vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am writing to bring to your attention a concerning issue regarding fraudulent information on my Experian credit report. The erroneous entry is an address listing at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which I have never lived at nor do I have any association with it. 
Upon discovering this incorrect information, I immediately contacted Experian to dispute the address. Experian advised me to contact XXXX XXXX XXXXXXXX, the institution that reported this address, to request its removal. I followed their advice and contacted XXXX XXXX XXXXXXXX on XX/XX/year>, to resolve the matter. However, despite my efforts, XXXX XXXX XXXXXXXX was unable to assist in removing this fraudulent address from my credit report. 
This erroneous address listing is damaging my creditworthiness and could potentially impact my financial standing. I am concerned about the accuracy of my credit report and seek your intervention to rectify this issue 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 explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
My account with ( XXXX, XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, 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

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is a fraudulent bank and has been stealing money from me for years. I would like help.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've had XXXX card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/2023 I opted out of receiving XXXX 's solicitations. I was not informed by XXXX that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX 's XXXX XXXX program alerting me to a missed payment, that I was informed of a charge on my XXXX card totaling {$28.00} being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: MD

Complaint narrative:
I've had XXXX card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/2023 I opted out of receiving XXXX 's solicitations. I was not informed by XXXX that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX 's XXXX XXXX program alerting me to a missed payment, that I was informed of a charge on my XXXX card totaling {$28.00} being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.

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 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
I recently reached out to EdFinancial regarding my student loan, which I incurred due to the closure of my school, XXXX ( later renamed XXXX ). The institution engaged in predatory and deceptive recruitment practices, misleading me with false promises and wrongfully extracting federal funds. As a result, I have been left in significant financial debt. 
The fraudulent activities committed by XXXX have severely impacted me financially. They misled me and engaged in various forms of fraud, leaving me with loans for an education that was either subpar or never fully delivered. In light of the school 's closure and these predatory practices, I contacted EdFinancial to seek assistance and potentially resolve the outstanding debt related to these unjustly obtained loans. 
I recently reached out to EdFinancial regarding my student loan, which I incurred due to the closure of my school, XXXX ( later renamed XXXX ). The institution engaged in predatory and deceptive recruitment practices, misleading me with false promises and wrongfully extracting federal funds. As a result, I have been left in significant financial debt. 
The fraudulent activities committed by XXXX have severely impacted me financially. They misled me and engaged in various forms of fraud, leaving me with loans for an education that was either subpar or never fully delivered. In light of the school 's closure and these predatory practices, I contacted EdFinancial to seek assistance and potentially resolve the outstanding debt related to these unjustly obtained loans. The amount of the loan Im disputing is with Ed financial the amount in the system is XXXX I contacted student federal loan department and was given the numbers below Year, Subsidized, Unsubsidized XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I applied for a loan with Big Picture Loans on XX/XX/year> for {$500.00}. I also obtained loans XX/XX/XXXX and XX/XX/XXXX. I later did some research and found the company is not licensed in Georgia, and the amount of interest they charge is in violation of the Georgia usury laws. They charged me XXXX  % annual percentage rate. The company is also not licensed with the state of Georgia to offer payday loans or installment loans. I have not taken any actions to inform the company of the violations because they said in the contract, " Unless expressly stated elsewhere in this loan agreement, no state law ( s ) shall apply to the loan agreement or the Lender ''. I was unsure if I could bring a complaint to them that is based on Georgia laws. I have also obtained two other loans from the company this year. I do not have the loan agreements for the other two loans. I looked on the website and they are not there anymore. I do have emails indicating I applied and received the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-15 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This my refilling of my complaint to WELLS FARGO BANK CAR for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report 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 2024-07-15 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: OH

Complaint narrative:
I have called and talked to Trans Union and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking Trans Union to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.

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 2024-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
Laundry company contracted with clients that I referred them to. Their contract was between them and the clients. They have written contracts between them and their clients. When the clients failed to pay them, they decided they would try to bully me into paying the debts by hiring a Texas Collection Company that has harrassed me, my wife, my friends. They have left negative reviews on social media about my business. 

They have no basis for attempting to collect from me. I am not their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I looked at my credit report and saw that this loan along XXXX the address XXXX XXXX XXXX XXXX was on file as my address. Ive never lived in NJ. Ive lost countless passports IDs and social security cards over the year. This is fraud and XXXX paying for this.

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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX, I met a guy off XXXX who lived in XXXX. He told me he was a punter who was a XXXX XXXX player but new to the team, and said he had a fundraiser for his XXXX with the team and asked me to donate. I searched his name on the internet, and sure enough, stories from credible news sites popped up with his story of playing football and XXXX. He then told me his mom was not in good health, and his credit card was not delivered since he moved here recently and asked me to send money since he didnt have any one else to ask at the time. I said sure, and sent him some money on my credit card. He continued to do this for a few months ; claiming eventually his mom died, he needed money for funerals etc. I then find out though my friend, he has been lying this whole time and has been doing this to many other girls, including those in his apt building in XXXX. I find out the leasing manager was scammed by him, and many other women. I post on a XXXX site asking if anyone else has an issue with him, and about 30 girls commented same issue. The issue Im having is I sent these payments through my credit cards, and at the time I believed he was telling the truth, and did not think he was a fraud. However I then find out he is, and by then it was too late. Its a shame the credit card companys wont help me, as this is clearly fraud. He goes out of his way to make up lies, and gets people to send him money. I also filed a police report with the XXXX police as there is an ongong investigation. Its sad I can not dispute these chargers as it is a lot of money, and I was deceived by his lies to send this money. He even said it was not a gift, he would pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MA

Complaint narrative:
The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX  account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.

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 2024-07-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NM

Complaint narrative:
On XX/XX/year> I was scammed out of {$180.00}. Which I disputed on XX/XX/year>. On XX/XX/year> I was given a provisional credit of {$180.00}. On XX/XX/year> I recieved a letter saying : " Based upon the results of our investigation we have concluded this transaction was unauthorized. The provisional credit of {$180.00} issued on XX/XX/year> will remain on the account as a permanent credit. This investigation is now considered closed. '' Then on XX/XX/year> without notice, warning, or explanation a reversal of the provisional credit was issued. Overdrawing my account. Since that time I have talk to several different representatives from my bank and have gotten multiple excuses. However, to date nothing has been done other then issuing my case a new service request number. I am a XXXX XXXX  citizen living off my monthly XXXX and {$180.00} is my food budget for an entire month. It's coming up on 3 weeks since my bank went into my account and took my money with no resolve in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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