vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!

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

Complaint narrative:
Hello, In XX/XX/XXXX, I applied for a personal loan and was notified by the lender on XX/XX/XXXXXXXX XXXX  that I was unable to be approved due " Serious delinquency on credit bureau ''. I proceeded to pulling my credit reports from the various major bureaus. I was shocked to find that there was charge off for {$17000.00} with Capital One. This account is showing as have been opened on XX/XX/XXXX, with an address of XXXX XXXX XXXX, XXXX, MI, XXXX, an email of XXXX, and a phone number of XXXX. None of this information belongs to me. I contacted Capital One immediately and after being provided some account details, I was provided with a number that I could call to discuss the matter and was transferred over to another line, which seemed to be the collection agency or law office handling the delinquency. I left a message on a random extension with my concern and was never called back. 

I filed a dispute with XXXX and on XX/XX/XXXX, I received the following : " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account XXXX XXXX XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. If you have additional questions about this item please contact : CAPITAL ONE BANK USA NA, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX '' I contacted Capital One on 3 separate occasions, each time providing more details and have the following response letters : Case Number : XXXX dated XX/XX/XXXX Case Number : XXXX dated XX/XX/XXXX Case Number : XXXX dated XX/XX/XXXX All response letters contained the same identical message : " Dear XXXX XXXX XXXX Thanks for contacting Capital One about possible fraud on your credit card account. We've finished our investigation of your fraud claim. Our research found no signs of fraud. As a result, we haven't made any adjustments on your account. '' Appended to the bottom of those response letters was number XXXXXXXX XXXX XXXX to call for any questions. I have called this number several times and left several voicemails. No one has returned my call from the possible collection agency or law firm.

Identitytheft.gov website was utilized for my 3rd communication with Capital One where I notified Capital One that I was a victim of Identity Theft, attached a copy of FTC Identity Theft Report, and requested the following XXXX XXXX  Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: FL

Complaint narrative:
For several weeks, I have been trying to purchase XXXX with my XXXX issued by US Direct Express. US Direct Express is blaming XXXX for creating the problem and XXXX keeps referring me back to US Direct Express for a problem created by XXXX? All my other purchases process without incident, except for XXXX purchases?

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

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Remove or Block Adverse Information from Experian Credit Report Pursuant to Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request the removal or blocking of adverse information from my Experian credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a XXXX XXXX XXXX, I am entitled to this protection, which requires Experian to remove or block adverse information within four ( 4 ) business days upon receipt of my documentation.

To support my request, I have enclosed the following : 1. A self-attestation letter, signed by a government Ant
i-XXXX XXXX XXXX, confirming that I am a XXXX XXXX XXXX 
2. A copy of my government-issued identification documents to verify my identity.

3. A letter explaining the specific adverse information on my XXXX credit report that is the subject of this request. 

As per Section 605C, XXXX XXXX XXXX are not required to provide evidence beyond a self-attestation letter signed by a government entity. Experian must comply with its legal obligations and promptly remove or block the adverse information. I respectfully request that the CFPB ensure Experian processes my request and confirms the removal or blocking of the adverse information from my credit report. Please contact me at the above-listed phone number or email address if you require additional details or need clarification. Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to protect my rights as a XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: 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. 
XXXX XXXX XXXXXXXX account ending in XXXX, XXXX XXXX Account ending in XXXX XXXX XXXX XXXX account ending in XXXX has violated my rights. 

I looked at my XXXX credit card report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I opened a 12 month high yield cd with ally at the end of XX/XX/year>. 

I elected for monthly interest distributions to be sent to my only linked account with ally, the account I funded the CD from. 

When distribution time came they tried to issue to an account I have never seen and also that was not ever linked to my ally. 

The only information ally has given me is the bank account is in my name but the ach was rejected because it is unregistered. The ach attempt was made on XXXX to a XXXX account ending in XXXX. The first rep I spoke with said it was a typo. Every rep I speak with tried to minimize it so I dont suspect what is happening. They are afraid of a big law suit, and I would say, rightfully so. 

The fraudulent ach was rejected and I called ally when I checked the progress as I noticed no interest was deposited in my original bank account. They keep passing the baton. To me it seems obvious there are corrupt employees. Im not sure what to do. I will also contact XXXX about the other account. They keep putting me on hold so Im filing this report as they are probably trying to get their story straight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a {$220.00} collections on my credit report for a service I did not order at a location I have never lived. XX/XX/year> it started. XXXX XXXX XXXX is trying to collect for a company called XXXX. Apparently, someone used my SS # to order internet service in a small town in XXXX California. I live in XXXX California for the past 30 years and have never lived in XXXX California. The Service said that because my SS # and my date of birth was used to open the account there was nothing they could do and the debt would remain. This is fraud and I would love a little help getting it my credit reports. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 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 2024-12-12 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
To resolve this matter, I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take the following actions : Full Validation of Debt : Require XXXX XXXX XXXX  to provide comprehensive documentation validating the alleged debt. This should include the name of the original creditor, a detailed breakdown of the debt amount, and proof of their legal authority to collect the debt. 
Immediate Cessation of Collection Efforts : Ensure that XXXX XXXX XXXX immediately halts all collection activities and communications with me until they provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Immediate Removal from Credit Reports : XXXX XXXX XXXX XXXX  to immediately remove any inaccurate or unvalidated entries related to this debt from my credit reports with XXXX, XXXX, and XXXX. 
Confirm that XXXX XXXX XXXX will not re-report this debt to the credit bureaus unless it is fully validated in compliance with federal law. 
Investigation into Compliance Practices : Conduct a thorough investigation into XXXX XXXX XXXX practices to determine if there is a pattern of non-compliance with the FDCPA or other consumer protection laws. Impose penalties or corrective measures if violations are identified. 
Consumer Protection Assurance : Provide written confirmation that this account will not be pursued further unless legally validated, ensuring my rights as a consumer are upheld under the FDCPA.

By addressing these concerns, I aim to restore the accuracy of my credit report, halt unwarranted collection activities, and ensure XXXX XXXX XXXX complies with federal laws governing debt collection practices. 

Thank you for your prompt attention to 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 2024-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
I am filing a complaint against BSI Financial Services for engaging in unfair and potentially predatory foreclosure practices. I have been receiving threatening letters and notices from BSI Financial, as well as communications from their lawyers, indicating that foreclosure proceedings are imminent. 

These actions are causing extreme emotional distress and financial hardship. I believe these practices may violate consumer protection laws, as BSI Financial has not provided clear, transparent information regarding my loan status or options to avoid foreclosure.

1. Lack of Communication or Clarity : Despite my attempts to contact BSI Financial, I have not received a clear explanation of the foreclosure process, my loan status, or my available options.

2. Threatening Language : The letters I received use threatening language, creating an environment of fear and confusion rather than offering solutions.

3. Legal Pressure : I have been contacted by BSI Financials legal representatives, which I believe is an intimidation tactic to push me into compliance or payment without exploring alternatives like loan modification or repayment plans.

I am requesting that BSI Financial : Provide a clear explanation of my loan status and any payments owed. 
Stop sending threatening letters and communications from lawyers that do not provide clear, actionable steps I can take to resolve the situation. 
Offer a fair resolution such as a loan modification, repayment plan, or alternative foreclosure avoidance options. 


I would like the CFPB to investigate BSI Financials practices and require them to engage in good-faith communication with me to resolve the issue. I am also seeking protection from further harassment or intimidation related to this matter.

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

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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am beyond frustrated with the accounts on my credit report that are currently in pending litigation and inaccurately reported. Ive contacted you multiple times, yet nothing has been done.

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief