vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by XXXX, Experian, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX 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 2023-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Due to Covid 19 and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Account Information Dear Sir/Madam, I am writing to dispute an account listed on my credit report that does not belong to me and contains inaccurate information. I request your assistance in rectifying this matter urgently. 

Account Information : Creditor Name : Avant Account Number : XXXX Date of Opening : XX/XX/22 Incorrect Address : XXXX Al XXXX XXXX XXXX, AL XXXX Incorrect Phone Number : XXXX Explanation : 1. Not My Account : I have no knowledge of nor have I ever opened an account with Avant The account in question is not associated with me, and I believe it is a case of mistaken identity or potential identity theft.

2. Incorrect Address and Phone Number : The address and phone number associated with the account are not mine. This further indicates that the account does not belong to me.

3. Request for Deletion : I urgently request the Consumer Financial Protection Bureau to remove this inaccurate account from my credit report. It is essential to rectify this discrepancy as it may adversely affect my creditworthiness and financial well-being.

4. Supporting Documents : I have enclosed the following supporting documents with this dispute : - Copy of my identification proving the incorrect address and phone number. 
- A statement affirming that I have never had any financial dealings with Avant. 

Please conduct a thorough investigation into this matter and take appropriate action to delete the erroneous account from my credit report. I understand that the investigation may take time, but I kindly request that you keep me informed of any progress or updates. 

Thank you for your prompt attention to this matter. Your assistance in resolving this dispute is greatly appreciated. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
After placing a freeze on a government issued check, BOA sent a notice saying they would pay all fees and overdrafts incurred during the freeze. They then went in my account and changed my payment date on my car payment. It was made on XX/XX/23 to be paid XX/XX/23. The freeze did not allow me to cash any checks. Causing me to miss a payment.

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hello, I applied for the US Bank Korean Air Skypass visa and was issued a credit card with an erroneous skypass #. This means that all my rewards points are going to an account that does not belong to me and that I do not have control over. 

I have submitted 2x tickets. 1 ticket was around the end of XXXX XXXX of this year and the second ticket was submitted at the end of XXXX of this year. These tickets were submitted to the department within US Bank that handles these requests. The tickets have the information for them to change the skypass # in my card to the correct one, which I have provided multiple times, which is : XXXX. 

This department can not be reached via phone and according to the supervisor I spoke to with today, not even they can call them, communication is all done through their internal ticketing system. My concern is that someone else may be enjoying my earned skypass miles and may have redeemed them and that I'm stuck with nothing. When I applied for the card, I supplied the correct number : XXXX but for whatever reason US Bank gave me the wrong number. 

To remedy this, I have tried claiming the erroneous number through Korean Air, but that is not allowed, as it does not match with my last name and birth date, which confirms that the erroneous number US Bank issued me belongs to another consumer. 

All I want is for US Bank to change my skypass # linked to my credit card to XXXX so I can use my miles that I have earned through my credit card usage. 

Any help will be greatly appreciated!

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently opened a Synchrony Amazon store credit card which provides 5 % back on purchases with Amazon. There was a low credit limit of {$6000.00}, which required me to buy items up to my limit, then pay off the card so that I could use it again. I had to do this multiple times, especially during Amazon 's prime day where there were items on significant discount. I logged on to the Synchrony account management on XX/XX/2023 to find my account closed with no explanation, as well as $ XXXX of earned rewards taken away. The letter I received stated the reason for closure was " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. This is a bogus reason as I had paid down my balance to XXXX on multiple occasions. Synchrony has taken away my rewards worth more than {$1100.00} earned under their cashback program and benefited from merchant exchange fees and purchase fees. From my statement on XX/XX/2023, which covered purchases up to XX/XX/2023, I had already earned {$770.00} in rewards ( statement attached ). Additionally, Ive attached an export of my transactions since that statement to show additional purchases and payments made over that time period which shows the assertion that I intended to not pay laughable. If I intended not to pay, I would not have paid down my statement balance on multiple occasions. I accrued additional rewards since my statement which were taken away from me by Synchrony. This company is using deceptive business practices to benefit off the 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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have an account with Truist. I barely use the account to the point I forgot I have the account. I recently deposited 2 money orders into the account to pay rent. Due to a couple overdrafts and some were due to Truist maintenance fees Truist decided to hold all of my money which was {$1300.00}. I could have taken my money elsewhere. They are holding my money for almost 2 weeks and now I will be extra late paying my rent and no one seems to care. I spoke with supervisor XXXX at Truist and she placed me on hold and disconnected the call. Im very dissatisfied. I will be closing my account and taking my money elsewhere because this is unacceptable. If I owed money they couldve just taken the money I owed instead of being ok with me being late to the place my children and I lay our heads. I barely use this account and now I will never use it.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  AccountXXXX 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. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions from the 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 non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Imperial Recovery Consultants, LLC
State: NV

Complaint narrative:
My mom got a call from imperial recovery consultants advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with XXXX XXXX XXXX. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with irc and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped XXXX XXXX XXXX from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for XXXX XXXX XXXX. I called XXXX XXXX XXXX to confirm they sold the debt to Imperial recovery consultants. XXXX XXXX XXXX advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. XXXX XXXX XXXX advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about Imperial recovery consultants they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX my XXXX XXXX XXXX XXXX was put into covid forbearance. When it came out I paid back payments of XXXX to bring it current. For the time it was in forbearance my credit report shows XXXX  on XX/XX/XXXX shows 180 days late which is stopping me from refinancing this mortgage and my first mortgage with any bank or mortgage servicer. I reached out to XXXX  XXXX XXXX for help they refused to change the rating. This is an adjustable rate home equity loan I tried to get them to change it to fixed but I was told it would be higher if I did that. I would just like to move on from this and restructure my current finances. This complaint is also for my husband XXXX XXXX ss XXXX. XX/XX/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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX my XXXX XXXX XXXX XXXX was put into covid forbearance. When it came out I paid back payments of XXXX to bring it current. For the time it was in forbearance my credit report shows XXXX  on XX/XX/XXXX shows 180 days late which is stopping me from refinancing this mortgage and my first mortgage with any bank or mortgage servicer. I reached out to Bank Of America for help they refused to change the rating. This is an adjustable rate home equity loan I tried to get them to change it to fixed but I was told it would be higher if I did that. I would just like to move on from this and restructure my current finances. This complaint is also for my husband XXXX XXXX ss XXXX. XX/XX/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 2023-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We had two issues with our application that, in addition to the lack of professionalism and dishonesty or WF, had material financial implications : -our first application with Wells Fargo was closed without explanation ( XXXX  XXXX  ) -we had a complimentary, partial discount point offer which was never recorded and was not reflected on our mortgage ; the WF employee later admitted internally that this was an error on his part.

****I will be happy to elaborate at any point as working with WF was a grueling and arduous ordeal

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking over my credit report there was some of these inquires on TransUnion, XXXX and XXXX. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dispute of Time-Barred Account on Credit Report I am dispute the presence of an account from XXXX  XXXX on my Equifax credit report. The account alleges an opening date of XX/XX/2016. I request that this account be immediately removed from my credit report due to the expiration of the seven-year reporting period. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

While no specific day in XX/XX/2016 has been provided, as of today 's date, the account has been reporting for a period of seven years and five days. This exceeds the permissible reporting period of seven years, and therefore, this account should no longer be reported on my credit file.

Under the FCRA, I have the right to dispute inaccurate information on my credit report and the right to have that information removed if it can not be verified. I assert that this account is inaccurate and does not belong to me. I have never had any financial relationship with XXXX XXXX, and I have never opened an account with them. The presence of this account on my Equifax credit report is both misleading and damaging to my creditworthiness. 

I demand that Equifax promptly investigate this matter and remove the XXXX XXXX account from my credit report within four days of receiving this notice. Failure to comply with this request would be a violation of my rights under the FCRA, and I may have no choice but to seek legal remedies to protect my rights and seek damages.

I have enclosed copies of supporting documentation, including [ list any supporting documents such as letters, statements, or identity verification documents ]. I request that you review these documents as part of your investigation.

Furthermore, I request that you provide me with written confirmation of the removal of the disputed account from my Equifax credit report. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the account. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly and in compliance with the FCRA.

Company response to consumer: Closed with explanation