vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-09-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-09-10 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 this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-09-10 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting a reinvestigation of the following items on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-10 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 2024-09-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
XXXXm reaching out for assistance with an issue Im experiencing with Mohela. I was properly enrolled in autopay before their platform migration, and I remain enrolled now. However, autopay failed to process my payments of {$410.00} for XX/XX/year> and XX/XX/year>, even though I was enrolled throughout. I never elected for any pauses or forbearance, so the payments should have been processed automatically each month. The issue corrected itself by XX/XX/year>, but the missed payments for XXXX and XXXX have not been accounted for, and Mohela has not resolved the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: NY

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. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disappointed and has finally asked FTC to investigate this case. I am writing to inform you that these inaccuracies in my report is very damaging not only to me and my mental health, but also to my credit file. I am very much scared of what the future holds because of the fear that this situation is giving me. Please reinvestigate my case and immediately remove these accounts off my report.

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I had a check for {$660.00} and a cash of {$1400.00} to deposit, since i got off at work at XXXX, by the time I traveled to my bank location in XXXX XXXX it was past XXXX, so I had to use the ATM for my deposits. There are XXXX cameras watching the ATM and there was a security officer sitting near the ATM also, the machine asked if I wanted to deposit check or cash or both, so I selected both. It asked me to deposit the check first which I did, then it asked me to deposit the cash, I also obliged but the ATM sucked in both the check and the cash and would not return anything. 
A notice appeared on the screen saying that this transaction could not be completed, that I should contact the XXXX number which is the same as the number on the back of my debit card which I did. The customer service rep said not to worry, that a temporary credit will be issued to my account pending their investigation which they did. So I didn't care to check again since a credit was issued. Last week, I had another check to deposit, i went to the same location and made that deposit, the machine said that a portion of the check amount is cleared while the balance will be reflected on my account the following day. The following day, I logged on to my mobile Chase app to see if that balance cleared which it did, so I kept scrolling in my mobile app to see my expenses, that is when I noticed that on XX/XX/XXXX, they reversed the credit they gave me for the cash of {$14000.00} citing that they couldn't find the cash. I took a day off from work and went to the branch where I always made my transactions and officially made a complaint that i need my money returned to my account. 
They told me that I should give them from 1-3 business days to do their investigation, that someone will call me. After 3 days, nobody called me so i gave them a call and they said, they couldn't locate the cash. I asked them, of all the cameras watching the ATM, and when they came to work the morning after I made the deposit, they found out that one of their ATM isn't working, who was the technician that fixed the broken ATM that my money was stucked in?, I couldn't get any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
I need your help with this inaccurate account listed on my credit report, which has hurt my reputation. The mismanagement of my credit report has severely harmed my standing, and I urge you to correct this and remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America is hiding a security break which could impact their customers, they are either complicit in this fraud, have inadequate security measures in place, or this is an insider attempting to steal data and or funds. On XX/XX/year>, I attempted to log into my online BOfA bank account and the two-factor authentication screen was display asking to select a phone number to be texted for a validation code which is completely normal. However, my phone number and an unknown phone number was displayed. The phone number was not one I recognized, not a family member or any number close to mine. I did not go through with the authentication process and cancelled the login process. I tried to log in several times canceling the process and shutting down my browser and restarting my computer, each time I logged in the same unknown phone number appeared. 

I immediately called the security and fraud department of Bank Of American and told them what was happening. The representative experienced the same thing and asked me to verify the last 4 digits of the unknown phone number, which I did, and she deleted it from my profile. I asked her how this could happen because its impossible for me to add a number without the system doing a multi-factor validation of the number and a code sent to the number being added, then requiring me to input the code, she didnt know, so I asked for a case to be opened she said she couldnt do it, I would have to call customer service. After being transferred many times, wasting lots of time, I was eventually told they cant do anything. This after being placed on hold when the representatives spoke to supervisors and managers, I was told nothing can be done and no case would be opened. As I said its impossible for me to add a number without multi-factor authentication which is why Bank Of America either is woefully incompetent and or this is an inside job. 

Since this occurred yesterday, we are in the process of reviewing our 8 BOfA accounts for suspicious activity or missing funds. This is an obvious major security issue which BOFA is hiding, all their customers need to made aware of this infiltration whether its an internal breach or an external breach.

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 2024-09-10 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I received a fraud alert email from Truist. 
XXXX XXXX XXXX XXXX XXXX Client Name : XXXX Account number ending in : XXXX Upon contacting Truist Fraud, they advised me of three different charges from a vendor named XXXX XXXX I called Truist on the same day at XXXX. I explained that I did not make or authorize any charges with this vendor. The email is shown below. 

Hello XXXX, The security of your account is important to us, so we continuously monitor for possible fraudulent activity. We noticed suspicious activity on your card. We need you to verify that you or someone authorized to use your account attempted the following transaction on your card ending in XXXX. 

Date : XX/XX/year> Transaction amount : {$350.00} Merchant Name : XXXX XXXX  Merchant Address : XXXX XXXX XXXX temporarily blocked : No Case ID : XXXX They said they would investigate and get back to me. I heard nothing. There were three charges of varying amounts. When I checked my online account again on Friday, XX/XX/year>, I now see a new charge on my account in the amount of {$560.00} that was posted on my account on Tuesday, XX/XX/XXXX. I was never asked about this charge during my initial conversation with the fraud department nor contacted about this charge from the same vendor. I filed a dispute which has been subsequently denied twice. The only explanation I have been given is that the charge was made with my debit card which I admitted was in my mobile wallet, but that my phone has not been out of my possession. When I inquired why they did not flag this transaction, they said this was the first transaction made with this vendor and since it was made from my mobile wallet and it was in my possession I must have made the charge. When I inquired why this charge never showed in my account until XX/XX/XXXX, they said they had no way of confirming it. Now, for me if the fraud department flagged the " subsequent '' charges as possible fraud, would it not question the validity of the " initial '' charge. 

I have complained several times to the Fraud department. I was told the fraud analyst and when an unknown person called and left the message to return their call, I was told I could not speak to the analyst. I asked for the checking account to be closed. I now have a pending situation regarding to the overdraft protection line of credit attached to my checking account in the {$440.00} that I refuse to pay. Why would you pay a charge when I did not have sufficient funds to cover the charge without question.

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 2024-09-10 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2024-09-10 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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