vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Back in 2022 I had multiple unauthorized charges on my account. I disputed the charges which I was granted a temporary credit. The credit was then reversed and my account was negative {$900.00} even thought these charges were not me they were fraud. I disputed with check systems and the bank over several months. I am now seeking litigation because this inaccurate information is hindering me from moving forward in life like stopping me from getting business funds and buying a house. These charges were not me and I have multiple police and identity theft reports showing this was fraudulent. The bank responsible is Bank of America.

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 2024-12-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I am filing a Discrimination Complaint with the U.S Department of Education, Inspector Generals Office. XXXX is forcing me to pay a XXXX XXXX. I have my XXXX XXXX records from XXXX XXXX XXXX, XXXX of XXXX. There is no record of any Student Loans, no record of any Disbursements made to me to substantiate I received any funds from this XXXX XXXX. I am not disputing the origination of this XXXX XXXX. XXXX can ONLY prove this Student Loan originated XX/XX/year>- but they can not PROVE any funds were disbursed or allocated to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the amount of disbursements made to me, in my name, any canceled check, any deposit slip to my bank account, any evidence that I received any FUNDS from XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no proof I received any money from this XXXX XXXX. Also, I am being held accountable to pay back the FULL AMOUNT of {$4000.00}, in which, I did not even attend class for a FULL Summer semester. XXXX XXXX SHUT DOWN the City of XXXX XXXX in the Summer XX/XX/year>. I was unable to attend the Full Summer session. XXXX XXXX XXXX does NOT disburse the FULL Total Amount of Student Loans all at XXXX time. It is disbursed as needed PER-Semester/Class credit hours carried. XXXX is violating my rights and is discriminating against me. I will defend my Civil and Human rights until JUSTICE is 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 2024-12-19 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: DE

Complaint narrative:
I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX  - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
An unauthorized transaction occurred on XX/XX/24, to my venmo debit card iao {$300.00}. I have disputed the transaction to Venmo who quickly denied my dispute. Funds need to be returned. This company has violated reg E, reg, P, and I am highly concerns for the instituations UDAAP policies in handling such situations. Fair banking and lending need to investigate this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. XXXX Inquiry from XX/XX/year> XXXX. XXXX XXXX- Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XX/XX/year>, XXXX XXXX  Inquiry from XXXX XXXX XXXX. XXXX Inquiry from XXXX XXXX XXXX. XXXX XXXX Inquiry from XXXX XXXX XXXX. XXXX  XXXX Inquiry from XX/XX/year>

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate, and please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX FL, XXXX You did not confirm BANK OF AMERICA # XXXX According to the FCRA, accounts that have been disputed by the consume must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove 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 2024-12-19 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX which I have had a XXXX balance for over 6 months, reported my XXXX payment as late. I double checked, and the balance was still XXXX. I am set for auto-pay just incase there would be a fee. There was no payment due, no balance, and they marked me LATE. I contacted them about it and they told me to fix it through the credit bureaus myself!!!

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 2024-12-19 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - $ XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have been making payment to XXXX XXXX  for years they recently went bankrupt and closed stores. I paid over {$800.00} dollars for insurance on my furniture which is good until XXXX of XXXX. Well repairs have been in for my furniture since XXXX of last year and they still have not came out to fix my living room furniture. They should compensate me for the insurance since they are no able to fulfill their obligation which is around the same amount left owed on the account. It is only far because I have to go buy new furniture due to their furniture falling apart on me and them not fixing it even though I paid for the warranty coverage. They should refund me the warranty coverage amount since they can't fix my furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
On XXXX In response to my most recent dispute, XXXX responded saying " they contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' This is FALSE! XXXX being the furnisher has affirmed ( providing correspondence ) SEE ATTACHMENT- that upon investigating per my dispute, they have located and removed the item. 

This willful non-compliance is causing harm to my credit worthiness due to inaccurate reporting. 15 U.S.. 1681n.

15U.S.C.1681i : Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( XXXX ) 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. 

I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the UNVERIFIED item- Bankruptcy case # : 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 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
This company is attempting to collect the wrong amount owed. The company has collected direct payments for the account in question since being reported. This should not be on my credit report due to company and customer agreement of direct payments to their office. This company is/will continue to report inaccurate amounts to my credit report with the knowledge of payments being made/accepted by the company owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I found below credit cards, opened under my identity : XXXX. XXXX XXXX. Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: ID

Complaint narrative:
My account was locked on XXXX XXXX XXXX due to suspected fraud. I have contacted them many times telling them there was no fraud and to unlock my account and they give me generic responses and will not unlock my account. They say for my protection but as no fraud had happened. I have asked many times for it to be unlocked. It has all funds I have in that account. They left me stranded at night when it was below XXXX degrees I had to beg my ex to drive XXXX miles to get me and leave my car without gas. And me with no cash due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I am writing to alert you to the inaccuracies in my credit report, specifically concerning the dates associated with my accounts and the company policies regarding late payments. 

Upon reviewing my credit report, I noticed that XXXX points were deducted on XX/XX/year> due to a XXXX late payment by Ally Financial. This information is inaccurate, as I paid on time within their XXXX time frame. My payment history should accurately reflect that my account was not XXXX  days late on that date. Additionally, I would like to address the lack of communication from Ally regarding their policy on late payments. 

On XX/XX/XXXX, my car was recalled, and I was at the dealership for an approximate month. I contacted Ally requesting an extension of my payment due to my care for my credit history. They declined the extension and informed me that no adverse reports would be on my report unless " XXXX  days pass due. '' My missed payment was on XX/XX/year> in the amount of XXXX I paid XXXX on XX/XX/year>, which covered the XXXX payment. At this point, I owe XXXX for XXXX. 

On XX/XX/year>, I made a payment of XXXX toward my past-due XXXX bill, leaving me with a XXXX past-due balance. 

On XX/XX/year>, I paid XXXX, XXXX, which went towards my XXXX past-due balance, leaving me with a balance of XXXX for my bill due on XX/XX/year>. 

On XX/XX/year>, I made a payment of XXXX, bringing my payment history current. ( There were some late charges that I would like to be reimbursed for ) According to Manager XXXX XXXX, whom I spoke with on XX/XX/year> at XXXX XXXX. my payment was considered XXXX  days late on XX/XX/year> because I made payment at XXXX XXXX, which was after hours. I asked XXXX to provide me with signed documentation stating this policy because it was not included in my signed documents from the dealership, and this was my first time hearing such a thing. He proceeded to tell me there wasn't XXXX. Clients should receive documentation regarding late payments to avoid late fees and negative reporting. Unfortunately, I did not receive such notifications, which contributed to the misunderstanding regarding my account status. I request a thorough investigation into these discrepancies by filing XXXX disputes. 

I would like Ally to correct these inaccuracies, remove the negative remark from my credit, and regain the XXXX points I lost due to their failure to provide their clients with important information. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
CARECREDIT sent me a letter on XX/XX/year> stating that a credit product was unfortunately unable to approve when I did not request nor applied for anything. I have a strong feeling that this is done by an Ex husband who is being accompanied by the current wife. This is not the first time this has happened without my authorization. He currently Knows my most recent address due to Child support papers that was just updated beginning of this year. My files with my information was supposedly, accidentally sent by a XXXX  XXXX so everything was on there.

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 2024-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
It was several times before XXXX between XXXX and XXXX amounts of $ XXXX {$370.00}, until it reached about {$420.00} several times in the courses of every other month then every month until.. even the bank reported it.. and then again but the bank says it was backtracking last year and the beginning of this year and they questioned me of have I ever had any problems with making purchases I said yes last year 2023 and some off and on XXXX XXXX through XXXX. Ongoing through this XXXX My SSi was cut off after XXXX XXXX I was hoping to keep this bank unless I need to get another bank for my federal treasury holdings/ back pays that I'm owed.. due to a breach of contract between the state and Federal financial managements.. I just need my money, the time and compensation for all of the issues and my credit restored.. I achieved a XXXX score last year and after all the issues that was not my fault my credit fell because of them this year I re-achieved XXXX... Now it has fallen again because of the issues that Chase has told me about and now are taking effect on my life stakes .. credit scores, bank account, credit card, savings account I was achieving my credit scores for .. and future out-looks on what all I could have accomplished by now forwarding my future.. I have kids and a family to take care of and a family business to educate my kids for.. I can't even get a standing point while I'm going through all of these hardships because of the state breaching a contract with the federal government.. and what my bank faces and what I have to face because of it.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account 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 XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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