vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-22 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been calling everyday since XX/XX/year>2024. I paid for all 3 FICO scores and this is the error I keep getting : Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I do have a record and they will not share my FICO 8 score only the other one. I keep telling them I need FICO 8 because Im trying to purchase a house and was told no 8 times. Im losing this housing deal because they wont even give my score to the bank, they gave me the task to try and Im not getting anywhere with them. I called all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: SC

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry from XXXX XXXX appearing on my credit reports. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry from XXXX XXXX appearing on my credit reports. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America offers cash back on credit cards. So essentially you spend money using credit card and you get a % back over time as a rewards. They call it cash back. You are able to put the cash on your checking account, saving account, or even credit card. I collected rewards and put it towards my credit card payment in the month of XXXX. Apparently and nobody tells you but you are not allowed to put it towards your credit card as a payment and I was flagged for missing a payment and received a XXXX pt deduction on my credit score. This is greatly impacting my eligibility to refinance my XXXX XXXX property over a {$100.00} payment that was made but they dont wan na count. I have tried to work it through the bank and they are unwilling to offer me any form of help. Do not bank with Bank of America

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 2024-10-22 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: IL

Complaint narrative:
My accounts with these companies were never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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.

These companies 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: NC

Complaint narrative:
Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NV

Complaint narrative:
Anoter debit correction company harassed me. It wasn't my bills and they stolen my personal information. I never live in Texas also I don't have any family and friends in Texas. I never signed those company. I'm tired of from Texas 's electric company and debit correction. I have a police report. I would like to request of stop harassing and never contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
Inquires I did not authorize. 
XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
Contacted Best Egg Visa Customer  services to report unauthorized charges to my CC account. Credit card company still show the charges on account as customer request it to be credited, but has not done so. Following charges still shows {$99.00}, {$190.00}, {$190.00}, and {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 filing this complaint to request your assistance in resolving a matter concerning inaccurate and potentially damaging accounts being reported on my credit report by Experian. Despite my attempts to resolve this directly with Experian, they have failed to remove the inaccurate accounts from my file. 

Below is a list of accounts that are inaccurate or unverifiable : XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed, {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$150.00} written off XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Charged Off, {$1000.00} written off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$380.00} written off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Status : Paid, Closed XXXX XXXX Date Opened XXXX XX/XX/XXXX Status : Charged Off, {$120.00} past due XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$32.00} written off SELF / XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed, {$690.00} written off XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$110.00} past XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$370.00} past due XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$600.00} past due XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : Paid in Settlement Legal Violations : Uniform Commercial Code ( UCC ) XXXX and XXXX ( b ) ( XXXX ) : These accounts have not been properly validated, nor has any original wet-ink signature contract been provided. Without these, the accounts are considered legally unverifiable and inaccurate. 

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : Experian has failed to ensure the accuracy of the information on my credit report and has not provided verifiable proof that these accounts belong to me. 

Estoppel Law : Continuing to report these accounts after acknowledging the inaccuracy is a legal violation under estoppel. I request that these accounts be removed immediately to prevent further harm.

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 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a personal loan for 5 years. With the amount of {$20000.00} and it start in XX/XX/XXXX every months was {$510.00} for 60 moths. When Covid happened, Tr banks give an extension for 90 days to not pay. The days were XXXX I come back to do the regular payments but when I start the payments again for 3 months XXXX XXXX XXXX XXXXXX/XX/XXXX the amount of {$510.00} went straight to the interest the balance never went Down. I talk with TD Bank about it, they are dont give me any response about it. I have all the statements. I call I when to the bank no anwers. The personal loan ends XX/XX/XXXX but the give supposedly the 90 day extension. Final pay off it supposed to be. {$510.00} but the ask for amount. Of. {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-22 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I filed two complaints demanding itemized contractual defense of fees undisclosed I never agreed to being deflected from the principal and interest, and escrow, as expressly agreed in the Contract, HUD statement, and Truth in Lending Agreement in breach of contract. Upon express and written dispute being ignored, and in retaliation, PNC has to date failed to provide reasonable responses and explanations of certain entries as requested in my itemized notice of errors and demand for specific performance as agreed [ correction ] disputing the debt balance and, also, have now misrepresented fraudulently certain material facts in dispute via a non-judicial foreclosure proceeding further violating my right to due process/trial and denying my right to defend myself against their false claims and fraudulent pretenses with which an order for forced sale was obtained ex parte. The debt has been satisfied, but for their misapplication of funds collected to date, in breach of their fiduciary duty. They have misrepresented the nature, beginning balance, and current balance of the principal in addition to their unjust enrichment due to their breach and refuse to honor the Contract or make corrections to the account to properly reflect the balance and provide me a letter of satisfaction. In XXXXXXXX XXXX XXXX XXXX, they removed any record of negative reporting. XX/XX/year> ( after 20 years ) they filed a Deed of Trust and fraudulent motion for lis pendens without proper service of process and right to contest/ demands for trial almost a year after my initial contestation and CFPB complaint without good faith reasonable defense of their mishandling of funds in breach and/or notice of correction. We paid for this fixed note for 21 years, and only upon dispute of payoff they refuse to reasonably discuss, did they allege default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
This fraudulent account was removed, then reinserted under a different name which is illegal, under my rights and protected by law, please remove this fraudulent account from XXXX, then sold and then sold 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 non-monetary relief
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
This fraudulent account was removed, then reinserted under a different name which is illegal, under my rights and protected by law, please remove this fraudulent account from XXXX, then sold and then sold again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-10-22 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: SC

Complaint narrative:
Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter

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