vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Some used my info to open a account and used my checking and routing number to fund or pay for thing with out my consent and Bank of America is trying to deny it

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
I've called them in numerous times over the course of the past 3 months to get this settled. I opened a checking account with them. And it's made an opening deposit of {$50.00} which they required. The very next day, they close my account without reason. Cause or explanation, they refused to tell me why they closed it. And they have not returned my money. I've reached out to him and the manager at the call center. Her name 's XXXX, multiple times they always hang up on me. This bank is a scam. And I want my money back. They said i should have received a check in the mail within 30 days of closure and that window was closed on XX/XX/XXXX its now 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 2024-11-04 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: MD

Complaint narrative:
I was alarmed this morning to see unauthorized inquiries on my credit report, and I have no idea why theyre there. I routinely check my credit, but today, discrepancies showed up. Even after refreshing the browser, the unauthorized entries remained. I urgently request that the documents I sent be reviewed thoroughly to prevent this issue from happening again.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-04 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-04 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: AZ

Complaint narrative:
RE : CFPB Complaints # XXXX ( Equifax ) XXXX # XXXX ( XXXX ) and # XXXX ( XXXX ). Each of these credit reporting agencies are now in violation of 15 USC 1681c-2 ( Fair Credit Reporting Act 605 ( b ) ). In accordance with this piece of legislation, these items listed in the report should have been removed within 4 days. This has not happened. An FTC Identity Theft report ( # XXXX ) has been filed documenting the Breach of Trust which clouds all of the transactions noted in the FTC report. The consumer is now pursuing actions in equity ( UCC 1:201 ( b ) 1 ) against all agents of all the consumer credit corporations listed in the report for breach of trust ; UCC 2:103 1 ( j ) " Good Faith ''. Not to mention, the original collateral instrument ( s ) in all of these transactions was sufficient to secure the alleged debt ( s ). None of these corporations have been damaged in the consumer credit transactions in question. i, the consumer have however been harmed and continue to sustain harm, damage, loss and hardship due to the fraudulent reporting of these accounts in question. Each and every one of these accounts are evidence of the crimes of unlawful conversion, unjust enrichment, fraud, coercion, lack of disclosure constituting real damages to i, the consumer. Each of these alleged 'contracts ' are herein rescinded due to lack of consideration as i, the consumer no longer view Federal Reserve Notes as consideration. Ergo, the contracts are not legally binding. 

Further, a criminal complaint will be pursued with the Department of Justice against the credit reporting agencies for failure to comply with FCRA 605 ( b ) " blocking '' fraudulent information on the consumer 's XXXX  credit reports within the 4 days allotted for the removal of said items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: PA

Complaint narrative:
My account with US DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX 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 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 21 days before the payment due date.

US DEPT OF EDXXXX 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 2024-11-04 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: CO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-04 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: MD

Complaint narrative:
I am extremely disappointed to see inaccurate late payment remarks on my accounts, despite having never missed a payment. I kindly request that you review the documents Ive provided, which clearly confirm my timely payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: MD

Complaint narrative:
I was stunned to discover inaccurate accounts on my credit report this morning. I check it regularly, but this time, unexpected errors appeared out of nowhere. I even refreshed my browser, hoping it might be a glitch, but the mistakes remained. I am requesting that the documents I've submitted be carefully reviewed so I can finally put this stress to rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: PA

Complaint narrative:
Experian has false pre approval in which credit was denied

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 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XX/XX/31, I was contacted by someone impersonating XXXX regarding suspicious activity on my account. The caller ID showed up as XXXX. They said XXXX XXXX had been purchased and that in order to refund my money, I needed to verify refund codes they provided me in XXXX. I verified the numbers in XXXX, but tried to tell them that it looked like payments had been taken out instead of refunds, and they continued to tell me that since TD Bank was a partner bank, this was how it was done. Four transactions in the amount of approximately {$120.00}, {$1000.00}, {$900.00} and {$1000.00} ultimately were taken. When I got off the phone with them, I immediately called TD Bank and went into the local branch right away. The TD Bank representative only called customer service but didn't do anything else. So I also called TD Bank Fraud department, and that agent put my account on hold, said that only the first 2 of the 4 transactions went through and that since he froze my account that the latter 2 transactions would not go through. This Fraud agent also opened an investigation for the first 2 transactions, and said that I needed to open a new account and this current frozen account would close in 30 days. He also said I needed to wipe my XXXX  clean in case of viruses/malware, which I did. The next dayXXXX XXXX, XXXX, I went back into TD Bank where the XXXX XXXX opened a new account for me. On Saturday, XXXX I filed a report with FTC. On Sunday, XXXX, I went in to TD Bank again because I was unable to have online access to the new account, and to confirm that the latter 2 fraudulent transactions had not been processed. But the branch representative told me the transactions did indeed show up on my statement and that I needed to open a dispute with the Fraud department. So I called TD Bank Fraud ( because again, the local branch representative said he couldn't help me ) and opened a dispute. The Fraud agent looked into my account and saw that there was a dispute for the first 2 transactions and that this first dispute had been denied. This was strange since it was the weekend and only 2 days later, how did anyone get an investigation done that quickly? First thing on XXXX  XXXX, I filed a police report with my local police department, tried contacting XXXX but they redirected me to TD Bank saying that they were a partner bank and therefore process information differently and since XXXX is instant, there's likely nothing that can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

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 2024-11-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: ME

Complaint narrative:
Credit collection services services listed a collection on my credit report stating they are collecting for XXXX over three months ago stating they open the account and just put it on my credit report no verification of debt I requested it. They refused to supply it threatened my safety and Im gon na let you know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they decided to threaten friends and family however, I do not owe any debt. I canceled XXXX  switched to a cheaper insurance policy with another company. They refused to verify me the credit reporting agencies dont want to do XXXX and they want to sit there and make threats to me. they are required by law under the fair credit reporting act and the third debt collecting practices to notify of debt 30 days prior to listing on a credit report instead, they listed it on my report stated it was open three months ago thats 90 days if not longer, they refuse to verify and throw it on my credit report I consider that a personal attack as well as a violation of my civil and consumer rights. If the account is not removed from my report due to the fact, I canceled XXXX and apparently they decided to keep trying to charge me when I switch XXXX providers. I will XXXX sue them back iXXXX XXXX XXXX. They came out of and see to it. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: IN

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-11-04 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been a customer in good standing for several years with Lowes/Synchrony . During the holidays I was late on a payment for the Lowes/Synchrony store card. I asked for a late fee waiver. I was denied. I stated I would cancel the card if I was going to have to pay a late fee. I paid the next two statements to make sure all items from Lowes were paid for. I refused to pay the late fee. After all items were paid, I cancelled the card. After cancellation I continued to get statements. Each one had another late fee and interest. I contacted XXXX XXXX XXXX and attempted to reach a compromise. The only compromise they were willing to accept is full payment of late fees and interest. 
My credit score has gone from XXXX to XXXX. I was told by Synchrony regardless of if I paid all fees that my credit score would remain at XXXX till XXXX. 
I paid for everything I bought. The late fees are inappropriate after I cancelled the card. I reached out to them in good faith to reach a compromise. They ignored me in attempting to settle under any less than their terms. 
I would like my credit score back to where it was before this happened.

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