vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
My account with ( XXXX/XXXX, XXXX, ) 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. 


( XXXX/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! 

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 2024-07-10 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: GA

Complaint narrative:
My account with ( XXXX/XXXX, XXXX, ) 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.

( XXXX/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!

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Somebody had put a stolen check into my account and it was never cashed and my account became frozen and I was never charged for fraud nor went to prison for fraud and Im just trying to clear my record and ask somebody tried opening a bank in another city that I have never ever heard if

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
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CO

Complaint narrative:
XX/XX/year> Account was opened without my consent by Chime XXXX ( chime.com ) and I was emailed ( on my primary email ) links to fund the checking account - chime.com. 
I immediately reset the password, searched on how to close the account, and went through the closure procedure with an agent. They complied. No funds changed hands. Chime.com had my name, address, email, telephone number and SSN within the account profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, The Equifax 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. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at SelfLead on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX Charter Communications on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 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 # 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX Previous complaint number In the previous complaint paypal rep said Im now able to transfer my crypto out of PayPal and be done with it once and for all. Yet here I am still stuck, unable to transfer my crypto out of PayPal, I get an error when I go to do it. Meanwhile Bitcoin has gone down another few XXXX and I AM FORCED TO LOSE EVEN MORE MONEY BECAUSE PAYPAL WONT GIVE ME MY MONEY BACK!!!! 
I have called customer service and they said they have to escalate it to a rep for review. This doesnt make sense since its already been approved in the previous complaint. CFPB I need your help BAD here, I am helpless and approaching XXXX. There is no reason why they wont let me transfer MY crypto out. They are just holding it captive for no reason. HELP!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to have a full clue report from my Lexis Nexis file and update any inaccurate information that may be on the report. My full name and address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XX/XX/1982

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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 XXXX XXXX XXXX, XXXX XXXX XXXXNever 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MO

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.Please Remove these accounts from my report They are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Under 15 USC CODE 1681S-2 and 15 USC CODE1666b this is a clear violation of inaccurate reporting. After reaching out to the creditors, I was advised to contact the CRA to have the collection and charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection and charge off in questions did not belong 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 2024-07-10 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: NJ

Complaint narrative:
The XXXX, XXXX XXXX Police Report and the FTC affidavit needs to be sent to all XXXX credit bureaus.

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 2024-07-10 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: NJ

Complaint narrative:
The XXXXXXXX XXXX XXXX Police Report and the FTC affidavit needs to be sent to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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 need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

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 2024-07-10 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My brother stole my personal information and opened all of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FirstKey Holdings, LLC
State: MN

Complaint narrative:
RE : XXXX Acct. No. XXXX Loan held by XXXX XXXX XXXX  XXXX XXXX On XX/XX/XXXX, I contacted my mortgage loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX to see what could be done in the short term after receiving results of a bad mammogram and due to high unexpected costs for new drugs even with insurance. 

I am on Social Security XXXX, paid on the XXXX Wednesday of every month. I have provided in my attachments all the recorded phone call dates and names of the reps I spoke to to work out a new payment arrangement. The loan would be paid monthly, I would pay the insurance via my checking with XXXX, the property taxes are due in XXXX. 

The home is already in a purchase agreement with my neighbor and the purchase agreement is currently being written up. The plan is to pay off the loan as soon as the funds are received. As an interim timeframe, with current medical issues, I needed to take advantage of all the " help '' XXXX promises in their letters when you need it. 

I have shown that I made the loan payments and arrangements for the XXXX, XXXX, XXXX and now in question the XXXX ( due to XXXX stating they will start foreclosure procedures by XX/XX/XXXX. The payments made have been applied to the " suspense '' account, since the property taxes ( which make up the bulk of the payment ) were suspended since they are not due until XX/XX/XXXX, which will be paid by the house sale. 

XXXX recorded the calls which made the new arrangement, but the computer generates foreclosure notices because it does not recognize the verbal agreed interim payment arrangements which still kept the loan current when applied as agreed. 

Due to the high cost of drugs I am currently experiencing, this is a priority medical situation and the reason I made the initial call regarding the loan to keep it current until the sale funds come through - 30 -90 days. 

I'm asking the verbal agreed upon new payment arrangement made in my recorded calls to XXXX on XX/XX/XXXX and reconfirmed on XX/XX/XXXX ( see attachments ) whereby I make the loan payments to XXXX and I pay the monthly insurance and eventually the XXXX property taxes due. The stress of XXXX is causing great harm in that they are going back on their word and I don't need this right now. I need confirmation that I can continue paying the loan amount only via XXXX. 

I've attached confirming documents and the threat of taking my house from XXXX even though I reached out to take advantage and was approved over the recorded conversations to this interim payment arrangement. This loan has been in effect since XXXX and always on auto pay. This is the only time I've asked for interim arrangements. 

XXXX XXXX XXXX, owner Servicer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Utah XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR resource is trying to collect a Debt that I do not owe from XXXX XXXX the Debt was XXXX from the hospital however, every day refused to take it out from my credit I contacted the hospital. They don't have any record of me owing this bill, and I have been trying numerous time to remove it from my credit report, but every attempt failed. 
I need them to show proof that I owe this bill as today 's date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
Amerihome Mortgage is refusing to allow me to make payments and keeps charging me late fees. They would not let me change the payment date in XXXX and my bank account was severely overdrafted. I had to have my bank refund the payment. Then they refused to take an online payment and told me to send a check. I sent a check on XX/XX/18 and they just let me know today that they rejected the payment for not being a XXXX XXXX XXXX  even though they didn't say that. So now I am XXXX months behind and they are still refusing to take my payments.

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 2024-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have {$1800.00} on my citi savings account. I got An email that my account would be transferred to the state if not claimed. I called and they said my account had been inactivated due to no activity in a while- my last deposit was last year but I log in all the time to my account and had no notice of my account being inactivated. I tried asking to reactivate they said you must visit closest branch in South Dakota ( I live in RI ), or wrote some notarized letter to have it reactivated. I want access to my money and I read others went through this same situation and could not access their money

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 2024-07-10 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: WI

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I lost my wallet and they took my debit and credit card without my knowledge

Company response to consumer: Closed with explanation