vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: AL

Complaint narrative:
I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a XXXX balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation. 

Please conduct a comprehensive investigation and update my credit report accordingly. I expect a written response within 30 days, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX I got a notification of a hard inquiry from XXXX XXXX. I never applied for an account on XXXX XXXX I contacted XXXX to remove that hard inquiry and they did but now I have an account closed on my credit report. It shows that the credit limit was XXXX $ and someone charged XXXX $ on it. On XXXX XXXX for equifax and XXXX XXXX it still shows the hard inquiry on my credit report and they asked me to file a police report or to file it on this website so I can send it to them and then theyll be able to remove my hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am the XXXX over an estate account that I set up at Bank of America, on the day of XX/XX/year> I sent a wire to my personal account at XXXX XXXX XXXX XXXX from the estate account at Bank of America. The wire cleared on XX/XX/year> and the day after I went to withdraw money at XXXX XXXX XXXX XXXX branch where they discriminated against me and locked my personal account that has now been locked for an Entire Week! Every time I call XXXX XXXX they are saying that all they have been waiting on is Bank of America to send a SERVICE REQUEST MESSAGE To them ( XXXX XXXX XXXX XXXX ) for a week now and BANK OF AMERICA TO THIS DAY XX/XX/year> STILL HAS NOT SENT THEM THAT INFORMATION SO THAT XXXX XXXX CAN RELEASE MY FUNDS AND UNLOCK MY ACCOUNT! I feel like every time I call BANK OF AMERICA, I'm not being heard, they shove me to the side, give me incorrect information and has even lied to me just to get me off the phone. THEY HAVE SERIOUSLY DROPPED THE BALL AND I DEMAND TO GET RESULTS IMMEDIATLY! I HAVE BILLS THAT ARE NOW PAST DUE AND AT RISK OF GOING TO COLLECTIONS BECAUSE IT HAS TAKEN THEM MORE THAN A WEEK TO SEND XXXX XXXX A SIMPLE SERVICE CONFORMATION MESSAGE SO THAT XXXX XXXX CAN UNLOCK MY ACCOUNT!! THIS IS UNACCEPTABLE!!!

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 2024-11-08 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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.

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
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a retired XXXX XXXX. I got a notice prior to retirement about XXXX via email and then no additional notices. XXXX then used an address that was almost XXXX XXXX XXXX to send the notices to so I never received the notice despite the XXXX having my correct address. Then they sent me to collections. I tried to contact my congressman ( XXXX XXXX ) for help but he did not help me. I then disputed it with the credit bureaus and they did no investigation. This is significantly affecting my livelihood. The amount was {$310.00}. I think this is outrageous abuse of this process. I need help, please.

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 2024-11-08 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: PA

Complaint narrative:
I am writing as a consumer to exercise my rights under 15 U.S.C. 6802, 12 CFR 1016.7, and 16 CFR 313.7. This correspondence serves as my formal request for EXPERIAN to show proof of the three ( 3 ) disclosures that are required to be provided to me as a consumer, pursuant to the previously stated statutes and regulations that gives my permission to report information to my consumer report. Upon EXPERIANs inability to show proof of disclosures, I request to : Revoke any and all permissions I MAY have given EXPERIAN verbally, non-verbally, written, non-written, electronically, or non-electronically. I formally choose to OPT OUT of reporting the following accounts to my consumer report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per the aforementioned laws and regulations, I expect EXPERIAN to : 1. Immediately cease reporting the above mentioned accounts to my consumer report.

2. Terminate all information sharing about the above mentioned accounts with nonaffiliated third parties.

3. Inform me of the specific procedures you have in place to honor consumer opt-out requests, as required by 12 CFR 1016.7 ( a ) ( 1 ) ( iii ).

4. Comply with this opt-out request as soon as reasonably practicable, as mandated by 12 CFR 1016.7 ( g ). I expect written confirmation of compliance with this request within 15 business days.

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  XXXXXXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NJ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXX XXXX  Employers : 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 2024-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Professional Debt Mediation - Refuses to provide payment history/receipts and also refuses to provide a written payment arrangement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: MO

Complaint narrative:
New account plus they put my information in incorrect. Online and card access keeps getting locked and makes it hard to put money into the account. Plus I had no knowledge multiple times because the email was incorrect. Multiple overdrafts I attempted to fund in the grace period but due to account issues that I have had multiple tickets submitted due to this issue. My manager at the company said he could wave all the fees but due to me being an employee I have to go through the call center. The call center refuses to waive anything and I feel like this is unfair and illegal practices by the bank. If I was a random customer I would have had this issue taken care of promptly. Due to me being an employee theres nothing I can do. I am not representing regions in my FREE AND PERSONAL TIME OR ACCOUNTS. I should be treated unfairly because I work here.

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 2024-11-08 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$380.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$880.00} XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BMO has a promotion that after making direct deposit of more than {$7500.00} in three months, customer will get {$450.00} bonus. Their agent who made promotion to me and helped me open the account told me that three months was calculated from the date I received my first direct deposit. But now their customer service said it's from the date I opened the account. This was a misrepresentation which I relied on when opening this account, because I would open the account later if I knew it was calculated from the date I opened the account.

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 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX. XXXX I got a notification of a hard inquiry from XXXX XXXX. I never applied for an account on XXXX  XXXX. I contacted XXXX to remove that hard inquiry and they did but now I have an account closed on my credit report. It shows that the credit limit was XXXXXXXX XXXX and someone charged XXXX XXXX on it. On XXXX XXXX  for XXXX and trans union it still shows the hard inquiry on my credit report and they asked me to file a police report or to file it on this website so I can send it to them and then theyll be able to remove my hard inquiry

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 2024-11-08 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file. 
Please block and delete the following accounts due to their fraudulent nature : XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$31.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$900.00} XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. 
The name of the original creditor to whom the debt was owed. 
A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. 
Proof of your authorization to collect on behalf of the original creditor. 
A breakdown of any additional fees or interest that have been added to the debt since its origination. 
Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report.

I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I called Discover 's customer service and chatted with a supervisor about correcting the information on my consumer report. I was informed that she, ID # XXXX did not have the ability to remove information connected to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I had the same call with XXXX XXXX and XXXX XXXX, but they put the dispute in today XXXX XXXX. She, ID # XXXX did see the dispute I made before. I am disputing the recording of the information not if the information is correct. I explained

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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 recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank 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 2024-11-08 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: GA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank 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 explanation