vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. 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. 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!

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 2024-08-17 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-17 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-17 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: CA

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquires on them and I need them removed immediately.

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 2024-08-17 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: CA

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquires on them and I need them removed immediately.

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 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
Dear Discover Financial Services, I am writing to formally dispute and request the removal of an alleged debt of {$460.00}, reported as a collection or charge-off on my XXXX credit report. This account appears to be fraudulent as I have been residing in XXXX for the past 10 years and was not present during the period in question. I have no knowledge of this account and have never entered into any contractual agreements with Discover Card or the original creditor. 

The inaccuracies related to this account violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Evidence of Authorization : Under 15 USC 1692 ( e ) and 1692 ( f ), I require evidence of your authorization to manage and collect this debt.

Legal Basis : I need a clear legal basis for the collection of this alleged debt.

State Authorization : Proof that you are authorized to operate and collect debts in my state.

Evidence of Debt : Detailed documentation of the alleged debt, including any contracts or agreements with my signature.

Account History : A complete account history, including all collection-related charges. 
Your actions have infringed upon my rights under the FDCPA, including : 1692d : Engaging in harassment or abuse related to debt collection. 
1692e : Making false, deceptive, or misleading representations.

1692g ( b ) : Failing to properly disclose my rights.

1692f : Using unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
The following inquiries do not belong to me and should not be on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Department of Education XXXX XX/XX/XXXX XXXX XXXX - XX/XX/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 2024-08-17 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: FL

Complaint narrative:
The following inquiries do not belong to me and should not be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Department of Education XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting XXXX Account Number : XXXX Update to Open/Never late 8. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 




12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.. 


13. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX  Balance Owed : {$0.00}

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Destiny credit card. The advertising stated that I would receive {$1000.00} line of credit on card thru XXXX XXXX. They said I can only get {$500.00} credit. I said you can keep your credit card with the {$120.00} annual fee. They sent me a bill, statement, asset voucher or remittance coupon whatever you want to call it. I will ask how can you send me a statement, coupon, asset volcher or remittance coupon with no physical credit card. If necessary I will place the ceo on a federal court asking for a jury trial. I will ask the judge for a jury trial with no XXXX XXXX XXXXXXXX laws dictionary uncompendent XXXX. I will request a jury with XXXX XXXX XXXX. I will ask the ceo questions under oath without a lawyer or attorney present.

1- why does your company spell my name in all capital letters?

2- why does your company as me for my social security number? It is because you want to get into my trust as a authorized agent.

3- you sent me a bill, asset volcher, remittance coupon or what ever u want to call it. Your remittance coupon stated please pay the new balance of a positive {$120.00}. If I owe someone {$120.00} the number needs to be- {$120.00} for the books to balance, then you want me to pay u another {$120.00} in federal reserve notes what you people call money. Am I lost. {$120.00} plus another {$120.00} positive equals to {$250.00} positive. I am confused. Your books do not balance. I will request to see the books because they do not balance plus IRS audit as well.

4-.What does article one section ten clause one say? Explain in full details.

5-What does this symbol mean $ $ $??

6- is the United States of America under bankruptcy? If so what year did. It happen?

7- why does your remittance coupon have routing numbers on it? What is it linked to?

8- what is the book called XXXX laws dictionary about? 

9- does your company think of me as a person or slave?

10- what is privacy act of XXXX? If you violate this act can you be charged with a misdemeanor? 

11- what does capitas diminutio maxima mean in full details? 

12- what is the truth and lending act about?

13- what is the credit river decision all about? Explain in full details.

13- what is identity theft, security fraud explained in full details.

14- what is the cestique act trust of 1666? Explain it in full details.

15- what is your definition of money?

16-what is XXXX XXXX about ?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
RECENTLY, I REVIEWED MY CREDIT REPORT AND IDENTIFIED SERVAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. FROM MY UNDERSTANDING THAT YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT TO ENSURE ITS ACCURACY. HERE IS THE ACCOUNT THAT IAM ASKING YOU TO VERIFY AND VALIDATE. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
I am requesting that they make correction of error. I believe this is a fair resolution given the circumstances. I have attached copies of relevant documents including a word doc to support my 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 non-monetary relief
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
I am requesting that they make correction of error. I believe this is a fair resolution given the circumstances. I have attached copies of relevant documents including a word doc to support my 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 explanation
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
I was extremely disappointed to find unauthorized inquiries on my credit report this evening. I routinely check my credit report, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but the inquiries remained. Im frustrated and request that the documents Ive submitted be thoroughly reviewed so I can have peace of mind moving forward.

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 2024-08-17 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: 1803 Capital, LLC
State: GA

Complaint narrative:
PURSUANT FCRA 605B ( 15 U.S.C. 1681c-2 ) TO FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) AND THROUGH 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance, I would like to see that all negative items on report by 1803 CAPITAL will be blocked due to fraud, identity theft, and items are on the consumer report that legally should not appear. Seeing that an unlawful attempt of a sort of theft and or fraud was attempted on my vehicle without proper advance notice of twenty-one days prior, a vehicle of equal or greater value will need to be returned to XXXX XXXX promptly . Handle within four business days or I will pursue civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent check, fraudulent XXXX  transfers were made out of my Wells Fargo bank account. I have filed a claim and closed the account. I have asked for follow up on the multiple fraudulent transactions by contacting the fraud department. Was told I would receive a call back from an XXXX and I have not. It has been XXXX business days. Was told that they will only cover charges made in the last XXXX  days on my call today but still have had no follow up from investigation and no accounting of what charges have been disputed and what charges have been credited. Need clarification on how these charges were made without my authorization and what findings the investigation has made.

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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I had a conversation with somebody in the fraud department of FNBO on XX/XX/XXXX. The person required me to confirm my identity by providing her with my driver 's license number and address in the state of Illinois. I haven't lived in Illinois since XXXX, and didn't get a driver 's license till XXXX, in the state of Oregon. She refused to accept my feedback and correct their information, even though my credit card account with the FNBO was open in XXXX on the basis of current an correct information, which can also be easily verifiable via any of the 3 credit history services ( XXXX, XXXX, XXXX ). The fact that I was given a {$20000.00} credit line shows that FNBO was able to successfully veru my application information in XXXX. Yet, in XXXX, it insists on using information that is either obsolete as of XXXX, or never existed.

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 2024-08-17 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of identity theft. When I reached out to the issuing bank to help me recover my money they ignored my request and cause me harm to 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