vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KCB Credit LLC
State: AZ

Complaint narrative:
I am in process of purchasing a home. My credit was ran & a balance owing was reflecting on my account with XXXX that had previously been paid in full. 

The account was reporting a balance owed of {$650.00} with no lates on my report on XX/XX/XXXX. A request was made to rescore my credit report to reflect correct balances for the creditors I paid off & requested for the reported information to reflect the balance paid in full. 

Upon that request my credit report dated XX/XX/XXXX reflects lates were then added to the credit report after the fact. I requested removal of the lates and was told I would receive a letter to confirm the lates were added in error and the creditor send a paid in full letter not addressing the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  : number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX : number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This is in regards to my husband, XXXX XXXX 's XXXX account tied to his Citizens Bank Checking account. In XXXX of XXXX, a XXXX credit account was created by an unknown unauthorized user. This user, then purchased multiple items in the amount of {$8800.00}. Notably, the items were purchased in multiples, suggesting that the scammer was purchasing inventory to likely sell online. We never received any of the items and didn't find out about the fraud until an email from XXXX in XX/XX/year> saying that there was fraudulent activity of the account. 

Then looking into the account, we found that there was money transferred from the Citizen 's bank account to the XXXX account without our consent and knowledge. Separate and apart from the XX/XX/year> unauthorized purchases, XXXX wrongfully removed {$3700.00} from our Citizens account on XX/XX/year> ; despite these charges also being the product of fraud. Citizen has refused to refund any of the money stating that the time period has been too long since it originated in XXXX and it was not until XXXX that we found out about it. 

XXXX since has refunded the {$8800.00} to the account and deemed that the account was hacked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the following accounts that are still appearing on my Experian credit report, despite being past their expiration date : XXXX XXXX XXXXXXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXX XXXX XXXX XXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXX XXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
I have reviewed Experian 's guidelines and it clearly states that these accounts should no longer be included in my credit report. I request that you investigate this matter and take the necessary steps to have these accounts removed from my credit report. 

Thank you for your time and attention to 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is a follow up of a previous claim that was denied. The issue is that money was sent for a grant which never issued. I am working with XXXX  to return the money I sent since the grant was not provided. I am requested Wells Fargo to take some responsibility in this fraudulent activity and return the {$980000.00} that their clients frauded from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This complaint is about my Business Citi Money Market Account and the account bonus of {$1500.00} realted to my Buisness checking and Business Money Market account. I opened both buisness checking and business money market account on XX/XX/year> and deposited {$100000.00} to my Citi business money market account on XX/XX/year>. 

According to the terms and conditions, and I also confirmed this with Banker before I deposited the amount of {$100000.00} that as long as I have funds deposited within 45 days of account opening and then keep those funds ( in this case {$100000.00} ) for 45 days or more, I will get {$1500.00} bonus. I have not received the bonus even though I met all the terms and conditions of this offer. I have also attached a pdf of this offer with this complaint. 
Further, upon checking my money market account, I realized that I was charged service charge of {$0.00} on XX/XX/year> and another service charge of {$0.00} on XX/XX/year>. I went to a branch near me and inquired about this issues but never got any response. 

I would like to get these issues resolved in timely fashion. Looking forward for the reply.

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 2024-11-13 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it 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 2024-11-13 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit report due to a data breach that has compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that these accounts be removed to prevent further harm and to maintain the integrity of my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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 with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: AZ

Complaint narrative:
I am in process of purchasing a home. My credit was ran & a balance owing was reflecting on my account with Lendingpoint that had previously been paid in full. 

The account was reporting a balance owed of {$650.00} with no lates on my report on XX/XX/XXXX. A request was made to rescore my credit report to reflect correct balances for the creditors I paid off & requested for the reported information to reflect the balance paid in full. 

Upon that request my credit report dated XX/XX/XXXX reflects lates were then added to the credit report after the fact. I requested removal of the lates and was told I would receive a letter to confirm the lates were added in error and the creditor send a paid in full letter not addressing the lates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
We refinanced our car loan from Bridgecrest XX/XX/XXXX Our new car Loan XXXX XXXX confirmed payoff proceeds were sent to Bridge Crest. I called Bridgecrest this morning XX/XX/XXXX, was placed on hold for XXXX minutes ( XXXX XXXX ), the rep advised me she checked with Accounting and there was no payoff received. 

The XXXX payment due to Bridgecrest was XX/XX/XXXX, on XX/XX/XXXX we received an intent to cure/reposses letter from Bridgecrest advising XXXX had until XX/XX/XXXX to make the payment of {$780.00}. See the letter attached. We are not XXXX late and Bridge Crest is sending an intent to reposs letter... 

We called our new car loan company back, XXXX XXXX XXXX XXXX back and they provided tracking number XXXX XXXXXXXX and copies of the payoff checks for the car loan. 

It is absolutely insane for Bridgecrest to send intent letters to reposses to a consumer who provided them with all pertient information to support the payoff of the car loan, via date of payoff checks, dollar amounts and the date the checks were cut. But yet, we continued to receive collection text messages and letters to collect. Is this not a violation of the FCPA LAWS. If a consumer tells the company there is a payoff forthcoming based on an approved car refinance, you would think Bridge crest would stop all collection activities.NO NOT Bridgecrest they have the worst collection practices ever. Attached are the payoff checks with tracking to Bridgecrest.

Company response to consumer: Closed with explanation