vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate 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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was paying multiple bills that needs to be paid, and once I check my account after I paid all my bills, I ended up be overcharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
The Fair

Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I was sent a mail in my box that I was pre-selected to apply for the Citi Double Cash card. Ordinarily, I wouldn't have applied because I knew the impact it could have on my credit score, but because I saw the letter read that I was pre-selected, I applied. Upon applying, I was surprised that I was denied, and I wondered why they would deny me if they were the ones to invite me to apply in the first place. I felt led on by the unsolicited letter I got from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$1200.00} I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$310.00} XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am getting calls everyday from " Credence Resource Management '' company. I usually do not pick up calls from unknown numbers. Today when I checked my credit score, I saw that a debt collection of {$76.00} is added to my name for a closed account in XXXX XXXX. I have no idea why it got added to my account as I am unaware of such account. I am a XXXX user for the last 1 year and I never closed my XXXX account. 

The Credence Resource Management company didn't even send me any email showing all the details. I called them and argued about it and they told me that they will investigate. If the investigation is against me then charges will be added to my SSN account. I have no idea what is going on. Also I saw another address got linked to my SSN credit. 

I am also not sure if my SSN is somehow leaked by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
IN XXXX, XXXX, I STARTED RECEIVING BILLS FROM AMERICAN EXPRESS BLUE CARD WE OPENED IN XXXX. I THOUGHT IT HAD BEEN CLOSED WHEN WE UPGRADED TO A GOLD CARD IN XXXX. ( I HADNT HAD A BILL SINCE, ) I CALLED TO ASK WHAT TRANSACTIONS WERE CHARGED ON THIS CARD. THEY TOLD ME THEY DID NOT KNOW? AFTER CALLING THEM TWICE EVERY MONTH, I ATLAST, GOT A FEMALE THAT WORKED IN DISPUTES, TO MAIL ME XXXX STATEMENTS FROM XXXX THROUGH XXXX, XXXX. I WENT THRU THEM AND FOUND THE XXXX FRAUDULENT CHARGES MYSELF.. 
XXXX. ON XX/XX/XXXX, MY PREVIOUS BALANCE OF {$0.00} WENT TO {$510.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX MY CARD WAS CHARGED {$1400.00} - XXXX SEND : ADD MONEY AT XXXX XXXX. 
THEY HAVE REDUCED BALANCE BUT REFUSE THE LAST {$850.00} REFUND. THE HAVE ADMITTED IT WAS IDENTITY FRAUD. XXXX HAS SEND ME A FORM ASKING ME IF I EVER LIVED IN XXXX, XXXX. I HAVE NOT, CAN YOU HELP?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
XXXX bought property from my wife and I and needs a partial release. The title company started emails to our mortgage company, Newrez, on XX/XX/year>, and never heard back from them until 1 week prior to funds needing to be paid. 

I received an email from Newrez on XXXX saying I needed to provide {$22000.00} as a loan-to-value payment for a partial release, and the title company wanted payment by XXXX. I responded on XXXX asking how that was calculated to verify if it was correct so I could make an accurate payment. I have never heard back from Newrez A week later I received an appraised value for my property under partial release and forwarded that to Newrez to have them see what they thought of the appraised value against their original amount. This email was on XXXX, and I have never heard back from Newrez. 

Since I have never heard back from the partial release department at Newrez, I have called them numerous times. I can only call them on their general purpose line, and have always been told that Newrez doesn't have a phone number to their partial release department. I have also been told they have 48 hours to respond to emails. Every time I call I'm told it has been escalated, and it will take up to 72 hours to hear back from them. 

The date of payment to the title company has passed, and I still haven't heard from Newrez. They don't respond to their emails, even after escalation, and there isnt a phone number directly to their department. Payment to the title company hasnt happened because we dont know the correct amount to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: SC

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: SC

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
Mixed information on my credit report is showing accounts that are not mine, and its harming my credit score. I have reached out several times with no action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
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 non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XX/XX/XXXX : Dear ChexSystems, I, XXXX XXXX XXXX XXXX, am writing this letter to dispute a claim that is falsely listed on my consumer report with your bureau. The following item is fraudulent ; I have NEVER opened an account with XXXX XXXX XXXX. The account details are as follows : Amount : {$1600.00} Account Number ( RTN/ACCT # ) : XXXX / XXXX Reported For : Transactions involving possibly forged items or checks Date of Closure : XX/XX/XXXX Closure Status : Unpaid Closure Status Date : XX/XX/XXXX I am disputing this claim because I have NO KNOWLEDGE of this account. It is FRAUDULENT, and I am requesting that it be REMOVED IMMEDIATELY. This is my official request to have the aforementioned item deleted from my consumer report. Attached is additional evidence to support my claim ( XXXX Police Report and FTC 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 2024-11-12 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: MO

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This account is being reported on my consumer report. I was never notified about my right to dispute or given any information verifying this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Bank of America regarding persistent and unresolved issues with my XXXX XXXX XXXX XXXX, which I opened on or around XX/XX/year>. 

Since receiving the card, I have encountered numerous problems with its functionality. The card is consistently declined for every transaction, regardless of the amount or vendor. This has led to significant inconvenience and frustration. 

I have contacted Bank of America 's customer service department on multiple occasions, nearly 20 times, to address these issues. Despite numerous promises to resolve the problem, the card continues to be declined. I have followed all suggested troubleshooting steps, including downloading the mobile app and enrolling in text alerts, but these measures have been ineffective. 

Due to these ongoing issues, I am unable to utilize the card for its intended purpose. This has prevented me from meeting the spending requirements for a bonus offer associated with the card. Additionally, Bank of America charges me a yearly fee for a card that is essentially unusable. 

I believe that Bank of America 's failure to resolve these issues constitutes a significant violation of consumer protection laws. I am seeking compensation for the inconvenience, frustration, and financial loss caused by these persistent problems. I would appreciate it if you could investigate this matter promptly and take appropriate action. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
A real debit card with chip was sent to me in the mail without my request for it or any application on my part. The advertising says the future is looking bright. All you need to do activate your card to start spending I feel this is predatory because I didnt apply for it and what if someone else took it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
A lot of Overdraft charges were piled on and my accounts were closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
Victim of XXXX XXXX I am attaching proof on this very sensitive traumatizing situation. Please remove accounts involved. This process should be no hassle.

Company response to consumer: Closed with explanation