vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: Experian Information Solutions Inc.
State: IL

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 ( XXXX ) 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 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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I initiated a claim with Bank of America for unauthorized charges to my checking acct. The representative split the claim up into XXXX separate claims, I requested a provisional credit and was told after 10 days if the claim was not resolved they would issue XXXX. On XX/XX/year> I faxed over a copy of my operative report showing I was in the XXXX  from XX/XX/year> thru XX/XX/year>, the police report I filed and a copy of the XXXX receipt showing I had to get a duplicate drivers license. On XX/XX/year> I received an internal msg in the app informing me that one of the claims had been denied. I called a spoke to a representative named XXXX who told me that the claim was eligible for credit but that it wouldn't be provided to me. I thought this was very discriminatory in nature and asked to speak to a XXXX, I then spoke to XXXX, who informed me that the information I had provided probably hadn't been received and the time the decision was made and said she would submit a request for the claim to be re-opened for re-consideration. On XX/XX/year> I received a provisional credit for one claim but not for the other. I sent a fax requesting the claim that had been denied be re-evaluated for re-consideration. I couldn't understand why the information I had sent was enough to provide a credit on one claim but not the others. On XX/XX/year> I received a visit from a XXXX XXXXXXXX informing me a person had been arrested and had my ID and my debit cards and my phone in his possession. He informed me that this person had multiple convictions for identity theft and fraud and at the time of his arrest had over XXXX ID 's and several bank cards. He showed me a picture of the person along with pictures of my cards. I informed him I had never seen the individual and confirmed that the ID and cards were mine. He told me if I wanted them back I would have to wait till the case was concluded and the evidence could be retrieved from the evidence room. He also informed that if they needed me to testify that I would be issued a supena via mail or email. On XX/XX/year> I called Bank of America claims, who still had the claim under review, and informed them of what the XXXX had told me. They said it was under review but would notate the account with the new 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
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Repeated phone calls during work hours, on weekends and in the evenings, even after requesting they cease. 

Requested written documentation that had my signature showing I owed them money. This was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
American Credit acceptance is Illegal Reporting late payments on my consumer report Without my consent. 15 U.S.C 1681A= Communication of other information among person related by common ownership or affiliated by corporate control.

( A ) Subject to section- 1681S-3 of this title any report containing information solely as to transaction or experiences between the consumer and the person making the report.

The reporting of such illegal information has caused severe damage to my character, my reputation, my general mode of living. I ask you to remove and stop reporting These late payments on my consumer report without my permission.

Credit report and consumer report are different. Congress laws. Consumer report is XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AZ

Complaint narrative:
I am exercising my right to have these accounts, which are inaccurately reported on my credit file, disputed and investigated. The Fair Credit Report Act stipulates that I should be awarded {$1000.00} for each false report. I recognize that FCRA 605B requires reporting any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Sigue Corp.
State: NY

Complaint narrative:
ON XX/XX/year> AND XX/XX/year> I BOUGHT MONEYORDEN BOTH FOR THE AMOUNT OF {$170.00} ( XXXX ) TOTAL IN CASH THE MONEY ORDEN NUMBER ARE XXXX AND XXXX WERE RETURNED BECAUSE THE ACCOUNT IN BLOCK I HAVE THE LEGALO COPY OF EACH MONEY ORDEN. SIGUE CAUSED ME LATE FEES AND INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all XXXX major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have XXXX more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over XXXX years. Lived in the same home XXXX years and retired for XXXX years a XXXX XXXX XXXX XXXX for many years and except for these fraudulent accounts I don't owe anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: WI

Complaint narrative:
Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all 3 major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have two more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over 45 years. Lived in the same home 40 years and retired for 12 years a Deacon in my Church for many years and except for these fraudulent accounts I don't owe anyone.

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 2024-06-17 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: Radius Global Solutions LLC
State: WI

Complaint narrative:
Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all 3 major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have two more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over 45 years. Lived in the same home 40 years and retired for 12 years a Deacon in my Church for many years and except for these fraudulent accounts I don't owe anyone.

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 2024-06-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Forward Funding Group, Inc.
State: CA

Complaint narrative:
Forward Funding is a loan agency whose online address is listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. On both XXXX and the XXXX XXXX XXXX  they've fabricated dozens of false 5 star reviews. Their application process includes obtaining one 's SSN. The alleged account manager I spoke to on the phone is impersonating a loan processor named XXXX XXXX. Their website XXXX is hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AZ

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
I would like to dispute the following inquiries i never authorized.

XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened WF XXXX about XXXX months ago with 0 % int until XX/XX/XXXX. My avg balance of {$6000.00} was setup to auto pay IN FULL every month. This month 's min pay was {$68.00}. My XXXX bank account was temp halted for suspicious activity XX/XX/XXXX so the {$6700.00} PAYMENT IN FULL rejected. I logged in WF acct and paid {$3700.00} from BV and it was successful on XX/XX/XXXX well before due date of min payment due {$68.00}. I then logged in WF and paid the {$3000.00} remaining balance. It never posted so I called WF and had the rep request do another {$3000.00} payment. XXXX bank saw XXXX transactions as suspicious on XXXX and rejected. Since I paid {$3700.00} on XX/XX/XXXX well before due date and much more than minimum of {$68.00} all should be good. In the meantime a purchase of about {$190.00} on XXXX was declined. I logged into my WF account and was STUNNED a paid up to date NEVER LATE CC was canceled with no notice. WF customer service said closed for XXXX rejections. I paid off all new charges in full expecting they'd reconsider and reopen acct. Instead they kept my {$130.00} cashback rewards since acct is closed. Told me just reapply. I'll never do business with Wells Fargo again.

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 2024-06-17 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: AZ

Complaint narrative:
I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's 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 2024-06-17 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2024-06-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX XXXXXXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The open date is different from TransUnion . -It 's a violation because all three are not consistent -The credit limit is different from XXXXIt 's a violation because all three are not consistent -The last reported is different from XXXXIt 's a violation because all three are not consistent -The 'date last active ' is different from Transunion and XXXXIt 's a violation because all three are not consistent The 'date of last " payment is different from XXXX-It 's a violation because all three are not consistent This account was charged off on the following the date ( XX/XX/year> ) Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
Please delete 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 2024-06-17 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I used BOA card for a no interest balance transfer. I set up the auto pay for a monthly amount. Before the last payment was submitted I shut off auto pay on XX/XX/XXXX. I paid the last payment to close the balance out and thought I was done. Today i fond a pending charge from them and call to dispute the charge.. They confirmed that i stopped the autopay on XX/XX/XXXX but couldn't do anything to stop taking the money they had no business taking. They stated it was stopped but there was another place on the web site that needed to be completed. I stated it wasn't there when I used the app to discontinued the autopay.

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