vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I became a victim of Identity theft in XXXX. I have worked with XXXX ID theft, The Arkansas Attorney General 's Office and numerous creditors to clean up my reports. I contacted the Federal Trade Commission and any other agency I was told to contact. I sent copies of police reports, proof of identity, the FTC report, and notes that were written to each merchant of who I spoke with and the date each merchant was contacted to ALL credit bureaus. Several merchants sent letters showing where they contacted the credit bureaus to remove the fraudulent information. I have an identity theft passport issued by the Attorney General of Arkansas. I sent a copy to all bureaus. ALL the credit bureaus took down all of the Hard inquiries and cleaned up some fraudulent information on my reports that the person put on them. Equifax has put XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX back up on my report as hard inquiries and said they will leave it for XXXX years. They had REMOVED it. I have my reports frozen and fraud and extended fraud alerts on the reports. They are now saying I have to send them police reports and proof AGAIN before it can be removed. They have been sent this information 5 times. Three times by me and twice by the Attorney General 's office. I have had this problem with them previously and they finally cleaned up my reports. Now they are refusing to remove the fraudulent HARD inquiries. I would like help getting this taken care of. I call and the CSR are of no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-04 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: FL

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 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: UT

Complaint narrative:
I disagree with the results of the investigation on XXXX XXXX  late payments. I have disputed the late payments on this account XXXX XXXX Everytime i dispute the dates that they claim i was late. I would get back an updated account with different dates being late. intead of acknowledging they have made a mistake and must update the late payment to paid on time. They just move the late status to another date. This is illegal, fraudulent reporting and wrong in every way. This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment because of there fraudulent reporting. I have proof XXXX and XXXXXXXX XXXX XXXX was not late. I have bank statements tp prove. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: UT

Complaint narrative:
I disagree with the results of the investigation on XXXX XXXX late payments. I have disputed the late payments on this account XXXX XXXX Everytime i dispute the dates that they claim i was late. I would get back an updated account with different dates being late. intead of acknowledging they have made a mistake and must update the late payment to paid on time. They just move the late status to another date. This is illegal, fraudulent reporting and wrong in every way. This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment because of there fraudulent reporting. I have proof XXXX and XXXX of 2023 was not late. I have bank statements tp prove. see attached.

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 2024-09-04 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: Experian Information Solutions Inc.
State: NC

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 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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America continues to place holds on my payroll checks even after I've held the account in good standing for more than 30days. I deposited a check yesterday XX/XX/XXXX and was told {$220.00} would be available immediately then there would be a 2 day hold on the balance till XX/XX/XXXX. Thats when my rent is due. I am also restricted to {$2500.00} in mobile deposits per month for 90 days or so they say as the counter deposit problem has now shown to be longer than 30 days. 

At XXXX CT I received an email stating the ENTIRE amount would be held till XX/XX/XXXX. Rent is due tomorrow.

Awoke this morning to find they BofA released {$1000.00} into my account, but still states the full amount is " on Hold '' I called in to speak to a banker and get answers to which I was given only programmed responses, XXXX definitive or direct answers. Not only as to why the hold, but why the different " hold '' amounts and times. I also confirmed this morning that the source bank where the payroll account is paid from had the money pulled YESTERDAY.

I asked the banker on the phone how long I was to be treated like a criminal before my checks were considered viable, and I'd be able to mobile deposit more than XXXX XXXX. She had no answer, I even pushed and said " it could take 10 years? '' She could not ; would not refute that. 

How is BofA allowed to just randomly hold funds in escrow without proper reason? 

This is not the first time. When I opened the account I initiated an ACH draw from my old bank to fund the new accounts at BofA. The money left my old bank within a couple of hours. It did not arrive in my BofA accounts for over a week and that was only after I had to " rattle cages '' as even the bankers I spoke with then couldn't tell me what was taking so long.

My experience with BofA leads me to believe they are hold funds in escrow for for purposes other than verification. If I can verify the validity of a check in real time... WHY CAN'T A NATION WIDE BANKING COMPANY.

The call today was recorded ; here is the file info and banker I spoke with : XXXX from Texas : 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 monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I had a one-year contract with XXXX XXXX XXXX XXXXXXXX, which expired in the first half of 2024. After the contract ended, I visited a licensed shop in Utah to have the device removed from my car. I documented the removal process with video footage, showing the device was in good working condition, and also took photos of the device being returned to an XXXX XXXX XXXX XXXXXXXX employee. The employee signed a receipt confirming the return. 

Despite thisXXXX XXXX XXXX XXXX XXXX is now claiming that the device was not functional and is falsely accusing me of owing them {$4500.00}. They have not provided any evidence or justification for this claim. I believe this is a scam, and I am seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
This Fraudulent Collection Company FAIR COLLECTIONS AND OUT and the associated Account is Violating my Consumer Rights and Federal Law under the FCRA and FDCPA. This Collection Account is NOT MINE nor did I ever sign any contract or documentation with this company. I have NEVER given authorization or consent for this Illegal Collection company to access my Private Information or Consumer Report. I have NO KNOWLEDGE of this company or this fraudulent account reporting on my Credit Report, and this is violating my rights and needs to be DELETED/REMOVED immediately. This collection company FAIR COLLECTIONS AND OUT, has illegally purchased and breached my private information without my consent and is attempting to collect on a debt that is NOT MINE and has NEVER BEEN VERIFIED as mine. This Collection Company and Account is damaging my Consumer Profile and Worthiness with a fraudulent account and this collection MUST BE DELETED immediately as per Federal Law.

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 2024-09-04 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: CA

Complaint narrative:
Hello and good day, please read this complaint carefully as this is very concerning. There are credit inquiries on my report that I don't recognize which seems to have been done online as I don't ever remember applying to these companies, they have accessed my credit report without my knowledge and permission to do so. I did not authorized these and are fraudulent, this is causing me unnecessary stress and anxiety.

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 2024-09-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: UT

Complaint narrative:
Someone canceled my card and this was on XXXX and has been going on since then I have not been paid for two months I'm about ready to lose everything because I can't get direct express to talk and let me know and when I did talk to them they wanted me toa send the pic of my id and know they want my social security card and birthcertificate and I've done I've done everything they've asked me to and nothing has been resolved I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXL 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 explanation
Consumer complaint received 2024-09-04 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: FL

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 non-monetary relief
Consumer complaint received 2024-09-04 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:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The bank must not supply information to a credit reporting agency that it knows is inaccurate. In this case, the bank is reporting a debt as charged-off when was settled it or paid it in full. Attached to this complaint will be documents that sustain the bank 15 U.S. Code 1681 605. ( 8 ). violations.

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