vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: Professional Finance Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has two said accounts reflecting on my credit report in the amounts of {$570.00} & {$520.00} with the original creditor listed as XXXX XXXX XXXX. The said accounts recently appeared on my credit report as an account that was opened in XXXX of XXXX. I have disputed both accounts twice now requesting all identifying information such as a proof of purchase agreement and all originating documents showing that this is a legitimate account that belongs to me but nothing has been provided. Both disputes have come back verified and accurate yet no information was provided for me to verify/confirm as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America credit card I made my payment due on XXXX. I had trouble using the website to make the payment all day long. Finally at XXXX -- past my cutoff time, I was able to get in to make the {$35.00} payment and I immediately received a message that my payment was submitted and I received a confirmation #, which I took a screenshot of. When I went back to the website on XXXX to make a payment on another BOA acct, I saw that the payment made on XXXX was canceled and I was charged a late fee. I called Customer Service and they said they couldn't find any payment. I told them I had a confirmation # and the woman put me on hold. When she came back, she told the payment was rejected by my bank and that the conf # I received was from my bank -- which makes no sense at all. They refused to accept the conf # and told me it was my bank 's fault and they can not refund the late fee. I have NEVER paid my bill late ever! I called my bank who said BOA is full of it- my bank never even received an auth request of any kind- the conf # was not from them and they did not reject anything. I am very angry! What is the point of a conf # if it means nothing? Additionally, the woman I spoke to on XXXX was supposed to resubmit the payment and didn't. I had to do it today.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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 non-monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-11-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-05 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: TX

Complaint narrative:
Im seeing unauthorized inquiries on my credit report out of nowhere, and I dont understand why. Checking as usual revealed these discrepancies, and a browser refresh didnt resolve it. I am really frustrated and insist on a thorough document review so I can stop feeling anxious about this.

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 2024-11-05 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: TX

Complaint narrative:
In XX/XX/year>, I submitted a complaint to CFPB ( Claim # XXXX ) regarding unauthorized accounts, addresses, and inquiries on my Equifax credit report. Equifax responded on XX/XX/year>, claiming the fraudulent items were removed. However, while some items were temporarily deleted, they were reinserted almost immediately, contradicting Equifax 's claims. 

Despite providing a complete and accurate FTC identity theft report, Equifax falsely asserted that my report was incomplete. This misinformation and mishandling of my case led to continued damage to my credit report, including difficulties obtaining credit and financial stress. 

Fraudulent accounts and inquiries from multiple entities, including XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and others, remain on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

I demand the immediate and permanent removal of these fraudulent items, a thorough investigation, and financial compensation for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I sent a scheduled XXXX payment for {$1200.00} to a recipient that was taken out of my account on XX/XX/XXXX. The recipient reached out on XX/XX/XXXX they have not received any pending transactions. On XX/XX/XXXX I reached out to the bank and they told me to file a dispute and in XXXX to XXXX business days it should be credited to my account. It did not get credited. On the XXXX business day. I called and again I was promised a credit in XXXX to business days. This continously has happened where I was promised an escalation and credit but I have not recieved it or any information on the hold up or the cause of it. There's also overdraft fees that I have been charged totaling {$170.00} transactions that would've been covered had the credit been posted by original promised date, or the second promise date, or the third. I stil have not recieved the credit or any information to what's happening. Just continous promise that something will happen at a later given date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
Incorrect information report on my credit report and i would like it to be remove so my credit report can reflect accurately Collections XXXX  XXXX XXXX XXXX Opened XXXX {$400.00} XXXX XXXX XXXX Opened XXXX {$2600.00} I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

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 2024-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fair Capital
State: NY

Complaint narrative:
The issue is twofold. XXXX issue is regarding the urgent care provider XXXX. When visiting their office in XXXX they informed me that I did not owe any additional copayment amount after paying my initial {$40.00} copay. XXXX year later, I received a collection notice from their debt collection agency - Fair Capital XXXX. When calling to resolve the billing issue and to ensure it wasn't a scam, the representative showed that an initial bill was sent in XXXX, however since the mail was not certified, there is no way to track that in fact a letter was sent and received at my address. After confirming that it was not a scam, I paid the outstanding balance on XX/XX/XXXX through the XXXX payment system. On XX/XX/XXXX I received a " XXXX Notice '' from Fair Capital LLC stating that the debt was still outstanding and that they may report me to a credit agency. I called Fair Capital and shared my confirmation number from paying the bills in XXXX and they could see that the payment was in fact made but that XXXX never notified them. 

My complaint against XXXX is that by not keeping and communicating good records on bills and payments, they put their patient 's credit and money at risk. Because their third party debt collection agency threatens a ding on your credit score, some patients might incorrectly pay a balance for a second time when the balance has actually been cleared out. 

My complaint about Fair Capital is that if they were able to look up my payment of the debt, their system should not allow them to send subsequent notices that I have an outstanding balance. It almost seems like both XXXX and Fair Capital are trying to collect additional money that is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
This morning, I saw unfamiliar inquiries on my credit report, and Im completely at a loss as to why. My routine check showed unexpected inconsistencies, and refreshing the browser didnt make them disappear. I am beyond frustrated and need these documents carefully examined to put an end to this issue once and for 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 2024-11-05 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: AR

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-05 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: AR

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-05 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:
I noticed there are inquiries on my credit report that I don't recognize nor have I applied to, and I never authorized these companies to access my report. This situation is causing me stress and anxiety as I try to understand how and why it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 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 2024-11-05 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:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Account : XXXX XXXX XXXX  XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Note : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX XXXX : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX XXXX : HARD Inquiry : Finance Date : XX/XX/XXXX Please promptly remove this data within 5 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Account : XXXX XXXX XXXX  XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Note : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX XXXX : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX Note : HARD Inquiry : Finance Date : XX/XX/XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely response.

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 2024-11-05 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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