vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding inaccurate information that is still being reported on my credit file, despite my prior request for removal under the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I am entitled to have inaccurate or unverifiable information removed from my credit report. I previously identified the following accounts as incorrect and requested their removal : XXXX XXXX XXXX Account Number : XXXX The specific inaccuracies in these accounts include : Date of Opening : The reported opening date is incorrect. 
Credit Limit : The listed credit limit is inaccurate. 
Last Reported Date : The last reported date does not match any legitimate records. 
Last Date Active : The listed last date active is inaccurate. 
Last Date of Payment : The reported last payment date is incorrect. 
Payment History : The payment history does not reflect actual transactions. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively. Furthermore this is a Tax Implications Misrepresentation. The reporting of this debt may have tax implications that do not apply in my situation, and therefore, it should not be reflected in my credit report. 

Despite my formal dispute, these inaccurate entries remain on my report. Under the FCRA, if the information can not be verified or is found to be inaccurate, the credit reporting agency is required to delete, this obligation was not fulfilled. 
I am requesting immediate action to correct this situation. Failure to comply with the FCRA may result in further action on my part, as my credit report is continuing to reflect erroneous information that is harmful to my financial standing. 
Please provide written confirmation that these inaccuracies have been investigated and removed from my credit report. I have once again included a copy of my credit report with the disputed information highlighted for your reference with proof. 
Thank you for your immediate attention to this matter. 
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 2024-09-25 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, Experian, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-25 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: FL

Complaint narrative:
XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, Experian, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-25 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between TransUnion, XXXX, and XXXX in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-25 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:
My social security, name, address, old addresses, and other information has been placed on XXXX XXXX  using different addresses and telephone numbers. I have placed a freeze on my credit but someone is constantly using my information per my credit reports. I asked for a freeze and fraud alert on my credit. Also someone got an EIN number using my information with a company name XXXX XXXX XXXX. Ive already reported it as well and have not received any response. I need help. Please see these numbers listed on my credit report now ; XXXX, XXXX, XXXX. Also this name and address appeared on my credit XXXX XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, XXXXXXXX XXXX. Please assist me with protecting my credit that has been compromised.

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 2024-09-25 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-09-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On XXXX my Money Network card was used at two locations for ATM withdrawals while I was still in possession of the card. My card was assessed for two transaction service fees which is interesting because my card does not allow for withdrawals from ATMs that charge service fees. You must use a sponsored ATM which is usually a XXXX. The first transaction WAS indeed at a XXXX in XXXXXXXX XXXX  which I have never been to for {$300.00} plus service fee. The second was for {$200.00} plus service fee at a XXXX in XXXXXXXX XXXX which I have also never been to. 

The morning after it was posted I contacted Money Network about the issue and filled a dispute. They said that I would be receiving a letter in the mail that I needed to fill out and return within 10 days. Well, I actually found the form online and filled it out and included police reports that I filled in both cities that the unauthorized transactions occurred. 

I waited 12 days to hear back about the status of my dispute and even emailed the dispute department around 7 days and never heard back. They said that my dispute was denied due to digital validation. Whatever that even means. I finally received the dispute form in the mail on the ninth day, which would have put me over the 10 day limit to receive a provisional credit that they said I would receive until the investigation was resolved. Obviously they did not investigate the transactions as I clearly was not the one who made them. In the world of mass surveillance, there has to be a video of who made these transactions. So, now I must resubmit a dispute, who knows what the result will be, that can take up to 90 days to resolve, if at all. After being given the runaround for weeks with Money Network I did my own investigation and realized that this happens a LOT with Money Network and other customers just like me on this matter. 

There is no way to escalate it within their company. There is no way to speak with the dispute department and the customer service can barely read the script that they are provided to brush customers under the rug. I need this money as it is my only source of income and I have fallen behind on bills 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/2024 my credit builder account was closed relating to the company XXXX. 
XXXX was quietly sold to XXXXXXXX XXXX XXXX and this.is where it goes to XXXX. 

They disabled the login page from the original Website. The website would allow a person to manually close and cash out their account. Once XXXX was sold this option no longer existed. It's like they were basically holding my funds hostage. 


I reached out about my remaining funds to support and they sent me an email. 
I've provided a screenshot of the email. The email states they already deposited the funds from my closed account. They didn't refund anything into my account. I've repeatedly told them to return my stolen XXXX . They keep brushing me off saying they already did. They sent me XXXX cents which is impossible because savings increments are made in XXXX and {$20.00}. How would I even have XXXX? I made deposits of XXXX $ for five months then stopped. That's a total of XXXX $ not XXXX cents. 

I've provided copies of my bank statements so you can verify there isn't a XXXX $ deposit from XXXX The only deposit you will see is some XXXX XXXX CENTS. 

Feel free to request my account records from XXXX or whatever it is now Thank you for your time in reviewing my case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
XXXX XXXX XXXX 120 days late. 
{$2700.00} past due XX/XX/XXXX. 
The past due payments, and amount reporting as late are both incorrect. 


2. Department of EducationXXXX is listed on my credit report four times with the same account number and different information that don't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 
XXXXXXXX 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  Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Erroneous Late Payment Information XXXX XXXX XXXXXX/XX/XXXX ( 60 days late ) Charge off amount XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account : XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-09-25 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief