vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked. 


This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXX XXXX XXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/year> ( attached ). Furthermore, the disputed account was never verified. Experian is reporting 54 late payments while XXXX states that no payment history is available. XXXX has removed this account. The account numbers on Experian and XXXX do not match. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.

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 2024-04-29 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:
PLEASE BLOCK AND REMOVE I urgently plead for your immediate action to expunge the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not authorize them. It is unfair for me to bear the burden of responsibility for these accounts, as I neither initiated nor approved them. I urge you to promptly rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have discovered several unauthorized inquiries from companies I am not familiar with and did give permission to pull my credit profile. I have asked for these items to be removed and still they remain. I recently received a letter from Equifax stating that the false information would not be removed from my report. I am submitting the same information for the second time be removed and information about the investigative process used when reviewing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Put block on my checking account which has my rent in it which now I can't pay and didn't offer to set up payment plan in order to release the block on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NY

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2024-04-29 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am complaining about the monthly fees on top of fees that have been added since last XXXX to my TJMaxx credit card issued by Synchrony Bank. 
It started back last XXXX when I was late with my payment that month but as soon as I noticed it, I immediately called them back XX/XX/XXXX to pay off my balance. I asked them to remove the fee and interest to no avail. I paid the balance in full except for the late fee and interest. I was hoping they would reconsider the removal of such a fee since they have done it in the past for me. The following statement, they added another fee of {$30.00} plus interest. Please see attached statement for XXXX XXXX and XXXX XXXX XXXX. I called them again sometime in XXXX or XXXX (? ) to ask them to remove the additional fee on top of the other fees. The bank has a record of this call. I offered to pay original {$27.00} dollar fee but they denied me. Since then, they charge fees of {$30.00} plus interest on top of just fees. Please see current statement of XXXX, XXXX with the balance amount of {$180.00}. 

I believe is unfair that a bank charges fees upon fees plus interest on balances that they are paid in full in a few days. A late fee of {$27.00} has grown exponentially to {$180.00} in a matter of a few months. It has also damaged my XXXX credit score by XXXX points. 

I am willing to pay the original {$27.00}. It is usury what this bank practice with customers like me. Please fight for me. 
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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: FL

Complaint narrative:
I am disputing the collection account with XXXX, account number XXXX, dated XX/XX/2021. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I transferred {$5000.00} from my XXXX XXXX  account ( owned by my husband and me ) on XXXX XXXX. But Sofi restricted my account for now and kept holding the money, did not provide it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Money stolen out of my checking fraud charges by a scam XXXX dollar taken out of my checking account .Wells Fargo refuses to return my money 5 airline tickets purchased and credit agency all not in my name an they refuse to pay 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 2024-04-29 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-04-29 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to bring to your attention several inaccuracies present on my credit report that require immediate correction. My name is XXXX XXXX XXXX, and I am requesting the removal of the following items : 1XXXXXXXX XXXX XXXXXXXX : There is a reported balance of {$6500.00} with XXXX XXXX XXXXXXXX that is incorrect. I request that this information be removed from my credit report. 

2. Charge Off from XXXX XXXX : There is a charge off from XXXX XXXX listed on my credit report, which has been paid in full. Therefore, it should be removed immediately as it is no longer valid and is incorrectly reported. 

3. XXXX XXXX  Late Payment : There is a late payment from XXXX XXXX listed on my credit report that I believe is inaccurate. I request that this late payment be investigated and removed if found to be incorrect. 

I kindly request that Experian Credit Bureau investigates these discrepancies and takes the necessary steps to correct them promptly. These inaccuracies are negatively impacting my credit score and financial reputation, and I urge you to rectify them as soon as possible. 

Please acknowledge receipt of this dispute letter and provide me with a timeline for the investigation and resolution of these issues. You can reach me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. 

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 non-monetary relief
Consumer complaint received 2024-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed unauthorized inquiries on 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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAM National Arbitration and Mediation
State: AZ

Complaint narrative:
I returned a call to a company called ADR. XXXX. After much badgering by the receptionist, i was transferred to another number : XXXX and spoke with a lady named XXXX. She indicated that I had been sent papers by a conpany named? and XXXX in XXXX. I did not receive any such papers. She also indicated that I owed for an account of XXXX XXXX. Account was opened in XXXX and ceased payment in XXXX. I advised that whatever she is talking about is almost XXXX XXXX XXXX. I may or may not have had a card but by no means did I have an account in the amount she was asking for. I can not find any case from the XXXX XXXX XXXX regarding these people. I can not find out if someone tried to serve me. They both indicated I had previously been tried to be serve. I have docuserve pages and they have been bugging me to sign them twice in about 3-4 hours. I don't know if they are real. I am afraid to open their documents. The phone number shows to contact the FTC. I am uncertain what to do.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding their improper allocation of my car loan payments, which has resulted in severe damage to my credit score. Despite repeated attempts to rectify the situation, the bank has failed to address the issue adequately. 

I have been a customer of Bank of America for XXXX years, and up until recently, I have had a positive experience with their services. However, over the past few months, I have encountered significant problems with the allocation of my car loan payments. 
XX/XX/XXXX = {$590.00} dollars and XX/XX/XXXX = {$600.00} dollars On multiple occasions, I have made payments toward my car loan through Bank of America 's online platform. I have still shots and video evidence documenting these transactions. Despite these payments being designated for my car loan, Bank of America has consistently applied them to my credit card accounts instead. 

This erroneous allocation of payments has had serious repercussions for my credit. As a result of Bank of America 's actions, my credit report shows missed payments and delinquencies on my car loan, negatively impacting my credit score and financial standing. 

I have made numerous attempts to resolve this issue by contacting Bank of America 's customer service department and visiting my local branch. However, despite assurances that the problem would be corrected, the improper allocation of payments continues unabated. 

I am deeply concerned about the long-term consequences of Bank of America 's negligence on my creditworthiness and financial stability. I have acted in good faith by making timely payments toward my car loan, and it is unacceptable that Bank of America has failed to fulfill its obligations to accurately process these payments. 

Therefore, I am requesting that the Financial Consumer Protection Bureau launch an investigation into this matter and take appropriate action against Bank of America for its violations of consumer protection laws. Additionally, I am seeking assistance in resolving the issue with my car loan payments and restoring my credit to its rightful state. 

I have video evidence documenting my payments for your review. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your attention to this matter. I trust that the Financial Consumer Protection Bureau will take prompt and decisive action to address this issue and protect the rights of consumers. 

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