vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent the dispute letters to XXXX, XXXX and Experian. Both XXXX experian claim that I am not the person disputing inquiries, both soft and hard on my credit report and I called both company to verify my self won't remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Im asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am requesting that Comenity Bank provide the advertised XXXX XXXX status to me. In XX/XX/year>, Comenity Bank invited me to apply for the XXXX XXXX card and promised me XXXX XXXX status for spending {$5000.00} in the first 90 days outside of a XXXX XXXX  destination, so I applied. Comenity Bank approved my application. I spent {$5000.00} in the first 90 days outside of a XXXX XXXX  destination. Comenity Bank did not provide me with XXXX diamond status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened my checking and saving account with Bank of America around 4 or 5 years ago. I have been using the both account in the similar matters for years without any issue. 

Today I received an email notifying me that my XXXX account is no longer connected with my email address, which is very strange because I didn't do anything on my end. Until Later I logged into my online banking finding out with customer services that both my checking and saving accounts are terminated without notice meanwhile they did not provide me with anything that explains why. 

This two accounts are financially supporting my daily needs, now they even refuse to tell me a date that I will be receiving my money or finishing the closure process.

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 2024-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a {$500.00} Incomm Vanilla Visa gift card from supermarket XXXX on XXXX/2024. I tried to use the XXXX gift card on XX/XX/year>2024 and XX/XX/year>2024 at XXXX, gas station, and online, and the XXXX gift card did not work. I called Incomm at XXXX to ask for a refund check of the remaining balance {$500.00}. I emailed Incomm at XXXX with a copy of the front of the card, back of the card, receipt and card packaging, and signed letter requesting a {$500.00} refund check. Refund request number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AZ

Complaint narrative:
On XX/XX/year>, the Federal Student Aid Office of the Department of Education notified me that I was eligible for PSLF on my remaining 4 loans and would instruct Mohela to discharge the loans. 

On XX/XX/year>, Mohela notified me that it had forgiven 3 of the loans, with no explanation why the 4th eligible loan was not included. 

On XX/XX/year>, Mohela confirmed that the single outstanding loan had 121 qualifying payments, but would not process forgiveness. This loan is now going back into repayment and Mohela is expecting me to make payments on a loan that should be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NC

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been banking with Regions for over 3 years and I am continuing to experience the same issues with unexplained and fraudulent overdraft fees and being charged maintenance fees with no real explanation on my account. I was apart of the first lawsuit settlement and only received returned overdraft fees but no compensation for the damage done on Regions part and yet I am still going through the same fraudulent overdraft fees. On Friday, XXXX, I reached out to Regions and was lied to about the overdraft fee charged for {$XXXX} due to a unexplained maintenance fee that just started being charged 3 months ago when I should have been meeting the requirements over the past year or more and was not being charged anything but the last 3 months I was charged and the representative claimed its because I am not depositing at least {$XXXX} in my acct each month but Ive been depositing {$XXXX} biweekly and have been doing so over a year and was not being charged, but all of a sudden fees started showing up. The representative said its because it should be {$XXXX} in XXXX deposit or a total of {$XXXX} over a month but that apparently that has not been the case of the last year and was never notified that I needed to pay a maintenance fee. She refunded all XXXX maintenance fees back and after hanging up I noticed she did not give me my overdraft fee back so I called back and this representative claimed the overdraft fee was for a {$XXXX} fee that went into overdraft days ago which was paid before the grace period and I have pics to show proof so she gave me my overdraft fee back. I need to be compensated for all of the stress and time Regions has put me through or I am going to file another lawsuit against your company and now I have to reroute all of my bills because I can no longer keep Regions. Its too much work trying to keep up with all your high cost fees and lies.

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 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I dont recall when my cc was canceled. My cc was canceled due to XXXX XXXX XXXX having another contract with a different cc company. I continued paying my account with direct deposit. 
I never received communication ( statements or any communication ) from XXXX XXXX Bank. Also, they had on file an incorrect email. 
I remember that my payment for the promotion would end around XXXX XX/XX/year>2024. However, I didnt receive statements on the account. 
Around XXXX.24 I called XXXX Bank and started getting the round around to revisit the lack of communication from them about the promotion with differed interest. 
On XXXX24- I received a letter from XXXX Bank XXXX they acknowledged the receiving of my complaint and statements will display a credit or credit balance to assure, I wasnt paying any disputed amount, applicable finance charges, or fees during the investigation. 
On XXXX24- I was charged {$76.00} in interest. 
On XXXX24- I was charged {$73.00} in interest. 
On XXXX24- I paid {$2900.00} to pay for the balance on the account due to fear of XXXX XXXX Bank 's lack of response and communication since XX/XX/scrub> 2024. 
On XXXX.24- Im charged another {$54.00} in interest after paying the balance on XXXX.24. This confirmed that they had a wrongful intent to deal with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-08-26 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: CA

Complaint narrative:
I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 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 non-monetary relief
Consumer complaint received 2024-08-26 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: MA

Complaint narrative:
Based on, 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file consumer that the consumer identifies as information that resulted from identity theft, not later than 4 businesses days after the date of receipt.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 Section 602 A states I have the rights to privacy.

Pursuant to 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting that provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this actually an account that belongs to me. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-08-26 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: MA

Complaint narrative:
Based on, 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file consumer that the consumer identifies as information that resulted from identity theft, not later than 4 businesses days after the date of receipt.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 Section 602 A states I have the rights to privacy.

Pursuant to 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting that provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this actually an account that belongs to me. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information. 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 non-monetary relief
Consumer complaint received 2024-08-26 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: OH

Complaint narrative:
I received from transunion credit reporting investigation which came back verified XX/XX/year> file # XXXX they didn't send me proper investigation as far as this account reporting HUGE ERRORS, AND MY RIGHTS HAVE BEEN VIOLATION FROM LACK OF PROPER INVESTIGATION

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 2024-08-26 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: SC

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-08-27 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:
Consumer Name : XXXX XXXX Social Security XXXX : XXXX DEAR Experian, To Whom It May Concern this is my 2nd Request : I received a copy of my credit report a few days ago and am writing to dispute these items on my report that needs to be corrected. I have circled and numbered the items on the attached copy of the report. The reason why this item should be corrected is indicated below : ACCOUNT NAME : XXXX XXXX Open XXXX : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open XXXX XXXX XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT XXXX : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. According to the provision of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be reinvestigated or deleted from my credit report within 30 days. In the interim, this item should be noted on my credit report as in dispute. I am also requesting the names, addresses, and telephone numbers of individuals you contact so that I may follow up. Also, my last cfpb complaint # XXXX to show I reported this issue multiple times. 


If it is determined through your investigation that the disputed items is inaccurate, please correct my report and send me a notification that the information has been updated. I am requesting an updated copy of my credit report, which should be sent to the address listed above or email. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 


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 2024-08-26 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/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.

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!

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following information, which I have listed as the XXXX items in addition to a copy of My Identity Theft report, Consumer Financial Protection Bureau report ( s ), and evidence to improve my situation, I request that these items be removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: MA

Complaint narrative:
XXXX. XXXX, 2024, {$1100.00} And XXXX XXXX, XXXX Equifax According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report

Company response to consumer: Closed with non-monetary relief