vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX, XXXX, TX XXXX SUBJECT : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. 
The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage is intentionally miscalculating payments to escrow in order to defraud clients into larger mortgage payments and escrow balances. All that extra money from their countless clients is sitting in their accounts earning Wells Fargo interest. I have never been late or missed a payment, but every year on my Escrow Review Statement they reflect the current month as a {$0.00} payment. This year it is the current month XXXX that they are showing Ill pay {$0.00}, but they are somehow able to estimate that Ill make my XXXX payment. This shorting of the current month makes it look like my escrow balance will dip below the minimum, so they send a statement saying they have to increase my monthly mortgage payment. Its criminal of them to assume Im going to miss that payment and to not factor it into the calculation. For several years Ive tried to call in to get help correcting it, but I get stone walled and told that the statement is correct. Its simple math to see they are only factoring in 11 payments for the year and its clearly listed as {$0.00} for XXXX. If Wells Fargo skims this extra amount off every mortgage client it adds up to a lot of money. If they correctly factored in all my monthly payments, then they should be reducing my monthly payment!

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 2024-11-19 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:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. I am a victim of identity theft due to a data breach, and the accounts and inquiries listed below were not authorized by me. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent information removed. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$80000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$52000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-19 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: IL

Complaint narrative:
I am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I reviewed my credit report and noted the following unresolved issue related to an account from XXXXXXXX XXXX XXXX  : Comments in the Report : " Account Previously in Dispute Now Resolved by Data Furnisher '' " Account Closed by XXXX XXXX '' Credit Card These comments fail to address the inaccuracies I previously disputed. Equifaxs reliance on the data furnishers response, without providing supporting documentation or conducting a thorough reinvestigation, is unacceptable.

The following discrepancies remain unresolved in the account : Date Opened : Inconsistent dates. XXXX reports XXXXXX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. XXXX and XXXX report {$2600.00}, while Equifax reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. XXXX and XXXX report {$2500.00}, while Equifax reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXXXXXX while XXXX and Equifax report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. XXXX and XXXX report XX/XX/XXXXXXXX while Equifax shows XX/XX/XXXX. 
Equifax directed me to contact XXXX XXXX XXXX  at : XXXX XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX. 
This is an evasion of Equifaxs responsibility under the FCRA, as the burden of proof lies with the credit reporting agency and the data furnisher, not the consumer.

To further document this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under FTC Report Number 180446438.

Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and creating undue stress. Equifaxs failure to comply with its obligations under the FCRA undermines my ability to access financial products and manage my finances effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 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: GOLDMAN SACHS BANK USA
State: ND

Complaint narrative:
Credit card Marcus by Goldman Sachs froze my account with no explanation other than they thought some charges could be fraud. We reviewed the charges and none were fraudulent. Still will not release the card for use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: AK

Complaint narrative:
15 U.S. Code $ 1681C-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am a Bank of America customer for past 11 years ( since 2013 ). At some point in this XXXX bank of America converted my account to Advantage account as I have always maintained a healthy balance. 

XXXXXXXX XXXX XXXXXXXX  account is having a overdraft protection - I have never used it and never need that. 

Today I noticed that bank has changed me Maintenance fee of {$25.00} and upon checking with bank they are saying that I need to maintain a minimum balance of {$5000.00} as my balance dropped hence they are charging this fee. 

My appeal : I never opted for this advantage account. I never used any of the feature this advantage account has to offer. The bank has tricked/ cheated me with this account feature and now asking me pay a maintenance fee of {$25.00} for something which I never opted and never used in last 11 years with this bank. 
Request you to get my {$25.00} and investigate this bank as many other customers like me might be getting cheated this way.

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 2024-11-19 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:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I checked my credit report and I noticed a vehicle loan was on there that does not belong to me and I have no knowledge of. I was a victim of identity theft and I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint with the CAPITAL ONE AUTO FINANCE regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
This account in in violation of 15 U.S. Code 1681 5 2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. Delete this account from my credit report due to FCRA violations. I have requested the information from experian that they use to verify these accounts. XXXX ignored my request and sent nothing. I have disputed these accounts 3 times and requested information since XX/XX/scrub>XXXX XXXXXXXX just ignore my request for information and notate my account verified as accurate. And never provided any information this used to verify.

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 2024-11-19 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: VA

Complaint narrative:
This account in in violation of 15 U.S. Code 1681 5 2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. Delete this account from my credit report due to FCRA violations. I have requested the information from experian that they use to verify these accounts. XXXX ignored my request and sent nothing. I have disputed these accounts 3 times and requested information since XX/XX/scrub>XXXX XXXXXXXX just ignore my request for information and notate my account verified as accurate. And never provided any information this used to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
This account in in violation of 15 U.S. Code 1681 5 2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. Delete this account from my credit report due to FCRA violations. I have requested the information from experian that they use to verify these accounts. Experian ignored my request and sent nothing. I have disputed these accounts 3 times and requested information since XX/XX/year>. Experian just ignore my request for information and notate my account verified as accurate. And never provided any information this used to verify.

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 2024-11-19 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: LA

Complaint narrative:
I am writing to request the immediate blocking and deletion of an unauthorized credit inquiry from my credit file. As a victim of a data breach, I did not authorize the following inquiry : XXXX  ( Date : XX/XX/year>XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: LA

Complaint narrative:
I am writing to request the immediate blocking and deletion of an unauthorized credit inquiry from my credit file. As a victim of a data breach, I did not authorize the following inquiry : XXXX  ( Date : XX/XX/year>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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There was a XXXX  XXXX bankruptcy reported to all three credit bureaus, and I want you to investigate and advise me on where you obtained this 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 2024-11-19 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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