vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-25 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: GA

Complaint narrative:
The accounts I am disputing are problematic and need to be reinvestigated. It is your legal duty to address any disputes submitted by consumers. The furnisher has not provided proof of the accounts accuracy. Since the collector did not conduct the required investigation, this account should no longer appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WI

Complaint narrative:
US Bank paper statements sent to the customer through the US mail display the full credit card number on the top of the statement. If you log into your account using the US Bank web site login you only see the last XXXX digits displayed. I would like all credit card company paper statements to only display the last XXXX digits for security purposes. My XXXX statement only displays the last XXXX digits. 

It is not legal for a merchant to print the full credit card number on a receipt for a customer. It should not be legal for credit card companies to print the full credit card number on paper statements. Paper statements are not secure in the US Postal System from theft and this puts consumers at risk for identity theft.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX FUNDING Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

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 - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681C-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report. That is the result of Identity theft and fraud within four business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loansXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer XXXX  credit report. Maintained by TransUnion which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2024 I received a notification that I could not withdraw funds from my Capital One checking account. On XX/XX/2024, I called and spoke to someone in the fraud department. I fully verified all of my information, I was placed on several XXXX minute holds and was questioned about my personal email address which Ive had for better than a decade. After some time the rep returned and advised me that my account was closed due to someone potentially being able to access my account fraudulently. I expressed my disdain and asked to speak with a supervisor. The supervisor advised me that it was an internal decision to end the banking relationship. I asked to go into a branch to receive funds rather than getting a check in the mail. After arriving at a branch I was advised that after speaking to someone in the fraud department, my funds could not be released until the completion of an investigation. The branch rep also stated that there were notes on my account saying that I was advised of this over the phone. That was incorrect information. I am still not able to receive my money from Capital One and in need of assistance with mediating this process

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
AFTER SUBMIT A COMPLAINT WITH COLLECTION AGENCY, BELOW WILL BE THEIR ANSWER XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a debt collection agency. The complainant has previously filed a complaint under Reference XXXX. The complainant alleges that the product or service is a payday loan in this current complaint. After a thorough review of our records, we can confirm that the complainant has no accounts with our office related to a payday loan. Should the complainant require further assistance or clarification, they are welcome to contact our Chief Compliance Officer, XXXX XXXX, at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, by XXXX  XXXX and Account # XXXX, Account # XXXX by XXXX XXXX XXXX XXXX have violated my rights.

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A credit may noy treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Date : XX/XX/2024 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Validation for Acct # XXXX To Whom It XXXX Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within XXXX  days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
XXXX paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

If your offices fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

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

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
**Statement of Potential Consumer Law Violations** After reviewing the auto loan contract provided by Foursight Capital I believe there are several provisions that may violate state and federal consumer protection laws, as outlined below : 1. **Excessive Finance Charges** : The finance charge in the contract appears to be disproportionately high compared to the value of the vehicle. Under the Truth in Lending Act ( TILA ), lenders are required to clearly disclose all costs associated with financing. If these charges are not properly justified or disclosed, this could constitute a violation of TILA.

2. **Unclear Arbitration Clause** : The arbitration provision in the contract may limit my ability to pursue legal recourse through the courts, which raises concerns about unconscionability. Arbitration clauses must be fair and transparent, and this provision seems to favor the lender disproportionately, limiting my rights as a consumer.

3. **Potential Late Fee Violations** : If late fees in this contract exceed the legal limit of 5 % of the overdue payment allowed under Georgia law , it may constitute a violation of state usury or consumer protection laws. The contract should clearly disclose any penalties and ensure they are reasonable and lawful.

4. **Prepayment Penalties** : The inclusion of a penalty for paying off the loan early, if present, would be in violation of Georgia law , which generally prohibits such penalties on consumer loans.

5. **Overvaluation of the Vehicle** : The loan amount appears to be significantly higher than the actual market value of the vehicle. This could be a case of misrepresentation or predatory lending practices, especially if negative equity from a previous loan was rolled into the current contract without proper disclosure.

6. **Unclear and Confusing Terms** : Several sections of the contract contain language that is vague and difficult to understand, particularly in regard to the finance charge and arbitration terms. Contracts must use clear and understandable language to ensure the consumer is fully aware of their obligations and rights.

Based on the above issues, I believe this contract may not comply with applicable consumer protection laws and warrants further investigation. I am prepared to pursue all available remedies to address these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was XXXX about the XXXX Bank of America provided to me and could not find the documentations that were signed. I kept asking for them from the new bank who is select portfolio and they would not provide them. I finally got you to get them to provide them to me and after reading the documents i will never own my home and the make home affordable act was suppose to remove some of the fees and maybe some of the amount owed not add. They did not inspect the property or handle anything well along with XXXX XXXX XXXX XXXX XXXX XXXX. I was told to vacate the home by them they were foreclosing however they never did and the home remained vacant for over a year which then the banks representatives who i hear are the worst offenders to this went broke into the home and ripped apart my boiler the pool was never winterized so it now has to be dug up at approximately {$10000.00} to repair locks radiators ceiling fans were stolen even the oil was drained from my oil tank a full tank of oil all of this had to replaced by me and i was not the one who told me i had to leave XXXX said i had to and instead of Bank of america helping me out with all this they gave me {$60000.00} extra in fees that select portfolio is stating is from inspections. If those inspections were completed my house would not have been extensively damaged the way it was. 

I want Bank of america to take responsibiltiy for this horrible abuse of power that they exhibited by taking advantage of a single mom and her XXXX children who had no where to go and keeping their home was their best option. I will be attaching the documents that Select Portfolio has finally sent only because i filed a complaint with you and I want someone to explain why I am being punished with ridiculous amounts of fees for being poor. 

Thank you, 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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraudulent crypto companies are charging my account, and my bank Chase is allowing the charges to go through from the beginning of the year despite calls to blacklist merchant from account. I have never owned a crypto account and have made them aware of this

Company response to consumer: Closed with explanation