vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: VA

Complaint narrative:
I had to file a XXXX XXXX Bankruptcy in XXXX  because of the COVID emergency and lockdown. It appears that is now a crime or sin. I included all my debts including XXXX XXXX XXXX. All of these were due to involuntary unemployment. But XXXX XXXX is reporting this debt as " not paid as agreed. '' I was always taught that debts closed in Bankruptcy were closed and could no longer be held against the debtor. When did this change? My understanding is XXXX XXXX  in in contempt of court in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2024, I went to the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to open a joint account with my wife. We were looking to open our first joint account and were looking for offers to take advantage of when doing so. 

When we found an offer at Bank of America, a bank we both already have accounts with, we decided to open our joint account with them as well for the sake of simplicity. We set an appointment with a banker there and she quickly and easily created our joint account using information from our previous ones, and she assured us we would be eligible to receive {$200.00} through the offer if we receive atleast {$2000.00} in direct deposits over the next two months. 

On XX/XX/2024, I received {$2800.00} in direct deposit from my workplace to the new joint checking account. 

When I called the support number today, XX/XX/2024, to ask about the promotional offer status, they said I was not eligible since I already had an account with the Bank of America and there was nothing they could do. I then went to the branch where I opened the account and got to speak with the same banker, and she admitted that the system she used to enroll me in the offer doesn't catch if someone is ineligible and their branch encountered this situation 3-4 times already. I asked if they have any way of resolving the situation, and she said no, but she can bring her manager to apologize.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of an account that has been placed on my credit report. On XX/XX/XXXX, I was notified of a new account listed on my credit report that I do not recognize. The account was associated with Professional Debt Mediation , Inc a debt collector and a claimed amount of {$7100.00} that is unfamiliar to me. 

Upon investigation, I immediately disputed the account and sent a validation letter to the collection agency. On or around XX/XX/XXXX, I received a response indicating that they are a third-party collection company acting on behalf of their client, XXXX XXXX. They also provided an outdated and fraudulent ledger claiming a total amount of {$7100.00} for rent and repairs. 

I would like to bring to your attention that the company, XXXX XXXX, and I had already resolved this matter through a court judgment entered on XX/XX/XXXX. The judgment determined that I owed {$3600.00}, which I paid in full on XX/XX/XXXX. I heard nothing back and thought everything was ok, until I received the credit notification 9 months later. Therefore, the amount listed on my credit report is not only incorrect but also constitutes fraudulent activity and extortion. 

This false account is damaging my credit and reputation, and I request that it be removed immediately from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-29 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: FL

Complaint narrative:
On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to Experian, including reasons to support my claim. Experian has yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to investigate and correct these inaccuracies. Over the course of six months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have previously disputed several addresses on my credit report, with Experian. Initially, there were five plus addresses, two of them out of state. It appears that the ones from out of state were removed. However, two others still remain. I was told that these can not be removed due to accounts being linked to these addresses, that are on my credit file.

This is not the case, as I have no open accounts connected to either of the. I have also been at my current address for almost five years. 

I would like to have these old addressees removed, once and for all. It has caused a few deterrence in being extended 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 2024-07-29 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: DE

Complaint narrative:
XXXX and Transunion continue to violate my rights. They refuse to investigate my claims or provide me with their method of verification. They only send stall letters. This is destroying my life.

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 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I used to go to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Last year, I canceled my membership and moved to a different neighborhood. A couple of months later, I started receiving emails and calls from a debt collector demanding {$220.00}. They somehow have my credit card and personal information and keep contacting and bothering me. After researching, I found that many people are facing similar issues with this debt collector, Aldous and Associates. 

Additionally, I discovered that the gym has closed and no longer exists, leaving no place to file a complaint. I've attached the cancellation email from the gym and a sample of the emails as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: IL

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: WA

Complaint narrative:
Someone called me and identified themselves as representing a collection agency named FINANCIAL RECOVERY COLLECTION SERVICE The number they called me on is XXXX. 

She said she was collecting a debt that I owe to a company called XXXX XXXX XXXX XXXX She said I owe {$590.00} for lab tests. 

She wouldn't tell me the phone number of the lab company. She wouldn't tell me who ordered the tests. She told me I would be taken to court if I didn't pay immediately. 
She said that the reason she couldn't give me the information I was asking for was HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was charged for a XXXX XXXX XXXX that I cancelled before the said date in which I would be charged for it would be. My bank, Wells Fargo, made a claim for me and on XX/XX/year>, I received a letter in the mail stating that it was declined. I called a representative from Wells Fargo and they told me that my claim was denied and gave me very little information as to why this really was when I in fact cancelled my membership before the date that was just provided to me over the phone from the Wells Fargo Claims Specialist. According to them, they said that a XXXX XXXX XXXX confirmed with them that the date to be charged for whatever fees I was asked to pay was on XX/XX/year>. I cancelled my membership before that and have provided a document from XXXX XXXX that confirms this. I specifically told the associate I cancelled my membership with on site that I didn't want to be charged for any fees beyond my cancellation, and he verbally told me that I had nothing to worry about. 

Why am I still being forced to pay such a price? It's even greater than the monthly fee that I had already been paying. I cancelled my membership before the day for several reasons and didn't visit the facility further. I'm still being forced to pay forward an amount that I can not afford for a service I never received!

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 2024-07-29 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 reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: MI

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MI

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

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 2024-07-29 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: MO

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-07-29 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: MO

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-07-29 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: WI

Complaint narrative:
My account with XXXX 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 those account 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. 

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


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX my boyfriend and I purchased me a XXXX XXXX XXXX from XXXX because my truck transmission went out and i needed a way back and forward to work and appts. We were told we had to pay {$19000.00} XXXX XXXX years later my loan says I owe {$17000.00} we have made XXXX payments totaling {$26000.00} only {$1900.00} went to principle and {$23000.00} went to interest for the first XXXX XXXX years only {$48.00} went to principle. They repoed my car after being 1 day late and we had to pay {$1600.00} to get it back. It is hurting my credit, and we are trying to buy a home on my credit it shows 20 missed payments and 20 on time payments and 11 no data they didn't include XXXX XXXX XXXX XXXX XXXX XXXX. The on time payments do not reflect the amount owed. Since I started checking into my loan and asking questions and also reporting them to the Attorney General they have been taking out more principle this year. They were sued and settled with a class action lawsuit about the repoing people cars for no reason last year They are not a good company to go through and their interest rates are too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
Affirm needs to send me proof that there is truly a payment that was late, and a detailed account history for this account, or else i intend to litigate which will cost them XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
someone made charges on my account at XXXX i have been disputing these charges for months. these go back to XXXX now XXXX is threating to send the account to a collection agency. i do not owe any money to them, they owe me over {$3000.00}. if this happens my credit will be down! there are over XXXX charges more than i can put on here. i am XXXXXXXX XXXX & shouldn't have to deal with this. i have gotten no help from anyone!! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies 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 non-monetary relief
Consumer complaint received 2024-07-29 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: DE

Complaint narrative:
Experian continues to violate federal law. They ignore all of my request and send me stall letters. This has ruined me and my families life.

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