vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: PA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
In XXXX of 2020 I was first contacted by The Bureaus Inc. regarding a debt that I was told I owed. This debt, however, had previously been identified as fraudulent, and I had taken action to have it discharged. I immediately informed The Bureaus Inc. that the debt was not valid and should not be pursued. I also gave them a police report and FTC report. 

Despite my communication, The Bureaus Inc. continued to attempt collection. As a result, I reported the matter to the XXXX XXXX XXXX  and contacted the legal representative of the original company associated with the debt. the companys lawyer confirmed that the debt was fraudulent and assured me that they would correct the error on my credit report. 

However, despite these steps, The Bureaus Inc. has continued its attempts to collect this fraudulent debt. I have repeatedly asked for this issue to be resolved, but no action has been taken to remove the debt from my credit report. 

I am requesting that The Bureaus Inc. immediately stop all collection efforts related to this fraudulent debt and remove it from my credit report, as they were notified of the discharge and the fraud claim. Failure to comply will leave me no choice but to pursue further legal action to protect my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$4700.00}. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My payment is due on the XXXX. We had 2 hurricanes XXXX and XXXX that affected our coast in XXXX XXXX which affected my income. I'm a hairstylist. Also, our internet and phones were not in working order so I could not connect with American Express until the XXXX of XXXX. I had XXXX  XXXX on XXXX XXXX and have not been able to work since then and for another XXXX weeks. I explained my hardship to a representative on XXXX XXXX and was told by her that my payments would be deferred in XXXX and XXXX. She could do nothing about the 29.99 % interest. She said to call back after the deferred 2 months. I looked on my app and I was charged {$29.00} late fee and my payment was not deferred. I called and spoke to another representative in XXXX XXXX and she said just give it some time. She told me there was nothing they could do for me. So I paid {$50.00} which is all I can afford. And now they have a higher payment due on XXXX XXXX. I have been with this company since XXXX  and have always made my payments. All my other credit cards have helped out with payment plans or have deferred my payments so I can get back on my feet. Any help is appreciated. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I called Discover Card to place a block on a merchant ( XXXX XXXX ) from charging my account pending a billing dispute for their cellular service- this was in XX/XX/year>. Discover failed by allowing an unauthorized charge of {$740.00} to process on XX/XX/scrub>XXXX XXXX terminated and closed my three year cellular service contract without resolving the billing dispute to my satisfaction. Discover Card refuses to credit my account- I have made numerous calls and submitted documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally complain against EQUIFAX regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last XXXX XXXX XXXX XXXX Social Security XXXX : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only XXXX name and XXXX address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies. 
Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, at XXXX, I attempted to make a cash deposit at the Regions Bank ATM at their XXXX XXXXXXXX XXXX XXXX XXXX XXXX However, their ATM machine malfunctioned and retained my ATM card, thus preventing me from being able to complete my deposit. I then called their customer service department and spoke with an agent that assisted me by having me make a cash deposit into my business account, then while I was on the phone with her, she made a transfer for me from my business account to my personal account. However, after dealing with their malfunctioning ATM machine, then having to call customer support and wait on hold for XXXX minutes, it was now XXXX, which was after Regions XXXX XXXX XXXX ) cut-off time. Therefore, just as I suspected, they charged me a {$36.00} OD fee and returned XXXX pending payments to XXXX in the amounts of {$45.00} and {$44.00}. As you can see at the top of XXXX of my account screenshot pages, Regions Overdraft Grace period was still in effect until XXXX ( XXXX ) time, and had their ATM machine not malfunctioned, I would have been able to make the deposit before their Grace Period ended. XXXX is now charging me XXXX {$25.00} returned payment fees as well.

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 2024-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
My account was frozen by the bank. When I called, they wouldn't give me a reason for the freeze or give me any timeline to when it would be resolved. There was no way to reach anyone who had any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on XXXX. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies 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 asked multiple times for the late payment reported in ALL 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. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX 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 Update and 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 non-monetary relief
Consumer complaint received 2024-10-22 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: NC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This complaint is regarding Firstmark Services for a loan through Nelnet for my son for college. My loan disclosure was finalized on XX/XX/. On XX/XX/ I received an email from Firstmark that my loan had entered repayment. On their website it showed {$430.00} due as a monthly payment, with the first payment due XX/XX/. This does not match my loan disclosure which states no payments XXXX ; payments of {$220.00} XXXX XXXX and payments of {$440.00} XXXX. Starting at the end of XXXX, I have called regularly, and spoken to call center reps multiple times. The first several calls I was told that something seemed off and a ticket was being put in to resolve the issue. I never received any follow-up and nothing changed on my account. A week ago I spoke to a supervisor who again confirmed something was wrong and that my payment amount should match my loan disclosure and that the issue would be resolved in 48 hours. It was not. This week I have tried again and gotten completely inaccurate information with reps insisting I have a parent plus loan ( I do not ) and that my payments should be deferred the whole time my son is in school ( they should not ). The call center reps are rude and do not have correct information about the loans. I sit on hold for huge amounts of time to no avail. I am unsure where to turn at this point. I will have to pay the {$430.00} due XX/XX/24 or will be considered delinquent on my loan. My loan disclosure is my legal document I signed and it is not being honored, even though Firstmark confirms they have a copy of it and can see the discrepancy. I have attached documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: NJ

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened an account with Truist Bank bank on XX/XX/XXXX. When opening the account, I deposited {$60.00} into the account. After switching my direct deposit and accepting my initial deposit, Truist then closed my account after unfounded suspicion of fraud. Apparently, this is common for them when people open accounts online trying to cash in on their bank bonus. 

The following week, I spoke to someone at the XXXX branch and they did not have a banker available for the week. With the nearest branch being an hour away, I ended up speaking to XXXX at the XXXX XXXX on Tuesday, XX/XX/XXXX to make sure he could help me and he told me that he could assist me anytime before Noon. I arrived at the bank at XXXX but was told that XXXX went on break and would not be back until XXXXXXXX  and was booked for the day. XXXX XXXX then attempted to help me but said that I did not have the right forms of ID. ID I had on me included a driver 's license, my XXXX  income taxes, car registration, health insurance cards, other bank cards from XXXX and XXXX as well as other forms of ID. But, she informed me that I needed a passport, XXXX card, employer ID or some other forms of pictures ID that I do not have access to in order to access MY money that Truist had stolen from me. 

The actions from Truist are extremely unprofessional and unacceptable. I drove an hour away to close my account and the banker wasn't there. I was not informed of the different types of IDs I needed and, even so, I do not have access to these types of IDs that they have requested. I have private insurance - I do not have Medicare or Medicare. I am not a student- I do not have a student ID. I am not in the military - I do not have a military ID. I do not have an employee badge as my company does not offer these.

I am looking to close my account and get my {$60.00}. I believe it is unacceptable to ask me to return to a branch after this debacle. I have already had to pay tolls, gas and waste my team dealing with this unprofessional bank. I just want my {$60.00} and it is unbelievable the hoops that Truist Bank is making me go through in order to get it. Between an unknowledgeable staff and unreasonable ID expectations, this is an unacceptable way to treat consumers.

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 2024-10-22 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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

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

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: PA

Complaint narrative:
I was the victim of identity theft. A girlfriend I was with in 2017 began to take my information and destroy my credit in retaliation of a break up. I was forced to get a protection from abuse order which was granted in my favor. However, the damage had been done as I suspect she opened credit cards in my name. I sent copies of the documents to XXXX but they refuse to delete the accounts because they have been verified. But these are not my accounts and the verification process gets completed because my real information was used fraudulently. These fraudulent accounts have ruined my life, I am currently homeless and I need these accounts to be removed so that i can get adequate housing. 

The following accounts need deleted from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation