vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
My accounts 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 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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My sister recieved letters from XXXX XXXX XXXXXXXX XXXX XXXX Bank of America and XXXX money card addresses to me. Letters were addressed to my maiden name, I have never lived at my sisters current house. Letters stated they couldnt open account except for XXXXXXXX XXXX  card. They sent a debt card to me. I did not make any of these requests.

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 2025-01-04 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: WA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened in my name.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Hello XXXX XXXX kept charging my Wells Fargo account. I contacted the bank and informed them that I did not authorize the last transaction and to stop all payments from XXXX XXXX. Wells Fargo disconnected my card and still allowed the merchant to charge me. Also they never sent me a new card even tho I had money in my account. 
At this time the account balance is in the minus as a result of the XXXX XXXX transaction. The bank has closed my account with has caused me other issues regarding payments to other financial institutions. 

I have been with Wells Fargo for over 10 years

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 2025-01-03 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I was sent a letter from CFPB letting me know Lexington Law Firm allowed my personal information had got out. I have a lot of hard inquiries I'm not aware of. It's accounts that has been on my account for years and have not been moved as Lexington Law Firm agreed to. I'm very devastated about this because I have know clue who has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I sent Firstsource Advantage a dispute letter ( Reference # XXXX ), which they received on XX/XX/year>, via certified mail ( tracking number XXXX ). In the letter, I asked for clarification on characters like '+ ', '= ', and " $ '. I requested a legend to explain these characters and asked them to specify what dictionary or source theyre using to define them. I also asked for proof of how they got my personal information, whether they bought or were assigned the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MI

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted 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 non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
Subject : Request for Validation of Debt and Illegal Reporting Practices To : Consumer Financial Protection Bureau ( CFPB ) Complaint Filed By : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Details of Complaint : I am filing this complaint against Velocity Investments LLC for their failure to comply with federal laws governing debt validation and credit reporting. 

Background : The account in question originated with XXXX XXXX ( Account XXXX : # XXXX ). XXXX XXXX has been reporting a charged-off debt on my credit reports even after selling the account to Velocity Investments . 
XXXX never provided me with any debt validation documentation before transferring the account to Velocity Investments. I had sent a debt validation request to XXXX, which was not acknowledged or responded to. 
Velocity Investments has also not contacted me to validate this debt nor provided any notice of their legal right to collect in my state of Illinois. 

Legal Concerns : 1. Failure to validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

2. Incorrect credit reporting by both XXXX XXXX and Velocity Investments. The account continues to be reported by XXXX, despite its transfer to Velocity Investments.

3. Lack of a 1099-C form issued for the charge-off, which is required if the debt is considered canceled or forgiven. 

Supporting Documents : Credit report screenshots showing XXXX XXXX continued reporting of the account as a charge-off. 
Arbitration agreement from XXXX XXXX indicating my right to arbitration for disputes. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to formally dispute the reversal of the {$460.00} credit issued by Bank of America related to a fraudulent overcharge by XXXX on XX/XX/XXXX. I have a payment arrangement with XXXX to pay a small monthly amount based on my budget, and I have consistently adhered to this for over a year, never exceeding {$100.00} per transaction. 

On this date mentioned, XXXX 's system overcharged me {$500.00} instead of my scheduled payment of {$37.00}. I immediately contacted XXXX, who confirmed this was an app glitch and advised me to dispute the charge through my bank. On XX/XX/XXXX, I filed a dispute with Bank of America.I provided clear proof of the overcharge and my correspondence with XXXX, and the credit of {$460.00} was appropriately issued. 

However, on XX/XX/XXXX, this credit was reversed without valid explanation. This has caused my account to go into the negative ( - {$200.00} ), leaving me unable to afford basic necessities for my newborn, such as diapers and formula and now owing money to other companies due to BOA ignorance. 

I urge you to review my XXXX payment history, which clearly shows I have never authorized transactions over {$100.00}, let alone $ XXXX. The evidence I provided substantiates that this charge was a mistake on XXXX 's end, not mine. I request immediate reinstatement of the {$460.00} credit and coverage of the overdraft caused by this reversal

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 2025-01-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX I hope this letter finds you well. I am writing to formally dispute inaccuracies on my credit report, which I believe are related to the exposure of my personal information during a recent data breach. My personal data was compromised in the breach, and as a result, certain accounts or transactions may be incorrectly affecting my credit score and standing. 

In XX/XX/XXXX, I became aware that my personal information, including sensitive data such as my Social Security number, date of birth, and financial details, was exposed as part of a significant data breach. This breach has left me vulnerable to fraudulent activity, including potential unauthorized accounts and accounts in collections. 

I have taken the necessary steps to protect my information, such as filing a report with the relevant authorities and placing fraud alerts on my accounts. However, I noticed that my credit report reflects discrepancies that I suspect are linked to the breach. 

I am requesting a thorough investigation into these discrepancies, as I believe they stem from the unauthorized use of my compromised information. Please take the necessary action to rectify these errors and update my credit report accordingly. 

Enclosed are the relevant documents, including the data breach notification, my identity protection report, and any other information to assist in your investigation. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
My accounts 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 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score.

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 2025-01-04 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: TN

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-04 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: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
Have been paying student loans off and on since XXXX Submitted employer ECF. I am at at least 120 months for PSLF. Would be finished if not for the forced SAVE forebearance. Requested a buyback. Requested move to ICR. Requested 60 day forebearnce for transition. I want to make payments. I should be done. I should already have my buy back amount. They have my pay stubs. My w2s. My most recent tax return. Radio silence. Please get me my buyback. Or move me to icr so I can pay and be done.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is forcing me to pay back 100 % of my past due accounts even though I am on XXXX and cant afford to pay monthly payments for XXXX years. They will not settle any amount unless I pay an amount that I cant afford upfront. Again, I am now XXXX. 

This is predatory and also they raised my credit amount without my consent.

Company response to consumer: Closed with explanation