vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've requested Experian to remove all blocks and fraud alerts from my credit reports via letters and fax, but haven't received a response. It's urgent that these blocks be removed promptly as I do not wish to have my credit reports blocked.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. 
XXXX, TX XXXX XXXXXXXX XXXX XXXX {$1000.00} Date Opened ; XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be 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 non-monetary relief
Consumer complaint received 2024-04-26 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: MI

Complaint narrative:
There are errors on my personal 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 non-monetary relief
Consumer complaint received 2024-04-26 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: OK

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these inquiries are not authorized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank Of America Mortgage payments that I have had for XXXX years have never been late. I tried to pay my mortgage off since XXXX. The representatives that I had spoke with were providing conflicting amounts and I requested a supervisor to contact me on my cell number. Several attempts were made but never received a confirmation call back. Debt collection called me on XX/XX/24. At that time they provided me with the total and I was told to go to my bank and draw a XXXXXXXX XXXX  Check and send attention to the XXXX Department. On that day the check was sent to the location they provided. Weeks later, Dept Collections started contacting me saying the check was never received and I was past due. I spoke with a BOA representative and provided all documentation to prove my payment was submitted. She informed me that she had experienced a few individuals that had the same issue with the payments posting from them. She assured me that this would not affect my credit history and she would again note the account as was done on XX/XX/24 that payment was sent as requested. THIS IS MY FINAL PAYMENT... The payment was finally posted on XX/XX/24. At this time BOA informed me that I was required to pay an additional charge of +/- {$2000.00} because they paid the homeowners insurance. Recently I applied for funding and the credit report showed a late payment for BOA. THIS IS UNFAIR!!!! Again I have contacted BOA only to get the RUN AROUND like I have been experiencing for the past 3 months. BOA does not take care of their customers and especially the ones who have never been late on payments for 20 Years. Please Help 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Related to complaint XXXX. 

CitiBank offered to review my account to reverse the credit decrease. I just got a letter explaining that they will not reverse the credit decrease. The letter is attached. In it, they state that I had XXXX late payments. The XXXX payments in question were XX/XX/year>, which was paid 6 days after the due date. This was still in the grace period as I get paid bi-weekly and needed to wait for my paycheck. This was reported to the credit bureaus as paid on time. The second payment in question is this month, XX/XX/year> ; this was paid today ( again, had to wait until Friday for my paycheck ) and was 5 days after the due date, still within the grace period. In addition, CitiBank is improperly recording payment history. This is shown in the second attachment. The payment history shown on my account only shows 2 months of payments : XX/XX/year> and XX/XX/year>. With both factors, it is clear that CitiBank is manipulating their determination in reversing the credit decrease. This also shows that CitiBank is manipulating the reporting to credit bureaus as well as their own payment history, shown on my account. As stated in XXXX previous complaints about CitiBank, they are circumventing credit reporting and crediting regulations.

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 2024-04-26 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate steps to remove the unauthorized inquiries from my credit report, as they were not initiated by me and are causing me significant distress. I did not authorize or initiate these accounts, and it is unjust for me to be held responsible. Please address this matter promptly.

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 2024-04-26 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: LA

Complaint narrative:
I notice some hard inquiries 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 non-monetary relief
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
I'm writing to you since I recently received a copy of my report. I then discovered accounts that were plainly incorrect yet were still shown on my credit report. There is a significant disparity in the accounts reported. The incorrect statuses and late payments across three agencies. Additionally, balances that have not been updated and accounts that I am unfamiliar with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: MA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-26 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:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-04-26 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:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a fraud charge on my account on the XXXX of XXXX for {$410.00} and I filed a claim and the bank denied my claim when I was actually robbed for {$410.00} on my card I dont know what to do because I dont have that kind of money to lose the banks are completely useless

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 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I received a copy of my credit report and found a few accounts from Capital One with different account numbers and different dollar amount that I owe. I have never had an account with Capital One. I spoke to the customer relation department without any luck, I was told they would get back to me. No one from Capital One has called me back. I have reached out to them 5 times. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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 2024-04-26 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: Rozlin Financial Group, Inc.
State: HI

Complaint narrative:
Rozlin Financial Group Inc. attempted to collect on behalf of my former school, XXXX XXXX XXXX XXXX, which insisted on full tuition payment for what they claimed to be continuing education. It later emerged that the program was a pyramid scheme, enticing individuals to become online coaches promising earnings of $ XXXX {$50000.00} monthly, an utterly unrealistic proposition. The recruitment aspect was concealed initially, a detail I would have found unacceptable had I been aware. 

I provided my credit history, which clearly indicates that had I recognized the loan as legitimate, I would have promptly settled it. I do not condone rewarding dishonest actions. Paying the scammer would only embolden them to victimize more individuals. Moreover, there's no guarantee they would cease collection efforts even if payment is made. 

On what grounds do you label me as delinquent when I owe nothing? It is the scammer who owes me money. I have pursued legal action to expose their deceitfulness. 

The ordeal has significantly impacted my credit score, dropping from XXXX to XXXX. I urge you to rectify this damage by promptly addressing the issue with 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2024 I had a payment due to come out of my checking account for XXXX. My account was short XXXX, but I have over draft protection on my checking account. I was told that any thing under fifty- dollars would not be charged an overdraft fee. When XXXX XXXX attempted to pull the XXXX out of my checking account Chase Bank did not allow it to go through. I recieved notification from XXXX XXXX that the transaction had been resended, this caused my credit score that I am working on building to drop points!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I lodged a fraud claim with Bank of America prepaid cardholder services. Over the preceding year, I diligently furnished them with multiple documents substantiating my fraud allegations, including a police report, an identity theft report, detailed incident statements, and personal identification verifying my identity. Despite this, Bank of America summarily dismissed all three of my claims, failing to fulfill their legal obligation under Regulation XXXX to conduct a thorough investigation. I have also, opened a fraud appeal with the CA XXXXXXXX XXXX. I currently do not have a hearing date but I will attach the documentation. In contravention of the Electronic Funds Transfer Act and Regulation XXXX, Bank of America neglected to provide me with documentation delineating their investigative efforts, instead repeatedly furnishing me solely with a transaction history of the card, which is immaterial as I neither authorized nor engaged in those transactions. This pattern of behavior suggests a failure on the part of Bank of America prepaid cardholder services to fulfill their legal mandate to investigate fraud claims diligently. As a victim of identity theft, I have been subject to further distress due to the inadequacies of Bank of America prepaid cardholder services over the past XXXX months. Despite multiple complaints lodged with the Consumer Financial Protection Bureau ( CFPB ), no remedial action has been taken. I implore the CFPB to hold Bank of America prepaid cardholder services accountable for their egregious mishandling of my case. The legitimacy of my claims, identified by the following reference numbers : XXXX, XXXX, XXXX, warrants due consideration and approval.

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 2024-04-26 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: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
Back in XXXX my Information was stolen when I was hit off my motorcycle, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. I have no connections or knowledge about any account listed. please help me on correcting this. 

This account was open in XXXX I have no connections with this account! I asked you guys and the medical center to provide proof and you guys provide nothing at all. 

Next step im going to hire an attorney and sue to damages. 


You guys keep saying alleged you see the ftc you see the police report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
Agreed to a settlement offer from XXXX XXXX XXXX who collects on behalf of XXXX. I made a payment on XX/XX/year> and also XX/XX/year>. I have a settlement letter from both XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX have both zeroed my balance for XXXX back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
In my understanding, FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly examine the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-26 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: MI

Complaint narrative:
There are errors on my personal 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