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: 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 2024-12-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim Collection/Chargeoff. 

By not replying in a timely manner to my initial letter on XX/XX/year>, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response now that I have informed you of your legal obligation to respond to my initial dispute that went unanswered.

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 is missing that should be on the report
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
account reported on my credit report under XXXX XXXX  and Conteninal Finance # XXXX is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. account reported on my credit report under XXXX XXXX XXXX XXXX XXXX Continental Finance Company is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX ], which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this item be promptly investigated and updated to reflect accurate information or removed if it can not be verified.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Subject : Misinformation by Bank of America Leading to Unfair Late Fees and Interest Charges I am filing this complaint against Bank of America regarding interest charges totaling approximately {$200.00}, which I incurred due to repeated misinformation provided by their customer service representatives. 

1. Misinformation on Payment Dates : On XX/XX/XXXX ( the due date of my payment ), I called Bank of America to confirm what I needed to pay to avoid interest charges. The representative explicitly informed me that I had until the statement closing date ( XX/XX/XXXX ) to make my payment without incurring fees or interest. Acting in good faith on this guidance, I paid after the due date but before the statement closing date. Per the screenshots I sent, I kept calling month after month for specification on how much to pay. Paying after the due date would defeat the purpose of calling in the first place.

Also, Although the interest charged aligns with the APR terms, the charges were incurred due to misinformation by a Bank of America representative. This complaint is about how the charges were incurred due to misinformation, not the amount of the interest itself. The misinformation directly caused four months of avoidable interest charges -- for XXXX, XXXX, and XXXX ; I will also incur another interest charge in XX/XX/XXXX. They keep quoting their policy to me, but had their representative, who was acting on behalf of the bank, not misinformed me to begin with, this would never have happened. So, ultimately, the misinformation favored the bank, but hurt me. 

2. Continued Misinformation : During subsequent calls in XXXX and XXXX, Bank of America representatives provided inconsistent and incorrect payoff amounts, further compounding the issue. Despite my attempts to resolve this, the bank has refused to refund the charges, stating that I should have relied on my statement rather than their representatives guidance. 

3. Unfair Financial Harm : As a long-standing customer with a history of responsible credit usage, I have never faced such charges before. This issue is entirely due to the misinformation provided by Bank of Americas employees, which I trusted in good faith.

Steps Ive Taken : I attempted to resolve this matter directly with Bank of America through multiple calls and escalations. They have refused to waive or refund the charges, citing their policy rather than addressing the core issue of misinformation.

Attachments : 1. Screenshots of statements showing interest charges for XXXX, XXXX, and XXXX. 
2. Records of payment history showing payments made before the due date and statement closing date.

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: 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a bunch of documents from the attorney XXXX XXXX XXXX XXXX, XXXX  ) representing XXXX XXXX XXXX XXXX XXXX with Account Summary and Payment Information. XXXX XXXX XXXX did not provide me, the consumer, with a Statement of Account. The attorney only provide an Account Summary from PayPal Credit. I believe that the account is over XXXX XXXX XXXX and the attorney is trying to collect payment after the State of Arizona Statute of Limitation.

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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We logged into wellsfargo.com from our desktop. When we did, it required us to submit an " attestation '' verifying our identity. Since this was on the Wells Fargo website, we did it, and the website then said " we are sending you a verification code. '' The same number that usually sends us verification codes for Wells Fargo sent us a code without any suggestion that it was for a wire transfer. However, we then received a text saying Wells Fargo was transferring {$25000.00} to someone named " XXXX XXXX. '' The website then changed to say it was down for routine maintenance, but the message referred to " The XXXX  XXXX XXXX. '' We immediately called Wells Fargo 's fraud department to report the case. They said the money was transferred to an account number XXXX, but would not give us routing number and did not confirm what bank was involved. We did not authorize this transaction.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Investigation took more than 30 days
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.

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 consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-12-31 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: OK

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous inquiries that I have no knowledge of. Here are the accounts and dates that Ive found, 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 I also attached my identity theft report as well.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This account was purchased by the third-party debt collector, National Credit Systems . The status and amount reported for this account are inaccurate, as the account was either paid in full or settled for less than the owed amount. I am requesting the immediate removal of this account from my credit report. 

Furthermore, I have never had a contractual relationship with National Credit Systems. I believe the original creditor, XXXX XXXX XXXX XXXX, sold my account without providing proper notification. This action violates FCRA Section 611, which addresses the reporting of inaccurate information on credit reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVE
RIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 non-monetary relief
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: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute and formally report unauthorized activity on my credit profile. I recently discovered that my credit report reflects several inquiries and activities I did not authorize. After reviewing my credit report in detail, I believe my credit profile may have been used fraudulently. 

These inquiries include attempts to run my credit on multiple occasions, none of which were initiated or authorized by me. This unauthorized activity has raised significant concerns, and I would like to take immediate steps to resolve this issue and protect my creditworthiness. 

To address this issue, I have made efforts to contact the companies responsible for the inquiries, as well as the credit reporting agencies. Despite my attempts, I have not received the written explanation I requested regarding these unauthorized activities. This lack of response has further complicated the situation and heightened my concern. 

To support my claim, I have included copies of my recent credit report highlighting the unauthorized inquiries in question. I request that you : 1. Remove the unauthorized inquiries and any related inaccuracies from my credit report.

2. Investigate the origin of these fraudulent activities.

3. Provide confirmation of the resolution in writing.

For additional verification, I have enclosed copies of my government-issued ID and proof of address. If further information or documentation is required, please do not hesitate to contact me directly at [ Your Phone Number ] or [ Your Email Address ].

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if there are any additional steps I should take to ensure this issue is resolved. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copy of recent credit report with unauthorized inquiries highlighted - Copy of government-issued ID - Proof of address

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: VW Credit
State: OR

Complaint narrative:
There have been XXXX instances in the past XXXX months where Volkswagen Credit has incorrectly reported me 30 days past due. I always pay online, or through the XXXX both times I was reported late was because their systems were down due to maintenance. I have contacted them both times and made them fully aware that I could not make my payments due to their systems being down. They did not acknowledge my complaints and would not correct my payments being late. This is a direct violation against FCRA.

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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : Federal # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : Federal # 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. These inquiries were made fraudulently and without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the unauthorized inquiries : 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  Applicable Laws Violated : FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may only furnish a credit report for a permissible purpose. Hard inquiries require the consumer 's authorization.

FCRA Section 616 ( 15 U.S.C. 1681n ) : Willful noncompliance with the FCRA, such as reporting unauthorized inquiries, subjects the reporting entity to liability.

FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Consumers have the right to dispute inaccuracies in their credit reports, and the credit bureau must investigate the disputed items within 30 days.

FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Furnishers are prohibited from reporting inaccurate or incomplete information knowingly.

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