vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: DC

Complaint narrative:
I submitted a dispute for an old student loan, the dispute was resolved in the last week with a statement Completed investigation of FCRA dispute - consumer disagrees. without actually doing anything about the incorrect information. 

The loans in question were transferred from XXXX  to XXXX in XXXX. Experian has been reporting incorrect information since 2022. I uploaded an updated XXXX loan balance stating all loans were transferred. 

One can easily cross reference the new reporting by XXXX with the nelnet loans seeing that the original balance as well as the date of disbursement were the same. The reporting by XXXX started when the nelnet reporting stopped. 

Experian continues to report nelnet as open and without delinquency even though they have not received updates/payments since XXXX. 

I am trying to purchase a home and as a result of this poor reporting experian says I have close to XXXX XXXX XXXX in loans when that is not true. 

XXXX has reported correctly and XXXX updated their reporting after a dispute was submitted. As a result experians negligence it is in violation of FCRA and should be fined.

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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Card was blocked 2 times in 1 day and is still currently blocked as Im on the phone with Citi Fraud protection. I have given them my phone number to verify but it doesnt work because phone number isnt under my name..which doesnt make sense because XXXX line is under my name. They dont want to use my ssn, my address, or any other way to verify me and want me to wait 5-7 business days for a letter to verify me. 

What a 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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There is a past-due payment recorded on TransUnion and XXXX of a balance of {$0.00}. A {$0.00} past-due balance is ironic, this means I have no past-due balance. On XXXX, there is no such remark, and my payment history is perfect. You can see even on XXXX and transunion records themselves it says {$0.00} past-due. The inconsistency of these bureaus are so obvious, as for XXXX, on their website it says my BOA is 60 days past-due, and on their mobile app it says 30 days past-due. And on both, it says there is no recent delinquency! Each month 's credit report has different things to say. I have called at least 10 times and disputed 5 times through XXXX and 3 times through XXXX, and all representatives found it peculiar that the past-due balance was {$0.00}. The reason behind this issue I believe : My XXXX  credit card had autopay turned on and never turned off. On XX/XX/year>, I got a notification that there was a past-due payment on my account, and my credit scores from all three major bureaus dropped immediately. I called XXXX right away and asked about the issue and they said there was a {$6.00} past-due balance. This was very strange as I never turned off auto-pay. It was later I found out through XXXX and later confirmed by a representative of XXXX, that XXXX XXXX XXXX ' autopay gets automatically XXXX after XXXX  months of no use of the card. THIS IS RIDICULOUS! and the representative agreed that this is not my fault and therefore dispute it and remove the record off my account. The next day, XXXX and XXXX took it off my record and my credit scores were recovered. I was still waiting on TransUnion. XXXX, XXXX rolled back on that decision and dropped my score again with the record back on their file. However, the only record they had was that there was a late-payment and the late-payment amount was {$0.00}. The account status was " in good standing ''. When I called the XXXX line they said XXXX did not provide them with enough paperwork to reverse the record, which was very weird considering Experian was fixed and never rolled back. So I have a record on late payment of {$0.00} that is affecting my credit score with no reasonable person to talk with on XXXX or transunion other than the offer to just file yet another dispute, which I know will be ruled against, despite the obvious fact that the late amount due is {$0.00}.

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 2024-04-14 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
After viewing my credit report for JPMCB credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 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.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT.

I hereby revoke JP MORGAN CHASE BANK from reporting information for the account mentioned to all credit reporting agencies. Again, JP MORGAN CHASE BANK and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: MO

Complaint narrative:
Hi, recently received random email, XX/XX/year>, from CHIME BANK that an account was created in my name. I did not authorize this and have never heard of this bank. I've called and had them close the account, but now I'm curious if they even do any background check when someone is trying to open new accounts. How does this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Claim # XXXX This Complaint is against W. Fargo for denial of my claim for {$740.00}. W Fargo stated that these transactions were made by using my Card # and my Pin #. How XXXX  is this???? Of course this is true, because I have been experiencing Identity theft for 17 months, after W. Fargo allowed these identity thieves to have access to my accounts, after I had my accounts deactivated and disabled to prevent this. This is the fault only of W. Fargo. W. Fargo communicated with these identity thieves on a regular basis, as indications validate.

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 2024-04-14 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:
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. 

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

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. 16815-2 ( 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 2024-04-14 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: NJ

Complaint narrative:
Duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting 2 inaccurate late payments for the EQUIFAX account ending in XXXX. These include two 90 day late payments posted in XX/XX/year> and XX/XX/year>. This is incorrect and 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 the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: AL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-14 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: AL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-14 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Report on credit without consent

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 2024-04-14 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: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I financed a vehicle back in XX/XX/2023. From XXXX XXXX XXXX. 
They ran my credit about 12 times to different financial accounts to approve my loan.

Ally finance approved us. All other inquiries I did not consent to. 
I tried dealing with the dealership but they keep putting me on hold and many excuses to not help me out. 
I keep trying to apply for credit cards and it seems my hard inquiries are affect me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2024-04-14 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 explanation
Consumer complaint received 2024-04-14 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding the debt collection practices and credit reporting activities of Milestone Credit Card and their associated collection agency.

I contacted Milestone Credit Card regarding a delay in updating my credit information after making a payment. Despite my timely payment, my credit was withheld for nearly two weeks. As a result of this delay, I requested that my account be closed and emphasized the importance of ensuring that the closure would not negatively impact my credit reporting. 

Although Milestone Credit Card closed my account as requested, I have recently discovered that they have failed to uphold their agreement to remove the account from my credit report. Despite assurances that the closure would not affect my credit, the account is still being reported, which contradicts the terms of our agreement. 

Furthermore, I disputed the inaccurate reporting of this account back in XXXX of XXXX. However, it has come to my attention that Milestone Credit Card has recently placed a derogatory mark on my credit report in XX/XX/XXXX, more than a year after the initial dispute. Utilizing XXXX XXXX XXXX, This action is unjustified and is causing significant harm to my creditworthiness. 

I am deeply concerned about the negative impact that Milestone Credit Card 's actions are having on my financial well-being. I believe that their failure to remove the account from my credit report and their unjustified derogatory mark constitute violations of consumer financial protection laws. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Milestone Credit Card and their associated collection agency. I also request that the inaccurate reporting be promptly corrected and that any derogatory marks be removed from my credit report. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your assistance in rectifying this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
I filed several complaints against the 3 credit bureaus for violating my rights to a factual and thorough investigation into the inaccuracies listed on my credit report. My complaint was filed on XX/XX/2024 and on XX/XX/2024 I received dispute results stating the accounts were verified and updated. However, the complaint is still open with the CFPB and the company responded to the CFPB that they are still working on the issue. They have sent correspondence to me stating their investigation was completed and never sent any documentation supporting a factual investigation. I received results from the credit bureaus on XX/XX/2024 and XX/XX/2024 Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed several complaints against the 3 credit bureaus for violating my rights to a factual and thorough investigation into the inaccuracies listed on my credit report. My complaint was filed on XX/XX/year> and on XX/XX/year> I received dispute results stating the accounts were verified and updated. However, the complaint is still open with the CFPB and the company responded to the CFPB that they are still working on the issue. They have sent correspondence to me stating their investigation was completed and never sent any documentation supporting a factual investigation. I received results from the credit bureaus on XX/XX/year> and XX/XX/year> Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller

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 2024-04-14 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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2024-04-14 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief