vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-29 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-29 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
My information and credit was compromised in the data breach all items should be deleted that are not imine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I have been disputing an account with WESTLAKE FINANCIAL SERVICES for a while now. Theres a CLOSED ACCOUNT from them on my credit report. The account doesnt belong to me. The account been closed on my report for over 2 years. Today I received an email from XXXX stating that WESTLAKE FINANCIAL SERVICES ( ADDED ) extra money to that account within the past 24 hrs. For whatever reason, I have no idea. The account have been closed and under investigation and money has NEVER been added to that account until now. This is fraudulent and unreasonable. Ive spoken to XXXX about this matter and the gentleman stated that he has NO IDEA why money was added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due 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 non-monetary relief
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: SC

Complaint narrative:
I found an auto loan from XXXX XXXX on XX/XX/year>. On my credit report with a balance of {$18000.00}. I have no knowledge of this account and never took out an auto loan. Ive been trying to contact XXXX and they still havent resolved any issues with this effecting my credit.

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 2025-01-29 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name :XX/XX/XXXX Account Number : XXXX Balance : {$2700.00} Reason : I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name :XX/XX/XXXXAccount Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : EQUIFAX : XX/XX/XXXX on XXXX/XXXX/2024 XXXX TX XXXX on XXXX/XXXX/2024 XX/XX/XXXX on XXXX/XXXX/2024 XX/XX/XXXXXX/XX/XXXXon XXXX/XXXX/2024 XX/XX/XXXX XXXX XXXX XXXX on XX/XX/year>2024 XX/XX/XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXX : XXXX XXXX on XXXX/XXXX/2024XX/XX/XXXXL on XXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX on XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX OF XXXX on XX/XX/year>2024 XXXX : XXXX on XX/XX/year>2024 XX/XX/XXXX on XX/XX/year>2024 XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXXXX/XX/XXXX on XX/XX/year>2024 These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-01-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name :XX/XX/XXXX Account Number : XXXX Balance : {$2700.00} Reason : I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name :XX/XX/XXXXAccount Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : EQUIFAX : XX/XX/XXXX on XXXX/XXXX/2024 XXXX TX XXXX on XXXX/XXXX/2024 XX/XX/XXXX on XXXX/XXXX/2024 XX/XX/XXXXXX/XX/XXXXon XXXX/XXXX/2024 XX/XX/XXXX XXXX XXXX XXXX on XX/XX/year>2024 XX/XX/XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXX : XXXX XXXX on XXXX/XXXX/2024XX/XX/XXXXL on XXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX on XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX OF XXXX on XX/XX/year>2024 XXXX : XXXX on XX/XX/year>2024 XX/XX/XXXX on XX/XX/year>2024 XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXXXX/XX/XXXX on XX/XX/year>2024 These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-01-29 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: TX

Complaint narrative:
Im requesting the immediate removal of an inaccurate item from my credit report. The information reported does not comply with FCRA guidelines and fails to meet the required accuracy standards.

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 2025-01-29 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: TX

Complaint narrative:
Im requesting the immediate removal of an inaccurate item from my credit report. The information reported does not comply with FCRA guidelines and fails to meet the required accuracy standards.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America suddenly froze my bank account in XX/XX/year>. It happened at the same time as my being charged with XXXX for being present at a protest to halt the construction of a police militarization facility partially funded by Bank of America. I had no financial issues or reason why my account would be suddenly frozen, so this incident does not seem like a coincidence to me. I was unable to access my paycheck and had to switch to a different bank.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently made a payment for a fundraiser for my son 's school via XXXX. Close family requested I make additional payments for them via XXXX since they didn't have the app needed to support my son 's school fundraiser. 
Unbeknownst to me, making a payment via XXXX with my card is considered a " cash advance ''. Going forward, I will not be using this card for that ; however, based on my track record with Capital One I called and requested a one-time courtesy fee waiver on the 4 cash advance fees I received. They said they could only waive 2 but not 4 as it was an exception to policy. I appreciated that but if it's an exception for 2, then 4 for an additional {$20.00} isn't too much to ask considering my track record with Capital One. I explained the situation and asked them to look at my history. I have never requested a fee waiver, I typically pay off my balance every month and I don't think it's too much to ask for a one-time courtesy waiver of {$40.00}. 
After being loyal to capital one for so long, I don't think {$40.00} was too much to ask considering I've never done it before, it was a one-time request and it was for a fundraiser for my son 's school. I will be looking into other credit card options since this is how Capital One chooses to treat their loyal customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management tried to collect on a debt I didn't owe. After being harrassed for almost a year we went to Court XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ) in XXXX of 2024 ( see attached file ). The case was judged in my favor and ultimately dismissed by the Judge. The amount was in the neighborhood of {$4400.00}. Since then, I've reached out to this unethical collection company to have the entry REMOVED off my credit bureau! It is still on there after 7 months! 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accounts Interchange Group LLC
State: WA

Complaint narrative:
A number I didnt recognize sent me the following text message : This is Accounts Interchange Group XXXX LLC. XXXX a professional debt collector. You owe {$1500.00} regarding XXXX XXXX XXXX, ref # XXXX. Settlement offer {$780.00} due by XX/XX/2025. Call us at XXXX or to access your account information or make payment ( s ) on-line visit https : //portal.accountsinterchange.com Reply " STOP '' to stop receiving text messages. 


I dont know anything about any such debt. When I tried to call the number, they would put me straight to hold and then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-01-29 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation