vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-24 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
THIS COMPANY ( WAKEFIELD AND ASSOCIATES ), KEEPS FLAGGING MY ACCOUNT FOR A MEDICAL BILL THAT I DIDNT AND NOR I DONT HAVE ANY ACKNOWLEDGMENT OF..I SPOKE TO AN REPRESENTATIVE FROM THE CREDIT BUREAUS AND THEY TOLD ME TO FILED A POLICE REPORT TO REPORT THE FRAUD. I ALSO STATED TO THEM THAT I WAS A VICTIM OF IDENTITY FRAUD BACK IN 2011, FOR SOMETHING I DIDNT DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
In XXXX I requested a loan assumption agreement for the estate of XXXX XXXX XXXX. In XXXX of XXXX I requested and received a copy of the fully executed loan assumption via email from roundpoint mortgage. XXXX of XXXX a customer service representative inform me that there was an overage on my account and that I should receive a check by mail and my name XXXX XXXX. However the check came in the name of the estate of XXXX XXXX XXXX. I called round Point mortgage and was transferred to the loan assumptions Department to a gentleman named XXXX. However after repeatedly contacting XXXX I never received a check in my name. XXXX told me that round Point mortgage made an error and did not upload or file the loan assumption documents he stated that he could clearly see that the loan was fully executed in XXXX of XXXX. I left a message for XXXX in XXXX letting him know I needed to speak to his supervisor he called me back and said that he would speak on my behalf I never heard from XXXX again. XX/XX/XXXX I contacted round point mortgage and spoke with XXXX XXXX in the loan assumption Department an email her a copy of the fully executed loan assumption agreement she said that she would email others to research the issue. I still have not received the check of the overage in my name nor have I heard from Roundpoint Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

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 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am applying for a job and the job requires to do a background check on credit report. I had XXXX work done. And it is a violation to have medical debt on a credit report. They shared my personal non public information. Synchrony Bank and Care Credit has published my debt to my credit. The fair credit report act says that I have to give permission to put on credit report and I never authorized this permission.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I have tried contacting numerous time to remove the debt from my account. They can not verify the information, the account listed does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America informed me by email that I had submitted an application for a credit card. I had not, and contacted them. They did not issue a credit card due to my credit freeze, but they informed me that my social security number and birthday were provided to them in the application. 

On XX/XX/year>, I requested my rights under the FACT Act section 151 to obtain a copy of the fraudulent application. Unfortunately Bank of America makes this process unnecessarily onerous. Instead of emailing me a PDF of the application, they insist on mailing it to me. As well, they insist on my returning the notarized application by mail as well, instead of dropping it off at a local bank branch or submitting it electronically.

I did receive the paperwork which I promptly returned. But 30 days later -- the legal limit -- I had not received any reply. I contacted them and they said that they had not received my application, but they agreed to send me a new application so that I could try again. 

It is now almost a month after that phone call. I have not received a new application. The person I spoke to on the phone was unable to give me any status updates of any kind. All she could do is say that she sent an email to a back office requesting that they send me the application again. 

I no longer believe that Bank of America intends to comply with the law. My request is simple : send me a copy of the application for the credit card. There's no reason I can't simply pick this up from a local bank branch. There's no reason they can not simply mail it to the home address for me that they have on file. Hiding behind a back office that no one can speak to, not even their own representative at a phone number dedicated to handling FACT Act requests, provides me no confidence that I can resolve this without assistance.

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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I met all criteria for a promotional direct deposit offer that was advertised to me on my checking account ending in XXXX ( including link below ). I found that my last direct deposit may not have coded correctly as an ACH ( I am not sure ), although it was payroll processed by my bank as a same-day ACH. I called in regarding this, and the manager had a very difficult time finding the promotion and left notes on my account regarding my eligibility towards the bonus. Of course, when just finishing the last direct deposit and waiting the specified time for the bonus, it has not been added to my account. When calling in, agents can not locate the below offer. I need Citi to please apply the below promotional offer as all terms were met so I can move forward. 

https : 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 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 2024-06-24 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: GA

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 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Details of the Incident : On XX/XX/year>, at XXXX XXXX, I sent a certified letter ( Tracking Number : XXXX ) to Trans World Systems at the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. In this letter, I disputed their claim that I owe {$9800.00} on account number XXXX and requested validation of the debt. 

Despite the legal requirements, Trans World Systems has not responded to my letter within the 30-day timeframe. As a result, this failure to respond violates the FDCPA and FCRA. 

Key Points from My Letter : I requested competent evidence bearing my signature, showing that I have or ever had a contractual obligation to pay Trans World Systems. 
I informed them that any negative mark on my credit reports ( XXXX, XXXX, and XXXX ) from their company or any company they represent for a debt that I do not owe is a violation of the FCRA and FDCPA. 
I instructed them to take no action that could be detrimental to my credit reports pending the outcome of my investigation of any evidence they submit. 
I stated that failure to respond within 30 days would result in small claims legal action against their company, seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the FDCPA, and violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I went to ATM to with drow cash for my small business XXXX transportation XXXX XXXX on XX/XX/year> the mechanic give me Error and cancel the {$1000.00} and take out from my checking account, I spoke to Bank of America at the same time the created claim # XXXX and told that they will credit {$1000.00} into my account on Tuesday but that didn't happened I keep calling them they ignored the issue to resolve

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 2024-06-24 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: CA

Complaint narrative:
Upon checking my credit report I have discovered that Experian is reporting fraudulent account, the account is XXXX XXXX XXXXXXXX XXXX XXXX, with the account number XXXX, this account is fraudulent, I request immediate deletion of this account. On my Report I have witnessed fraudulent hard inquiries, these 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 I REQUEST THIS FRAUDULENT INFORMATION TO BE PROPERLY REMOVED FROM MY CREDIT REPORT AS IT IS INNACURATE AND FRAUDULENT.

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 2024-06-24 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered that numerous inquiries have been made without my authorization or knowledge I have made a complaint to the FTC. Report 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 2024-06-24 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:
Upon reviewing my credit report, I discovered that numerous inquiries have been made without my authorization or knowledge I have made a complaint to the FTC. Report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
I have multiple credit inquiries on my TransUnion and XXXX account that I did not authorize

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 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> someone was fraudulent using my information and running my credit without me knowing I didn't approve for anyone to run my credit my information did get stolen with all my identity in it so I don't know was someone running my credit trying to get items in my name I did contact the people and let them know that it wasn't me now all these inquiries are impacting me to purchase a home and brought my credit score way down someone been using my identity without my permission and once I get to the bottom of this I would like to presue charges because this is wrong and I do wan na file charges on the person as well I surly hope that you guys help me along the 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 non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This company continues to check my credit every two to three months and lowers my credit limit. This has been happening for over a year now. I have filed multiple complaints with this agency and the company Citi Cards will draft a weak response and nothing happens. I am being targeted and discriminated against. This poorly impacts my credit when they check my report and lower my available credit. As I have stated before nothing has changed on my credit report. I am never late, I have no missed payments. I filed a fraud charge over a year ago and they immediately checked my credit and started lower my limit. I am going to file a suit at this point, and I am sure I am not the only person who they are doing this to. They also have started doing it with my Home Depot credit card. I will file a separate complaint against that being lowered recently. Other companies are increasing my limits and this one is constantly decreasing them. There should be some accountability from the government for this abuse. I am writing the companies that they represent and the Vice President. In an election year, we should get some rules changes I am sure.

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 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: FL

Complaint narrative:
I received a bill fro {$52.00} for an unpaid XXXX toll. ( Allianceone, reference # XXXX ) The toll was from a traffic camera in XXXX or XXXX ( 7 years ago ). According to them, it was from a vehicle that I had cosigned for my son. 
Neither he or I have ever received any notice from anyone. The XXXX account I had should have picked up the toll at the time. It never did. 
Now after 7 years, this toll appears. 
It looks like a scam or someone opened up an old audit from 7 years ago and now want to collect this misterious charge. 
My credit is important to me. 
Receiving a collection for a misterious charge should be removed. 
I am XXXX XXXX XXXX, XXXX XXXX XXXX vet, and do not need this kind of stress. 
Please assist me in this matter. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: MA

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 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 2024-06-24 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: MA

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 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