vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-05 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: OH

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I Closing on my home I received an email with a wire transfer sheet from the title company that I thought was the title company went to the bank wired the cash. The title company told me that they never got any funds from me then I figured it out it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been enrolled in automatic monthly loan payments of {$250.00}. However, due to my XXXX XXXX XXXX XXXX XXXXXXXX and my job as a XXXX XXXX assistant, I missed several payments. To rectify this, I contacted XXXX XXXX to arrange a payment plan, as I was threatened with repossession on my credit. During the conversation, I was led to believe that I was paying a fee to bring my account up to date and to set up automatic future payments. I have diligently made these payments for over XXXXwo years. However, despite this, my account is now listed as charged off on my credit report and marked as delinquent, which is inaccurate as the payments are automatically deducted from my account each month. Despite my attempts to resolve this issue, I have had no success. 
Date of charge off has XX/XX/year> i set up arrangement prior to this date and have not missed a payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
First of all, I am on the Do Not Call registry. 

" Balanced Healthcare Receivables LLC '' called, their number is XXXX, and they left a voicemail saying they are attempting to collect a debt for " XXXX XXXX and to call XXXX to collect the debt. 
( Actually, XXXX XXXX should be XXXX not XXXX ) Just to be sure, I checked XXXX and confirmed I have no debts in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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.

This company 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Applied for consumer load with XXXX ( XXXX XXXX ) on XX/XX/year>. Over the course of 4 days, XXXX did 7 separate hard pulls on my report from TransUnion yet they insist they could not access my file. I was even told by one rep that they didn't do a " hard pull ''. I can see the injuries and have asked that they be removed. XXXX says they can not remove them because they never accessed the account. TransUnion says I have to dispute them with the lender. No one will accept responsibility.

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 2024-08-05 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: PNC Bank N.A.
State: GA

Complaint narrative:
I am filing a complaint against PNC Bank for failing to address an unauthorized account on my credit report. Despite multiple attempts to resolve this issue, PNC Bank has not removed the unauthorized account, and the credit reporting agencies ( XXXX and XXXX ) continue to report this inaccurate information. The details of the account are as follows : - Account Name : PNC BANK, N.A. 
- Account Number : XXXX - Date Submitted : XX/XX/year> - Report Number : XXXX I did not open or authorize this account, and its presence on my credit report is causing significant damage to my creditworthiness. I have previously disputed this account with PNC Bank, yet they have failed to provide adequate verification or remove the account from my credit report. XXXX has already acknowledged the unauthorized nature of this account and removed it from my credit report, but XXXX and XXXX have not done so. 

PNC Bank 's actions constitute violations of several federal laws designed to protect consumers, including : 1. **Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2** : PNC Bank has failed to fulfill its responsibilities as a furnisher of information by not reporting accurate information and not investigating disputes promptly and thoroughly. 

2. **Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ) ** : PNC Bank is required to investigate and correct billing errors, including unauthorized charges. This account represents an unauthorized charge that must be corrected immediately. 

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1605 ( b ) ** : This section prohibits unauthorized accounts and charges on a consumer 's credit report. The presence of this account on my report is a direct violation of this provision. 

Despite providing substantial evidence and XXXX removing the disputed item, PNC Bank has not taken appropriate action to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: PA

Complaint narrative:
1. Incident Details ( 1 ) Date & Time : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( XXXX ) Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Amount : {$4900.00} ( XXXX x {$100.00} bills ) ( XXXX ) Card Used : Wisely debit card XXXX. Sequence of Events ( XXXX ) First deposit attempt on ATM # XXXX : Unsuccessful, all cash returned. 
( XXXX ) Second attempt on ATM # 2 : Deposit canceled, {$500.00} retained by ATM. 
( XXXX ) Immediately contacted XXXX XXXX XXXX XXXX : No assistance provided. 
( 4 ) Contacted Wisely Customer Service : No deposit record found, unable to help. 

XXXX. Follow-up ( XX/XX/year> ) ( XXXX ) Visited nearby XXXX XXXX XXXX Staff unable to assist as I'm not a XXXX customer XXXX 
( 2 ) Contacted Wisely Customer Service again : Refused to file investigation due to lack of deposit record. 

XXXX. Unresolved Issues ( XXXX ) {$500.00} cash retained by XXXX ATM. 
( XXXX ) Both XXXX and Wisely unable or unwilling to resolve the issue. 
( XXXX ) No investigation initiated by either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: GA

Complaint narrative:
Transunion and XXXX are reporting XXXX XXXX XXXX 4 year old charge offs every month as if the charge offs are new ( see attached pics ). This has caused me to be turned down for a HELOC recently. They are showing up as open on myfico, the data base most companies use. This is a violation of my right to have an accurate credit report under the FCRA.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to put a credit freeze on my account at Experian. I have tried for weeks now and the website always gives me an " irrecoverable system error '' and directs me to call them. However, the Experian phone system REFUSES to transfer me to an agent. I have tried for weeks and it is literally impossible to talk to anyone. I had XXXX issues with the other credit bureaus but Experian is the absolute worst. I want to put a credit freeze on my accounts but it appears to be impossible. I know this makes it easier for Experian to keep making money but this should be illegal.

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 2024-08-05 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: FL

Complaint narrative:
UPON CHECKING MY REPORT, THESE COLLECTION ACCOUNTS ARE FRAUD ARE NOT MINE AND MUST BE TAKEN OFF FROM REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
My account was put in a forbearance, by Mohela, for " SAVE Recalculation Forbearance. '' In the letter Mohela sent to me, Mohela stated, " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' That letter, with that statement, was sent to me on XX/XX/XXXX. My account balance on XX/XX/XXXX was {$74000.00}. As of today, XX/XX/XXXX, my account balance is {$74000.00}. How can that be possible if the interest rate was set to 0 % and no interest was accruing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has not been reporting my credit file for 2+months. I have asked for a refund of my membership from Experian because they have reported a blank file on my credit reporting so they said they were going to refund me {$59.00} but they only refunded me only {$29.00} this has caused me a lot of XXXX and it has been very XXXX calling them asking them to correct my credit file and refunding me the other portion of my refund it's been more than 2 months they have violated my rights.

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 2024-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened a Bank of America Account and Deposited a {$100000.00} check ( from a trust ) in-person at the bank ( Bank of America ) - ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I was told the check would clear fast due to being in person, among other reasons. 

XXXX days pass and the check cleared, I moved {$25000.00} to my checking and took {$2500.00} from checking and moved it to the XXXX investing portion of the bank of america app and invested it in XXXX XXXX. 

The next day my account is in the negative on savings as it appears the check went back into hold status. The {$22000.00} and {$2500.00} were untouched and the account appeared as follows NEGATIVE- {$25000.00} Overall Checking - {$22000.00} XXXX - {$2500.00} After XXXX XXXX XXXX XXXX my friend whom I owe money to asked if the check cleared yet and if he could get some of the money I owe him back. 
I send {$500.00} via XXXX to see if XXXX works as I don't know their limits or whatnot. 
After a day the payment was declined so I contacted the bank via chat representative on the app asking why the payment was declined. 

After I assured the online rep there is no more trusted person than the person I am sending it too, that I owe him about {$4000.00} and would be paying him throughout the week via XXXX ; and when I tried again it worked ; sent {$500.00} to XXXXXXXX XXXX  XXXX XXXX ; who lives within XXXX miles from my house mind you and has the same bank. 

The following day I sent out {$1500.00} to the same person ; XXXX XXXX, XXXX, and it worked and bought doordash later that day. 
Little did I know that this would be the start of series of long hold times on phone with a brick wall known as Bank of America, who assured me every time ( 4 times ) I was in great hands and would deal with the problems. After the second time of them saying " Call back in XXXX hours '' with XXXX assurance it would actually be XXXX  % solved I decided this complaint was justified. 

I am not a XXXX XXXX XXXX woman, I am not being scammed ; I was trying to repay a friend. 
I plan on traveling this year and the next, and upon research this is quite common problem with Bank of America and I have a fear of my cards being frozen for another week and being stranded in the middle of nowhere.

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 2024-08-05 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to address multiple unauthorized and inaccurate entries on my credit report. Despite XXXX 's thorough investigation and removal of these items, Experian has continued to report the following unauthorized accounts and an inaccurate late payment : 1. **Unauthorized Accounts** : - XXXX XXXX Account number : XXXX - XXXXXXXX XXXX  XXXX XXXX Account number : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX. **Inaccurate Late Payment** : XXXX XXXX XXXX XXXX, Account number : XXXX I have previously sent dispute letters to Experian, yet my disputes were marked as " verified '' without a proper investigation or notification of the verification method. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation of disputes. Furthermore, Experian has failed to provide the method of verification as required by FCRA - 15 U.S.C. 1681i ( a ) ( 7 ). 

Experian 's negligence also breaches the requirements under FCRA - 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, the continued reporting of inaccurate information from XXXX XXXX XXXX violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which mandates accurate billing and correction of errors. 

Despite providing substantial evidence and XXXX removing the disputed items, Experian continues to report these inaccuracies, causing significant damage to my creditworthiness and financial standing. This negligence has resulted in emotional distress and potential financial losses due to higher interest rates and denial of credit.

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