vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: TX

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 informationisinaccurate.

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 2024-10-11 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: TN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXXXXXX XXXX  Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXXXXXX XXXX XXXX. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-10-11 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: GA

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my recent credit file, I noticed these inquiries. I never gave consent for these creditors to perform a hard pull on 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 2024-10-11 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: RI

Complaint narrative:
Equifax is not updating my updated reported information from companies. Equifax is making me miss out on opportunities due to them not updating my accurate information. All my information is corrected on the other bureaus and they are the only ones stating that the companies are not reporting anything which is a lie. I tried speaking with several of representatives to help fix the issue and they are very ignorant are not even taking actions to their mistakes thats ruining my credit day in and day out only for their bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was an insurance change from my HOA ( home owner Association ) on XXXX XXXX but the HOA did not provide the insurance company right away and Truist morgage added XXXX XXXX to purchase insurance on there own after they sent notice in XXXX XXXX in XXXX i bought an insurance from XXXX  and the XXXX XXXX was refunded, but still on escrow it show the payment XXXX XXXX for XXXX and told them a willing to pay the XXXX for XXXX but they keep saying pay the XXXX and it will be refunded after i pay the XX/XX/XXXX XXXX XXXX monthly payment. told them i dont have the money XXXXXXXX XXXX  to pay and they told me am going to default. 
Mail payments to : Loan information Loan number XXXX Principal balance XXXX {$230000.00} Escrow balance {$4600.00} Amount due : *Due by XX/XX/XXXX {$3900.00} {$52.00} late fee will be charged after XX/XX/XXXX Total Amount Enclosed XXXX  Loan Number Statement date Payment due date Amount due XXXX XX/XX/XXXX XX/XX/XXXX {$3900.00} Explanation of amount due Principal {$520.00} Interest {$520.00} Escrow ( taxes & insurance ) {$2900.00} Total regular monthly payment {$3900.00} Total amount due {$3900.00} Truist Bank XXXX XXXX XXXX XXXX XXXX MD XXXX Mail payments to : Loan information Loan number XXXX Principal balance XXXX {$240000.00} Escrow balance {$1300.00} Maturity date XX/XX/XXXX Interest rate 2.625 % Partial payments balance ( unapplied ) {$0.00} Amount due : *Due by XX/XX/XXXX {$1300.00} {$52.00} late fee will be charged after XX/XX/XXXX Loan Number Statement date Payment due date Amount due XXXX XXXX XXXXXX/XX/XXXX {$1300.00} Explanation of amount due Principal {$510.00} Interest {$520.00} Escrow ( taxes & insurance ) {$330.00} Total regular monthly payment {$1300.00} Total fees and charges {$0.00} Past due payment ( s ) {$0.00} Total amount due {$1300.00} Truist Bank XXXX XXXX XXXX XXXX, MD 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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a mailer offer from AMERICAN EXPRESS for a PLATINUM BUSINESS card. I used the provided QR code to apply and was accepted. The offer was XXXX points if I spent {$20000.00} within 6 months of activation. 

I was later told by AMEX that the offer in their system was for 3 months. 

I uploaded all the original offer documentation which showed 6 months however they denied it as it was not recorded as such in their system and they refused to make amends. 

Customer service has flat out REFUSED to honor the 6 month promotion ... they state their system shows it was for 3 months only but will NOT provide any documentation/log of the information from when I did the sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: WA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-10-11 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: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX  XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX  XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo XXXX  card automated monthly payment is set up to defraud customers. You can not set for payment date before last payment date. 

When you chose to pay the full last statement balance, the amount paid is ONLY the minimum amount, which is {$25.00}. 

The verification page on the system is that an authorized amount from {$25.00} to your last statement balance. Rather than the full last statements balance. 

Since you can not set to pay earlier, it is too late when you find out that only {$25.00} is charged, thus you incur interest on the balance. 

The system is set up to defraud customers, and XXXX users indicated that it happened to them again and again. Some 8 times before they fix it. Some noted it only on the first payment. 

Since I did not trust them, I always made payment earlier. Except this last time I wanted to test them, and sure enough, only {$25.00} was charged despite the request to pay full last balance. 

They are not doing this consistently, but sporadically. 

They would not change my payment date to few days earlier. Only offered to turn my autopay option off. 

This company set up their interface to fool customers. They force you to wait until the last day, they give you a vague amount in a range {$25.00} to balance amount instead of full amount. They denied that it is fraud. They have no intention to fix it even though it is widely reported months ago.

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 2024-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I was notified by XXXX XXXX XXXX that I hadn't returned my equipment. I shipped it back and have a receipt showing that. I contacted XXXX XXXX XXXX ( XXXX ) and they agreed and noted it on my account. Since then I've had several dept collectors trying to collect money from me. I've provided the proof and they stop, but each time they come back again. 

credence at XXXX XXXX XXXX, XXXX XXXX XXXX TX is the latest to reach out to me about this same item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally will not allow customers to have more than 3 checking accounts. This is a significant issue if you want to open checking accounts for your XXXX XXXX as those accounts have to be opened as a custodial account.

I currently have 3 checking accounts open at Ally that are all joint accounts for me and my husband : ( 1 ) used as my personal account ; ( 2 ) used as my husbands personal account ; ( 3 ) used as a joint account for joint expenses. I want to open a checking account for my minor son. I tried to do it online and was told that I had already hit my limit of 3 checking accounts, even though this last account would be a custodial account for my child. I tried calling customer service ( XX/XX/year> ) and was told the same thing and that there are no exceptions to this, although it was unclear if the agent fully understood my request. The only account available would be a savings account. However, a savings account is subject to transaction limits and per Ally 's website they will " close your account if you exceed it on more than an occasional basis '', so a savings account is not a feasible solution. With this policy, there would be no way for a parent with XXXX or more XXXX  to hold checking accounts for their children at Ally.

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 2024-10-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has me listed as an authorized user on a credit card that I have no knowledge of and has a balance of over {$43000.00}. I have contacted the credit card company ( XXXX ), and the credit card company says they are unable to remove me as an authorized user bc they can not find me listed as having any credit card accounts with any balances. ( They searched under my name, social security, address, etc. ) I have filed a dispute with Experian -- > the only thing the dispute did was add a statement to my file saying that I have no knowledge of the account. They have not removed the account from my credit score. I have tried to contact Experian directly but their automatic calling system makes it impossible for me to get pass the self-service section. I have yet to reach a human being on the phone who can help me with this matter. All other avenues have told me the only thing I can do is file a complaint with the CFPB.

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 2024-10-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I provided a letter requesting removal of inaccuracies and they have not updated or corrected my 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 2024-10-11 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-11 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:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your 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. This fraudulent, inaccurate, and false information Please Remove all the following accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 explanation
Consumer complaint received 2024-10-11 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief