vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: RentDebt Automated Collections, LLC
State: KY

Complaint narrative:
I recently reviewed my credit report and found fraudulent accounts and information. 
XX/XX/scrub>XXXX 
Please remove all fraudulent accounts and information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX issue date XX/XX/year> Claim number : XXXX Check number : XXXX XXXX never made corrections to my credit reports. Removing all negative information.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check issue date XX/XX/year> Claim number : XXXX Check number : XXXX XXXX never made corrections to my credit reports. Removing all negative information.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'm writing to the CFPB hoping I can get more information from Bank of America. I currently have a checking, savings, and brokerage account with Bank of America. I love the app, the ecosystem and the customer service. The only thing I'm missing from them is a credit card so I can have everything together in one bank. The last credit card I had with them was closed in XXXX, XXXX. I remember I called Bank of America and requested for the account to be closed since I wasn't planning on using it. It was a Premium Rewards Card. Fast forward to XX/XX/XXXX and I applied for a Bank of America Customized Cash Rewards. The application was denied, and the denial letter showed the reason as : " An account with us and/or our affiliates has been revoked ''. When I got that letter with that reason I got scared, since I've never ever had any accounts revoked. Any and every account that is closed on my credit reports has been closed at my request. My credit report shows XXXX delinquencies, collections or problems ; and 100 % payment rate. I contacted all credit bureaus by phone, and reviewed with them on the phone each and every account on my credit report for the last 20 years. Not a single one of them showed anything other than closed at consumer request. No negative marks. Nothing negative. With this information I called Bank of America. A very nice gentlemen understood my concern and went through all my credit history, as well as internal bank information. He couldn't find anything negative on my credit report or internal " file '', so he asked me to hold while he spoke with a " credit coach ''. After the " credit coach '' reviewed all my information, I was told Bank of America shows in their system that the Premium Rewards card I called to cancel in XXXX XXXX XXXX shows as if they ( the bank ) closed it due to inactivity. And because of this, the system interprets it as if the account was revoked. I'd love for Bank of America to fix their internal file of me and/or systems so that I can apply for the same card. I'm very worried that somebody or a system made a mistake internally by miss-cataloguing the account I closed as an account the bank decided to close. I hope you can help me and can see I have other accounts with Bank of America and continue to deposit money frequently.

Reference 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiry Dear CFPB, I am writing to formally dispute an unauthorized credit inquiry appearing on my credit report and I did not authorize or initiate this request.

This is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which requires creditors to obtain written or direct permission before accessing my credit report. I kindly request your assistance in investigating this matter and ensuring the removal of this unauthorized inquiry from my credit report.

I have included the following documentation to support my claim : A copy of my credit report highlighting the disputed inquiry.

Any relevant correspondence ( if applicable ).

Thank you for your attention to this matter. Please feel free to contact me for further information or clarification. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc.
State: FL

Complaint narrative:
I received a collection letter from an attorney ( see attached letter ) demanding that I reimburse money for amounts overpaid by XXXX insurance. They claimed that the check was sent to me, not the patient, which is not true. I do NOT accept direct reimbursement from insurance companies and do not participate in insurance plans. The patient 's ledger ( if you need this I will copy and redact the patient 's name for HIPAA compliance ) will show that the patient paid my practice directly and that we did not receive any reimbursement from XXXX. XXXX will not be able to supply the front and back of a check directed to me as I did not request, nor did I receive one. I attempted to call the number but they do not answer the phone. I therefore reached out via email, and advised them that if they did not correct their error I would report this to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: MT

Complaint narrative:
I signed up to use their app for a purchase. I was approved and was then charged {$17.00} to use their app for the purchase. They charged me again for {$17.00}. The fee was too costly for me so I asked them to cancel my subscription and refund me the second fee of {$17.00}. They will not do it and said I had to ask for it to be done which I did and in the time frame it was to be requested. However, they claim I did not and will not initiate my refund for the payment cycle. I have asked and emailed them about 29 times and each time they refuse and will not call or help me. I am tired of these companies stealing people 's money. I can not afford to lose out on any money in this economy. I am so disappointed in this transaction it makes me never want to trust these companies ever with my business. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX T

o Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to
be removed ) : [ XXXX XXXX XXXX XXXX XXXX XXXX Texas  ] [ XXXX XXXX XXXX XXXX XXXX XXXX Texas ] There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX  ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ] Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly.

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

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 2025-01-07 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: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Email : XXXX Phone : XXXX Experian Information XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX XXXX XXXX XXXX, Texas ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I HAD APPLIED FOR FEW AMERICAN EXPRESS CARD ... XXXX ALL DENIED BECAUSE THEY SAID I APPLIED FOR BANKRUPTCY AND THEY USED MY XXXX CONSUMER REPORT. I CALLED XXXX... XXXX SAID THERE IS NO BANKRUPTCY IN MY CREDIT REPORT ... I GO BACK AND FOWARD BETWEEN AMERICAN EXPRESS EXPLAINING THEM THAT THERE IS NO BANKRUPTCY IN MY REPORT. AND SO ON .THEY SAID CONTACT XXXX TO FIX THAT PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
Subject : Dispute of Re-Aged Collection Account and Unauthorized Reporting I am writing to dispute a collection account reported by Jefferson Capital Systems that appears to have been re-aged. Details of the account are as follows : - Account Number Ending : XXXX, XXXX, and XXXX ( the account numbers don't match which is inaccurate as well. 
- Original Lender : XXXX - Balance : {$1000.00} The account 's assigned date of XX/XX/year> does not align with the date of first delinquency with XXXX. If the delinquency date has been altered to extend the reporting period, this constitutes a violation of FCRA 623 ( a ) ( 5 ).

Additionally, under FCRA 604 ( 15 U.S.C. 1681b ), I did not provide Jefferson Capital Systems with explicit written consent to access or report my credit information. If such consent exists, I request immediate documentation of this authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TN

Complaint narrative:
A data breach has accure an i have zero recollection of thing on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
These student loans should have been forgiven as they were loans that equaled up to 2/4 years and I only did XXXX semester. I paid over what I should have and no student loans should still be going, no XXXX payments, I can not afford these payments. Please remove these off of all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TN

Complaint narrative:
According to my consumer report I pulled on ( XXXX XXXX XXXXXX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX ) such authority. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX ) and the corresponding information is not listed on my consumer report. This account should be promptly updated as ON TIME. 
1. XXXX, XXXX, XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

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 2025-01-07 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: 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.

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 explanation