vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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 2024-10-03 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:
Trying to remove accounts that were fraudulently opened because I do not recognize them. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion replace the deleted account back on my credit report unproving the account was mine with inaccurate information. XXXX XXXX  - Account # XXXX - Inaccurate ACCOUNT NUMBER and Status of {$25000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting XXXX XXXX  XXXX Account # XXXX - Inaccurate Account Number and Status of {$24000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting SHOWING CLOSED ACCOUNT BUT POSTING LATE PAYMENTS XXXX XXXX XXXX, THEN CHARGE OFF DATE UNKNOWN THEN AMOUNT PAST DUE, NO CHARGE OFF ACCOUNT CAN HAVE A PAST DUE AMOUNT OR REPORTED PAST DUE AMOUNT. FCRA 609 ( a ) and FCRA 611 ( a ) ( 2 ) Violation.

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 2024-10-03 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: PA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a text XXXX hrs my balance was under {$6.00}. 
I checked online early am and system only provided yesterday 's balance and that was wrong too. I called and automated system said yesterday 's data. 
I tried a few times to call Customer service but hold times were long and cut off 2x on hold. I called after work and on hold XXXX XXXX and they disconnected. 
I kept checking online and by phone for updated balance without success until XXXX XXXX. I now was able to see my current balance and overdrawn by {$28.00}. I only had XXXX XXXX  to go to the bank to deposit. 
I immediately called BOA to see if they are allowing additional time for us to deposit. I was on hold for until XXXX XXXX. They are not offering exceptions. They only apologized and said if any fees they will review. 
Therefore I will have 3 small items returned with returned fees due to not gaining access until after the cutoff time. 
I never received a text stating I was overdrawn either.

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 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
After multiple calls to me and family I reached out to this company. The woman I spoke with identified them as AMA recovery and they have legal matters to discuss.. She proceeded to tell me that a credit card was opened in XXXX in my name which is incorrect. This account supposedly defaulted in XXXX but sat until going to collections in XXXX. And now the credit card company is filing suit for breech of contract and if I paid today it would be settled. Told her I wasnt paying anything until I had validation of this debt provided and that they can send it to my address that they have on file, something easily found with a simple search. I also requested they stop the repeated calls to me and my family. The woman claimed that the company making the constant calls was not them but a company they hire so there wasnt anything she could do about that. She also claimed that this company was not a debt collector despite the company saying they were calling to collect a debt, legal matters etc on multiple voicemails. She then told me I was a liar and that they were not collectors but a recovery company. This woman got ruder and ruder when she realized I wasnt falling for her scare tactics, told me that if I paid my bills I wouldnt have this problem and other disparaging comments when I wouldnt play her game. She said again that they were going to send someone to serve me papers for the lawsuit to which I told her that was fine and from now on a wanted any further communication to be via mail only. I told her to not contact me or my family again via phone. She didnt like what she heard and said she wasnt going to speak to someone being disrespectful and hung up on me and continued to hang up on me on all future calls. They have refused to answer anymore questions. I feel this is either a scam or a junk collector attempting to use scare tactics and practices that are illegal. I have contacted my attorney about this issue and they have advised me to route further contact to them when possible and any suit filed will be handled in their office. They also advised me to file this complaint and document all further communication.

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 2024-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
I closed without a TIL and have been trying to CANCEL. The numbers are also different and I haven't received any deed or documents of conveyance that I paid for to be recorded to XXXX XXXX through settlement agency. Apparently they have committed FRAUD. I notified them of my desire to cancel and recorded all call and have been getting the run around from customer service and finance. I'm XXXX and according to Supreme Court ruling TIL ACT have 3yrs to CANCEL but am to receive full refund within 20days after notice. PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/, I was charged a Foreign Check Collection fee of {$30.00} by Citibank. This was related to a check for XXXX GBP which I deposited on XXXX and posted to my account on XX/XX/ in the amount of {$57.00} USD. This fee was not disclosed to me at the time of deposit, and I can not find any information about it on Citibank 's website or on the documents I received when I opened my 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 2024-10-03 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: NJ

Complaint narrative:
I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX  XXXX XXXX and the credit bureau TransUnion. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report.

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA.

3. **New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information
. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law.

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.

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 2024-10-03 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:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noted a XXXX XXXX loan on my credit report which I did not recognize. I contacted the company and they claimed somebody was making payments for almost a year. I asked them to look into who is making these payments and who open the account since it was not me. They have not gotten back to me

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 2024-10-03 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: TX

Complaint narrative:
With Equifax my report has been incorrect for about 3 years. It shows a blank account every time I check. I have called enough times to be declared legally insane. Not only have I been told on countless occasions that they will advance it to their technical team, theyve reverted it and put information that was incorrect on it multiple times over the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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 do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed

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 2024-10-03 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: NY

Complaint narrative:
Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : 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 non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 non-monetary relief
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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 non-monetary relief
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} Please block this information from my credit report within four business days, pursuant to Section 605C 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 non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( XXXX and TransUnion ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and XXXX has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on XXXX reporting. The same goes for TransUnion right now. My credit score drop needs to be reversed, otherwise they are committing 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 2024-10-03 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: CO

Complaint narrative:
My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( Equifax and XXXX ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and Equifax has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on Equifaxs reporting. The same goes for XXXX right now. My credit score drop needs to be reversed, otherwise they are committing fraud.

Company response to consumer: Closed with explanation