vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: PA

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-25 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: RI

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
My account with was 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.

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 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified 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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had a credit card and a checking account with Bank of America. The credit card had an option to link it to checking, so as to act as a fee free way to cover overdraft. In the past two years, I went to self employed, so this was great to keep the account positive, and make sure my ACH 's were always funded.

About two weeks ago, Bank of America decided that they were instantly going to be decreasing my credit limit to {$300.00} more than the balance was on my credit line, effectively cancelling the overdraft protection. The credit account balance was {$5400.00} with a credit line of over $ XXXX ( I think it was XXXX ). They decreased it to {$5700.00}, when they knew I had ACH payments coming up and could see them consistently drafting every month. 

This infuriated me, so I moved money form another account to pay this one off, and move solely to local banking. I submitted a payment from my other local bank as the checking account was negative, and was assured it would close once the deposit hit. That was XX/XX/year>. 

Today it is XX/XX/year> and the account is still open. Despite me not having a mobile banking login anymore, I am still receiving emails that my account is overdrawn. ACH debits are still being taken from the account ( forgot to move student loans over ) and the account is anything BUT closed. 

I spent XXXX minutes on the phone with bank of america customer service today, being transferred 7 times, and being told conflicting information. I just kept needing to speak to another department and they would help me close the account and take my {$53.00} payment so the thing would close. 

The last rep informed me that the only way for me to close the account was to go to a branch to pay the {$53.00}, after XXXX reps on the phone told me I could ACH over the phone to settle it. 

After reading horror stories on XXXX, I'm not the only XXXX. 

It is infuriating that there is no closing a bank account the way there is closing a credit card. I told them this account was to be closed. I paid the money ( I'm now having to get the XXXX transaction that DID go through, reversed ). I have been told conflicting things locally, multiple occasions on the phone, and this will now be my third payment after " closing the account ''. 

This is my last ever account with a large bank. The CFPB needs to look into this, because not everyone has the time to spend on the phone while some banker on a yacht uses the never ending fees on my account to pay his wait staff and fuel his motor yacht. 

DO SOMETHING.

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 2024-07-25 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: WI

Complaint narrative:
I was checking my credit report and notice that credit cards were being taken out in my name and I had no knowledge about the credit being given. XXXX XXXX XXXX  has Issued to credit cards in my name back on XX/XX/XXXX account last four numbers XXXX with a credit limit of XXXX dollars and a balance of XXXX dollars, the account was closed on XX/XX/XXXX and the last payment was made XXXX. I nerve applied for a card from this company and would like it removed from my credit report. 
This credit card account last XXXX numbers are XXXX issued by the same company listed about on XX/XX/XXXX with a credit limit of XXXX dollars, with a balance of XXXX dollars. The last payment date was XX/XX/XXXX, and a closed date of XX/XX/XXXX. I would like the credit issue removed from my credit report. I was never issued credit by this company in XXXX. 
This next credit card was issued by XXXX with the last four number of the card being XXXX. Issued on XX/XX/XXXX, with a credit limit of XXXX dollars, and a balance of XXXX dollars, last account activity on XX/XX/XXXX and a close date of XX/XX/XXXX. I never applied for this card, and would like this matter removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: WI

Complaint narrative:
I was checking my credit report and notice that credit cards were being taken out in my name and I had no knowledge about the credit being given. XXXX XXXXXXXX XXXX has Issued to credit cards in my name back on XX/XX/XXXX account last four numbers XXXX with a credit limit of XXXX dollars and a balance of XXXX dollars, the account was closed on XX/XX/XXXX and the last payment was made XXXX. I nerve applied for a card from this company and would like it removed from my credit report. 
This credit card account last XXXX numbers are XXXX issued by the same company listed about on XX/XX/XXXX with a credit limit of XXXX dollars, with a balance of XXXX dollars. The last payment date was XX/XX/XXXX, and a closed date of XX/XX/XXXX. I would like the credit issue removed from my credit report. I was never issued credit by this company in XXXX. 
This next credit card was issued by XXXX with the last four number of the card being XXXX. Issued on XX/XX/XXXX, with a credit limit of XXXX dollars, and a balance of XXXX dollars, last account activity on XX/XX/XXXX and a close date of XX/XX/XXXX. I never applied for this card, and would like this matter removed from my credit 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been subjected to penalties to my credit score due to creative billing by XXXX XXXX XXXXXXXX ( XXXX ). 
On XXXX, my husband XXXX XXXX, passed away. Unknown to me, he carried credit cards with unpaid balances on them. I was never co-owner on any of his credit cards. However, XXXX has resorted to transfer billing of these charges from his XXXX credit account to my name in a new account number XXXX since being informed of his death. 
They have not sent any proofs of my sharing a credit card account as they claim, but sent a savings bank account that we shared, which has nothing to do with his credit card accounts. Of course we lived in the same household, and his bills came to the same address, and he made payments to his credit cards from our shared bank account. But they know that I was not a co-owner to this x XXXX account as they willingly closed XXXX other accounts with similar issue, and refuse to close this one. 
They agreed upon my request to send account initiation signature proof of their claim to my involvement in his credit card account, yet what they sent is verification of our joint bank account. Lately, my XXXX score dropped to XXXX from XXXX in XX/XX/year>. 
I am not obligated to pay for charges on an account I never owned or co-owned with anyone. 
I have spoken to multiple XXXX telephone representatives, and in person bank staff on this matter, to no avail. 
I queried this new credit account from the first bill received, yet I continue to be targeted for payment of new monthly bills in my name. This has damaged my credit. 
Again, we shared a bank account, never a credit card account. I have never signed up for or agreed to shared credit card accounts with him. I am not responsible for unpaid charges on a credit card account that I never owned. 
I would appreciate some oversight into this behavior by XXXX, which is unprofessional and unethical ; in closing his unpaid credit account and opening a new one in my name with the same balance. I should never become the subject of this activity at all, especially now having just lost my husband. I appreciate any assistance and feedback from you on this matter. 


Respectfully, 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 2024-07-25 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: MD

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
In accordance with The Fair Credit Act this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states : I have a right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 ( g ) Debt Validation, I request : 1 ) to send me a detailed list of the history of payments made by me on this account. 2 ) I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 3 ) Im asking have there been any insurance claim filed on this debt. 4 ) I want proof they have the chain of title to collect on this debt

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 2024-07-25 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: IL

Complaint narrative:
In accordance with The Fair Credit Act this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states : I have a right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 ( g ) Debt Validation, I request : 1 ) to send me a detailed list of the history of payments made by me on this account. 2 ) I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 3 ) Im asking have there been any insurance claim filed on this debt. 4 ) I want proof they have the chain of title to collect on this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: CORELOGIC INC
State: TX

Complaint narrative:
There is an Inquiry from a company called XXXX and I have not applied for anything with this company. I believe my information was stolen and utilized for the purpose of credit usage. I don't even know what the company XXXX represents. I have no knowledge of them whatsoever.

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 2024-07-25 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I just looked at my credit report and was shocked to see the numerous amounts of errors listed. 

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. 
I am writing to have you remove them immediately. 
experian, XXXX, and XXXX company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency

may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
They constantly keep contacting me. I had a friend and me sign up for a gym membership. She signed as my adult. I stopped going because it wasnt fit for me. I then cancelled my membership online and deleted the app. Then out of no where I owe XXXX $ and I tried to contact them and they were so rude. I just wanted verification and whatnot. They then proceeded to sound irritated with me and like I was an inconvenience or incompetent of understanding. I kept asking for someone else because he was so rude. And he just kept repeating the same thing over and over again that I owe money and theirs other ways to send it in. I asked for proof or verification and they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: RI

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-26 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: PA

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been subjected to penalties to my credit score due to creative billing by Bank of America ( BOA ). 
On XXXX, my husband XXXX XXXX, passed away. Unknown to me, he carried credit cards with unpaid balances on them. I was never co-owner on any of his credit cards. However, BOA has resorted to transfer billing of these charges from his XXXX credit account to my name in a new account number XXXX since being informed of his death. 
They have not sent any proofs of my sharing a credit card account as they claim, but sent a savings bank account that we shared, which has nothing to do with his credit card accounts. Of course we lived in the same household, and his bills came to the same address, and he made payments to his credit cards from our shared bank account. But they know that I was not a co-owner to this x XXXX account as they willingly closed XXXX other accounts with similar issue, and refuse to close this one. 
They agreed upon my request to send account initiation signature proof of their claim to my involvement in his credit card account, yet what they sent is verification of our joint bank account. Lately, my XXXX score dropped to XXXX from XXXX in XX/XX/year>. 
I am not obligated to pay for charges on an account I never owned or co-owned with anyone. 
I have spoken to multiple BOA telephone representatives, and in person bank staff on this matter, to no avail. 
I queried this new credit account from the first bill received, yet I continue to be targeted for payment of new monthly bills in my name. This has damaged my credit. 
Again, we shared a bank account, never a credit card account. I have never signed up for or agreed to shared credit card accounts with him. I am not responsible for unpaid charges on a credit card account that I never owned. 
I would appreciate some oversight into this behavior by BOA, which is unprofessional and unethical ; in closing his unpaid credit account and opening a new one in my name with the same balance. I should never become the subject of this activity at all, especially now having just lost my husband. I appreciate any assistance and feedback from you on this matter. 


Respectfully, 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