vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Illegal out-of-state garnishment places on my account without my consent. 
I had no knowledge that I even owed any money to anybody. As a result, I will lose my unemployment benefits payment that allows me to survive. 
The amount was {$5100.00} Boa customer service refused to help by rejecting this garnishment. 
Instead they want me to call this number : 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 2024-11-26 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: AZ

Complaint narrative:
I just reviewed my credit report and found multiple inquiries from your company that I dont recognize. I didnt approve these, and theyre now affecting my credit score, which is really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I am submitting this to the " CFPB '' attention about serious concerns regarding practices that appear to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Upon reviewing my credit report provided by " TRANSUNION '', I have identified several instances where inaccurate information is being reported. These inaccuracies have directly impacted my creditworthiness and financial standing, thus potentially violating the FCRA which requires consumer reporting agencies to maintain accurate and up-to-date information. Furthermore, I have " NOT '' received communications from " TRANSUNION '' bureau that appears to be in violation of the FDCPA, which regulates the behavior of debt collectors. The tone and content of these communications do not adhere to the standards set forth in the FDCPA, and I am deeply concerned about the potential harm and stress they have caused. I am requesting the CFPB to take immediate action to rectify these issues and ensure compliance with both the FCRA and the FDCPA. I expect a prompt response from " XXXX '' detailing the steps that taken to address these violations and prevent similar occurrences in the future. I am also requesting " TRANSUNION '' to provide a written response within 15 days of the date of this 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 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX sent a check on my behalf of {$470.00} to Affirm to pay off my loan I have with them. The check was sent on XX/XX/year> and Affirm cashed the check on XX/XX/year>. I called Affirm on XX/XX/year> to see why my check wasnt reflecting on my account and they told me I needed to wait the 10 business for it to reflect. So I waited. The business days were up and the check still wasnt in my account, so I called again. Then I realized that my last name on the check and last name on my account werent the same, because I legally changed it, so I told Affirm and they fixed it. After that, the check still wasnt reflecting on my account so I called again, they said the check was under investigation and I would hear from the team that deals with that in 3-5 business days. So I waited. 5 business days later, I still didnt hear anything. So I call again and get told the same thing and still nothing. Ive called around 30 times looking for answers and no one at Affirm can seem to give me any. It has now been over a month and my check still isnt reflecting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

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 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2024-11-26 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.

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-11-26 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: GA

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 non-monetary relief
Consumer complaint received 2024-11-26 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a data breach. Fraudulent accounts and inquiries have been added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/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 2024-11-26 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: NY

Complaint narrative:
account # XXXX To Whom It May Concern, Thank you for your response to my complaint dated XX/XX/XXXX. I appreciate the time you took to investigate the matter. However, I must respectfully disagree with your findings and would like to address the concerns in greater detail. 
1. Discrepancy in Reporting : I maintain that the information being reported to the credit bureaus is inaccurate. While you state that payments for XXXX, XXXX, and XX/XX/XXXX were not received and subsequently charged off on XX/XX/XXXX, this does not justify continuing to report an inaccurate balance. Once an account is charged off, the balance should be reported as {$0.00} in accordance with industry standards unless the debt has been sold or transferred. Please provide clear documentation that supports the balance of {$16000.00}, including a detailed accounting of the alleged debt. 
2. Verification of Debt : I am requesting that you provide the following : A copy of the original agreement or contract that establishes my obligation to pay the stated balance. 
A complete payment history showing all payments made, fees assessed, and how the current balance was calculated. 
Proof that XXXX XXXX XXXX is legally entitled to collect this debt or assign it to a third-party agency. 
XXXX. Good Faith Resolution : While I understand your obligation to accurately report to credit bureaus, I respectfully request that you reassess the account balance and work with me to resolve this matter fairly. If the balance can not be adjusted to {$0.00}, please provide a detailed explanation as to why the account was not settled as part of the charge-off process. 

I am willing to work toward a resolution that satisfies both parties. If you are unable to provide sufficient documentation or validation of this debt, I respectfully request that you correct the inaccurate reporting with all consumer reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 2024-11-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
account # XXXX To Whom It May Concern, Thank you for your response to my complaint dated XX/XX/XXXX. I appreciate the time you took to investigate the matter. However, I must respectfully disagree with your findings and would like to address the concerns in greater detail. 
1. Discrepancy in Reporting : I maintain that the information being reported to the credit bureaus is inaccurate. While you state that payments for XXXX, XXXX, and XX/XX/XXXX were not received and subsequently charged off on XX/XX/XXXX, this does not justify continuing to report an inaccurate balance. Once an account is charged off, the balance should be reported as {$0.00} in accordance with industry standards unless the debt has been sold or transferred. Please provide clear documentation that supports the balance of {$16000.00}, including a detailed accounting of the alleged debt. 
2. Verification of Debt : I am requesting that you provide the following : A copy of the original agreement or contract that establishes my obligation to pay the stated balance. 
A complete payment history showing all payments made, fees assessed, and how the current balance was calculated. 
Proof that XXXX XXXX XXXX is legally entitled to collect this debt or assign it to a third-party agency. 
XXXX. Good Faith Resolution : While I understand your obligation to accurately report to credit bureaus, I respectfully request that you reassess the account balance and work with me to resolve this matter fairly. If the balance can not be adjusted to {$0.00}, please provide a detailed explanation as to why the account was not settled as part of the charge-off process. 

I am willing to work toward a resolution that satisfies both parties. If you are unable to provide sufficient documentation or validation of this debt, I respectfully request that you correct the inaccurate reporting with all consumer reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MI

Complaint narrative:
Cashapp sent me a debit card I did not request. I reached out to Cashapp for help and they did not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Theres no information being reported to my credit card with XXXX  XXXX ending in XXXX as of XX/XX/year> with XXXX  and equifax on my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Theres no information being reported to my credit card with XXXX  XXXX ending in XXXX as of XX/XX/year> with experian and XXXX on my XXXX  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 explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX, XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with CCBXXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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 2024-11-26 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: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
XX/XX/XXXX I made a payment on my unsecured personal loan ( full contract attached ) asked them to apply it to the principle. The payment was successfully made and applied to my loan ( see screencap from PNC online payment details attached ). 

XX/XX/XXXX @ XXXXXXXX XXXX After not seeing a change in my Maturity Date ( see sections : XXXX, XXXX, XXXX of the contract attached ), I called to inquire why I didn't see a change. The gentleman on the phone at the PNC support center said to check back with support in a few days to allow the Billing Cycle for the month to run in order to possibly see the new Maturity Date. 

XX/XX/XXXX @ XXXX XXXX  After allowing several days for the billing cycle to complete. I called the support center again asking to know what my new Maturty Date is. The agent put me on hold for several minutes. When she came back on the line, she said that they have no way of knowing what the new maturity date would be and that I would have to continue making my full payments each month of {$XXXX} until I finally get a letter from PNC on final payment. I told her that I understand the contract in sections XXXX, and XXXX, but since I put down such a large payment, I felt I was entitled to know what my new maturity date is. I think it is absolutely ridiculus for me to have to " discover '' what my new maturity date is. I'm expecting the maturity date to come forward from XX/XX/XXXX to somewhere around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-26 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.

Company response to consumer: Closed with non-monetary relief