vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-05 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:
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 non-monetary relief
Consumer complaint received 2024-08-02 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: GA

Complaint narrative:
I reviewed my credit report on XX/XX/year> and noticed inquiries that I don't recognize nor authorized. I called Experian on XX/XX/year> and the rep in the fraud department would not remove the unauthorized inquiries.

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 2024-08-02 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: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-02 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:
My account with 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 those account 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.

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 2024-08-02 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:
My account with 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 in those account 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.

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 explanation
Consumer complaint received 2024-08-02 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:
There are late payments on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I recently tried to open a checking account at PNC Bank ( XX/XX/XXXX and XX/XX/XXXX ) twice and at XXXX XXXX XXXX  ( XX/XX/XXXX ) once, but both banks denied my application. During my first time at PNC Bank on XX/XX/XXXX, the banker returned me a printed letter explaining that they couldn't approve my application due to negative records shown in my XXXX XXXX XXXX consumer report. As a result, I ordered a free copy of my consumer report from XXXX XXXX XXXX on XX/XX/XXXX. Basically, this negative record was about the " Closed for Cause/Purge '' status of my previous XXXX XXXX XXXXXXXX XXXXXXXX XXXX  because I didn't follow their bank policies. After sending all my supporting documents ( also attached below ) to dispute with both XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX Department and proving that what actually happened to me was a check scam, I'm pretty sure this negative record has now been removed from my consumer report. Then, I tried to open a checking account at PNC Bank for the second time on XX/XX/XXXX, but the banker there denied my application again without clarifying the specific reason. I further tried to open a checking account at XXXX XXXXXXXX XXXX  online on XX/XX/XXXX, but I was rejected again. This time, they sent me an email clearly explaining why my online application was not approved, which is because of a higher-risk XXXX XXXX XXXX score ( XXXX ) with major impact factors included. However, given that my previous negative record should have been removed, this explanation still doesn't make any sense to me because all my present checking accounts are on a very good track without violating any bank policy. I hope PNC Bank can explain in more detail why they denied my second application. I also wish XXXX XXXX XXXXXXXX could explain in more detail why my deposit score is so high, how to lower my deposit score, and when I can apply for a checking account in any of the XXXX banks that own XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC
State: MI

Complaint narrative:
On the date of XX/XX/year> BMG Money Loan and their affiliates practiced discriminatory and fraudulent business behavior knowingly with willful intent deprived me of my right to credit as a result to intentionally directly discriminate against me based on race, disability, familiar status, employment status, and economic status during the refinancing of a consumer credit transaction applied for in the amount of {$3000.00}. They also further knowingly with willful intent deprived me of my right to credit while in good faith exercising my rights under the proper federal laws and Acts of Congress by them acquiescing to the emailed written noticed of me properly exercising my rights under federal law. This consumer credit transaction was in regards to refinancing current loan ( consumer credit transactions ). BMG Money Loans needs to practice better business and ensure that their business policies are legally and lawfully in compliance with the Federal Laws of the United States and all Acts of Congress. BMG Money Loans failed to provide the proper applicable federal laws within their denial Adverse Action letter emailed on XX/XX/year>. The Constitution and 15 USC 1691a but not limited to enforces my lawful right to credit and to exercise my rights to credit. BMG Money Loans are practicing abusive business tactics against the consumers of this nation. This business has not tried to resolve this problem. As a living breathing natural person of the living people of this nation Im totally convinced that these business practices are intentional. It is a fact that a " credit score does not legally nor lawfully apply to a Consumer/Natural person defined pursuant to 15 USC 1692a ( 3 ) ,1 USC 8 . The term person in regards to a " credit score '' can be found pursuant to 15 USC 1681g ( f ) ( 2 ) ( A ) the term " person '' highlighted within that law is defined pursuant to 15 USC 1681a ( b ) which does not describe a living breathing natural person. They have also stated in their site that I wouldnt be eligible to apply for the refinance again until 08/17/2024 which is unlawful restraint of trade and commerce pursuant to 15 USC 1 and a deprivation of rights under color of law pursuant to 18 USC 241, 18 USC 242.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: MI

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit : XXXX XXXX remove inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove inquiry

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Fortiva Credit I received a bill in the mail ... out of the clear blue ... for {$51.00} and annual fee and a paper statement fee. I NEVER APPLIED FOR this card. I called the number on the statement XXXX and spoke with XXXX on XX/XX/year> indicating that I never applied for the card, not sure why I'm getting a bill and an annual fee particularly for something for which I never applied. She stated the account as sent for {$1500.00} you know a credit card to shop for things. I told her as plainly and as direct that I could - that I did not apply for nor did I authorize a credit card. She said I understand ma'am and closed the account. I said what guarantee do I have that the account is closed, because I don't want to have to call back in again ... She assured me the account was closed. On XX/XX/year>, I received a text message (???? ) Fortiva Alert : Your Fortiva Credit Card payment of {$27.00} is scheduled to be processed on XX/XX/year>. I immediately picked up the phone to call them, where I was transferred 5 times ( XXXX, XXXX, XXXX, XXXX, and XXXX agent # XXXX or XXXX... which she would not confirm ) XXXX wanted me to verify by giving my dob, the last 4 of my social, my zip code ... which was a change from what was asked from the other agents. I immediately became even more suspicious - how did they get my information???!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to XXXX the claim - XX/XX/XXXX : XXXX paid the Bank of America XXXX XXXX XXXX XXXX XXXX leasing company - XX/XX/XXXX : I called BofA to verify my account was fully paid off. The call was recorded and they confirmed it was paid off / no amount owed by me - XX/XX/XXXX : I received a letter from BofA saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that BofA had closed this account and that I owed more than {$15000.00} - XXXX XXXX, XXXX : XXXX XXXXXXXX XXXX ( the counterparty to my car lease ) as well as BofA both confirmed that the account was {$0.00} and settled and they have corrected my credit report. I verify this with the credit agencies and think the issue is settled - XX/XX/XXXX : this zombie account ONCE AGAIN appears on my credit report, damaging it by a negative XXXX points. I call BofA and they confirm that this account is closed and settled and they don't know why it's negatively impacting my 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 non-monetary relief
Consumer complaint received 2024-08-02 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: MI

Complaint narrative:
I have attached 3/3 FTC reports including ALL OF THESE UNAUTHORIZED ACCOUNTS and UNAUTHORIZED INQUIRES that need to be removed. LAW FCRA Section 605B states my permission is needed to place items on my report.

The unauthorized accounts are as followed : 1. 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 The unauthorized inquires are as followed : XXXX XXXXXXXX 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 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed a transaction in which i paid for a service and the supplier of the service then ghosted me and provided no service at all. I disputed the transaction and wells Fargo denied my dispute with no reason at all and left my account with a negative balance, i tried to reopen and they closed my account with a negative balance. I believe they are trying to send my negative balance to collections and ruin my credit score. this is not fair at all.

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 2024-08-02 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: MD

Complaint narrative:
My account with 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 60 days 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. CREDIT ONE BANK NA 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to an incorrect item on my credit report. It has been well over XXXX days, and the accounts have not been removed Equifax failed to delete the following items/accounts that are not mine. I have never done business with the banks XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX regarding credit accounts. Failing to comply with US code 1681I. These accounts are not metro to compliant. They should have been deleted for not following the industry standards. Required to maintain maximum, possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I wrote this company to let them know that the statue of limitations has ended on the debt that they are reporting.

Company response to consumer: Closed with explanation