vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America XXXX XXXX XXXX XXXX, FL XXXX Re : Disputing errors on credit report Dear Bank of America I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The report shows the above customer currently owes {$37.00} to your company. Be advised this account was resolved with full payment and closed at its initial date of delinquency, reflecting that the account was closed before said date. The card was deactivated once the account was paid in full and closed by me, the account holder, and Bank of America. Please urgently remove this from my account. Thank you in advance. 

Dispute Legal I request immediate action to remove this information under 18 U.S. Code 35, imparting or conveying false information against a person or entity. Please remove this as soon as possible. Thank you again.

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 2024-10-05 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:
To whom this may concern my name is XXXX XXXX and this statement is being composed by me. Per the Fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purpose of consumer reports. I demand the removal of the following accounts and incorrect information : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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

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

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

Company 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 2024-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
An XXXX XXXX XXXX credit card - Concora Credit Account issued by XXXX XXXXXXXX XXXX, Member FDIC closed account due to unauthorized or suspicious activity when I tried to make payment through routing and account number of my banking institution. Their online billing system didn't recognize my routing number and account number, but my banking institution has a special wire transfer routing number that I was able to use for payment and Concora Credit accepted the payments that I paid at the time. These two payments were made on XX/XX/year> and XX/XX/year> in the amounts of {$250.00} and {$150.00}, respectively. The payment due date is XX/XX/year>. A day or two later the payments were reversed. I called Concora Credit and made a payment with the routing and account numbers for my account and the payment has been credited as of XX/XX/year>. Although my payment was being made on the exact same date that the account was being closed, I did not find out until today that they had closed my account for unauthorized or suspicious activity. They mailed a letter that I received today informing me of the account being closed for the mentioned reasons. When I called Concora Credit they stated there was nothing wrong with their online payment portal, which is not correct. I am able to make payments to other companies using my account and routing numbers on their online payment systems but for some reason on multiple attempts Concora Credit reversed the payments. Had I not been paying attention to my account ; I think it entirely possible that I may not have known the payments were reversed and potentially be penalized for a late payment fee and lose the special zero percent interest financing on my purchase. When I called Concora Credit I could hear lots of background noise, which I suspect were people who had payments reversed that were made on their online payment system and they are now penalized with late fees and compounded interest. If I hadn't started attempting to make my payment a month before the payment due date and seeing that the payments were reversed, and instead tried to pay on the due date or a day prior which would've certainly resulted in a late fee and losing my special zero percent interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I WAS NEVER LATE ON THE PAID OFF ACCOUNTS SHOWN BELOW PLEASE SHOW ME DOCUMENTATION SHOWING PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING OF MY ACCOUNT IF YOU CAN NOT SUPPLY THESE PLEASE DELETE THIS ALLEFED LATE PAYMENT FROM MY CREDIT REPORTYOUR DISPUTE REASON SHOULD BE THAT THIS IS AN invalid late payment. FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED 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 2024-10-05 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Credit Card : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity. 
Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : XXXX. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX b. XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX PR XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity. 
Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : XXXX. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX b. XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX PR XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2024-10-05 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On multiple occasions I have reached out citing legal forms requesting information that is backed by the government and have not received anything. I now demand that the items I have requested starting Tuesday, XX/XX/. Since then I have re submitted the request multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-05 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: MD

Complaint narrative:
After going through my recent credit report, I identified several accounts that I believe were added without my knowledge and are incorrect.

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 2024-10-05 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: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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 am victim of identity theft do to the XXXX data breach the XXXX XXXX data breach and also XXXX XXXX. Attached is an identity theft report with all listed fraudulent accounts. It is against consumer law to report fraudulent accounts. 

Fraudulent Accounts XXXX XXXX {$2200.00} Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$700.00} Account Number : XXXX XXXX XXXX XXXX {$1200.00} Account Number : XXXXXXXX XXXX XXXX {$3100.00} Account Number : XXXX XXXX XXXX XXXX {$62.00} 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 explanation
Consumer complaint received 2024-10-05 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$510.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Balance : {$670.00}

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 explanation
Consumer complaint received 2024-10-05 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:
This company is furnishing reinserted information to my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-10-05 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit report. These inquiries are not recognized by me and are the result of identity theft. Despite my efforts to resolve this matter directly with the credit bureaus, they have not taken the necessary steps to remove these inquiries, even after my repeated requests. 

I am attaching an Identity Theft Report as evidence that these inquiries are fraudulent and do not belong to me. I have already requested that the credit bureaus remove these inaccurate inquiries from my report, yet they have failed to act in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you assist in the immediate removal of these hard inquiries from my credit report, as they are damaging my credit score and were not authorized by me. 

Please find attached the Identity Theft Report for your reference. I trust that you will help resolve this matter swiftly, as I am committed to restoring the accuracy of my credit history. 

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

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 2024-10-05 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: MA

Complaint narrative:
Received an email from chase Important : We decided to close your account ( s ). They are closing 3 of my credit cards, 1 checking and 1 savings account On XX/XX/scrub>XXXX XXXX XXXX 

All credit cards have been paid on time, had direct deposit transferred to my savings and checking, and had money in the savings. 

Tried to reach out via phone but was told they could not let me know why and they will no longer let me have any account with chase. 

Tried going in store but they could not get any answers. So I withdrawed my money from both accounts and pending some sort of account closer confirmation from them. 

Here I am today opening this claim because I have been wronged with this account closure as I have been with this bank for the last 15+ years.

Company response to consumer: Closed with explanation