vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
My rental company kept my security deposit and also tried get more money out of me because they accused me of XXXX  XXXX  in my XXXX  although I never did and still do not XXXX. My neighbors on both sides of me XXXX. My apartment had no other damage or anything else that would warrant the fee. They never gave me my deposit back because of this falsehood and are trying to say I owe them more money. They owe me money being they never returned my deposit. This rental agency are 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 2024-01-02 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-02 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
This XXXX collection was sent to like XXXX different collection agency everyone sent me a letter to let me know I replied with police report and identity theft information. This agency decided to just put things on my report with out confirming if this debt is valid. That alone is a violation of the fair credit report. For each wrong information on report I am entitled to XXXX $ or what the law allows. They are very unprofessional and this needs to be removed immediately before I escalate this matter further

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: TX

Complaint narrative:
I paid Discover Personal Loans XXXX on XX/XX/2023. Also, I was reassured that a discover personal loans representative would be able to make payment plan or some arrangements with me regarding the amount due. On XX/XX/2023, I attempted to call Discover and the personal loans representative did not make any attempt or arrangements to assist me with this account. However, they are using tactics to trick me and con me out of money I don't have. This company has not provided any assistance in resolving the past due or payment of this account. They just keep lying and telling me to call them ; however, they do not have any plans on reduction the interest rate or amount due. In fact, if they would settle and remove the extremely high interest from the amount due, I would not owe them anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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:
I just reviewed my Transunion credit report and it shows inaccurate and unauthorized items. 

Please see the copy of my dispute letter that was already sent to Transunion. 

I have not received any responses yet.

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 2024-01-02 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-02 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: TN

Complaint narrative:
On XX/XX/XXXX I disputed incorrect information in writing related to my credit file ( see attached letters to Equifax ). The dispute was very specific stating the credit file #, date and page number of each account in dispute. On XX/XX/XXXX Equifax sent me a response stating the items I disputed were not reporting on my credit file, despite the proof I sent in with my initial dispute. I received this response on XX/XX/XXXX and pulled another comprehensive credit report from Equifax ( also attached to this email ). This new credit report clearly showed each of the disputed accounts still being reported in my Equifax credit file. This is a factual claim as is supported by the attached evidence. I'm not sure how Equifax can claim the creditors are not reporting on my file when clearly they are, as proven by credit reports before and after their response. 

The accounts are as follows : Creditor Name : XXXX XXXX Page on Credit Report : XXXX Reason : XXXX. Account PAID IN FULL BALANCE INCORRECT CLOSED. See attached evidence. 


Creditor Name : XXXX XXXX  XXXX Page on Credit Report : XXXX Reason : XXXX. The account balance is incorrect. 


XXXX XXXX : XXXX XXXX on Credit Report : XXXX Reason : XXXX. This account is not mine and I am not financially liable for the account nor was I ever. This should not be on my credit record. I am not an authorized user on this account which means the information is incorrect. I have made requests previously to remove it and you site that I am/was an authorized user but this does not accurately reflect my credit worthiness or liability because I am not legally liable for the account. Finally, if you continue to insist that this file belongs on my credit history, the Historical Account Information is incorrect and incomplete which does not accurately reflect the extent of the credit history which negatively affects my report scoring. 


Creditor Name : XXXX XXXX XXXX # XXXX Page on Credit Report : XXXX Reason : XXXX. Account status reads Included in Wage Earner Plan My Chapter XXXX bankruptcy was XXXX, all debts were paid in full under a 100 % plan, and this account is no longer in bankruptcy as it was PAID IN FULL - CLOSED Creditor Name : XXXX XXXX, XXXX Page on Credit Report : XXXX Reason : XXXX. Account status reads Included in Wage Earner Plan My Chapter XXXX bankruptcy was XXXX, all debts were paid in full under a 100 % plan, and this account is no longer in bankruptcy as it was PAID IN FULL - CLOSED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX there was fraud found in both my savings and checking accounts. I noticed on XX/XX/XXXX that there was fraudulent activity in my account and went to the bank early that morning. I spoke to there manager in Bank of America and she helped me out with phone numbers and stuff. I called the fraud phone number i was given to report everything that had happened. They gave me a claim and everything was okay after that until about a XXXX weeks later. my check from work got deposited into the fraudulent accounts and i was told they were completely shut down so i was confused. i went to the bank again XX/XX/XXXX and they called fraud for me and they were told it was apart of the risk department. so we called them and then they told me that my check was not going to be available to me and half of my check was taken due to the debts from the fraud. bank of americas manager ended up telling us to file a police report. so the next XXXX  we went in to file a police report. then when we called the risk department to tell them i had a police case number they informed me my funds were not going to be available for a few days. then i went to the bank XXXX  XX/XX/XXXX and they told me they are taking all of the available funds and putting it towards the debt from the fraud.

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 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am writing to dispute a charge of {$100.00} to my credit card account on XX/XX/2023. The charge is in error because we did not receive any statement notification via email between XX/XX/2023 XX/XX/2023. Due to this fact, and that we did not receive any paper statements as well, after the account went past 60 days due, I am disputing all charges on the account after XX/XX/XXXX, less the {$2.00} mandatory interest fee that item has been paid with the {$43.00} payment made on XX/XX/2023. 

I received the XXXX statement on XX/XX/2023, and my husband proceeded to pay the balance of the account on XX/XX/2023, of {$130.00}. After that payment, I did not receive any notice of a balance due until the XX/XX/XXXX statement. At that time, my husband made a {$43.00} payment to bring the account back to current, waiting to contact you after the new year and the holidays. Because I did not receive any email, or paper statements, as stated above, and the obvious intent at the time was to pay the balance off, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement showing a XXXX balance on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: IN

Complaint narrative:
I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and need everything corrected. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away

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 2024-01-02 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: FL

Complaint narrative:
I was reviewing my credit report and was riddled with anxiety  seeing a few inquiries that I did not authorize. I am working to get some credit and will be denied due to these errors being wrongly verified by the bureaus without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a fraud alert from Regions regarding a debit to my account from XXXX XXXX. I promptly responded to the alert, informing Regions that it was fraudulent as I do not use XXXX XXXX for any reason. The alert successfully prevented six charges from being processed, but unfortunately, three charges did go through and were posted to my account. I disputed these charges with Regions, but XXXX XXXX responded stating that the charges were valid, despite my inability to access the account. XXXX XXXX charged my account three times for a total amount of {$43.00}. Additionally, there were other charges posted to my account prior to these that I do not recognize. The company responsible for the purchases is based in XXXX. As of now, I have not reached a resolution, and I have filed a police report, although I am unsure of its effectiveness.

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 2024-01-02 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: TX

Complaint narrative:
FRCA Vilolations Not mine Hippa Vi ; oation Not my account XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history not my accounts XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX Original creditor not my auto account XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX INSTALLMENT  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-02 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:
FRCA Vilolations Not mine Hippa Vi ; oation Not my account XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history not my accounts XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX Original creditor not my auto account XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX INSTALLMENT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Making payments to a company that I don't have a legitimate contract with. This is confusing and misleading sale tactics. I'm trying to figure out who wrote the loan ACA or XXXX? This is a conflict of interest and the possibility of embezzlement. I should have received a contract from ACA explaining its terms and conditions. Is this a binding contract with the lean holder ACA OR XXXX? As a customer im confuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: IN

Complaint narrative:
I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and need everything corrected. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away

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 2024-01-02 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: NJ

Complaint narrative:
I have a late payment that is affecting my credit and keeps me from obtaining credit please address with navient thank you

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 2024-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
Subject : Urgent : Prolonged Account Restriction, Missing Funds, and Distress Dear Customer Financial Protection Bureau, I urgently seek your assistance due to the distress caused by prolonged account restriction and transparency issues with my Revolut account. My account was restricted for XXXX days, and it is still missing {$34.00}, intensifying the distress. Specifically, this relates to a XXXX to Revolut transfer on XXXX XXXX : Transaction Details : - ID : XXXX - Date : XXXX XXXX - Amount : {$34.00} The extended account restriction and lack of transparency in resolving these issues exacerbate the distress. Your immediate intervention is crucial for the resolution of both the missing funds and the associated distress. 

Sincerely, XXXX

Company response to consumer: Closed with explanation