vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My account with BRIDGECREST 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 in those account to be removed.

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.

BRIDGECREST 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-08-21 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On Sunday XX/XX/year> around XXXX I attempted to withdraw {$900.00} from an ATM located inside the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The ATM notified me there would be a {$9.00} fee for the transaction bringing the total amount to {$900.00}. I accepted the {$9.00} fee and proceeded with the transaction. The ATM then showed an error message and failed to dispense any receipt. The ATM did not dispense any cash and I walked away empty handed. When I checked my bank account I saw the {$900.00} charge as pending onto my checking account. 

The following day on Monday XX/XX/year> the pending charge of {$900.00} posted to my account. Once I saw the charge had posted to my account I called the claims office at Chase Bank. They opened a dispute claim for me and temporarily refunded the {$900.00} to my account while they investigated. Also on Monday XX/XX/year> I called XXXX XXXX Security to see if I could obtain any footage of myself at the ATM. They told me the footage was good for two weeks but since I had already submitted a claim with Chase and they were investigating, I didnt pursue the surveillance video any further. 

Fast forward to Tuesday XX/XX/year> when I got a Chase mobile app notification that my account had been overdrafted. When I checked my account the overdraft occurred because Chase claims posted a claim reversal and the {$900.00} went back onto my checking account. 

I then called Chase Claims on Tuesday XX/XX/year> and they had informed me their investigation finished and the ATM company claims the funds were released to me. Chase claims instructed me to file a police report. After getting off the phone with Chase claims I called XXXX XXXX security again to see if its somehow possible for me to obtain the surveillance video but was told they could not give me any information since I was not the police. 

On Tuesday XX/XX/year> I went down to the XXXX XXXX XXXX center in XXXX XXXX, NV and filed a police report with XXXX XXXX. After filing the report I was instructed by XXXX XXXX to call the financial crimes division. Once I got home on Tuesday XX/XX/year>, I called the financial crimes division and left a voicemail since they didnt answer. 

On Wednesday XX/XX/year> I called financial crimes again and left a message. I also emailed financial crimes. I got an email response from them later that day and after some back and forth conversation of explaining my story, the financial crimes division of the XXXX XXXX XXXX police says what happened to me is not a crime. 

Now I am stuck and dont know where to go from here. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: UT

Complaint narrative:
Subject : XXXX XXXX XXXX Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove late payments from my account with XXXX XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payments on my XXXX XXXX XXXX account ( Account # XXXX ), which have been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau and XXXX XXXX XXXX comply with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America N.A. Is not resolving our problem of a fraud made on our Account and the fraudulent activity performed on XX/XX/year>. 

The Frauds consisted in three ( 3 ) transfers of funds made on the same date and for the amount of {$18.00} ; for the amount of {$20.00}, and for the amount of {$22.00} for a Total of {$60.00}. 

We, The Accountholders, ratify that we did not consent nor in any manner facilitated any such transfers. Furthermore, as the Bank should have identified, the Frauds were evidently out of the ordinary parameters of operation of the Account, considering, among others, the type of instruction ( wire instruction ), the amounts of the instruction ( {$18000.00}, {$20000.00} and {$22000.00} ), the frequency of the instructions ( 3 in one day ) and the designated beneficiaries ( no prior beneficiaries ). 

Promptly after We learned of the Frauds, we gave notice to the Bank and made the claim for the reimbursement of the amounts unduly debited from our Account. Instead of reimbursing the Wrongfully Debited Amounts, the Bank closed the Account and sent us the remaining balance in a check. Such closing was by itself a damaging event to us, an innocent victims of the Frauds, because of the inconvenience that it implies. Up to this date, the Bank has not pay us the Wrongfully Debited Amounts, adding to the damages already suffered.

We made our claims to the Bank over the phone and ratified them in several occasions. At the same time, we made unsuccessful follow up calls and sent letters to the Bank confirming our complain. Also, per the Banks suggestion, made their claims known to the Consumer Financial Protector Bureau ( CFPB ), XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Finally, we made an in person claim at a Bank agency as soon as we could. We resided outside of the country at the time of the Frauds and the Covid 19 pandemic and subsequent government travelling restrictions prevented us from doing it earlier.

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 2024-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
It is claimed I owe XXXX {$820.00} for an unpaid cell phone bill. XXXX then sold my debt to a 3rd party company, how many times I am unsure, but the current holder of the fraudulent debt is Jefferson Capital System. The debt was opened in a state I have never resided in for a company I have never utilized. I have attempted to correct this via XXXX and they have told me there is nothing they can do. I filed a dispute with XXXX and they certify the debt is accurate. I personally do not dispute the debt is a valid debt, owed to XXXX, my dispute is, I am not the person who sought and received the cell phone plan ( debt ). I have reached out to the current company who holds my debt AGAIN on XX/XX/year> to get this resolved and their phone systems are off line via an automated message. The phone number I attempted was ( XXXX ) XXXX, the number provided for the company under the collections tab on XXXX 's website. I have not been able to get the following information : Where was the debt opened up and what date said debt was opened up. As a former member of the XXXX XXXX XXXX, I may have not even been in the country at the time of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
Please remove this from my credit report XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX 

This names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine please also update my information. I did not make any inquires or anything with these names. 

the following addresses are not mine

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 2024-08-21 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: MO

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/XXXX amountXXXX XXXX XXXXXXXX XXXX XXXX reversed these payments to credit karma they have provided me the transaction Id credit karma states they do not see any reversed transaction from cash app. Now cash app states that they have no further information to give me I have to take it up with credit karma and that are not trying to help me at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: VA

Complaint narrative:
I have sent a letter and a dispute, they have not verified the debt I do not recognize the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: MO

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Ive had a borrowers defense case open for 8 years. My case in turn has fallen under sweet verse XXXX lawusuit. Under the terms of the lawsuit XXXX entitled to receive all payments made during the course of the loan. The servicer has until XX/XX/year> to have the process completed under the terms. I have attempted to get information on my refund but my case has been open for a month with no update or resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This reporting account is fraudulent, the consumer name they are reporting is NOT ME and NOT MY NAME. Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 Sec. 602 ( A ) states I have the right to privacy. 15 U.S.C 1681 Sec. 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Account name : XXXX # XXXX negatively reporting on my consumer file violates my consumer rights. I looked at my Equifax credit report on XX/XX/year> and noticed some incomplete, inaccurate, and negative reportings. According to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 ( s ) ( 2 ) they are not legally permitted to 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. According to 15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing these items of information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX has committed aggravated identity theft., I did not give this company written permission to report any information or share my personal information with no third parties. I also do not have a signed contract with you. How can you validate debt that you purchased for pennies. Please remove this account that does not belong to me.

Company response to consumer: Closed with explanation