vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: MS

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: CO

Complaint narrative:
I demand that all charge offs be removed from my credit report because according to 15 USC 1681 ( 2a ) ( I ) all charge offs are considered a transaction and income on all Corporation or Banking institutions Ledgers. They filed 1099c on all these charge offs and failed to report them to me according to the IRS. So, they must be removed. I also did not give permissible purpose to let ANY organization report ANYTHING on my credit. If I did, I am now revoking all authorization for doing so. I'm also demanding that all inquiries be removed because my Information has been compromised on 6 different occasions by these companies 1. Equifax 2. XXXX  3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX and i can't remember the 6th one but it was some medical information that got compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX XXXX XXXX XXXX. 
account type : revolving Date open : XXXXXXXX XXXX XXXX  Status : Charge off I use this company to improve credit and was not satisfied with the service so I terminated service. Account has been closed and still shows negative on 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 2024-10-28 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Subject : Fraudulent Accounts Reported Under My Name Consumer ID : XXXX Dear Sir/Madam, I am reaching out to formally dispute the fraudulent information that continues to appear on my credit report. Despite repeated requests to the credit bureaus to investigate and remove these accounts, they remain in my file and have been repeatedly verified as valid, which is incorrect. Therefore, I am now writing to request the CFPB 's assistance in rectifying these issues. 

Report Information : Report Date : XX/XX/XXXX The following accounts are fraudulently listed under my name and Social Security number without my authorization : XXXX. Bank Name : XXXX XXXX XXXX  Account Number : XXXX Routing Number : XXXX Incident Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Incident Date : XX/XX/XXXX XXXX. Bank Name : XXXXXXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX I request that the CFPB oversee the removal of these accounts from my credit report and ensure the credit bureaus comply with fair reporting standards. Please confirm in writing once these accounts have been investigated and removed. 

If further information is required, please contact me at your convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
XXXX  mislead me about income-driven repayment plans and I was wrongly steered into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
PLEASE, THESE REMARKS ARE INACCURATE PLEASE HELP ME UPDATING THESE. IM SO STRESS SEEING THESE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-28 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Opened new account with Truist and initiated funds transfer for mandatory opening deposits from external account with XXXX XXXX. Despite test deposits being received from Truist, bank stated they were unable to verify my external account to verify. I then wrote myself a check from the same account for {$150.00} - {$50.00} min deposit for XXXX accounts to meet the opening requirement and deposited via mobile check on XX/XX/year>. I received an email that a hold was placed on deposit. Which I know is standard on new accounts. On XX/XX/year>, I received a XXXX deposit for {$1000.00} ( covering the {$150.00} deposit for my personal mobile check deposit ). On Monday, XX/XX/year>, I went into the local Truist branch to withdraw cash bc my debit card was still not be received and was told that my account is frozen and my check was returned for insufficient funds. I was told i can not take any cash out despite the fact that i have no groceries in my house and a hungry baby at home. They didnt care that i have the funds to cover the deposit and that I have proof the {$150.00} is in my account and the funds are actually available. 

XXXX the fraud manager i spoke to refused outright to request that this issue be expedited and told me that in 7 days Inwill know if I will have an account I can access or if a CHECK will be sent in the mail closing my account- which I then will not have a bank to even deposit these funds to.

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 2024-10-28 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:
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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Capital Ones inaccurate reporting of late payments on my credit report, despite my efforts to settle my account in full. 

On XX/XX/year>, my wife made a payment of {$320.00}. I followed up with an additional payment of {$350.00} on XX/XX/year>, to ensure the account was fully paid off. When I called Capital One, a representative confirmed that my balance was zero and assured me that everything was up to date. 

In the months following, I contacted Capital One an additional 3-4 times to verify my account status and was consistently informed that my balance remained clear. However, two months later, I received an unexpected invoice from Capital One stating that I owed additional funds, despite my prior payments and their repeated confirmation of a zero balance.

Without any further noticeno calls, emails, or correspondenceCapital One began reporting negative information on my credit report, which has significantly damaged my credit score. I believe this balance was due to their error, as they failed to disclose any remaining balance at the time of my payments or during my follow-up calls. Had I been informed, I would have immediately resolved it to avoid this impact. 


Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I was charged an overdraft fee in the amount of {$36.00}. 
I have overdraft protection and had over {$2000.00} in the adjoining account. 
Regions did not transfer the funds to cover the purchases and instead charged me an overdraft fee. 
I spoke to a representative on XX/XX/year> at XXXX. She refused to credit the entire fee and attempted to chide me. 
The representative does not have the intelligence to perform her job correctly and needs to be trained. 
Regions bank needs to refund the additional {$18.00} that was not received for the fee.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report.

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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!

Update the late payments from my consumer reports

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