vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: TX

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 2024-08-15 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: Ava Finance, Inc
State: DE

Complaint narrative:
Ava Finance has be in clear Volation of my rights. The law states a creditor may not report a late payment for any reason unless a notice is sent 21 days prior to a payment is due 15 usc 1666B I never received any such notification if Ava finance claims to have sent me that notice please provide proof I received it by showing a tracking number and a green return receipt showing I received such notice. Ava finance is also guilty of reporting I was on time on

XXXX XXXX XXXX XXXXXXXX XXXX XXXX But late on XXXX XXXX XXXX XXXX. This will be clear for a judge to see and I will received {$1000.00} For the Volation.

Ava Finance shall update all payment history as paid as agreed immediately this late payment have damaged my creditworthiness and it has stopped me from getting approved for a house. I will definitely take your company to court if this matter is not taking care of as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and requesting thorough investigations, I have not received any resolution or corrective action. These errors are severely damaging my credit file and affecting my ability to live a normal life. The negative impact has caused significant hardships, and I am urgently seeking your assistance in addressing this matter. 

I kindly request a comprehensive investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control of my financial well-being. 

I sincerely urge you to give this matter your immediate attention and take prompt action. Your cooperation and support in resolving this issue would be greatly appreciated. Thank you for your understanding and assistance.

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 2024-08-15 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: CA

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 non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
My account with 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 60 days 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. 


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 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I have no clue how they got there. I checked my report like I usually do, but this time, there were sudden discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Given this issue, Im requesting that the documents Ive sent be thoroughly reviewed so I can stop worrying about this happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/year> in evening got an email from my credit card that I updated my phone number, then got few more emails stating that I changed my user ID and password, were also using a different device. I have not done any of those. Called Chase Fraud dept to notify them, it was not me and suspect fraud. Chase tried to ask questions to verify, they could not verify me. So they told me they could not discuss any further regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

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 2024-08-15 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: IN

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2024-08-15 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: TX

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 2024-08-15 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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX Balanced {$39.00} XXXX XXXXXXXX XXXX Balanced {$1700.00} XXXX XXXXXXXX XXXX Balanced {$630.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. On Friday XX/XX/XXXX, I was at dinner in XXXX XXXX with my XXXX and when I tried to pay the bill my card was declined. This is a card I have for my business account with Bank of America. Ive had this account for years, and I had over {$70000.00} in that account. After I got home I noticed a message in my BoA App saying of possible fraudulent transactions on my account. There were 8 transactions total, 6 were store purchases in New Jersey and 2 wire transfers to Washington. All 8 together was over {$13000.00}. They were most definitely not me, I was at a restaurant in Laguna getting my card declined while this was all happening at the same time. The message prompted me to call a number if it indeed was fraud and not me, and so I called right away and I filed for a fraud claim. After talking to someone and explaining everything they easily understood it was fraud and were very helpful. I got the 6 from New Jersey back within a week, but the 2 wire transfers to Washington for over {$9900.00} together, were not sent back. I was patient as I know it can take time but I was still calling almost every day to be proactive about getting my money back. I filed a separate fraud claim about those 2 transactions and every time I called to check I was only ever told to wait and call again in days/weeks. I called yesterday to check only to find out the claim had been denied. I do not understand how that is possible if BoA already recognized the other charges as fraud from the same exact time. I am not going to let this go until I get my money back. I have been with BoA for years and I have a lot of money with them. Along with all of these that Im dealing with, I also have a check I sent out through the mail to pay property tax on my house and that check was stolen and somehow cashed by whoever stole it. I have filed for fraud on that check multiple times for months and Bank of America only ever denies me. I filled out the fraud claim with the help of a professional in a Bank of America and was still denied saying I didnt send the packet correctly? It doesnt make sense. I feel like Bank of America has been treating me very poorly, and I am disrespected. I need to be helped by someone who can do something about this, and I need my money back.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an account at Wells Fargo. I just deposited XXXX dollars to open the account. Everything went well was given my information. I was showed how to add a digital card to my digital wallet. I then went home to get my refund checks from the State and Federal government. I had multiple checks because I did my taxes for the past three years together. I also had a check from work. I then went to deposit the checks to an atm. This was my mistake because this is where everything went wrong. It took three of the checks but it it said that the other four need to be verified. That did I want to continue. The decision would be mailed to me within a week. I thought it was werid so I just deposited the three it accepted. I then tried again to deposit three without my work check. It said the same thing. Since I knew they were real and had money I said okay to deposit them. I could wait there was no rush. I got my reciepts and went home. When I looked at my account on the app later they said they were going to close it for suspsicous activity. That the checks looked altered or suspicious. Which is not the case. I called that night and was transfered but that department was closed. I called in the morning and was told I could not reopen the account or ever get an account with Wells Fargo. That they had " verified '' that those checks had no money. I told them opening an account to cash the checks was my whole reason for opening an account in the first place. I was told to contact the state and or IRS. I asked for the information on the checks they deemed " altered ''. They would not give it to me. I was told to have a good day.

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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I opened a Carecredit card through Synchrony Bank to pay for XXXX on XX/XX/year>. The account had a promotional XXXX year XXXX % rate. I attempted to set up a monthly autopay so that the account would be paid in full before the end of that period, but had extreme difficulty setting that up, and repeatedly had the online system indicate that it was setup only to find out after the due date that no payment was made. After XXXX months of this, I finally got it set up. However, I did not realize that the system did not process the amount correctly and instead I was setup on the minimum payment. There was no information provided to help calculate how much I needed to pay each month or how long was left before interest was charged. As a result, when the XXXX year mark hit, I had an outstanding balance and was charged {$1600.00} interest on the entire original sum. I never received any warning that the promotional period was ending or that interest would be charged. As soon as I realized the mistake, I paid the balance in full. The whole process misled me into believing that I had set up everything correctly to pay off the balance before any interest was charged only to have a large interest charge unexpectedly accrue.

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 2024-08-15 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: Experian Information Solutions Inc.

Complaint narrative:
Submitted a complaint/request for explanation to Experian about my drastic credit score change. 1 ) Experian responded saying they reviewed the information I attached to the complaint. ( I did not have an attachment ) 2 ) Experian said they contacted my creditors to discuss negative information. ( I don't have anything negative in my file ). Either Experian has me confused with another customer ( gross negligence ) Or, Experian is lying about what they did ( fraud ). I want an explanation for the drastic score change ( XXXX points ) when there is nothing negative in my file. Additionally, I want an explanation of their previous response which is absolute nonsense.

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 2024-08-15 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: DE

Complaint narrative:
XXXX XXXX has be in clear Volation of my rights. The law states a creditor may not report a late payment for any reason unless a notice is sent 21 days prior to a payment is due 15 usc 1666B I never received any such notification if XXXX XXXX claims to have sent me that notice please provide proof I received it by showing a tracking number and a green return receipt showing I received such notice. XXXX XXXX is also guilty of reporting I was on time on XX/XX/2023 on XXXX and TransUnion But late on XX/XX/2023 on XXXX. This will be clear for a judge to see and I will received {$1000.00} For the Volation. 

XXXX XXXX shall update all payment history as paid as agreed immediately this late payment have damaged my creditworthiness and it has stopped me from getting approved for a house. I will definitely take your company to court if this matter is not taking care of as I requested.

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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention several issues I've encountered with the credit bureau. These concerns include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is essential for my financial security, and I would appreciate your assistance in addressing them.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} 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 non-monetary relief
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I'm deeply upset to find unauthorized inquiries on my credit report this evening, with no clear reason why they're there. When I checked my report as usual, I noticed these unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. I'm really frustrated by this and urgently request that the documents I've submitted be thoroughly reviewed to prevent this from happening again.

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