vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: AL

Complaint narrative:
federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRIES XXXX ACCT XXXXXXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  ACCT XXXXXXXX XXXX  ACCT XXXX NAMES REPORTED XXXX XXXX XXXX XXXX XXXX EMPLOYEMENT REPORTED XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: PR

Complaint narrative:
I was validating my credit report and I noticed that there are certain errors in late payments that are not mine. These bills were all paid on time. I want the late payments to be validated and deleted from the credit report please and 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 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Reached out to company XXXX about verification of debt because I keep receiving emails about them wanting to pursue legal action and I reached to to get verification of debt and they said they need personal information first to confirm they have the right person. I didnt feel comfortable giving that information because it might be used against me later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I received money from a XXXX  account from my mom. Capital One flagged the transaction and closed my account. they stated that they returned the funds to the originator which they did on XX/XX/year>. But Capital one turned around and sent a " Hold Harmless Letter '' requesting the funds to be returned to capital one. XXXX returned the funds to capital one but now capital one is not responding on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States 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 written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
Company by the name of Harris and Harris collection agency said I own {$400.00} for a cable bill I don't know anything about it it is not mines it has to be identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Dispute Department, I am writing to formally dispute the accuracy of a collection account listed on my XXXX credit report. The details of the account are as follows : Account Number : XXXX Account Type : Collection Creditor Name : [ Insert Creditor or Collection Agency Name ] Balance : {$16000.00} ( as of XX/XX/XXXX ) Responsibility : Joint with XXXX XXXX, XXXX XXXX Date Opened : XX/XX/XXXX I believe this account is inaccurate for the following reasons : 1. I have no knowledge of this account or its association with me, or I was improperly listed as a joint account holder. 
2.Mention any errors or discrepancies in the reporting, such as an incorrect balance or status. 
3. I believe this debt is unverifiable under the Fair Credit Reporting Act ( FCRA ) as no sufficient evidence has been provided to validate its legitimacy. 

I request that you investigate this matter with the creditor or collection agency. If the account can not be verified or corrected, I request that it be immediately removed from my credit report as required by the FCRA. 

To support my claim, I have included the following documentation : A copy of my credit report highlighting the account in question. 
Any additional supporting evidence. 

Please complete your investigation within the required 30 days and provide me with a written response. I look forward to your prompt attention to this matter. 

Thank you for your assistance. Should you require further information. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I initiated Venmo transfer of {$90.00} to my friend, XXXX XXXX on XX/XX/year>. 

I used Venmo for the first time on my new device and first transfer failed. After 5 minutes, transfer went through. 

I was using my XXXX XXXX XXXX XXXX XXXX to fund the transfer. 

On XX/XX/year> I saw that my checking account was debited twice for this transfer, {$90.00} each time. I chatted and called Venmo and was told that they did not double charge me. 

XXXX XXXX XXXX said that they can not help me and suggested I talk to Venmo. 
Venmo tells me to go figure it out with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
My credit score has been severely impacted by multiple fraudulent accounts that have recently appeared on my report without my authorization. These accounts are causing significant damage to my credit standing and creating an inaccurate reflection of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Received my Comenity XXXX Credit Card XXXX for XX/XX/XXXX and paid it in full, {$150.00}, on XX/XX/XXXX. XXXX was due XX/XX/XXXX. 
Received another statement from XXXX XXXX XXXX indicating my payment was late and I was charged a late fee. 
I sent a message to Comenity XXXX online on XXXX indicating an error on their part. I provided a screenshot of the bank information indicating that the payment was sent on XX/XX/XXXX and cleared on XX/XX/XXXX. 
I received an online message back from Commenity that the information was sent to the proper department. 
I received a letter stating that I needed to call them. I called on XX/XX/XXXX, the date I received the letter in the mail, and was told that I could receive a courtesy for the late fee. I explained via bank records that there the payment was made on time, thus no late fee to receive a courtesy. I closed the account and was told the balance was {$0.00} via phone. 
In the mail, I received a notice ( dated XX/XX/XXXX ) that a balance of {$17.00}. 
I sent a message on XX/XX/XXXX online stating that there was no way I could have a balance or late fee or any fee on a {$0.00} balance. 
The company replied that I was late on my original payment on XX/XX/XXXX, that they only gave me a refund of {$15.00}, and that I have late fees and interest. 
I replied again online on XX/XX/XXXX that via phone, it was a {$0.00}. 
The reply from Community on XX/XX/XXXX was more detailed and continued to state I still owe them money and did not acknowledge the {$0.00} mentioned via phone. 
My current statement, received XX/XX/XXXX, has a {$74.00}. The statement does not show any of the courtesy- or the balance update discussed on XX/XX/XXXX on the phone. 
I am conducting information only online now, so everything written since the phone conversation that stated that the balance was {$0.00} is not being acknowledged or that the original payment was received on time via bank records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a point of sale purchase at a local merchant for exactly {$50.00}, for which I have the receipt. Upon reviewing my bank activity this morning, I realized that the merchant charged me {$52.00} and Fifth Third ( my current bank ) charged me another {$3.00} for this transaction. With further investigation, I discovered that the merchant processed this as an ATM transaction, without any disclosure to me of that fact, which was not at all the case. I was standing in front of a register with a cashier and swiped my card on a pin pad like you would at any other merchant. I called the merchant and they refused to correct the issue, but did acknowledge that they process point of sale transactions as ATM transactions. Fifth Third is now refusing to allow me to dispute this transaction, which I believe to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
First, MOHELA sent a document on XX/XX/year> stating that interest is and will be accruing during my forbearance associated with the SAVE plan litigation, even though this period is not supposed to accrue interest. Based on research online they have been doing this to thousands of other borrowers.

Second, I asked for a copy of the MPN for my consolidation loan, and specifically told them I could not find it on StudentAid.gov and they instead just responded back on XX/XX/year> telling me to check on StudentAid.gov. I have copies of the individual MPNs, but not the one for the consolidation loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I request my PMI to be removed, because I already reached over 20 % equity in my property. And Mr. Cooper refuse to remove. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are mistakes on my credit report related to unauthorized hard inquiries. In accordance with 15 USC 1681c-2, I request their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name : XXXX XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to formally complain about Bank of America 's negligent practices, which have caused unwarranted damage to my credit report and the only derogatory mark I've ever received. Despite multiple efforts to resolve directly, the issue remains unresolved. 

I previously held a Bank of America checking account as well as a Bank of America credit card. I had enrolled my Bank of America credit card to autopay from a XXXX checking account, and had configured notifications to alert me of payment activities. Later I had closed my Bank of America checking account as I no longer used it, a decision unrelated to my Bank of America credit card. 

Unbeknownst to me, without proper notification, Bank of America switched my account type, and cancelled my credit card autopay setupwhich was tied to a XXXX account, not the closed account. Additionally, Bank of America removed my notification preferences, leaving me completely unaware that my credit card payments were not being processed. 

I discovered the issue only after viewing my credit report. 

I've paid the bill since, and contacted Bank of America many times to address this & remove the derogatory mark. My case has been repeatedly closed without resolution or explanation. 

This negligent handling is unacceptable. The situation arose due to Bank of America 's own actions : 1- Bank of America had removed my credit card 's autopay configuration after actions to an unrelated checking account, with NO communication 2- Bank of America reset my payment notification settings, with NO communication 3- After Bank of America itself cancelled my autopay and cancelled my notification settings, Bank of America reported a late payment of {$20.00} to the credit bureau, despite the issue completely originating from their end. 

These failures demonstrate severe lack of care and accountability on Bank of Americas part, which has directly harmed my financial standing. This is my ONE and only credit derogatory mark.

I am requesting that Bank of America : 1- REMOVE the derogatory mark from my credit report immediately. 
XXXX Acknowledge and rectify the systemic issues that allowed autopay and notifications to be canceled without notice, after actions taken to an unrelated account.

This issue has caused me unnecessary stress and damage to my financial reputation through no fault of my own. Again, Bank of America cancelled my credit card 's autopay & reset my notification settings after I closed a totally unrelated account with them. I expect prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There was an old charge off on my credit report from SYNCHRONY BANK Care Credit that XXXX XXXX purchased. Each time I try to contact the debit collector about removing the inaccurate information as the charge off is well beyond the statue of limitation, the company refuses to remove the information and the credit agencies continue to report the transaction even though I have disputed the charge off several times. 

Additionally, the debt collector keep re populating the debt with a new date to make the derogatory remarks appear new on my credit report. 

When I attempt to contact this collector, they offer idle threats and they are aware that they utilizing predatory collection practices that are designed to hurt, and humilate the consumer even though this is a very old debit. One of their communications even states that they are aware that the debt is too old to take legal actions, but yet they keep recycling it on my credit report.

When I asked for a manager, I was given the runaround and put on hold. when I tried to go through the credit bureaus to dispute this debt, the collector responds that it's accurate and that is not true. The credit agencies are not following through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have no knowledge of this alleged debt until it appeared on a recent credit report. I request debt validation and proof of claim for this account.

Company response to consumer: Closed with explanation