vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been added to my credit file. As such, I request that the following accounts and inquiries be blocked and deleted from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$48.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
Equifax is reporting several outdated accounts on my credit report that exceed the seven-year reporting limit mandated by the Fair Credit Reporting Act ( FCRA ). Negative information, such as delinquencies or accounts in collections, must not be reported for more than seven years from the date of the first delinquency, as outlined in 15 U.S.C. 1681c.

The following accounts remain on my credit report despite being well past the permissible reporting period : XXXX XXXX  XXXX XXXX # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  # XXXX : Opened XX/XX/XXXX, closed XX/XX/XXXX. 
These accounts are not only outdated but are causing harm to my creditworthiness by remaining on my credit report unlawfully. 

I have contacted Equifax to request the removal of these accounts but have not received a satisfactory resolution. Equifaxs failure to remove these accounts violates their

obligation under the FCRA to ensure the accuracy and timeliness of the information they report ( 15 U.S.C. 1681e ( b ) ). Desired Resolution : I am requesting the immediate removal of all the accounts listed above from my Equifax credit report and an updated credit report confirming these actions. If Equifax can not comply with this request, I ask for CFPB oversight to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
So I opened my account, made a large deposit went to pay a bill and they had locked my account. So I went into the branch a couple of days later. Due to security reasons I need to verify who I was, which was fine, took them almost 2 and a 1/2 hours to get my account unlocked. So today I went to work, had my money in my account but I got a notification that my account was now in a XXXX balance when I should have had a little XXXX {$4000.00} still and now they have locked my account once again. And the branch in XXXX, in North Carolina is helping me as much as they can, but they can't understand why this keeps happening to my account. This really does need to be looked into and finding out why my account keeps getting blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: CT

Complaint narrative:
I have spent countless hours with US Bank trying to resolve numerous issues including having them correct my name, send my mail to the correct address, addressing them taking me off a forbearance ( their error ), and having to rectify my payment being spread over several months and instead they applied it all to my principle despite me being extremely clear where to apply it. They have, after hours upon hours on the phone have resolved all the issue except my name and mailing address are incorrect. I would ask that you please ask them for a copy of all of the phone calls I have made to them over the past year. This is causing my severe emotional distress. I need help in getting these basic requests fulfilled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection to the reporting of inaccurate information related to the TDRC/SAMS account with the partial account number XXXX. The errors and inconsistencies in Experians report have adversely impacted my credit file and violate provisions of the FCRA. 

Identified Inconsistencies 1. Date of Last Payment : The report does not include any information regarding the date of last payment, leaving the data incomplete. 

2. Date of Last Activity : The report states XX/XX/year> as the date of last activity, which conflicts with information provided by other credit bureaus. 

3. Payment History : The report indicates an " OK '' payment status until XX/XX/year>, followed by a " Charge Off '' on XX/XX/year>, with no additional records or context provided. 

Violations of the Fair Credit Reporting Act 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy Experian has not implemented reasonable procedures to ensure the accuracy of the information provided, as required by this section. The discrepancies in payment history, dates, and missing data reflect a lack of compliance. 

2. 15 U.S.C. 1681i ( a ) : Inadequate Investigation The absence of crucial details, such as the date of last payment, demonstrates Experians failure to conduct a thorough investigation and ensure accurate reporting following my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
There is a collection on my XXXX report from Waypoint Resource Group , LLC regarding a XXXX XXXX bill in the amount of {$430.00}. It says it is for an XXXX XXXX XXXX account. I already disputed this account with XXXX, and they told me that the account was verified as accurate. This is not my account. 

This account is a fraudulent account. I do not have a XXXX XXXX account that is in my name. I am a victim of identity theft. Please remove this account immediately from all 3 of credit bureau reports : XXXX, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of my authorization nor any permissible purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of my authorization nor any permissible purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/year> - Bill paid but not paid in full and interest charged on XXXX statement - no complaint XX/XX/year> statement - Chase prints an amount on the XXXX statement entitled " Interest Saving Balance '' with a description " Pay this amount by your due date each month to avoid interest on statement 's purchases. ( $ XXXX ) XX/XX/year> Statement - Paid more than " Interest Saving Balance '' amount shown on statement before due date of the XXXX statement. Charged interest. Contacted customer service and was told I am continuing to be charged additional interest for purchases made in XXXX, even though I paid the interest saving balance. 

My complaint is that the bill printed an amount due that states interest won't be charged if the amount listed is paid by the deadline. I paid more than that by the deadline and was charged interest plus fees and all the charges were sustained by Customer Service, Management and Executive relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: DE

Complaint narrative:
Received notification at second home claiming to collect on a debt I didn't receive a notification about. Letter is dated XXXX, from the collection bureau of America, collecting for XXXX XXXX. Supposedly debt is owed from XXXX. Possibly for a false alarm which would have come from a law enforcement / police department, but permits are not a requirement in the state of Delaware. At least that's what I was told when purchased. This seems fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX - XXXX - XX/XX/year> - {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
Hello and good day, Im reaching out with deep concern about the inaccurate information showing on my credit report. This situation has become increasingly troubling, as its directly affecting my financial stability and limiting my ability to move forward with important financial goals. Due to these errors, Ive faced multiple credit application rejections, which has been not only frustrating but also incredibly stressful. These inaccuracies are unfairly holding me back and impacting my life in ways that shouldnt happen to anyone who strives to maintain financial 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 2024-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX and Bounce AI , Inc. for violating Section 615 ( f ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the sale or transfer of a debt that results from identity theft once the creditor or debt collector is notified of the fraud. 
On XX/XX/XXXX, I notified Happy Money and its servicer, XXXX XXXX XXXX, that the debt associated with Loan ID XXXX was fraudulent and the result of identity theft. I provided all required documentation, including [ state whether you sent a police report, FTC identity theft affidavit, or other supporting documents ]. Despite being informed, XXXX XXXX transferred and sold this debt to Bounce AI , Inc. on XX/XX/XXXX, with a balance of {$16000.00}. 
This sale directly violates Section 615 ( f ) of the FCRA and has further impacted me by potentially damaging my credit report and subjecting me to harassment by Bounce AI , Inc. for a debt I do not owe. 
Thank you for your attention to this matter. 
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been a member since XXXX! I have been in XXXX discrimination racially profiling situations that has been caused by Navy Federal Credit Union. Which caused me back in XXXX of XXXX to close all my accounts. Whats weird is my savings accounts are still open, which they failed to initiate the closing of all my accounts like I previously demanded while I was in the Credit Union location off XXXX and XXXX in XXXX Florida. This was the last a final straw, that made me say enough is enough of this Credit Union violating my consumer, state, federal, constitutional laws. I am due remedies for these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation