '' means.

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 2024-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: OH

Complaint narrative:
XXXX XXXX a XXXX XXXX XXXX XXXX completed a home appraisal for Mutual of Omaha to refinance my current home loan. The appraisal amount came in very low compared to the previous appraisal and online worth. When I looked through the report there were several errors on it. I asked my lender and was told to write up a list of the errors to validate that the low amount is inaccurate. And the lender also stated " this guy really screwed up '' He also stated the XXXX " did not do a good job '' After I provided to list of errors I was then told to call a local realtor and pretend I was interested in selling my home in order to get a market value analysis completed so they could use that for a reconsideration of value. I never received a correct appraisal form. Here is a list of things that was inaccurate. Also the homes he compared to had a lot less acreage. We have XXXX acres and the comp homes had XXXX, XXXX, and XXXX. Also the XXXX put we have XXXX acres. He also put we have XXXX bedrooms and we have XXXX. He said we have XXXX gravel driveway with no carports. We have XXXX main concrete driveway ( which is the one he used ) with XXXX gravel carports, and a XXXX driveway on the other side of the yard that is gravel. He stated we only had a concrete slab as a back porch with no front porch. Our front porch is concrete and its covered. Its in the pictures he took. He did not check mark the boxes that says we have microwave, washer, and dryer and we have all three. He only marked refrigerator and dishwasher. XXXXhe bedroom he listed in the unfinished basement is actually upstairs. The family room he listed upstairs is in basement. He put our upstairs bathtub doesnt work when he never asked or turned it on. It works fine. We have a sunroom the last XXXX ( in 2022 ) listed it as a den, its not even included/pictured in this new appraisal. He didn't include our half acre pond at all. It hasnt rained so the water level is low and the lender mentioned the pond he said it was just a " frog pond '' Its a half acre in size so should add to property value. The definition of a pond is " a small body of still water formed naturally or by hollowing or embanking '' I don't believe it is my job to research comparable properties for them to comp. The ones listed have way less land with it so their value is of course going to be lower than ours. I don't believe Mutual of Omaha or XXXX XXXX works with their consumers best interest. XXXX XXXX of Mutual of Omaha is the lender I was working with that stated our XXXX " did not do a good job '' and " really screwed up '' But no one is fixing the issues. So now we are out {$540.00} for the appraisal and such a low amount we can not move forward with the refinance we were using to debt consolidate and a new roof.

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

Complaint narrative:
I am writing to you for the third and final time regarding the inaccurate late payment entry on my credit report associated with XXXX XXXX XXXX, account number XXXX. Despite my previous disputes, the late payment remains on my credit report without proper validation. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. Specifically, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: PA

Complaint narrative:
I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.

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 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against The Moore Law Group, who is acting as a debt collector on behalf of XXXXXX/XX/XXXX I am experiencing significant financial hardship due to my current XXXX and am solely reliant on unemployment benefits from the XXXX XXXX Department ( XXXX ). 

On XX/XX/2023, I contacted The Moore Law Group to discuss a potential settlement for my debt with XXXX XX/XX/XXXX Following their instructions, on XX/XX/2023, I sent an email detailing my situation and providing documentation of my XXXX and unemployment benefits. Despite my numerous follow-up attempts, including multiple voice messages, The Moore Law Group has not provided a clear response. 

In my email, I explained that I am currently unemployed and facing severe financial difficulties due to my XXXX and recent hospitalizations. I outlined my debts, including judgments from XXXX XXXX and an impending judgment from XXXX XXXX, totaling over {$40000.00}. Despite these challenges, I am committed to avoiding bankruptcy and proposed a lump-sum settlement of {$4600.00} for my debt with XXXXXX/XX/XXXX XXXX This offer is consistent with the settlements I am negotiating with other creditors. Resolving this debt is crucial for my financial and mental health, and I am prepared to make this payment promptly if accepted. 

When I finally reached The Moore Law Group by phone, I inquired about the status of my settlement request and was told that it was denied. However, when I asked if the denial came from XXXXXX/XX/XXXX, who owns the debt, I did not receive a clear yes or no answer. Instead, I was given vague responses such as " the offer I made is not good. '' The objective of sending documentation and explaining my hardship was to have XXXX XX/XX/XXXXreview it and decide as the owner of the debt. 

Despite providing the requested documentation and a detailed explanation of my situation, The Moore Law Group 's lack of clear communication has caused significant stress and hindered my ability to resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX This company is on my Equifax credit report. They indicate that I owe XXXX dollars. I have never done business with them. We have not had XXXX XXXX in over 20 years. This place is a scam. I tried multiple XXXX plus times to contact them. I only got a busy signal. I am going through the motions of disputing it, to remove it from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: MD

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

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 2024-08-08 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: EQUIFAX, INC.
State: NJ

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

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 non-monetary relief
Consumer complaint received 2024-08-08 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: WI

Complaint narrative:
I have disputed several accounts on my TransUnion credit report that I believe are inaccurate or not mine. Despite submitting these disputes according to the Fair Credit Reporting Act ( FCRA ) guidelines, I have not received any response from TransUnion, nor have I seen any changes or updates to my credit report. This lack of communication and failure to investigate or correct these issues is a violation of my rights under the FCRA. The continued presence of these inaccurate accounts is unjustly affecting my credit score and financial 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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has added wrong information on my credit report as of XX/XX/year>.

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

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting if any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have a right to privacy. 

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-08-08 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: VA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Hard Inquiry disputes I dispute the following hard inquiries on my credit report under the Fair Credit Reporting Act ( FCA ), Section 611 [ 15 U.S.C. 1681 ], unverified entries must be removed. Please investigate and remove any unverifiable inquiries. 

Inquiry : XXXX, XXXX, XXXX  Institution Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Oregon XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX, XXXX XXXX Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ( XXXX ) XXXX Inquiry : XXXX, XXXX, XXXX Institution Information : XXXX CAPITAL ONE XXXX CAPITAL ONE XXXXXXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry : XXXX, XXXXXXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
I used Square ( Block Inc ) as a processing company for my clients. A client paid me {$150.00} 2 weeks ago and they still have the {$140.00} holding as a transfer in my account but they wont transfer to my bank.

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

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief