vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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:
This is not my account. I have no knowledge of this account. 15 USC 1681b. I have never submitted any application or personal identification to create this account. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 


Account number 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 2024-12-31 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: CA

Complaint narrative:
I requested a copy of my consumer report and noticed a few credit inquiries that were furnished on my consumer report. I did not authorize these inquiries, I do not recognize these credit inquiries, and I did not give any written instruction or permissible purpose for creditors to accuse or furnish anything on my consumer reports. By law this constitutes a form of identity theft due to the fact that my information was knowingly used without my consent.

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 2024-12-31 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on account that I was in fact paid on time. The Consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I have attached a copy of my credit report to this complaint on the following date ( XXXX, 2022 ). I'm now requesting you investigate this accountant update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2024 my debit card was unauthorized to be used at a Bank of America atm on my savings account in the amount of {$2000.00}. I did not immediately know my card was used until I went inside the bank the morning of the XXXX to get a cashiers check to pay bills and could not locate my debit card as the teller inside the branch requested me to put it into the terminal to pull up my account. I went to look inside my purse and noticed it was gone but though because I was in a rush to get it done before closing that I may have overlooked it when looking. I proceeded to ask the teller rep if I can pull up my account using my photo ID the proceeded with the account verification. I then went on to deposit {$3500.00} into my checking account to print a cashiers check. When I left the bank I went to move more money to get a money order made out to make another payment and noticed my savings account had about {$43.00} left in it. So I proceeded to contact Bank of America and was provided with information that my debit card was used for an atm withdrawal from my savings account in the amount of {$2000.00}. I immediately opened up a fraud claim, i also requested camera footage or a photo of whom used my debit card to file a police report. I have been calling everyday the bank was opened to get status checks or to see when I would be receiving my money back and they could not tell me anything other than it would be a decision made by XX/XX/XXXX. On today I woke up to a notification that my claim was completed so I reach out to Bank of America by phone to have it further explained what it meant. I was told my claim was denied because who ever used my debit card knew my pin and there werent any failed attempts for the pin. I feel my rights were denied to me because if a through investigation was completed it would prove I am not the one who took these funds out my atm and I did not give anyone permission to authorize this transaction. Furthermore, as a consumer my rights were violated and because a pin was used does not prove that this transaction was authorized. I also know in my XXXX the fraud department did NOT want to reimburse my insured money back unto me because they knew by appealing the claim they have an additional XXXX calendar days to reimburse me. I have also expedited this claim XXXX different times since filing the claim.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XXXX XXXX 2024 when i woke up i was notified that {$2500.00} had been taken out of my account and paid to someone named XXXX XXXX who i do not know nor have i ever done business with them.While i was on the phone wiht the bank telling this to them another withdrawel came in from a differant person and then another under this same name. The bank cleary saw this was fraud and stopped payment before i did it myself however they refused to reimburse me of the {$2500.00} I will be attaching pictures of the various letters i was sent and my bank had to send me 2 new cards and also refunded anther payment that they allowed to be taken out after i hit the word no on the text i receieve asking if i authorized the transaction. After being a customer of this bank for well over 20 plus year ; 's i feel i should bbe reimbursed without hesistation because this payment was not authorized by me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has failed to ensure accurate reporting of my payment history for several accounts, including but not limited to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with Inaccurate Reporting Inaccurate Payment History : My credit report contains inaccurate entries for payment histories across these accounts, including repeated monthly reporting of charge-offs as new events. For example, the payment history for one or more accounts reflects entries like " Charge Off as of XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, '' which is improper. 

Failure to Ensure Accuracy : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Repeatedly listing charge-offs as new events each month violates this obligation and has caused significant harm to my credit score.

Violation of Reporting Statutes : According to 15 U.S.C. 1681c ( a ) ( 4 ), a charge-off can only be reported for seven years from the date of the first delinquency leading to the charge-off. Experian 's repeated reporting of charge-offs as new events does not reset this statute of limitations and is misleading.

Unjustified Account Closures : Experians report inaccurately reflects unjustified account closures from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite my efforts to maintain a perfect payment history. These closures, without prior notice or valid justification, have unfairly damaged my credit profile. 

Violations of the Wisconsin Consumer Act ( Wis. Stat. 427.104 ) Experians reporting practices also violate the WCA by failing to provide fair dealing and reasonable communication. Specifically : Failure to Provide Adequate Notice : Inaccurate reporting of account closures and repeated charge-offs deprived me of the opportunity to address or dispute these issues. 
Unjustified Harm : These actions have caused significant and undue harm to my credit-building efforts and financial reputation.

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
XXXX XXXX was a co-worker friended on XXXX. On XX/XX/XXXX she posted a message with approximately XXXX pictures of items for sale. The story was her sister in law was going into long term care and she needed to get rid of items in a hurry out or her home. If anyone wanted any of the items they were to inbox her through XXXX  on XXXX. I have screenshots of all those messenger conversations. When messenged I asked where and when I could pick up the items I wanted. She asked if I it could pay right away so she could remove the items from the cue as things were purchased. I XXXX  myself {$950.00} from my XXXX XXXX Account. I complied to pay but then got a text messages that the {$750.00} XXXX payment was returned. I went to Cash App before receiving that message to send the remaining {$200.00} off of the same account in XXXX where the XXXX payment was made. By then I saw the XXXX text and went into my XXXX account where XXXX XXXX requested a {$700.00} payment. I then paid the {$700.00} and then got a text message the money was returned from there also. Whilst messaging this person ( XXXX XXXX ), I called XXXX to find out why the money was returned. XXXX had informed me they did not return the {$700.00} and they also do not send such information via text. When I made that person I was messaging with aware XXXX doesn't text message returns. They stopped texting and blocked me from further contact.I quickly called XXXX and spoke with a customer service agent who told me it was impossible for them to send me a text the money was reared because the receiving bank had not received the funds as of yet. So the probability was high I would get my refund. XXXX then later let the transaction go through and then tole me they were not going to refund the money. Initially XXXX refunded the {$200.00} and has now since also reversed this charge as well. 

FTC Report number : XXXX FTC Report number : XXXX XXXX Submission ID : XXXX XXXX Police Report : XXXX Consumer Financial Protection Bureau XXXX CFPB ) COMPLAINT ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
I am submitting this complaint personally, without any third-party involvement. Attached are letters providing further details about the information being reported on my credit report. I have never had a contractual relationship with The Bureaus, and I believe the original creditor, XXXX XXXX XXXX XXXX, sold my account without proper notification. This is a clear violation of FCRA Section 611 due to the inaccurate reporting on my credit report. I request that this account be deleted immediately because of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Account Reporting Under FCRA Dear TransUnion, I have already formally disputed the reporting of a charge-off account on my consumer credit report. The account in question is from XXXX XXXX XXXX XXXX. This information is inaccurate and should be removed from my report for the following reasons : Treatment of Debt as Income : This account has been reported as a charge-off ; however, under IRS regulations , a charge-off debt is considered income when canceled or forgiven. There is therefore no basis for reporting this as a charge-off on my credit report as income is not reported on consumer reports. 


Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that only accurate and verifiable information be reported on consumer credit reports ( 15 U.S.C. 1681 ). As this debt should be classified as income rather than debt, its inclusion as a charge-off constitutes inaccurate reporting. Further, under 15 U.S.C. 1681i, a charge-off can not have a reporting balance. 


Income Reporting on Consumer Reports : Income or canceled debt does not fall within the scope of items that can legally be reported as negative information on a consumer credit report. Continuing to report this account is misleading and does not accurately reflect my financial obligations. 


To resolve this matter, I request the following actions : Remove this charge-off entry from my credit report ( timeframe : 4 business days ) since this is a persisting issue previously disputedly privately with TransUnion. Also provide a written response detailing the deletion. 

Thank you for your prompt attention to this matter. I look forward to your reply. 

Sincerely

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I had a charge of {$5.00} that I had forgotten about, when I realized that I needed to pay, my online account had been deleted/locked out and I was unable to make the payment. I had to call and get their customer support to help me make a payment, and by then I had a {$40.00} late fee applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
hello I have reached out the the credit bureaus ( XXXX, XXXX, and Equifax ) numerous of times about the fraudulent activity reporting. I have also reached out to the creditor requesting proof of the debt but none has been provided. I have also reported the accounts the the FTC. Could you guys please assist me in this situation? I request that the unrecognized accounts please be removed as soon as possible. Thanks for any assistance that you may provide in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
I purchased in XXXX and my loan was sold to XXXX . They are not applying my payments appropriately and have charged me fees for issues not on my end. I can prove that I sent my payments in plenty of time to avoid any fees yet they continue to tell me that it is my fault that the payments are not being received. That is impossible because I'm using the online banking bill pay and no other payments i make are an issue. I have quadruple checked the banking information and I know it's not the banking information because ONE payment successfully went through in XXXX and was applied appropriately to my account. So that proves to me that all of the information on my end and the process on my end is working. It is the receiving end with issues. The first time it was outright rejected and that is notated clearly on my banking memo. This is not a paper check that is mailed to them. This is an electronic payment that they received within 2 days. The customer service representatives tell me I need to " learn how to use the mail system ''. And I need to " learn how to pay my bills in time '' and they are unhelpful. They will not look at anything that I'm asking them to look at which gives me this feeling that this is created specifically to collect fees. I tried to pay on the site to avoid a ding to my XXXX credit score and they said I had insufficient funds and noted that on my account. That's crazy and a blatant lie that I can also prove. Just a terrible experience to deal with the past three months. I'm still trying to get XXXX paid and I have made four attempts that Newrez is still rejecting. I'm about to file suit honestly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit collection services XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} To Whom It May Concern, I am writing to dispute the collection account that you have reported as an " OPEN ACCOUNT '' on my credit report, as it is not in compliance with the FCRA LAWS and Metro 2 laws. Collection accounts should not be reported as " OPEN ACCOUNTS, '' and it is imperative that this erroneous information is promptly removed from my credit report. I request that you provide me with an updated copy of my Credit Report once this incorrect entry has been removed.

According to consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and Metro 2 laws, I have the right to dispute inaccurate or misleading information on my credit report. I believe that this reporting of the collection account as an " OPEN ACCOUNT '' is incorrect and not in line with the applicable laws governing credit reporting. 

Please investigate this matter thoroughly and correct the error as soon as possible. Failure to comply with the FCRA and Metro 2 laws can result in serious legal consequences.

I am looking forward to a prompt resolution to this dispute. Your cooperation in rectifying this matter is highly appreciated. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management XXXXXXXX XXXX XXXXXXXX Balance : {$590.00} To Whom It May Concern, I am writing to dispute the collection account that you have reported as an " OPEN ACCOUNT '' on my credit report, as it is not in compliance with the FCRA LAWS and Metro 2 laws. Collection accounts should not be reported as " OPEN ACCOUNTS, '' and it is imperative that this erroneous information is promptly removed from my credit report. I request that you provide me with an updated copy of my Credit Report once this incorrect entry has been removed.

According to consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and Metro 2 laws, I have the right to dispute inaccurate or misleading information on my credit report. I believe that this reporting of the collection account as an " OPEN ACCOUNT '' is incorrect and not in line with the applicable laws governing credit reporting. 

Please investigate this matter thoroughly and correct the error as soon as possible. Failure to comply with the FCRA and Metro 2 laws can result in serious legal consequences. 

I am looking forward to a prompt resolution to this dispute. Your cooperation in rectifying this matter is highly appreciated. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Transunion, 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 This letter is a formal request to correct inaccurate information contained in my credit file. The item ( XXXX ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX XXXX XXXX XXXX XXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last XXXX months, or the last XXXX  years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past XXXX months. I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within XXXX days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. Thank you for your time, 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