vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because they did not respond in 15 days per or at all see FCRA sections below.

1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE for each account disputed.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because I did not receive proof of my signature they should have on file regarding PERMISSIBLE PURPOSES according to FCRA see request below. 

15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

Please read and comply to my request or delete accounts I am disputing. 

XXXX, XXXX, and Equifax are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. 

INACCURATE REPORTING/ DISPUTES XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because they did not respond in 15 days per or at all see FCRA sections below.

1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE for each account disputed.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because I did not receive proof of my signature they should have on file regarding PERMISSIBLE PURPOSES according to FCRA see request below.

15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

Please read and comply to my request or delete accounts I am disputing. 

XXXX, Experian, and XXXX are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. 

INACCURATE REPORTING/ DISPUTES XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit 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 non-monetary relief
Consumer complaint received 2024-05-21 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:
I am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name. 

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/2024 Amount : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
We originally had an American Express card with an Annual fee of {$95.00}. In XXXX of XXXX I called to upgrade to a new American Express Hilton Rewards card with an incentive of XXXX or XXXX points ( Not sure. ) This new card had an Annual fee of {$390.00}. The original card had just renewed in XXXX, XXXX and they would not refund the annual payment if I upgraded the card, which was fine. They told us that we would have to close the original account in order to receive the incentive on the Hilton card. We instructed them to close the XXXX account. 
The incentive was supposed to be credited after we charged {$5000.00} or {$6000.00} on the card. This was done in two months. They told us we would be credited the Hilton points within XXXX weeks. 
We called last week inquiring about the points and were told that we were not eligible for them. My husband XXXX, whose name is first on the account relayed the above history. 
They claimed that they would research the issue and get back to us. They have not followed up. I don't believe they intend to honor the original deal.

So we have paid two annual fees, {$95.00} and {$390.00} and no incentive received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. Account name : 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 has violated my rights. 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 information is inaccurate.

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 2024-05-21 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
To begin, Ive lived at my current address for nearly 8 years and have never experienced mail delivery delays with the U.S. Post Office. Each month, I mail payments to several companies and all have been received and posted timely. With the exception of Regions Bank. 

On XX/XX/year> my wife and I began receiving text messages from Regions Bank saying our Regions Bank XXXX card payment was past due. Initially we thought these texts were fraudulent since I had mailed a check to Regions on XX/XX/XXXX. The texts continued and I called Regions Bank on XX/XX/XXXX. 

The Regions Bank representative told me no payment had been received, so I agreed to let Regions Bank debit my XXXX XXXX checking account on XX/XX/XXXX to remedy the past due status. 

We began receiving texts again on XX/XX/XXXX saying our XXXX payment was past due. I promptly call Regions Bank again and their representative apologized saying Regions debit processing system was not working, the debit transaction I had authorized on XX/XX/XXXX did not go through. Unfortunately, no one from Regions Bank contacted me regarding this. I agreed to give Regions my XXXX XXXX routing and checking account numbers to facilitate the payment which, this time went through. 

The very next day, XX/XX/XXXX, Regions Bank finally processed my payment check from XX/XX/XXXX, some 42 days later. 

Frustrated by all this, on XXXX XXXX I mailed a check to Regions Bank to pay off this XXXX card. As of this writing, now 18 days and counting, Regions Bank has yet to process this payment. All the while interest continues to accrue on my balance.

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 monetary relief
Consumer complaint received 2024-05-21 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I enrolled in a settlement opportunity with you guys for account XXXX and paid off my balance years ago. In return for the settlement part of the agreement was pay for delete. You guys failed to delete and it still sits on my report as closed I am dispute this via CFPB and hopefully gets cleared up here

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I asked for a copy of my original contract showing me having an account with them and I have yet to receive anything in regards to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: CA

Complaint narrative:
There is a debt from US BANK they claim that {$16000.00}. I have spoken to US Bank and to the lawfirm currently in charge of collecting it. I have not been formally served, but have looked at the court docket and noticed that there is a lawsuit filed on XX/XX/XXXX. When I found this out I was a bit surprised because this debt is very old. In fact, I called US BANK to confirm the date of last payment, which US BANK told me it was XX/XX/XXXX. This makes this a time-barred debt since the lawsuit was filed four months too late. According to the CA Code of Civil Procedure 337, there is a four year limit for filing a lawsuit to collect a debt based on a written agreement. This clock started on XX/XX/XXXX, which is the final payment that was made that preceded the delinquency that led to the charge off, or four years form the date the contract was broken.

I have advised US BANK about this, and also advised the lawfirm XXXX and XXXX about this, but they seem to have a total disregard of the law and are seeking to force me to file an answer on a debt I have not even been served on. I have been keeping an eye on the court docket and they claim they served me somehow, but I have not been formally served.

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 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo given me misleading information the run around XXXX XXXX XXXX documents being mailed to me for the trial modification they insisted I was approved for. Was told by Loss Mitigation documents would be remailed to me for Trial modification. Spoke with loss mitigation they informed me they were never mailed, and they had noted the loan I had broken the promise for the trial. See detailed chain of events attached. CFPB Orders Wells Fargo to Pay {$3.00} XXXX for XXXX XXXX XXXX XXXX XXXX, Mortgages and Deposit Accounts. I am a victim of mortgage of improperly being denied loan modification.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: NJ

Complaint narrative:
A charge off is considered a certificate of indebtedness, Which is considered income. income can not be reported onto credit reports. I have reached out to the company to remove the inaccurate date they are reporting on XX/XX/XXXX and they refused as per IRS guidelines The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!

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 2024-05-21 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: NY

Complaint narrative:
I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows several credit inquiries that I did not authorize. 

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