vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: Bonneville Billing and Collections
State: WA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at Bonneville collections  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: P.S.C., Inc
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at Puget Sound Collections on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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.

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 2024-09-09 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CT

Complaint narrative:
When my lease dated XX/XX/XXXX - XX/XX/XXXX ended I was charged " mandatory cleaning fees '' on moving out of my apartment at XXXX XXXX XXXX XXXX in XXXX AZ. I reviewed my lease and did not see any mandatory charges listed in the document. I asked the property manager to explain the charges and they produced an additional sheet of fees which was signed but with an older lease dated XX/XX/XXXX- XX/XX/XXXX. I asked them to produce this sheet with dates corresponding to the current lease of XX/XX/XXXX- XX/XX/XXXX and they were unable to produce the document. The property management said it did not matter, they would charge the fees anyways and that they did not need anything signed with the correct dates to charge these mandatory fees. They stated, " the value is too small, you won't take us to court over it. '' This is fraud, companies do not get to charge fees not agreed upon in an active lease. They have been unable to produce the correctly dated document for my last lease. 

Eventually the property manager sent the amount to collections and the collections company COLUMBIA DEBT RECOVERY LLC DBA GENESIS keeps " verifying '' that the debt is correct by supplying the last lease XX/XX/XXXX - XX/XX/XXXX which does not include the mandatory fees being charged. They are joining XXXX XXXX XXXX XXXX in committing fraud. They do not respond to communication explaining the situation.

I have included the sheet with the mandatory cleaning fees listed ( that I was charged on move out ) that is dated to match an older lease and some email communication with the property manager. Subsequent communication was over the phone, no document with correct dates was ever produced by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-09 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 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 2024-09-09 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: CA

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 account listed without my expressed written consent.

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 2024-09-09 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: Experian Information Solutions Inc.
State: CA

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 account listed without my expressed written consent.

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 2024-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX fraudulent checks ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) totaling {$16000.00}. We notified the bank on XX/XX/XXXX and was told by XXXX XXXX that they will put a freeze on the account and will start an investigation and we will get the money back in the account within XXXX  days. I asked XXXX if we need to make a police report, and I was told that was not needed, the bank will do the investigation. I emailed XXXX on XX/XX/XXXX2024 inquired on the status of the investigation. I received a voicemail on XX/XX/XXXX2024 stating I would have to come in the bank to fill out an affidavit to continue the investigation. That was XXXX  days after I first called the bank to file an inquiry. 

When I called the main regions bank number for fraud, I talked to XXXX XXXX and XXXX XXXX, who told me no investigation was ever reported by the branch. They created an investigation on XX/XX/XXXX the investigation claim number is XXXX. 

My concern is that the checks were cashed had no endorsement and were written as a bill pay from my bank, making me concerned that someone from the local bank committed check 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
https : //www.annualcreditreport.com/ I already submitted this complaint in XX/XX/year>. However, the website/company completely side stepped my concern. 

I requested they IMMEDIATELY CEASE issuing my credit report to anyone. 
They DO NOT Have my consent to issue my credit report to anyone. I detailed my reasons for my request to the company directly and in my complaint from XX/XX/year>. 

The Company/Website completely ignored my request to STOP issuing my credit report. 
They are not a credit rating agency and they have NO AUTHORIZATION from me to issue my credit report to anyone

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 2024-09-09 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: CT

Complaint narrative:
There are multiple inquiries on all XXXX credit bureau that does not belong to me and I believe I'm a victim of identity theft. I've contact all bureau to remove the inquiries and they're telling me that the information is accurate which is incorrect.

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 2024-09-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are multiple inquiries on all XXXX credit bureau that does not belong to me and I believe I'm a victim of identity theft. I've contact all bureau to remove the inquiries and they're telling me that the information is accurate which is incorrect.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
There are multiple inquiries on all XXXX credit bureau that does not belong to me and I believe I'm a victim of identity theft. I've contact all bureau to remove the inquiries and they're telling me that the information is accurate which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I signed up for a new savings account with Upgrade using a referral offer that stated if I fund my account with {$15000.00} - {$29000.00} within 30 days and keep the account funded for 60 days, I would receive a signup bonus of {$75.00}. I opened the account through the referral link and everything in the terms showed this link was active and would be attached to my account. I funded my account within 30 days over the {$15000.00} requirement and help the funds in my account for around 4 months. I waited for the promotion to be applied to my account but no bonus was deposited into my account. I called customer support and they said no offer was attached my account and they will not offer any assistance unless I have screenshots of my opening account ( who takes screenshots of this ... that's not normal practice ). They refuse to pay out the bonus even though I opened the account during the promotion timeframe, and deposited the exact amount required by the promotion ( why else would I deposit this amount? ). They stated they have the ability to manually apply the bonus but will not do anything without a screenshot of me opening the account ( which they know I wouldn't have ). I need my {$75.00} account bonus applied for following all the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year>2024 my father passed away I am next to XXXX. So I called to make sure I could get a XXXX  on his case. That is deceased client number. I was told by a XXXX XXXX going to the branch and look at withdraw the proper amount to give my dad a proper burial. I walked into the branch I was shoot away like a fly that was told that they don't offer those services at all and that there is not a thing known as the deceased client number. This is the branch off of XXXX XXXX XXXX XXXX California. I called the State Servicing back they apologized for the misconduct of their Bank representative and misinformation I called another branch on the XXXX XXXX Florida and they did confirm that I'm supposed to be able to withdraw money for the funeral and they apologized. What I want is compensation. I have sent my letter intent to sue XXXX estate servicing which says that they uploaded it to the proper XXXX and have yet to have a response it took me an increasingly long time to get everything taken care of through the bank liquidating the estate. Finally done. But I am still left with the fact that we might have had to do a car wash had we not had the money to properly bury my father luckily he had a beautiful service as our dear XXXX XXXX. My amount I originally asked for was XXXX XXXX. The gross disregard disrespect and ignoring the issue is going to cost a lot more.

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