vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: TX

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 Equifax 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 XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 

Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-09-13 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:
After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.

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 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I received an email ( XXXX ) from Nordstrom 's welcoming me to their " XXXX XXXX '' which I have never applied to. I called card services the next day and they confirmed there was an application to the XXXX XXXX in my name. They cancelled the application. I specifically asked if there was also a credit card application and was told no. On XX/XX/year> I received another email from Nordstrom regarding the XXXX XXXX. I called card services and spoke with XXXX. She confirmed the club application was cancelled. I again asked if there was a credit application- she assured me there was not. On XX/XX/year> I received a letter from Nordstrom card services stating they could not issue the credit card because the credit bureau ( XXXX ) was locked. I called card services again and spoke with XXXX in IL. She confirmed there was a credit card application in my name that used my name, my address, my DOB, my phone, and my wife 's email. She said she would cancel the application. 

My biggest concern is why I was told twice that there was no application, when in fact, it was submitted on XXXX. Either card services staff does not know how to do their job or they are not honest. FYI- XXXX in IL. was very helpful. Maybe she should train the other staff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
Subject : Follow-Up on Credit Reporting Issue Request for Resolution Dear CFPB I hope this message finds you well. 

I am writing to follow up on my previous complaint regarding the incorrect charge-off entry on my credit report associated with XXXX, account number XXXX. As detailed in my earlier communication, the charge-off entry is erroneous and does not accurately reflect the status of my account. 

To recap, the key issues are as follows : XXXX. The charge-off entry is inaccurate because the account was charged off and subsequently sold to XXXX XXXX XXXX XXXX Despite this, the charge-off entry remains on my credit report. 
XXXX. The collection account associated with this account was ceased by XXXX XXXX XXXX on XX/XX/year>, and should no longer appear on my credit report. 
XXXX. I have provided supporting documentation, including records of the account sale to XXXX XXXX XXXX, cessation records, and a screenshot of the account on my Equifax Credit Report. 

As of today, the erroneous charge-off entry has not been updated or removed from my credit report. This has resulted in ongoing inaccuracies that could negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), accurate reporting is a fundamental right, and it is crucial that my credit report reflects the correct information. 

I kindly request an update on the status of this investigation and the steps being taken to resolve this issue. If additional information or documentation is needed from my end, please let me know, and I will be happy to provide it promptly. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that my credit report accurately reflects the true status of my accounts. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2024-09-13 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had already a report and complaint about Bank of America and I wanted to add new documents that might be more clear to understand this process. My Bank of America checking account has been hacked and fraud a couple months ago and I have a fraud claim case with this bank. I wanted to recompense my money which I lost cause we all entrust our money to the bank to be protect that they sent this money as temporary credit and they were said we will investigate that we will let you know. After few months I received a mail from bank we are unable to approve your recent claim!!! And they said this credit will be removed on your account on XX/XX/XXXX. They did it they removed this money on my account and I will go to Bank of America and I requested an appeal process and reopened the case after that they will sent this money on my account again end of this process they will be removed this again I knowbecause they did not approved that when everything Cristal clear. I dont trust them because they almost accused me and they have all data and information what happened the day they had to protect but they could not.. then you have to compensate that is not the way to victimize your client any IT guy in their bank can sort out this claim in XXXX century but they did not approve that what happened to me Im gon na share this mail which I received from the bank

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> TransUnion responded to a previous CFPB complaint regarding a XXXX XXXX XXXX XXXX account listed on my TransUnion credit report. TransUnion stated that the XXXX XXXX XXXX XXXX account was deleted. As of XX/XX/year> the XXXX XXXX account still remains on the TransUnion credit report. On XX/XX/XXXX I received mail from TransUnion with a updated credit report after a dispute still showing the XXXX XXXX XXXX XXXX account listed on the credit report. 
I have included the previous cfpb complaint and response from TransUnion stating that they have deleted the account. I have also included the TransUnion report that was sent to me on XX/XX/year>.

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 2024-09-13 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NH

Complaint narrative:
My current credit score does not accurately reflect my credit worthiness. On XX/XX/year> my score was XXXX. On XX/XX/XXXX Trans Union informed me they had penalized me over XXXX points because I paid off my car loan. I have had no delinquencies whatsoever in the past XXXX years. My overall utilization is under XXXX percent. Balances on bankcard or revolving accounts are not too high compared to limits. Yet Trans Union refuses to correct my score even after admitting that their paradigm had unfairly penalized me, As a result of this error, one of my banks lowered my credit line from XXXX to XXXX which will force me to repay that line of credit in order to avoid being over Trans Union 's utilization rate. Otherwise my score will be lowered further.

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 2024-09-13 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, causing significant harm to my credit file and financial well-being. 

I kindly request that you conduct a thorough investigation into each of these disputed accounts and take the necessary steps to correct and update my credit report as soon as possible. These errors are causing severe hardship in my day-to-day life, and I urge you to address this issue without further delay. 

Restoring the accuracy of my credit report is essential for me to regain control of my financial standing. Your immediate attention and cooperation in resolving this matter would be greatly appreciated. 

Thank you for your understanding and prompt assistance.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I notified CITI that I was removing and revoking any and all power of attorney CITI or their affiliates had for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as I am age of majority. This document dated XX/XX/year> which they received had XXXX witnesses and a notary which is binding. 

About 45 days later, I received a nasty form letter stating that they were closing my accounts if they hadn't already been closed. 

I called as soon as I received the nasty form letter and was told by the XXXX XXXX XXXX that my revocation of power of attorney letter was received and I would be called back in 2-3 business days by a person who could handle my case. They also informed me that my account had been sent to collections when there had not been a missed payment or late payment. No one ever called so about 10 days later on XX/XX/year>, when I had a chance to call again, I again spoke with a representative in the XXXX XXXX XXXX. They apologized and promised some one ( XXXX was assigned to my case ) would call me within 15 days. Again that time has passed and no one has called to remedy this situation. 

I called again XX/XX/year> and was eventually routed back to XXXX XXXX XXXX, and they reopened the case, reassigned to XXXX XXXX # XXXX, and now want 15 more days to investigate. I informed them that I should not have to wait another 15 days to get this resolved after waiting for them for over a month at this point. I still have not heard anything and account is still closed. 

Also, on XX/XX/year>, I register mailed ( XXXX ) a {$17000.00} payment to their indenture trustee per their indenture agreement and SEC filings. I register mailed it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The tracking shows it was received and my registered security has not been returned to me. I did not gift the security to CITI or XXXX XXXX XXXX XXXX XXXX XXXX ; therefore my security is currently in stolen status. 

Since the XX/XX/year> registered mail was received, I asked them to put this account in a conditional credit or whatever verbiage places the account into a holding status while being investigated. I should not have to pay again while you are investigating. And since then I found that the verbiage is called billing error notice. I used that term on the call on XX/XX/year> but everyone I spoke to acted like they didn't know what I was talking about and gave me the run around to billing dispute dept which was condescending and annoyed that I had been routed to them. 

On XX/XX/year>, I register mailed another letter to them trying to get all of this resolved. I included another negotiable financial instrument as payment. I have not heard anything from this letter either.

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Dispute of Credit Reporting Inaccuracy Account Discharged in Bankruptcy To Whom It May Concern, I am writing to formally dispute the reporting of my Best Buy/CBNA account, number XXXX, which is being inaccurately reported on my credit profile. This account was included in a XXXX  XXXX bankruptcy that was fully discharged on [ Date of Discharge ]. According to the legal discharge documentation, this account should be reported with a balance of {$0.00} and a status indicating " Discharged in Bankruptcy ''.

Current Details of the Disputed Account : Reported Information : No Data Required Correction : Status updated to " Discharged in Bankruptcy '' Under the Fair Credit Reporting Act ( FCRA ), I request that CBNA conduct a thorough review and correct the reporting of this account to accurately reflect its status as discharged in my bankruptcy. Attached are copies of the bankruptcy discharge papers and the court decree, which verify the discharge of this debt. 

Please update the status of this account in your records accordingly and inform all credit reporting agencies of this correction to ensure that my credit report is accurate and up-to-date. 

I would appreciate a written confirmation of this letter 's receipt and expect to be updated on the progress of your investigation. Additionally, I request an updated copy of my credit report upon the resolution of this dispute to verify the applied corrections. 

Thank you for your prompt attention to this matter. Please feel free to contact me at the provided contact details should you need any more information or further documentation. 

Sincerely,

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