vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: IL

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

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 2024-09-30 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: VA

Complaint narrative:
Hello, I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-09-30 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: VA

Complaint narrative:
I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agensy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 explanation
Consumer complaint received 2024-09-30 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 need the credit bureaus to do their job!!! None of my disputes are even being investigated and I know that i am not the only customer complaining!!! 

My disputes are attached since they do not want to work them. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.

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 2024-09-30 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:
To my complete surprise, I discovered false accounts on my credit report this morning, and I dont understand how they ended up there. I regularly monitor my report, but this time, discrepancies appeared out of nowhere. I assumed it might be a browser error, so I refreshed the page, but the accounts were still there. This has left me feeling confused and worried. I need the documents Ive submitted to be carefully reviewed to ensure this situation doesnt repeat itself.

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 2024-09-30 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:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NC

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-09-30 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:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXXXXXX - Late Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
I am writing to express my disappointment regarding these accounts reporting negatively on my credit report. I believe they were not reported with maximum accuracy and it's affecting me and my XXXX XXXX I need you to fix this problem right away because my scores are also being affected.

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 2024-09-30 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: CA

Complaint narrative:
Good day, My credit is very important to me, and I am seriously worried about the incorrect information on my credit report. These errors are causing ongoing stress and hindering my ability to get approved for new 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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-30 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: CA

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX. In XX/XX/XXXX, I cancelled my credit card no. ending XXXX  due to theft. A new card was issued, ending XXXX. 
XXXX. On XX/XX/XXXX I reported to BofA that I detected a pending fraudulent transaction of {$350.00} to Grubhub.com on the new card. It would not have been possible for me to process that transaction, since I had not yet received the card and did not know its number. BofA said they would open a claim. I did not hear back from them. 
XXXX. On XX/XX/XXXX, BofA posted the fraudulent transaction into my statement and on XX/XX/XXXXXXXX  it was drawn from my bank account ( as part of auto-payment ). I again contacted BofA ( XXXX XXXX and this call took one hour of my time. Again I was promised this would be taken care of. I also requested that the card be cancelled and the account closed. 
XXXX. On XX/XX/XXXX BofA issued two letters, one that it had applied the amount of {$350.00} to my account and another that it had closed my account. 
XXXX. On XX/XX/XXXXXXXX XXXX XXXX  BofA notified me that it had credited my bank account for only # XXXX, deducting {$25.00} " because your account would have been past due or over the credit limit and you would have accrued fees and interest charges ''. 
XXXX. On XX/XX/XXXX, I mailed BofA a letter demanding they return to me the {$25.00} they incorrectly withheld. 
XXXX. In the XX/XX/XXXX online statement and for each month thereafter, BofA sent me emails that my Statement balance is {$320.00} and NOT due for payment. I only have seen these emails after the most recent event that happened last week. 
XXXX. Last week on XX/XX/XXXX, BofA withdrew {$320.00} from my checking account. 
XXXX. Today, I called BofA to settle the matter. The first agent kept me on the line for 40 minutes and then handed me to claims. Claims kept me on the line for another 20 minutes and did not submit my claim. I was told that they did see the original dispute and that it was submitted as " duplicate transaction '' rather than " Fraudulent transaction ''. I had to end the hour long call to get back to work. I do not believe BofA will resolve my issue. I have also contacted my Bank to dispute the transaction.

In summary, Bank of America has not straightforwardly and honestly dealt with a fraudulent transaction reported to them. They initially refunded me most of the funds and then- without authorization - pulled them back a year later. I fear that in the future they may access my bank account again and post any amount they wish, to it.

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 2024-09-30 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: FL

Complaint narrative:
I have tried and tried to get these items removed from my personal credit reports due to these companies and reporting agencies being in violation of my privacy rights along with me not giving consent to have them report on my personal credit profiles. This is hurting my chances of obtaining proper credit. 

The following accounts are the ones that need to be removed as soon as possible as I am trying to apply for a home loan. 

XXXX XXXX, XXXX, {$590.00} XXXX XXXX XXXXXXXX, {$680.00} XXXX, XXXX, {$830.00} XXXX XXXX, XXXX, {$230.00} XXXX, XXXX, {$29000.00} XXXX, XXXX, {$4100.00} XXXX XXXX, XXXX, {$340.00} XXXXXXXX XXXX XXXX XXXXXXXX, {$6800.00} Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30 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: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I am writing to file a formal complaint against Harley Davidson Finance due to what I believe to be unfair lending practices. 

In XX/XX/XXXX, I purchased a Harley Davidson XXXXXXXX XXXX XXXX XXXX for a total of {$31000.00} ( including taxes ). I made a down payment of {$4000.00}, and my monthly payment has been {$510.00} for a loan term of 84 months. 

Despite consistently making my monthly payments on time, as shown in my account statements ( attached ), I still owe {$19000.00} as of XX/XX/XXXX. This is concerning because I have already paid approximately {$18000.00} since the start of the loan. The principal balance has not reduced in line with what I would expect, and it appears that a disproportionate amount of my payments is being applied to interest, which I find unreasonable, particularly with a 12 % interest rate. 

Additionally, I have been charged {$46.00} in late fees and {$35.00} in non-sufficient fund fees, which further compound the financial burden. I requested that Harley Davidson Finance reduce my interest rate given the current economic conditions, but they refused to accommodate my request. This rigid stance suggests unfair lending practices and a refusal to work with customers during difficult financial times.

These are the key points that I believe need to be addressed : XXXX. The high interest rate of 12 % is resulting in slow principal reduction despite regular and timely payments. As of now, I have paid nearly {$18000.00}, but I still owe {$19000.00}. 
XXXX. Harley Davidson Finance has refused to reduce the interest rate, even though I have made a good-faith effort to request adjustments in light of economic hardship. This refusal to negotiate appears unfair and not in the best interest of the consumer. 
XXXX. Excessive fees such as late charges and non-sufficient fund fees have further increased my financial obligations, despite efforts to stay current with payments. 

I have been a long-time supporter of the Harley Davidson brand and culture, but this experience has left me frustrated and reconsidering my future as a Harley Davidson customer . I believe these actions constitute unfair lending practices, and I ask for CFPBs assistance in reviewing my case and helping to reach a fair resolution. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent funds to a recipient and the funds were not available to the recipient. when called to find out what the issue was, Cashapp then flagged the account and I requested the funds be returned to me. Cashapp stated that once the transaction was in completed status that it could not be returned to sender. Cashapp has now closed the account and the funds have never been returned. Cashapp says that the refund was declined by the recipient but that account was closed, there was no way for recipient to decline.

Company response to consumer: Closed with explanation