vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: DC

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: 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 non-monetary relief
Consumer complaint received 2024-10-08 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:
Hello, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting TransUnion and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.

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 2024-10-09 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and several collections account opened at XXXX on XX/XX/XXXX with a balance of $ ( {$4800.00} ), Spring on XX/XX/XXXX with a balance of ( {$3300.00} ), XXXX  XXXX XXXX XXXX  on XX/XX/XXXX with a balance of ( {$1200.00} ), XXXX XXXX XXXX, XXXX XXXX XXXX of ( {$3300.00} ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Fraudulent Inquires XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OF 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 2024-10-08 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: Velocity Portfolio Group
State: CA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear CKS PRIME INVESTMENTS, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that CKS PRIME INVESTMENTS has engaged in unauthorized reporting to my credit report, violating both federal law and the XXXX Identity Theft Statute under Section 530.5 of the XXXX Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, XXXX Civil Code Section 1785.25, part of the XXXX Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to XXXXKS PRIME INVESTMENTS to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that CKS PRIME INVESTMENTS immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting CKS PRIME INVESTMENTS to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.

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 2024-10-08 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: FL

Complaint narrative:
REMOVE THIS FRAUDULENT HARD INQUIRIES ON MY CREDIT REPORT IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX first I arrived in XXXX XXXX. 
I got taxi to take me 1/2 mail away. 
XXXX quoted me {$5.00} for ride. 
Upon getting off the taxi I hand him {$5.00} cash he explain he will not get cash and I can use credit card. 
I hand him my Credit card he run it on the card reader and hand me the card back. He took off quickly, without give me any Paper print, neither ask my signature ( on the card readers screen ( and he drop me in wrong location ) I get suspicious call Bank Of of America in US. Ask about the most recent charged they informed me I have been charged {$5400.00}. I told operator some one just scammed me 5 minutes ago, The operator told me I should dispute the charge when I get my bank statement. I am dispatching the charge with BOA twice and they dined my request base on I dont have {$5.00} proof of purchase from taxi drivers!!!?? 
I spend hours with 6 different operators in BOA, the dispute department supervisor with no result. What I can now?

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 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a loan agreement with NetCredit, where I was required to make bi-weekly payments of {$110.00} at an annual percentage rate ( APR ) of 98.66 %. To date, I have made 46 bi-weekly payments totaling {$5100.00}. This amount significantly exceeds the original loan principal of {$2700.00}. However, despite these payments, the payoff amount still stands at {$2400.00}. 

I believe the terms of this loan are unmanageable and unfair due to the excessive interest rates and fees imposed. Despite paying more than the original loan principal, the balance remains disproportionately high, making it nearly impossible to meet the ongoing payment schedule. This raises concerns underXX/XX/XXXXUsury Laws, which cap interest rates at 18 % for loans under {$500000.00}, with anything above 25 % being classified as criminal usury. The 98.66 % APR charged on this loan far exceeds these legal limits. Similarly, XX/XX/XXXXUsury Laws, where XXXXXX/XX/XXXX XXXX XXXX ( XXXX partner ) is headquartered, limit interest rates to 8 %, and any agreement charging more than 25 % APR is considered criminal usury. The 98.66 % APR on this loan also exceeds XXXX legal limits. 

I believe this loan falls under predatory lending practices designed to trap borrowers in a cycle of debt with unmanageable terms. These practices mirror other legal cases, such as Fleming v. U.S. Auto Credit Corp., where similar interest rates violated state usury laws, and State of Colorado v. CashCall , Inc., where a lender structured its business to bypass state usury laws by partnering with out-of-state banks, leading to predatory lending charges. 

I have asked NetCredit to void and close my loan account, but they have refused, stating a past due balance of {$1200.00} despite the fact that I have already paid more than the loan principal. I am concerned that NetCredits business model is designed to bypass state usury laws through its partnership with XXXXXX/XX/XXXXXXXX XXXX and is engaging in practices that exploit consumers with excessive interest rates and fees. 

I am requesting an investigation into NetCredits practices for possible violations of state usury laws and predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a complaint that my card was used fraudulent on XX/XX/year> from XX/XX/year> all the way till XX/XX/year> In The amount of {$780.00}. They said no error was occurred but it really was fraud.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Closure : The account was officially transferred and closed as of XX/XX/XXXX, and any subsequent late payments reported after that date should not have been reflected in my credit report. The delay in processing during the transfer led to an incorrect 120-day late report, which is not an accurate representation of my payment history. 
Payment History : Prior to the transfer, I consistently made all payments on time, as is evident in the payment history up until XX/XX/XXXX. Any discrepancies reported after that date were a result of administrative issues during the account transition, not a reflection of my payment habits. 
System Error in Reporting : Although I filed a dispute regarding this issue, the account was marked as resolved, but the late payment entries remain on my credit report with TransUnion. This is a clear indication of an unresolved issue in the reporting process that needs further review. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Closure : The account was officially transferred and closed as of XX/XX/XXXX, and any subsequent late payments reported after that date should not have been reflected in my credit report. The delay in processing during the transfer led to an incorrect 120-day late report, which is not an accurate representation of my payment history. 
Payment History : Prior to the transfer, I consistently made all payments on time, as is evident in the payment history up until XX/XX/XXXX. Any discrepancies reported after that date were a result of administrative issues during the account transition, not a reflection of my payment habits. 
System Error in Reporting : Although I filed a dispute regarding this issue, the account was marked as resolved, but the late payment entries remain on my credit report with TransUnion. This is a clear indication of an unresolved issue in the reporting process that needs further review. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, 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 2024-10-09 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: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX  days 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! 
15 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 XXXX  days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: NY

Complaint narrative:
I made a purchase on my bank of america credit card with a bank of america cash back deal with XXXX that offers XXXX % cash back for any purchase from XX/XX/XXXX to XX/XX/XXXX. I made the purchase on XX/XX/XXXX but never received my cash back. I chatted with multiple agents and they all confirmed I qualify for the offer and the cash back rewards will be posted in a few business days. But many days has passed and I still didn't any cash back for this deal.

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 2024-10-09 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: IL

Complaint narrative:
I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: AL

Complaint narrative:
On XX/XX/year> I received an alert about a collection account has been added to my credit report. with XXXX from ZIONS DEBT HOLDINGS XXXX XXXX XXXX XXXX XXXX, UT XXXX, for the amount of {$2700.00}. I disputed with XXXX because this is not my debt and I do not know what this is and have never been notified about any debt from this company. The results came back XX/XX/year> that it was verified that the debt was mine. I do not see how can this be and XXXX did not provide me with how this debt was verified as accurate. I have saw many lawsuits against this company for the practices and methods they use.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation