vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: NC

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
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
there was a delinquency on a mortgage with PennyMac. We made an agreement, utilizing COVD Relief Program. I went to purchase a new vehicle and was denied due to an inaccurate past due of XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I noticed that my check was garnished, I reached out to my employer, and they told me that my check was being garnished by the law offices of Patenaude & Felix for a debt owed to XXXX  XXXX. I called the offices of Patenaude & Felix to ask why they garnished my check without informing me, they proceeded to tell me that they served a woman in my household from the ages of XXXX in 2021 with this suit although no one in my household is of this age Nore were there any females living in this Houshold during that time or any time after and the notes that the offices of Patenaude & Felix show they did not collect a Name of who this was served to just said a woman ages XXXX, I was never made aware of this suit nor was I legally served and now my check in getting garnished 20 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: AL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-09 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:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-10-09 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: PA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A mistaken charge was made on my Bank of America credit card for XX/XX/year>, for a XXXX hotel stay that my wife and I never actually booked for {$380.00}. We contacted the hotel, they agreed it was a mistake and they promised to credit the full amount on the credit card. However we feel that the hotel 's customer service is suspect, so I called Bank of America Credit Card Customer Service to dispute the charge in case the hotel made a another mistake. The full charge of my B of A credit card bill for XX/XX/year> is {$4500.00}, and is due on XX/XX/year>. I spoke to a Bank of America supervisor on the phone named XXXX. He refused to subtract the {$380.00} from my XXXX statement despite the fact I was disputing the charge. He said the full amount of {$4500.00} is still due on the due date or Bank of America will charge interest on my statement. I told XXXX this is illegal, but he refused to follow the laws regarding credit card disputes. I told him that Bank of America is required by law to subtract the {$380.00} from my statement balance pending resolution of the dispute and that {$3400.00} would be the amount that is required on the due date for payment in full, so no interest would potentially be charged until the dispute was resolved. XXXX refused to agree. I told him I would legally XXXX Bank of America 's understanding of the laws regarding consumer protections regarding credit cards. XXXX said he would send XXXX Bank of America 's terms and conditions, which he claims allows Bank of America to illegally proceed as I have described above. Our phone conversation was recorded. Please ask Bank of America for the recording, so you can hear exactly what was said.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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 explanation
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Hello , I am writing this complaint because TRANSUNION, LLC, or " TRANSUNION '' continues to furnish and disclose fraudulent inquiries onto the Consumer Report of XXXX XXXX XXXX , Consumer. Transunion has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer. 
Please see, " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX TransUnion XXXX ( XXXX ) '' TRANSUNION and the following creditors have severely suppressed the financial reputation of XXXX XXXX XXXX, Consumer, as these fraudulent inquiries are prohibiting said Consumer from extending credit due to the following three inquires being furnished : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX The CFPB Complaint dates and correspondences are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CFPB Case Number ( XXXX ) : XXXX XXXX Submitted to Transunion on XX/XX/XXXX Transunion responded on : XX/XX/XXXX CFPB Case Number XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX CFPB Case Number ( XXXX ) : XXXX Transunion : XXXX Submitted : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX FL XXXX CFPB Case Number ( s ) : XXXX Submitted to CFBP on XX/XX/XXXX, Sent to Regulator ( FTC ) on XX/XX/XXXX, no Response as of XX/XX/XXXX. 
Transunion : XXXX Submitted on : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX Each time Transunion took more than ( 30 ) days to conduct a reasonable reinvestigation. after receipt of Notice. Please see : " XXXX XXXX TransUnion XXXX. 
( XXXX ), " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '', and " 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I checked my mail as saw that there was XXXX letters from XXXX North Carolina, the first : opened it and it was from a debt collection agency saying that the account ( that is not mine ) meets there guidelines for a placement to a law firm. The second : was a letter acknowledging a dispute and asking to file with the FTC ( in which I did after filing this complaint ) - and I attempted to call the debt collector, but was unable able to get a good connection with the costumer service person ( not their fault ), I will be trying to get in contact with XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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 of 2024 at around XXXX XXXX, I made a cash deposit through an ATM of {$1500.00}. When finished, ATM said they could not give my money back and receipt showed a balance of {$300.00}. I went inside the bank and talked to a representative and they said that is normal, and that it should be in my account by tomorrow, and if its not, to call and file a claim. XX/XX/XXXX and the money was still missing from my account so I called the number the lady at the bank gave me and told them my situation. They said my money would be deposited back into my account in 2 business days, or 10 business days at the latest. I waited 2 days, the money still wasnt in my account so I called on XX/XX/XXXX. The people on the phone said that it should be in my account in 10 business days and if its not, I will receive a credit for the {$1200.00} which could be reversed if my claim wasnt approved. Today, XX/XX/XXXX, I checked my account again and noticed they gave me a credit for the missing amount, so I called again and told them I am not interested in a credit that could be reversed and potentially put me in debt when I had the money, they just took it from me. The people on the phone still couldnt tell me why they took my money and cant give it back when I had the cash in my own hands and they took it.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX ( Items for dispute ) Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter for inaccurate account and inquiries on my credit report.. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. This has really caused me a lot of stress and strain and I demand that these information and inquiries be deleted immediately or I will file for litigation. My information was also impacted by the data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NC

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 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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX Consumer ID : XXXX XXXX Early Warning Services , LLC XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to Identity Theft in Early Warning Services Report Dear Early Warning Services, I am writing to formally dispute inaccurate information in my Early Warning Services report , which is the result of identity theft. I did not authorize the transactions or accounts reported under my name, and I am requesting that these fraudulent items be removed from my report immediately. 

Item ( s ) Disputed Due to Fraudulent Activity Please Remove XXXX XXXX XXXX Contribution Ref # : XXXX ABA Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX SSN/Tax ID XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : OH Incident Date : XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account Fraud The following section refers to transactions related to your bank accounts ). 

Bank Name : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Reason for Dispute These accounts or transactions were not initiated or authorized by me. They are a result of identity theft, and I was unaware of them until I reviewed my XXXX report. 

Attached, you will find the following documents to support my claim : FTC IDENTITY THEFT REPORT I request that you conduct a reinvestigation of these items and promptly remove the fraudulent information from my report. I also ask for written confirmation that the report has been corrected following the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation