vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2024 I made a {$6000.00} cash deposit in my business account ending with XXXX at the ATM located at XXXX XXXX XXXX, XXXX, MI XXXX bank of America. The ATM jammed and took my cash which was all in XXXX dollar bills. I contacted the number on the ATM machine and provided the ATM number to the bank and made a claim for my missing cash as it was never deposited into my business account. They briefly looked over this claim and resolved it by depositing {$1300.00} into My business account. I called them and was advised by a claims supervisor that I need to Write a letter regarding refusing this amount as a final resolution, which I did that and faxed them the letter. They have not resolved this claim and have not deposited my money into my business account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
1st ever contact with them they sent letter saying I owed them money from a debt that was closed, wants me to pay almost double what the original credit amount was. an Amount that I had been Paying on for 6 years. it doesnt add up. letter dated by them XX/XX/XXXX this letter stated I had until XX/XX/XXXX to dispute 1st dispute sent by me XXXX  by registered mail. I sent A validation letter as the amount of the debt is not correct. They did not send what I asked for to prove debt, instead asked me to send them prof. Told them in that letter not to contact until I have confirmed proof, they sent a letter on XX/XX/XXXX XXXX stating that they had concluded that their info was correct. They started trying to contact me on XX/XX/XXXX by calling my business phone each timeXXXX, XXXX. They sent a notice of balance due letter on XX/XX/XXXX. I sent a 2nd letter asking for validation of debt, on XX/XX/XXXX. received another call to my business phone on XX/XX/XXXX. They did not respond to my second dispute letter. Did not hear from them again until they emailed me on XX/XX/XXXX. and have been calling my business phone every day since. This acct is still in dispute. and their claims have not been proven. 
As per fdcpa Section 1692e ( 8 ) they are in violation. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Scam XX/XX/year> I had to call XXXX due to text for XXXX {$3100.00} card cancelled they attached my new card to XXXX XXXX XX/XX/year> a call from Wells Fargo phn # stating fraud dept stated someone was using XXXX XXXX  XXXX a XXXX XXXX XXXX XXXX XXXX. Said not me ( XXXX  ) they are trying again. XXXX asked am I primary on apple. I said idk XXXX said no worry we fix it. XXXX asked for passwd for XXXX XXXX I gave it. They are telling me what to do put myself/prim. Now I primary on app/pay. They say stopped a XXXX trying XXXX come thru. r u getting text I say no. they state alerts must b turned off. i asked how to fix.they asked for password. Gave & verified last activity in act. Stated alerts off and will be fixed. XXXX calls from wfb to sharescreen to fix alert XXXX c info not mine not me nameAmount in checking not right.XXXX  XXXX to fake person. To c alert No alert came Did this XXXX Hung up on called # back speak to fraud was told Wells Fargo was impersonated and I was scammed. 

Police report # XXXX spoke with police and this is being submitted to fbi. 

How many people have to be scammed by an impersonation of Wells Fargo for anything to happen. Doing internet search theres so many complaints against them. 

I turn to you to keep them in line. I did not authorize anything from my account. I keep getting denied. I called Wells Fargo with in minutes as soon as I realized I was being scammed. I need your help to get my money back. This isnt right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
I checked my credit report this morning and I was shocked because there are inaccurate accounts on mine. I have no idea why this happened to me because I have no knowledge regarding any of these accounts so please check the documents I've sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I applied for a credit card with Comenity Bank / Caesar 's Rewards once. They requested my credit information 7 times in a short period of time, sometimes multiple times in one day. This was not authorized by me and I would like them to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
I requested an investigation for accuracy of my consumer reports and Equifax responded to me on XX/XX/XXXX that this informationfoXXXX XXXXXXXX XXXX  XXXX account # XXXX was reporting accuralty and they verfiied it with the creditor. However, I have found the reporting of the late payments XX/XX/XXXX and XX/XX/XXXX are reporting inaccurately. I have attached proof. 

As per the FCRA, Equifax failure to reinvestigate is an intentional and negligent FCRA violation. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, I am due {$1000.00} per violation :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target credit card continues to report late payments without Consent. The account was fraudulently established in XXXX  during the beginning of the global pandemic of XXXX. This company didnt offer any type of relief during this time or validation that they confirmed this account was made lawfully

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: CO

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). According to this statute, my consumer report should not include information solely related to transactions or experiences between myself ( the consumer ) and your company ( the person making the report ).

My concern pertains to the payment history and the late payments listed on my consumer report. These entries negatively impact my credit score and are considered part of the transactions and experiences between your company and me. As such, they should not be included in my consumer report.

Furthermore, I request that you provide me with a written explanation of the reasonable procedures you have adopted to ensure compliance with 15 USC 1666 ( b ). This statute requires that each periodic statement be mailed to the consumer no later than 21 days before the pay
ment due date. Additionally, please include all the information mandated by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information I am requesting. If you do not provide this information within the allotted time, it will be assumed that you can not verify the late payments on the dates specified above and lack reasonable procedures to ensure the accuracy of my account. Consequently, I will request that you remove the late payments from my account and consumer report with the following consumer reporting agencies : Equifax, XXXX, and XXXX ( or all that apply ), and update the account to positive ( paid as agreed ). The account in question is : XXXX XXXX XXXX XXXX Please forward any changes to my account to the address below. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). According to this statute, my consumer report should not include information solely related to transactions or experiences between myself ( the consumer ) and your company ( the person making the report ).

My concern pertains to the payment history and the late payments listed on my consumer report. These entries negatively impact my credit score and are considered part of the transactions and experiences between your company and me. As such, they should not be included in my consumer report.

Furthermore, I request that you provide me with a written explanation of the reasonable procedures you have adopted to ensure compliance with 15 USC 1666 ( b ). This statute requires that each periodic statement be mailed to
the consumer no later than 21 days before the payment due date. Additionally, please include all the information mandated by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information I am requesting. If you do not provide this information within the allotted time, it will be assumed that you can not verify the late payments on the dates specified above and lack reasonable procedures to ensure the accuracy of my account. Consequently, I will request that you remove the late payments from my account and consumer report with the following consumer reporting agencies : XXXX, Experian, and XXXX ( or all that apply ), and update the account to positive ( paid as agreed ). The account in question is : XXXX XXXX XXXX XXXX  Please forward any changes to my account to the address below. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
I checked my credit report this morning and I was shocked because there are inaccurate accounts on mine. I have no idea why this happened to me because I have no knowledge regarding any of these accounts so please check the documents I've sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/year>, I received a notification from Cash App stating that my account had been closed due to a violation of their Terms of Service and/or Acceptable Use Policy. The notification was vague and did not specify which terms or policies were allegedly violated. Actions Taken by Me : XX/XX/year> : Contacted Cash App customer support requesting specific reasons for the account closure. through their chat service and phone call. XX/XX/year> : Received a generic response from Cash App stating that my account violated their policies but without providing any specific details. XX/XX/year> : Sent another request for specific information and evidence regarding the alleged violations. XX/XX/year> : Received another vague response reiterating the account closure without any additional details. XX/XX/year> : Contacted Cash App again and was told by a supervisor that they are not required to provide specific reasons according to their Terms of Service. Financial Impact : The arbitrary closure of my account has caused significant inconvenience and potential financial loss. the sudden closure has disrupted my ability to conduct financial transactions. Legal Violations : I believe Cash Apps actions violate several federal and state regulations, including : The Electronic Fund Transfer Act ( EFTA ), which requires clear and accurate communication about account actions. The Federal Trade Commission Act, which prohibits unfair or deceptive practices. Hawaii Revised Statutes ( HRS ) 480-2, which prohibits unfair or deceptive acts in trade or commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Email : XXXX Phone number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Personal Information ( Address ) Dear Experian, I am writing to dispute certain inaccurate information in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). My credit report contains incorrect personal information that needs to be corrected. 

The inaccurate information includes : Incorrect Address : XXXX XXXX XXXX XXXX XXXX PA, XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or incomplete information in my credit report. Additionally, entities that furnish information to the credit reporting agencies are required under Section 623 ( 15 U.S.C. 1681s-2 ) to provide accurate information and correct any inaccuracies. 

I have enclosed copies of documents that confirm my identity. Please investigate these matters and correct the inaccurate information as soon as possible. 

Enclosures : Driver 's license with the correct address Copy of a utility bill, bank statement and auto insurance Please confirm in writing that these corrections have been made and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX 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 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