vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: MD

Complaint narrative:
Dear CFPB, I am writing to file an urgent complaint regarding multiple billing errors that I have identified on my credit report, which constitute violations of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) - billing error. 

Violations Identified : Time to Make Payments : As per Section 15 U.S. Code 1666 ( b ) ( a ), a creditor must ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. My creditor failed to comply with this requirement, resulting in erroneous late payment notations on my credit report. 

Failure to Reflect Payments Properly : Under Section 15 U.S. Code 1666 ( b ) ( 4 ), the creditor did not accurately reflect a payment made by me on the statement. 

Computation Errors : According to Section 15 U.S. Code 1666 ( b ) ( 5 ), there are computational or similar accounting errors on the statement issued by the creditor. 
Given that the creditor did not notify me 21 days prior with a statement, there should be no late payments recorded on this account. I demand solid proof from the creditor 's bank account records demonstrating that I failed to make the payment and was consequently marked late. This situation clearly constitutes a billing error.

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 2024-06-07 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: MD

Complaint narrative:
Dear CFPB, I am writing to file an urgent complaint regarding multiple billing errors that I have identified on my credit report, which constitute violations of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) - billing error. 

Violations Identified : Time to Make Payments : As per Section 15 U.S. Code 1666 ( b ) ( a ), a creditor must ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. My creditor failed to comply with this requirement, resulting in erroneous late payment notations on my credit report. 

Failure to Reflect Payments Properly : Under Section 15 U.S. Code 1666 ( b ) ( 4 ), the creditor did not accurately reflect a payment made by me on the statement. 

Computation Errors : According to Section 15 U.S. Code 1666 ( b ) ( 5 ), there are computational or similar accounting errors on the statement issued by the creditor. 
Given that the creditor did not notify me 21 days prior with a statement, there should be no late payments recorded on this account. I demand solid proof from the creditor 's bank account records demonstrating that I failed to make the payment and was consequently marked late. This situation clearly constitutes a billing error.

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 2024-06-07 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated My rights 15 u.s. c 1681 section 602 A states I have the right to privacy. 15 u.sc 1681 section 604A section 2 : it also states a consumer reporting angency can not furnish a account without My written instructions

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had a Bank of America Business Adv Unlimited Cash Rewards credit card ( XXXX ) since, I believe, XXXX of XXXX. 

In XXXX of XXXX, I went into a Bank of America branch in XXXX to speak with a business XXXX about my credit card account and the possibility of product changing from my Business Advantage Unlimited Cash Rewards credit card to another card. I did not make an appointment and simply walked in. 

While in the branch and waiting for the specialist to receive an answer from his manager regarding a question, my banking specialist informed me of a promotional offer for a business checking account - essentially, if I opened a business checking account and deposited more than {$30000.00} in the first 30 days and maintained that balance for another 60 days, I would receive a cash bonus of {$1000.00}. 

The representative emailed me a link to apply for the checking account and I filled out and submitted the form from my phone while sitting in the branch while we waited for an answer. I did not maintain a copy of this email - I used it to apply and deleted it. 

As per provided documents, I satisfied the conditions of the promotion, but have not been awarded the bonus. I called BOA sometime in XXXX to inquire about the bonus and while the representative was sympathetic, they asked for a specific promotional code to enter into their system. I explained that I didn't have a promo code because I was targeted for the offer in-brand and simply clicked a link, and they said that they'd speak to a manager and get back to me. I never received a return phone call. 

Subsequently, I have XXXX  the issue and it seems like several other people online have had similar problems -- other people have received links from bankers and not had the bonus applied, and have spent time on the phone with BOA staff trying to apply a promo code to the account after the fact. I have tried to do this several times but have been met with long wait times. 

Appreciating that I have been a Bank of America business customer prior to this promotion and have maintained my balance in the account ever since, I would appreciate some assistance in resolving the matter. 

Thanks.

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 2024-06-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I checked my credit and saw an account from I C SYSTEM INC on behalf of XXXX XXXX XXXX for {$2000.00}. I contacted XXXX XXXX XXXX  was told an account was fraudulently applied for and several phones were purchased. The bill was never paid and the account was charged off. I filed an FTC report for identity theft.

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 2024-06-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I sent a Notice of dispute to the credit reporting agency via mail to the address they provided to send disputes to. I had not received any results for that dispute and on XX/XX/year> I sent another Notice indicating that the results should have been rendered according to FCRA 15 U.S.C. 1681i ) a ) 1 ) A ) also violating 1681i ) a ) 1 ) B ). Both Notices are attached. As well as certified mail tracking for the Second Notices sent which contain both the first notice and second notice.

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 2024-06-07 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-06-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-06-07 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: MD

Complaint narrative:
Dear CFPB, I am writing to file an urgent complaint regarding multiple billing errors that I have identified on my credit report, which constitute violations of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) - billing error. 

Violations Identified : Time to Make Payments : As per Section 15 U.S. Code 1666 ( b ) ( a ), a creditor must ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. My creditor failed to comply with this requirement, resulting in erroneous late payment notations on my credit report. 

Failure to Reflect Payments Properly : Under Section 15 U.S. Code 1666 ( b ) ( 4 ), the creditor did not accurately reflect a payment made by me on the statement. 

Computation Errors : According to Section 15 U.S. Code 1666 ( b ) ( 5 ), there are computational or similar accounting errors on the statement issued by the creditor. 
Given that the creditor did not notify me 21 days prior with a statement, there should be no late payments recorded on this account. I demand solid proof from the creditor 's bank account records demonstrating that I failed to make the payment and was consequently marked late. This situation clearly constitutes a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Called and went in person to TD Bank in XXXX NJ to close my account for past three months. Company continues to charge maintenance fee without closing account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-06-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX the vehicle was involved in a horrible accident and was a total loss. I contacted the lender to inform them on XX/XX/XXXX and I was not given any instruction on what the next steps were. On XX/XX/XXXX I noticed Bridgecrest updated my credit report to repossession on XXXX, closed on XXXX and open on XXXX. 
I reached out to the 3 credit bureaus for them to validate and correct the inaccurate information and the lender has continuously updated the account as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
It says they cant access my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I originally responded to a text XXXX XXXX XXXX, from Columbia Debt Recover LLC DBA Genesis. He sent me on XXXX at XXXX XXXX  to provide me with a contact number to discuss the debt. He responded to my request via text on XXXX at XXXX XXXX  with the phone number. requested to receive information from him since he texted me. He called my spouse and son who are also on the debt on XXXX and XXXX. I called at XXXX XXXX  on XXXX, spoke to XXXX XXXX, at XXXX XXXX. I asked him to " please '' stop calling my son and stop verbally aggressive. My son also asked XXXX XXXX asked him to speak to me since I handle the finances. He kept being verbally aggressive and my son ended the call. When I requested the same thing about contacting me he began arguing with me and being verbally aggressive. I asked him to " please '' stop and I wanted to speak to his supervisor. He dismissed my request twice and continuing chastising me and being verbal with me. I requested to receive a written notification of the debt, the amount and other supporting mailed to me. I also informed him about the FTC laws about debt collecting. I requested for him to stop contacting me until I received the information I requested. He still verbally being aggressive. I then terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: CA

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.

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