vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
I requested to dispute the account below I have know knowledge of nor did I authorize with the 3 credit credit bureaus. 

Upon the investigation XXXX determined that the unauthorized account would be resolved and removed from my credit report. 

XXXX XXXX Equifax are still reporting this on my credit which is preventing me from closing on my home loan. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$7300.00} OPEN {$7300.00} XXXX $ XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX, I decided to upgrade my XXXX  XXXX XXXX  account. I was unable to successfully upgrade. I called XXXX  XXXX XXXX XXXX the same day. I was advised the reason I was denied access was information was return by LexisNexis indicating their records show that I am deceased/dead. Also, on XX/XX/XXXX, I applied for a checking account with XXXX XXXX. My XXXX XXXX  application was declined. The reason was the inability to verify certain information that is required under the XXXX XXXX. Since this time, I submitted online inquiries to LexisNexis on XXXX. They responded to me on XX/XX/XXXX requesting additional documentation. I provided a copy of my driver 's license and current utility bill within the last XXXX  days. LexisNexis has me showing in their system as deceased as of XX/XX/XXXX. I have a XXXX XXXX XXXXXXXX XXXX XXXX, who died on XX/XX/XXXX. Our social security number is identical for except the last XXXX digits. I have tried to call LexisNexis on several occasions. I have submitted an additional online inquiry, however, have not heard anything from them. This is an inconvenience and I need this corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Ability Recovery Services I am writing to formally address a concerning matter regarding my credit report that involves your company, Ability Recovery Services. My name is XXXX XXXX, and I have recently discovered inaccurate information on my credit report, which I believe has been reported falsely by your organization. 

Upon discovering this discrepancy, I promptly contacted your company via [ method of contact, such as phone or email ] to dispute the erroneous information. However, it has now been over 30 days since my initial contact, and I have yet to receive any response or acknowledgment from your end. 

This misinformation on my credit report not only goes against the Fair Credit Reporting Act, which mandates accurate reporting of consumer credit information, but it also has the potential to adversely impact my financial standing. As a consumer, I have the right to expect timely and accurate responses when disputing such matters. 

Therefore, I kindly request that Ability Recovery Services investigate this matter promptly and provide me with a written explanation of the steps taken to rectify the inaccurate information on my credit report. Additionally, I expect confirmation that any negative reporting related to this dispute will be corrected or removed from my credit profile. 

Please respond to this letter within 30 days from the date of receipt to acknowledge receipt and outline your plan of action. Should I not receive a satisfactory response within this timeframe, I will not hesitate to escalate this issue to relevant consumer protection agencies and seek legal counsel to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, 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 2024-07-12 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: KEYCORP
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to my bank to deposit a check. I checked my balance through the ATM machine and I found ~ {$3000.00} missing from my checking account. I went to the bank manager ( Keybank ) and filed a complaint. I explained to her what had happened. I then asked her to print me a statement for my account and I found on the statement that I had a charge from XXXX XXXX XXXX XXXX XXXX FL for {$2700.00}, I had not authorised this charge on XX/XX/XXXX. The bank manager cancelled my ATM card per request, and I handed her the ATM card after she cancelled it. She gave me a paper stating the bank would do a fraud investigation and theyd give me an answer in 10 business days. I then called the same bank manager after ~5 business days to get an update on when Id get my money back. She told me she was going to call the fraud investigation and she then put me on hold. She got back to me a few minutes later and told me they still have up to 10 business days and she was very rude and got smart with me and told me it was my fault because Im using my card to order XXXX eats. I told her Id give her 10 business days and if I dont see my money back Id take the bank to court. On XX/XX/XXXX, I stopped by a different branch of Keybank in XXXX XXXX and I talked to XXXX of their bank managers to get an update and he called the fraud investigation. After talking to them for 10 minutes, he told me the investigation could take up to 3 months because they tried calling the roofing company that had made the charge and they have not answered or returned their call, which sounds full of XXXX. Ive had bad experience with this bank. Every time something happens with my ATM card, they always only partially refund some of my money from unauthorised purchases and then take it back months later. As an example, I had somebody steal 4 of my ATM cards from 4 different banks and used it to make unauthorised purchases, and I filed a complaint with all of the banks and all of the banks refunded my money completely except for Keybank ; they only refunded half of my money even after getting the police involved in which they caught the guy who stole my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
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 's 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 reinvestigation 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 the dispute from the consumer or reseller. 

Account Name : 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 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 2024-07-12 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: GA

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 XXXX. 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 those account 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I currently bank with TRUIST. I also banked with both BB & T and SunTrust prior to the merger. The issue I am experiencing is that my bills have not been paid since before the end of XXXX. 
I set up Bill Payer on a monthly basis. After setting up the monthly bills to be paid each month, I check my account to make sure the bills were paid and to make sure funds are sufficient to pay the bills. My bills were not paid beginning XX/XX/year> to present. My bills were scheduled to be paid through Bill Payer and they were CANCELLED by TRUIST BANK. This was not due to lack of funds. I have been trying to resolve this issue with TRUIST since the beginning of XXXX. Due to the the delay in payment to one of my Payee 's, TRUIST jeopardized a " no interest '' credit card account that has been maintained without any late payments well over a year. Currently, I am still waiting for resolution to the problem. I have updated the Payees ' Information, Passwords and User Name to assist in fixing the problem. Instead, now my account is actively showing that 9 upcoming payments ( some double or triple payments to the same payee ), are scheduled to be paid. However, the " Transaction Details '' page is showing conflicting information that the Payee 's " Status '' is " Canceled ''. This would mean that the payee would NOT be paid. Most Payees are listed multiple times in an effort to resolve the issue per the directive from the customer representative on the phone. Are you able to assist with the banking issue?

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 2024-07-12 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: CA

Complaint narrative:
My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 non-monetary relief
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX 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 2024-07-12 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: CA

Complaint narrative:
I received notification via email from several credit monitoring services I use such as MyFico indicating that a new account inquiry had been applied to my credit report around XX/XX/year>. I immediately froze all of my credit reporting through transunion, XXXX and XXXX I called the company XXXX and they were unable to help me or provide me with any information. The representative was only able to provide me with the credit bureaus that they use to open new accounts. I called XXXX to get the inquiry removed and a fraud alert was placed on my account, I called transunion and was told that i would need to file a claim on report fraud.ftc.gov.

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 2024-07-12 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint Early Warning Services , LLC, XXXXXXXX XXXX XXXX XXXX, XXXX, or " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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 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 2024-07-12 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: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX  health.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX  health.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: SC

Complaint narrative:
I requested via a dispute to update the information on my credit report to show the actual current balance with the actual amount that has been paid off. This is impacting my credit score and impacting my debt to income ratio when looking for a home. 

I have paid on time each time and it seems as if they are only updating reports that show derogatory information, but good information should be reported as well, ESPECIALLY when there is a dispute regarding the information. 

I have rquested a change TWICE via disputes to XXXX and each time, it came back that the dispute was completed with no change to my report.

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