vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: OH

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-10-29 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: OH

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-10-29 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: OH

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 
This account was closed on XX/XX/XXXX. Why are their late payments XXXX of XXXX XXXX XXXX and XXXX of 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 2024-10-29 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: FL

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 2024-10-29 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: GA

Complaint narrative:
Experian as now entered the stage as cohorts with XXXX and XXXX, in the form of restricting my access to creating new disputes. WHICH IS NOT ONLY UNETHICAL BUT GOES AGAINST THE FCRA. As well as theyve been neglecting to clean up my report from the fraudulent errors theyve allowed to be on my report and have now been removed ; except for the highly fraudulent XXXX XXXX XXXX XXXX  who has beeen infringing on my rights under the FCRA for the lender XXXX  XXXX  and under the FDCPA for the parent company XXXX XXXX, who lodge a fraudulent deferment code XXXX on alleged closed charge off XXXX account to over inflate the debt starting charge off at XXXX with a max cap of XXXX to be at a present balance of XXXX over XXXX months this has been allowed..

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 2024-10-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Sent letters to correct and delete on XXXX XXXX and things was not deleted

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 2024-10-29 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: AL

Complaint narrative:
My accounts 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 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 explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXXDate of Inquiry XX/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 2024-10-29 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: FL

Complaint narrative:
This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received two reports from you, one only contains the date and rating, that is not what I am asking fo. I attach the two reports that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my account.

Account XXXX XXXX XXXX XXXX ( CLOSED )

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 2024-10-29 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: NV

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 non-monetary relief
Consumer complaint received 2024-10-29 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: MI

Complaint narrative:
This afternoon, I was shocked to see accounts on my credit report that dont belong there. I always keep an eye on my report, and seeing these unexplainable discrepancies was distressing. I refreshed the browser multiple times, hoping it was just a mistake, but the accounts wouldnt disappear. Because of this, I am asking for a careful review of the documents I sent to ensure I dont have to deal with this stress in the future.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have recently contacted Bank of America regarding why they are closing my accounts during the time of personal difficulty of this year XXXX. I have been banking with them ever since XXXX. But as of now, they have decided to close all of my accounts. Without giving me any information on whats happening with my money in my checking account. The only thing that I got from the mail was stating that my account would be close and thats it. I wouldnt know what to do. Would there be an interest charge on my credit card too? Since its close but with no information. So, a few weeks ago Bank of America decided to send me their client advocate and Resolution Specialist name, XXXX XXXX. Who is absolutely the worse employee from the Bank of America that I had to deal with. Firstly, its really hard to get a hold of it and her excuse is that, she wouldnt get any of my multiple phone calls not until an hour late, which is also a lie! If your having a phone issues why are you even servicing people And she also marks down, regarding my checking account, that she would get back to me on XX/XX/XXXX ( and she thought it was a weekend and I told her no, thats a Monday ), which is also another lie because I had to call her and remind her about the status of my check account and my money on that day, that she never called me and act like she doesnt even remember what to do. And each time I asked her a question, she kept saying she didnt know and that I would have to call and find out. Like what the point of trying to talk to someone who doesnt even know a thing about her own company. She also Highly recommended me to go to the Bank and pull out my money while my checking account is in the process of being close. She has mentioned that to me so many times, while I kept telling her that I was extremely busy with work. So, as of today, XX/XX/XXXX. I took her advice and took the day off from work, which is unpaid, and wasted my gas money to go to the Bank of America Branch, just to realize that I cant even pull out my money as she has mentioned!!! Bank of America Has provided me with so many False information. And it seems like most customers at the branch have closed down as well. What is Bank of America is trying to do people and their money!! The consumer Financial Protection Bureau needs to do a deeper investigation into Bank of America! Protect the people, Protect the nation.

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 2024-10-29 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-29 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I sent someone XXXX dollars with XXXX XXXX on XX/XX/year> they accepted it no problem then they sent me XXXX dollars back right away I tried to accept it and it told me to verify my account. I did all the steps correct and they said my account is restricted. I called XXXX XXXX support and they looked at my account and said it was permanently restricted because of a business decision. I asked if there was anything else I could do to get it unrestricted and they said no its a permanent restriction but I can still use the balance I have already in my wallet I just cant send and receive money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I couldn't used my cards, and when i went to check online to discover that my card got cancelled, XXXX of the credit card that I have with Capital One got cancelled, and the answer is that i committed some kind of used on the card that goes on the opposite way of the Capital One used. I need to know what really happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to address a matter concerning the alleged debt that Buckles and Buckles P.L.C claims I owe {$6800.00}. It has come to my attention that your firm is pursuing legal action against me regarding this debt. I would like to formally state that I have not received a debt validation letter from your office. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written verification of any debt within five days of your initial communication with me. The absence of this validation letter constitutes a violation of the FDCPA and raises serious concerns about the legitimacy of your claims. I request that Buckles and Buckles P.L.C provide proper documentation validating the debt in question. Until I receive this information, I will consider this matter unresolved and urge you to cease any legal actions against me. 

I believe in the importance of fair and transparent communication, and I hope we can resolve this situation amicably. Please respond to this letter at your earliest convenience, providing the necessary validation for the alleged debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: NC

Complaint narrative:
XX/XX/year> SECOND ROUND, LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX \nSubject : Notice of Dispute and Request for Debt Validation\nAccount Number : XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the alleged debt associated with the above-referenced account. I do not recognize this debt, and I deny owing any amount to SECOND ROUND, LP. Prior to this letter, I requested debt validation from the original creditor, but they failed to provide it and instead referred me to SECOND ROUND, LP. Given these circumstances, I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following documentation : 1.Proof of Debt - A complete and itemized validation of the debt, detailing the amount allegedly owed and a breakdown of any associated fees, interest, and charges. 2.Proof of Ownership - A copy of the
purchase agreement or assignment of the debt from the original creditor to SECOND ROUND, LP to substantiate your authority to collect this debt.

3.Licensing and Bonding Information - Proof that SECOND ROUND, LP is licensed and bonded to operate as a debt collector in [ Your State ].

4.Full Disclosures - Any other documentation in your possession that supports your claim of this debt, including the name and address of the original creditor and any contract or agreement that establishes an obligation for me to pay.

5.Reporting Information - Confirmation of whether this alleged debt is currently being reported to the credit bureaus by SECOND ROUND, LP or if the original creditor is still reporting it. I also believe my rights have been violated through misleading, false, and deceptive representations regarding this debt, which raises further concerns about the legitimacy of your claim. 
Additionally, I would like to inform you that, to the best of my knowledge, the statute of limitations on collecting this debt has expired in XXXX XXXXXXXX XXXX XXXX. If this is indeed the case, you are no longer legally permitted to attempt to collect or take legal action on this debt. 
Until you provide the requested documentation validating this debt, I am requesting that you cease all collection activity related to this account, including communications with me, as well as any credit bureau reporting on this debt. If this alleged debt is currently being reported, you must notify the credit bureaus that it is in dispute. 
Please respond within 30 days of receiving this letter. Failure to provide the requested information will be taken as confirmation that you can not validate this debt, and I will consider the matter a further violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation