vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I went to Bank of America ATM XXXX on XX/XX/XXXX and tried to withdraw {$300.00}. I selected XXXX {$100.00} bills. The ATM sounded like it was counting the money, the door opened and the screen said to take my money. However, there was no money there. The door closed and the transaction ended. I tried to go inside, but the bank was closed. A lady in a car told me it took her a minute to get her money but still none came out. Then a man came up and told me he didn't get his money either and he called and reported it. I called the phone number on the ATM but it wouldn't allow me to speak to anyone and told me to report the issue to my bank ( XXXX ), which I did. The dispute was not in my favor so l asked for a review and submitted a statement explaining the issue. On XX/XX/XXXX I went back to the Bank of America to try to resolve the issue, but once again they told me they couldn't do anything and to resolve the issue through my bank. The review came back not in my favor again. I then went online to dispute the transaction and again it was not in my favor. So I requested the evidence XXXX used and was just sent the status of the dispute. Once again I requested the evidence used. I received a transaction history from the atm that said I received the money, not really evidence since the atm malfunctioned, they also sent an atm over short statement saying the atm was over {$1600.00}. That should be evidence in my favor or at least enough to request additional evidence. I called XXXX again about the dispute and received a follow up saying the transaction history was all the evidence they needed and didn't care that the atm was over {$1600.00} and that the dispute is closed and will stay that way without further evidence and to XXXX Bank of America. I contacted Bank of America again on XX/XX/XXXX which still told me to contact XXXX. I explained to them XXXX doesn't care and won't do anything else since Bank of America gave XXXX a receipt. They said they will try to look into it and I should receive a call back in about three days but didn't have a way to open a dispute since my account was with another bank. As of the end of XXXX I havent received any more information or contact.

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 2024-08-09 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-09 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: FL

Complaint narrative:
violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$990.00} Original Creditor : 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 2024-08-09 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-09 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-09 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.

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 2024-08-09 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: FL

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.

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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I purchased a a car with written promise to service and repair things on vehicle as agreed. Warranty does not service issues as promised and will not offer help due to hard ship with car breaking down 3 days after it was purchased and days before it was due promised service of car on following Monday after purchase in XXXX Thursday XXXX. Filed complaints with state and still nothing

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 2024-08-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I woke up with {$2400.00} taken from my bank account. I had received a text from XXXX asking if I authorized this transaction, I replied with NO. I called to dispute transactions that were not mine. They had canceled my card and the next day an additional XXXX $ was taken. After I had advised them to not authorize this merchant, they still allowed these transactions to go through. They then denied my claim saying I authorized these transactions. These transactions were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear EXPERIAN, This letter is a formal dispute filed pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). I am requesting that you, EXPERIAN, block the following information on my credit report within 4 business days of receiving this complaint due to identity theft and fraud : ACCOUNT : DEROGATORY NAME OF CREDITOR : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT : DEROGATORY NAME OF CREDITOR : XXXX XXXX  SERVICE ACCOUNT NUMBER : XXXX ACCOUNT : DEROGATORY NAME OF CREDITOR : XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX I have attached a copy of my credit report showing this fraudulent information, as well as a copy of the Federal Trade Commission Identity Theft Report # XXXX as proof that this activity is a result of identity theft. 

I specifically declare the following statements : The request to block information is NOT based on a material misrepresentation. I am not making any misrepresentations in this dispute. 

I have NOT agreed in writing that the information was blocked in error. I have not agreed to anything related to this fraudulent information. 

I DID NOT knowingly obtain or should have known that I ( the consumer ) obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. I did not obtain any goods, services, or moneys related to this fraudulent account. 

I do not recognize the aforementioned account and I did not open it. I request that you investigate this matter and remove this inaccurate and fraudulent information from my credit report. 

Please contact me at the above address if you require any further information. 
Sincerely, XXXX XXXX XXXX : Copy of Credit Report FTC Identity Theft Report Drivers License

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 2024-08-09 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: GA

Complaint narrative:
I have several inquiries on my credit report that was not authorized by me and accounts being applied for without my knowledge.

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 2024-08-09 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: NJ

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
When I moved out of XXXX XXXX XXXX they informed me that my XXXX  XXXX rent relief funds would cover any closing costs that I had owed. I was approved for over {$3000.00} in XXXX Rent Relief, which would have covered the closing cost and then sum. I recently received a copy of my credit report and to my surprise I saw Genesis Credit Management on my credit. When I disputed this account, they emailed me a copy of my leasing agreement and move out statement that shows they did not apply the XXXX rent relief funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-08-09 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: PA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-09 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: IN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: NV

Complaint narrative:
On XX/XX/XXXX I was sent an email from first federal tech credit Union stating my account was frozen due to suspicious activity. I immediately called and spoke to a representative that informed me yes my account was frozen and an investigator is looking into it and it could be up to 30 days. I deposited my paycheck via mobile deposit through their app and my deposit was successful. My funds were held due to my account being new. All funds were supposed to be available XX/XX/XXXX. I called on XX/XX/XXXX for an update and was told if I wanted to close my account and have my funds sent to me via cashier 's check to send my id front and back, my social security card, and proof of address to XXXX. I immediately did as instructed. The next day, I called for update and was told my documents couldn't be a screenshot and that they needed the back of my social security card as well. I retook my picture of my documents and resent the email. I received another email today XXXX stating my documents were not able to be verified and that they are keeping the account frozen and my money will not be sent. All my documents are are my government issued documents and my proof of address is my utility bill. What can I do to get my money from my paycheck?

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