vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Back in XXXX i established a Bank of America consumer credit card and swt up reoccurring auto payments of {$450.00}. In XXXX i faced financial hardship and was not able to make payments. Bank of America contacted me and we agreed on a monthly payments of {$280.00} using a different bank account. As those payments were going through successfully i attempted to stop the {$450.00} auto payments without any sucess to thos day. I been calling the Bank of America for 6 to 7 months to stop the {$450.00} auto payment of which the bank told me they can not cancel as they do not have access and told me to cancel via appt. I went to my account and removed all banking information and rest my auto payment of {$250.00} each month i definitely until paid off. Just few days ago i received another email notification that the {$450.00} will be withdrawn on the XXXX of XXXX. I called again today to inquire about stopping the seco d payment and was informed they can not do it due to lack of access. I asked to submit a technical issue ticket to fix this issue and was told that is something they are not able to do. In summary Bank of America wil not cancel my original {$450.00} auto reoccurring payments after i set up a new one of {$250.00} that is ungoing indefinitely until balance is paid. The original {$450.00} is linked to a bank account that has XXXX balance and it results in NSF charges of {$60.00} ( 1st attempt and 2nd attempt few days later ).

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 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-11-24 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo bank without my consent signed my account up for add-on products with drawing the service fee from my account causing overdraft after long period being overdrafted Wells Fargo closed my checking and savings account I live on a XXXX  with little to no access to essential nessities for personal health and wellness Wells Fargo denied my credit application leaving me financially crippled to purchase goods a debit card or credit card is a life saver on the XXXX to obtain goods from outside the XXXX  boarders credit account and deposit account are critical to the XXXX XXXX XXXX Wells Fargo 's actions denying credit and closing accounts had a direct negative impact on my mental and physical health and wellbeing also my credit and financial growth. 
I XXXX XXXX a XXXX XXXX living on a XXXX Wells Fargo bank has a local branch located on the XXXX XXXX XXXX XXXXXXXX XXXX I'm giving Wells Fargo bank a chance to make things right if not I'll file a lawsuit in federal court in the district of South Dakota possibly a class action lawsuits.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Experian To Whom It May Concern, I am writing to formally request validation of the following account that appears on my credit report, as I believe this information may be inaccurate. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Account Details : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Balance Reported : {$630.00} Date Opened : XX/XX/year> Status : Collection account This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made under the FDCPA. Please provide the following : 1. Identify the original creditor and explain what the money owed is for.

2. Provide evidence of how you calculated the amount owed ( {$630.00} ).

3. Supply copies of any documents showing that I agreed to pay this amount.

4. Provide verification or a copy of any judgment, if applicable.

5. Prove the Statute of Limitations on this account has not expired.

6. Show that the creditor is licensed to collect in my state ( XXXX ).

7. Provide the license numbers and registered agent information for the creditor. 

If you can not validate this account, I request that it be removed from my credit report immediately. Please forward this letter to the creditor as necessary. 

I also request that you send me written confirmation of your findings and actions regarding this account. I have attached a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Experian To Whom It May Concern, I am writing to formally request validation of the following account that appears on my credit report, as I believe this information may be inaccurate. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Account Details : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Balance Reported : {$630.00} Date Opened : XX/XX/year> Status : Collection account This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made under the FDCPA. Please provide the following : 1. Identify the original creditor and explain what the money owed is for.

2. Provide evidence of how you calculated the amount owed ( {$630.00} ).

3. Supply copies of any documents showing that I agreed to pay this amount.

4. Provide verification or a copy of any judgment, if applicable.

5. Prove the Statute of Limitations on this account has not expired.

6. Show that the creditor is licensed to collect in my state ( XXXX  ).

7. Provide the license numbers and registered agent information for the creditor. 

If you can not validate this account, I request that it be removed from my credit report immediately. Please forward this letter to the creditor as necessary. 

I also request that you send me written confirmation of your findings and actions regarding this account. I have attached a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
I have been victim of identity theft and I found fraudulent inquires in my credit report.Please remove that inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
I have been victim of identity theft and I found fraudulent inquires in my credit report.Please remove that inquires XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed derogatory and collections I did not make nor did I approve anyone to pull my credit 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 2024-11-24 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: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion, regarding their failure to accurately update my credit report. On XX/XX/year>2024, I submitted a dispute to the credit bureaus, requesting the correction of balances on my Department of Education loans serviced by XXXX which was transferred/ sold to XXXX XXXX I received confirmation from both XXXX and XXXX that the accounts are paid in full and provided supporting documentation during the dispute process. However, on [ XX/XX/year>2024 ], the credit reporting agency XXXX responded, claiming the information was updated AND verified as accurate Yet, upon reviewing my credit report, the balances remain unchanged and are still reflecting the original amounts as if unpaid. This inaccurate reporting is not only misleading but also detrimental to my credit standing. I believe this failure to properly investigate and update my information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer reports and promptly correct errors after disputes and opens TRANSUNION up to a Consumer Lawsuit in the process for inaccurate reporting. I am requesting the Consumer Financial Protection Bureau in assisting to ensure XXXX fulfills its obligations by : XXXX. Promptly correcting the balances on my accounts to reflect a XXXX balance. XXXX. Conducting a thorough investigation into this matter to ensure compliance with federal regulations. I have attached the following supporting documentation for your review : Confirmation from XXXX of the loan being paid in full. Copies of correspondence and the response from the credit reporting agencXXXX. Thank you for your attention to this matter. I trust you will assist in resolving this issue promptly. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed derogatory and collections that I did not make nor did I approve anyone to pull my credit 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 2024-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a collection on my credit report associated with account number XXXX which was reported by XXXX XXXX XXXX to XXXX XXXX XXXX. This account appears on my credit report ( XXXX XXXX TransUnion ) inaccurately, and I believe it has been mistakenly placed with your agency without proper evidence or authorization. I have no knowledge of any outstanding debt owed to XXXX XXXX XXXX and have not been provided with any documentation or proof to substantiate this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification and proof of the alleged debt, including evidence that the amount claimed is accurate and valid.

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I made a payment on my credit card with Costco Citi bank for {$7000.00} on XXXX and the money was debited from my account by XXXX. They have my money. despite this Citi refused to update my credit card account for 1 week. They have placed a hold on my account denying all purchases. The hold will not be released until XXXX. They will not even consider calling my bank to verify the payment when asked. I have received nothing but poor Service from this credit card company throughout the years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2024-11-24 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: CA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2024-11-24 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: CA

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

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 2024-11-24 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: CITIZENS FINANCIAL GROUP, INC.
State: OK

Complaint narrative:
On XXXX I received a solicitation in the mail from XXXX XXXX stating that I could " Get this XXXX XXXX XXXX '' when I start a new line with them, " select XXXX, and pay monthly ''. This mail came in my name to my house. I currently receive internet services from them. So, when I try and sign up it still wants me to have a credit check ran even though I am financing {$0.00}. This makes no sense to me but I proceed. Then Citizens Pay Says " Unable to proceed with device payment plan ''. Then they want {$800.00} for a free phone. I wasn't signing up for a payment plan I was simply trying to get a FREE PHONE that was advertised to me specifically. I feel this is a misuse of checking my credit and causing unnecessary activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Late Payment XXXXXXXX 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 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 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 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