vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Please help me write a formal complaint against a horrible injustice that occurred to me at my bank today, XX/XX/year> at the drive thru at XXXX XXXX  I went to the drive through to deposit {$620.00} when the atm machine malfunctioned and gave me an error then shut down. I waited to see if the machine would be back in service and called U.S. Bank to inform them of what occurred. I was then told that I would have to file a dispute and wait 10 days to see the status but the dispute could take up to 45 days to get resolved. I informed the rep that this would not be acceptable because my electric bill was scheduled to be disconnected tomorrow if they didnt receive payment. They said they were sorry about the inconvenience but there was nothing they could do. I asked to speak to a manager who took absolutely no accountability for what had happened because the atm belonged to U.S. Bank and he was not the owner he was very rude and did not seem to care about the predicament I was in. I had the manager named XXXX from the atm dispute department on the line and I asked him who I could complain to regarding his terrible customer service. he then stated that he answered to no one and he was the last person I could speak to. I then proceeded to ask him to file the dispute and he asked me for the atm receipt. I told him the atm did not give me a receipt. He then told me that there was no dispute that could be made on my behalf and that there was nothing I could do. At that point, I went into the branch and asked for a manager to help me with this call. XXXX, the atm dispute manager, stated that he never told me that once I had the manager there to listen in. I spent 3 hours trying to get this resolved and finally got a dispute filed. The problem is that now my electric bill payment and my other bills will be nsf and my electric bill will be disconnected. I asked if they could write letters on my behalf and I was told they do not speak to third parties. There was a woman who had just deposited over {$2300.00} for rent who the atm also took her money. She also did not get a receipt but was able to file a dispute much more easily. I have been very upset and spent quite a few of my work hours tending to this issue. I am a XXXX family and we live check to check so this is not something we could easily move on from. We did not get a provisional credit despite our great prior relationship with this bank. Weve been customers for almost 30 years. This has been a nightmare! I would highly urge everyone consider banking elsewhere but at the very least not to ever make a cash deposit at their atm. There was no accountability and no appropriate resolution and no accountability for the terrible customer service from the manager

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 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In 2016 I fell behind in my mortgage due to decreased work hours. Once my hours increased I applied for a modification and I have been applying for and been denied up until now. I have paid over {$50000.00} in legal fees basically begging this company to reset my loan and allow me to pay them. XXXX that could have gone to my loan. After fighting in and out of court over this matter for 8 years the arrearage has grown to way more than I can pay to reinstate my loan and they are going to auction my home. However if they had allowed me to modify my loan the arrearage would not be so great. They keep denying me saying they can not reduce the loan payment even when I told them I no longer need a reduction. I can pay more. They sent me a proposed mortgage modification payment amount, and I responded to them that I can afford to pay that amount. They in turn responded that I could not create my own modification terms. I do not fit their specific modification program. I have been in my home for 21 years and I desire to remain in my home. I would like them to allow me to pay them even if the loan payment has to increase for me to pay the loan. Just stop the foreclosure proceedings and work with me. I would understand foreclosure if I had been unwilling to try to resolve this, but that is not the case. Taking a home from me that I am willing and able to pay for is unfair. Life brings situations that can set a person back, and sometimes it does it repeatedly. To stay afloat despite the numerous situations that I have encountered from income loss, job loss, deaths, and serious illness, and recover financially and still lose the shelter that me and my pets have come to know as home is a travesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
After reviewing my credit file I noticed numerous fraudulent inquiries I did not approve or have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I hope this message finds you well.

I am writing to inform you that I am expecting a check from a client, but I have not received it yet. The client provided me with documentation showing the address and bank account details where the check was cashed by someone else. This suggests that the check may have been fraudulently taken and deposited into another account.

I wanted to bring this matter to your attention for further investigation.

Thank you for your assistance. 

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-07 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: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
I was aware that I was a victim of ID Theft in XXXXXXXX XXXX XXXX while I was out of the country on a government assignment. I disputed the accounts and have not received an answer with XXXX, Transunion, or XXXX. the following accounts are due to fraud. Please remove. 

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

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 2024-10-07 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:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX  number XXXX ( CLOSED ACCOUNT ) payment late years XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SEEING THIS FRAUD ACCOUNTS CAUSE ME XXXX AND XXXX I WANT THESE TO RID OUT OF MY REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: IL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-10-07 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: IL

Complaint narrative:
I have checked my credit report, and I have discovered fraudulent account on my credit report, these fraudulent accounts are XXXX XXXX XXXX with account number XXXX and was opened on XX/XX/XXXXXXXX XXXX XXXX  with account number XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, these account are fraudulent and I request them to be deleted from my credit report as soon as possible.

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 2024-10-07 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: VA

Complaint narrative:
I have attached additional information for these accounts as Equifax requested ID information, which no reason to close the compliant as there is no way this information can be verified or validated for the matter because all the paperwork shows this impossible. There are setting themselves up for the law suit they will not be able to win and will publish information once complete if they do not correct this issue. 

Not to mention, there is a woman who sued them for millions of dollars and won because they refused recognized Identity Theft on her credit report. I will use the SAME ATTORENY 'S if not corrected! 

Here is the article : XX/XX/year> -- For two years an Oregon woman tried without success to get mistakes in her Equifax credit report fixed. Now a jury has awarded her {$18.00} XXXX for her trouble. XX/XX/year> Another One Right Here : XXXX XXXX XXXXXXXX Again, I was XXXX  during that time... Therefore, it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally file another complaint against Bank of America regarding what I believe to be discriminatory and fraudulent actions taken against XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located here in XXXX, California. I XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
On or around XX/XX/year>, Bank of America froze my business checking account with no prior notice or explanation. Despite my efforts to reach out to the bank for clarification, I have not received any response regarding the reasons for freezing my account. On XX/XX/year>, the bank proceeded to close my account entirely, again without providing any justification or advance notice. 
As of today XX/XX/year> Bank of America has not returned the {$1.00} XXXX plus funds that were held in my business account, nor have they given me a clear explanation as to why my account was closed. This has severely impacted my business operations, as I rely on this account for day-to-day expenses and other essential financial activities. 
I believe these actions to be discriminatory and fraudulent. Bank of America 's lack of communication and confiscation of my business funds without due process has caused significant financial harm to my business and livelihood. 
I am requesting that Bank of America be investigated for their handling of this matter, as it is unacceptable for a bank to withhold funds without clear justification or explanation. I also demand that Bank of America immediately release my funds and provide a detailed explanation of the reasons behind their actions. 
Please find attached my Notarized Affidavit of Fact detailing the timeline of events and relevant documentation for your review.

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, 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 monetary relief
Consumer complaint received 2024-10-07 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: OH

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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

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 2024-10-07 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief