vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In late XXXX. I made an approx XXXX payment to pay the entire bal. On the same day Bank of America took from my checking acct approx XXXX and applied it to my card that only has an XXXX limit. Since them I have spoken 4 times to various customer service reps or people who claim to be supv to get this escilated to be fixed. They all say the same scripted lines it is moving to the next dept and will be only a few business days until it is corrected. Nothing has happened however my personal bank was able to get the approx XXXX back from Bank of America and put back into my checking acct. The XXXX  is still frozen and I cant get a straight answer from B of A as to when the card will be unfrozen. It is a XXXX XXXX XXXX XXXX and I have alot of points on it and I want to use them as on board credits for our upcoming trip. Can your agency please help me get this mess expidited so my card is usable and it doesnt affect my credit score. Ive also asked for some extra bonus points and/or gift cards for all the time and frustration I have put into this since the card is frozen. The last payment I made was for XXXX. The service rep said I had to pay this in order for any further action to remedy the problem even though I have a XXXX balance.

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 2024-12-19 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: MI

Complaint narrative:
I did not receive any line of credits with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
I am filing this dispute with the CFPB regarding inaccurate late payments reported by Equifax on the following accounts : XXXX XXXX XXXX and XXXX XXXX. These accounts are incorrectly reported as having late payments, which is erroneous and inconsistent with my payment history. I am attaching my FTC Identity Theft Report and supporting documents that detail these inaccuracies. This clear discrepancy violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Despite multiple efforts to resolve this matter directly with Equifax, these inaccuracies remain unresolved. This ongoing error has significantly impacted my ability to secure a loan critical for saving my business and has also prevented me from obtaining housing for my family. Equifaxs failure to investigate and correct these inaccuracies constitutes noncompliance under 15 U.S.C. 1681i ( a ), which mandates timely investigation and correction of disputed information.

If these accounts are not corrected in my next updated credit report, it will constitute willful noncompliance under 15 U.S.C. 1681n, exposing Equifax to statutory damages of up to {$1000.00} per violation. Non-willful negligence under 15 U.S.C. 1681o also applies, as Equifax 's inaction has caused unnecessary harm. I request the CFPBs assistance to ensure that Equifax immediately updates these accounts to " Paid as Agreed '' and provides me with written confirmation of the corrections. I trust the CFPB will help enforce compliance with the Fair Credit Reporting Act and uphold the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, IL XXXX Employer - XXXX  Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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 2024-12-19 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 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 2024-12-19 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:
Experian and XXXX XXXX are both reporting conflicting balance on this accounts. The FCRA clearly stated that inaccurate information must be delete from a consumer report. 15 USC 1681.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted multiple requests to remove inquiries not requested by me and not given correct information in my name with lenders. XXXX did not remove the inquiries. I called and spoke with them to remove them, but they still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted multiple requests to remove inquiries not requested by me and not given correct information in my name with lenders. XXXX did not remove the inquiries. I called and spoke with them to remove them, but they still have not.

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My credit account was closed although there was never a late payment or any charges on the account that went against my terms of service. The auto pay that was setup also would randomly overdraw my account instead of it taking out the amount that was already in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-19 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof. I kindly request that you block and remove this information within four business days, pursuant to section 605C Fair Credit Reporting Act. XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: KY

Complaint narrative:
I have no knowledge of these accounts, they have been placed on my consumer report without my knowledge these are all fraud

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 2024-12-19 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: TX

Complaint narrative:
Please review this complaint thoroughly, as it has been submitted intentionally and is of critical importance. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that I do not recognize or belong to me. This ongoing issue is deeply troubling, causing unnecessary stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for their failure to address my disputes regarding the inaccurate reporting of timeshare accounts on my consumer credit reports. Per my divorce decree, the timeshare listed on my credit reports are to be the sole property of my ex-husband. Specifically, under the section titled ** '' Additional Clauses '' **, the decree states : * '' In regards to timeshares purchased during the marriage, ALL timeshares will become the sole property ex-husband. Wife will be held harmless of any matters regarding these properties. " * Despite multiple disputes submitted to XXXX and XXXX, these timeshares remain inaccurately reported on my credit reports. This misreporting is causing significant harm to my consumer profile and is severely limiting my ability to secure credit and financing opportunities. MONTEREY COLLECTION SV XXXX I have attached the following supporting documentation to this complaint for your review : 1. A copy of my divorce decree. 2. A copy of my ID. 3. Proof of address. 4. A copy of the disputed account reporting to XXXX and XXXX. I respectfully request the CFPB 's assistance in ensuring that these timeshare accounts are promptly removed from my consumer credit reports as they no longer pertain to me under the terms of my divorce decree. Thank you for your attention to this matter. By law, and per the ruling by the presiding judge, this timeshare should not affect me in any way let alone be reported on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/year>, I used the Bill Pay features of my Wells Fargo personal checking account to pay three bills as follows : 1 ) {$15000.00} to my wife 's XXXX XXXX account, XXXX ) {$9000.00} to my XXXX XXXX account, and XXXX ) {$87.00} to XXXX  for XXXX internet service. When I checked on the status of those payments, the Wells Fargo banking application showed both the {$9000.00} and {$87.00} payments being made to XXXX on the same day. I opened a complaint with Wells Fargo on XX/XX/XXXX, which the bank closed on XX/XX/XXXX stating that payments were made as directed. I contacted XXXX on XX/XX/XXXX and was told that they received and applied the {$87.00} payment but have no record of the {$9000.00} payment. XXXX XXXX has no record of the {$9000.00} payment either. I then called Wells Fargo to explain the above, and Wells Fargo opened a second matter to investigate. I was told today that the second matter was closed as it was a duplicate of the first instance, which the bank denied. 

Today ( less than a week before XXXX ), Wells Fargo has misappropriated {$9000.00} of our money and it really hurts.

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 2024-12-19 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Equifax regarding inaccurate and fraudulent items on my credit report. These inaccuracies are negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA Sec XXXX ), Equifax is required to respond to such disputes within 30 days ; however, as of today, no response has been received. Below are the details of the disputed items : Correction of 30-Day Late Payment on XXXX XXXX  Account Account : XXXX XXXX  - Account Number : XXXX Issue : A one-time 30-day late payment was inaccurately reported on my account. I have not missed any payments, not to mention one can clearly see XXXX and XXXX reported that there was a 30 day late in XXXX where as Equifax reported the same in XXXX, none of the reporting was correct and needs to be updated according to the supporting documentation, including a copy of my payment statement for the month in question, was provided with the dispute to demonstrate that the late payment mark is erroneous. 

Dispute and Removal of XXXX XXXX XXXX  ( XXXX XXXX  ) Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Account Number : XXXX Issue : This account was fraudulently opened in my name. Supporting evidence, including documentation proving the account was unauthorized and fraudulently created, was also included in the original dispute. 

Despite providing all necessary supporting documentation, Equifax has failed to respond within the 30-day timeframe stipulated under the FCRA. This lack of response represents a violation of FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), which mandates a timely and complete investigation of consumer disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: NM

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were initially removed but have been reinstated without my awareness. I have not received any notification or mail regarding their addition.

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 2024-12-19 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Got random email from XXXX Deleted it. Received package and bill for XXXX. Returned per XXXX after calling them. Yes I gave them too much info. Learned later this is a scam. I now have a bill for XXXX from suppose to be wards. Haven't recieved a bill but out of town right now.. The credit limit was XXXX. The phone number doesn't match the online wards number. There was no account number on the XXXX XXXX  report. This is a made up bill. XXXX XXXX XXXX is the number they are using to scam people. My credit has dropped since this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Cease-and-Desist I am requesting a cease-and-desist order against Medicredit, Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and for failing to properly address the issues raised in my recent complaint. Despite my specific and separate requests in a new complaint, they continue to improperly mark it as a duplicate of my previous complaint. 

Medicredit , Inc. has failed to provide the following required information : Documentation proving authorization to collect the debt. 
A copy of any agreement or contract between the original creditor and me authorizing the debt. 
Details of interest or fees added. 
Verification that the statute of limitations on the debt has not expired.

Documentation proving a legal obligation to pay.

A detailed chain of custody for the debt, including dates and parties involved in the transfer. 
A copy of the purchase agreement or contract demonstrating lawful acquisition of the debt. 
Any signed contract bearing my signature evidencing my obligation to pay. 
Proof of when the original creditor sent me the bill, along with tracking records. 
A complete breakdown of the debt with all details provided without omissions. 
They have violated FDCPA by continuing collection activities without providing proper debt validation and by mishandling my complaints. I respectfully request the CFPB to enforce a cease-and-desist order against Medicredit, Inc. until they comply with all validation requirements and FDCPA obligations. 

Thank you for your assistance.

Company response to consumer: Closed with explanation