vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
There is incorrect and inaccurate information on my credit report. My XXXX and Equifax credit report is reporting a account on my report from XXXX XXXX and XXXX XXXX  which is indeed not my account. It's does not report on XXXX at all and would like this account removed. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with XXXX plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( * ) promptly delete that item of information from the file of the consumer, or modify 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. and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-23 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I received a credit alert stating that my XXXX mortgage payment was past due XXXX days. I reached out to Equifax and XXXX explaining that there is no way the payment could be XXXX days past due for XXXX, because the month of XXXX was just starting it was XX/XX/XXXX. 
I filed my dispute online with Equifax. They sent me a copy of their investigation report showing that the mortgage payment was indeed paid on time for the month of XXXX but also stated in the same report that after investigating they found results to be accurate. I am not sure how an XXXX payment paid in XXXX reporting XXXX days past due is accurate. The investigation report shows me making both XXXX and XXXX payments on XX/XX/year> in the amount of {$2300.00}. My payment history shows that I pay my mortgage at the end of every month. I tried to submit proof document from my payment portal to Equifax and was not allowed to do so. I received a message stating I had already disputed. I tried to upload documents to XXXX and received the same error message. I contacted both XXXX and Equifax with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
Good day, I am deeply concerned about the erroneous information on my credit report. These inaccuracies are jeopardizing my financial stability and hindering my ability to move forward, as my credit applications are being rejected due to these errors. This situation is causing me immense stress and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I have been a loyal consumer of the Bank of America credit line associated with Spirit Airlines. Throughout these six-plus years, I have consistently made timely payments. However, XXXX in XXXX of XXXX, I experienced a Family and Medical Leave Act ( XXXX ) leave of absence due to mental health issues, which resulted in a late payment for that month. This delay was primarily due to the need to cover medical bills. I returned to work after XXXX XXXX in XXXX and I had to ensure I got myself back to work timely. 

As soon as I realized the payment was overdue, I promptly paid {$100.00} on XX/XX/XXXX, although the payment was originally due on XX/XX/XXXX. I was unaware of the past-due mark on my credit report until I recently reviewed it. Upon discovering this, I immediately contacted the creditor to request a waiver of the late fees and the negative reporting, given my history of timely payments since XX/XX/XXXX and my commitment to maintaining on-time payments from XX/XX/XXXX onward. 

Many credit card issuers are willing to forgive a late fee and remove negative reporting for customers who have a strong history of timely payments. I hope you will consider my request favorably.

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 2024-12-23 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent in several letters in the past XXXX month to remove incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent in several letters in the past XXXX month to remove incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did not have the chance to provide feedback on the prior case against BMO bank. As of today XX/XX/year>, there appears a genuine effort from BMO XXXX XXXX to resolve this matter without unnecessary litigation. Thus, BMO told me to post my feedback online and they will reopen the case. Here is my version : After reviewing BMOs response filed with CFPB which it did not answer the complaint I had against them. On XXXX I called BMO XXXX XXXX XXXX and spoke XXXX XXXX XXXX, a member of BMO Team Resolution. For about an hour on the phone we went through the core issue of BMOs failure to honor the {$600.00} cash bonus after me met all requirements, XXXX realized that BMO had mistakenly categorized the core issue of this matter. BMO thought I had opened and closed XXXX BMO accounts within 12 months and thereby did not pay the {$600.00} promotion bonus. I told XXXX XXXX that the first account opened was short lived. XXXX XXXX ( BMO banker ) opened and closed the account to prevent suspected fraudulent activities ( i.e., my incoming direct deposit did not go through, BMOs shipment of my bank checks was missing ). Thus, the bank must close the first account and open another one to prevent fraud. XXXX XXXX assured me that I will be eligible to receive a promotion cash bonus when the bank takes the action to close my account and replace it with a new one. She closed the account, but XXXX XXXX XXXX was the second BMO banker who opened my premier relationship checking ending with XXXX. XXXX XXXX XXXX also assured me through emails correspondences that after 120 days meeting all requirements, XXXX will deposit a {$600.00} cash bonus in my checking account. However, this did not occur, and XXXX continued to deceive me with the {$600.00} cash bonus that I already earned. 

On today XX/XX/year> telephonic discussion XXXX XXXX told me that he wished to have BMO resolve the {$600.00} cash bonus issue internally. Thus, he created a BMO case number ID : XXXX. He further said within XXXX business days BMO will contact me and or file their final resolution with CFPB to close this matter. 

I deeply appreciate XXXX XXXX effort to resolve the issue without further litigation and I now file this feedback with CFPB.

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 2024-12-23 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting acts. This creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions. Under 15U.S. Code 1666Ba creditor may not treat a payment under a credit card under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
Subject : Request for Immediate Removal of Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized inquiries listed on my credit report formally. These inquiries are damaging my credit profile and negatively impacting my ability to purchase a new home. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any inquiries that were not authorized by me.

According to the FCRA, specifically : 15 U.S.C. 1681b ( c ) : A credit report inquiry must be permissible under the law and authorized by the consumer.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the information in a consumer report is found to be inaccurate or unverifiable, it must be promptly deleted. 
The following inquiries on my credit report were not authorized by me and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate these inquiries, nor did I provide explicit consent for these entities to access my credit profile. As such, they are unauthorized and should not appear on my credit report. 

Could you please immediately investigate and remove these inquiries from my credit report? Please provide a written confirmation of the results of your investigation within 30 days, as required by law. 

For your convenience, I have enclosed a copy of my identification and proof of address to facilitate the verification process. 

Thank you for your prompt attention to this matter. Should you require any additional information, please contact me directly at the phone number or email address listed above.

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 2024-12-23 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: FL

Complaint narrative:
Subject : Request for Immediate Removal of Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized inquiries listed on my credit report formally. These inquiries are damaging my credit profile and negatively impacting my ability to purchase a new home. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any inquiries that were not authorized by me.

According to the FCRA, specifically : 15 U.S.C. 1681b ( c ) : A credit report inquiry must be permissible under the law and authorized by the consumer. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the information in a consumer report is found to be inaccurate or unverifiable, it must be promptly deleted. 
The following inquiries on my credit report were not authorized by me and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate these inquiries, nor did I provide explicit consent for these entities to access my credit profile. As such, they are unauthorized and should not appear on my credit report. 

Could you please immediately investigate and remove these inquiries from my credit report? Please provide a written confirmation of the results of your investigation within 30 days, as required by law. 

For your convenience, I have enclosed a copy of my identification and proof of address to facilitate the verification process. 

Thank you for your prompt attention to this matter. Should you require any additional information, please contact me directly at the phone number or email address listed above.

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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
On XX/XX/year> I received an incoming call at XXXX that showed as XXXX XXXX XXXX XXXX my caller ID. The phone number shown was XXXX. 

Caller stated that the call was regarding XXXX # XXXX which was opened because of XXXX purchases made through my Zelle account to a XXXX XXXX in CA. XXXX charge was for {$990.00} and the other charge was for {$1200.00}. 

Caller said these charges were done using my IP address and asked if I wanted to press charges. I said yes. 

The caller then stated their name was XXXX XXXX, badge number XXXX and they could be reached at XXXX ext XXXX. XXXX then transferred me to an account XXXX to help me retrieve the money. 

I had just recently activated Zelle to be able to deposit money in my son 's XXXX XXXX account. Because of that, how the call came through as XXXX XXXX XXXX, and how official it all sounded I truly believed I was speaking to XXXX XXXX XXXX 

The account XXXX game me void cancellation codes for the charges. The {$990.00} charge code was XXXX and the {$1200.00} charge code was XXXX. The account specialist told me these charges were being done by someone in my city. They listed names of streets around my home address and gave me an address from down my street. The account specialist told me that to reverse the charges I was to use Zelle and put certain codes in the dollar amount and send them to a manager. Names and numbers for managers they gave me that did not work because the account specialist said the managers weren't available to receive the codes included - XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX. The XXXX 's name and number that did work to send the codes to was XXXX XXXX, XXXX. This was where I ended up sending the money that I was told were just codes and losing {$3500.00} dollars. After being on the phone with the account specialist for over XXXX hours I realized this was a scam and told them I was calling XXXX XXXX. They hung up on me. 
I called XXXX XXXX and submitted a claim with the fraud department. 

They called me again on XX/XX/year> at XXXX from XXXX. I recognized the number being similar to the XX/XX/year> phone call. I answered it and aske for my money back. They hung up on me. 

They called again on XX/XX/year> at XXXX from XXXX. They said they were from XXXX XXXX and there were fraudulent charges on my Zelle account. I asked for the person 's name. They said it was XXXX XXXX. I told them this sounded like the same scam I had been through and was calling XXXX XXXX. They hung up. 

When XXXX XXXX determined that no fraud had taken place and I had no recourse to get my money back, I requested a copy of the investigation file. They did mail this to me. 

I filed a complaint with Zelle online on XX/XX/year> I filed a fraud complaint with the FTC on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The rental company claims we owe them {$9000.00} in move out fees. Items include a full home repainting and reflooring. They claim this despite the fact that we were given a move out report detailing that only touch ups would be needed for painting, and carpet was only slightly damaged in one room. There is no basis here to charge for a full home repainting and reflooring. After keeping the {$2200.00} deposit, this leaves {$6800.00} that they want from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was a cardholder with CareCredit through Synchrony Bank. I thought the interest rate was way too high at nearly 33 % and I took out a personal loan to pay off the balance on the card XX/XX/year>. The check was received XX/XX/year> and not applied to my balance until XX/XX/year>. 
After the balance was paid in full I was told to call back to request a check for the now positive balance due back to me from CareCredit. 
After the balance had been paid, interest was charged to the account on XX/XX/year> and took XXXX of the positive balance in the account. I called again to confirm their interest charge policy and was told this was a rightful charge but the representative never explained the interest charge or elaborated on the policy that made this charge rightful and I believe it was wrong. They refused to refund my money and were not able to explain the charge 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