vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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:
Account Current XXXX XXXX XXXX has reported Positive Activity : Account Current. 

XX/XX/XXXX Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. 
Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Status : ACCOUNT CURRENT Balance : {$8100.00} now Confirmation of Payment Request Received Payment Amount : {$930.00}, including service fee of {$5.00} Payment Date : XXXX XXXX, XXXX XXXXXXXX XXXX Payment Status : Approved Thank you. 

XXXX XXXX. 

XXXX PAID FOR THIS PreContract scam, THEY SAY THAT PART IS NOT COVERED. I specifically ask what is covered, when mechanic speaks with them, its not Covered like evert part, including the one they specifically told me was covered XXXX or XXXX  Vehicle OPTIONS : 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  Full-TermDEDUCTIBLE {$100.00} {$0.00} CONTRACT PURCHASE DATE XX/XX/XXXX CONTRACT PUR PRICE : {$1600.00} SO NOT ONLY did. XXXX get a monthly premium of approximately {$350.00} but I was required to pay each month {$440.00} for the XXXX coverage. This XXXX  coverage was in lieu of force-placing collateral-protection insurance and had been represented as a product where XXXX would pay for XXXX cost of covered repairs and, in the event of a total vehicle loss, cancel the borrowers debt. 

Instead, They gave the run around XXXX after roughly XXXX months at the collision repair shop, I was asked to get the car towed somewhere else Or pay storage fee, they tried but storage fees will be required car has been there nearly 6 months and XXXX was unprofessional and so i got car towed to mechanic shop. And thats when I realized i got cheated out of My pre contract add-on And immediately after leaving collision repair shop, its was reported Repossession, my Last payment of {$920.00} On XX/XX/XXXX Balance as of XX/XX/XXXX {$7400.00} Now I owe according to XXXX nearly XXXX dollars. I also will have to file a motion to reverse default judgement, I was completely unaware I was being sued, and still My credit continues to plummet because XXXX keeps reporting late payments to credit bureau with inaccurate dates for my payments and Amounts, and every time I Dispute they just keep winning and nothing happens rightfully on my End because here goes more interest fee And lates fees hiking The. Past due after the car was sold and wrote of a few time

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 2024-12-15 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: NJ

Complaint narrative:
This company is reporting inaccurate information on my credit report. I have never missed a payment on XXXX account number XXXX. I request a full and detailed investigation into these discrepancies and please provide evidence such as statements of late payments. If no evidence can be provided, I asked that my credit report be updated to reflect the true status of on line payments.

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 2024-12-15 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: TX

Complaint narrative:
XXXX XXXX  is reporting charge offs and written off on my credit report according to Experian. For that to happen I should have received a 1099C. I am requesting a copy of the 1099c filed by this company. Technically Experian is reporting fraudulent information. And the law insures that all my information should be accurate.

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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CrossCheck, Inc.
State: AZ

Complaint narrative:
Ive been getting countless calls from cross check saying that I will be served with papers and that they will show up to my work. I called to verify the debt and see how it could be resolved and they were never able to verify it. They kept asking me personal questions instead of answering mine. I asked for an email laying out what my debt is and what I can do to resolve it, never received it. They said theyve sent it to my address is physical form AND email but I havent received anything. After every call they say theyll get everything to me right away to verify the debt but then directly after the call they start calling me again saying they are going to serve me and show up to my work without sending me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: CT

Complaint narrative:
Upon reviewing my credit report, I noticed some instances as to where it is reported wrong and a handful of late payments. The Credit reporting agencies should be going thoroughly with the most accurate information before the credit is publish. For this student loan i have never missed a payment for. I have proof that on an account that is linked to it, my credit report shows that I have never missed a payment for. I request a more thorough investigation as to why this is being reported on my credit report inaccurately, such statements, showing the late payments. If there is some reason this proof can not be given, I request these late payments be removed and updated on my credit report as I have been consistent with all of my payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Violation of 15 USC 1681 - Accuracy of Reporting by Experian Dear XXXX, I am writing to formally report a clear violation of the Fair Credit Reporting Act, specifically 15 USC 1681, concerning the accuracy of reporting by Experian. 

I had a credit card account with XXXX XXXX XXXX  for over one year, which had a positive impact on my creditworthiness. However, I recently discovered that this account has been deleted from my credit report without any prior notice or justification. As per the regulations, a reporting agency is prohibited from removing a verified account from a credit report. 

I have attached my credit report from XXXX for your review. Please take note of the open and closed dates associated with this account. The deletion of this account is not only unjust but also detrimental to my credit score and overall financial health.

I kindly request that you investigate this matter and take appropriate actions against Experian for this violation.

Thank you for your attention to this important 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 explanation
Consumer complaint received 2024-12-15 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: PA

Complaint narrative:
SEE ATTACHED FOR UNAUTHORIZED CREDIT INQUIRIES FROM XXXX XXXX  XXXX  ON XX/XX/year>2023 AND XXXX2023****

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX ( XXXX ) XXXX This number calls me almost every single day, twice a day. Starting XXXX I receive a call. I never get left a voicemail. When I have picked up in the past there has been static. One day I picked up and a robocall for Citibank was announced and I hung up.

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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I tried to access my chime account and it said I could not sign in because it was closed. I called customer support and was told it was closed for inactivity but no one ever contacted me. My checking account previously had {$100.00} that noted that {$100.00} was withdrawn as adjustment ( not noted as a transaction ). My savings account still had the same amount of XXXX $ in it. 

I said I wanted to close my accounts and have my money returned to me. I was told they were closed and I have 5 business days to withdrawal the money from an ATM. I was also told I can not transfer the funds to another bank and I will need to request my & XXXX with the state as unclaimed property. I have searched with the states website and there is no unclaimed property for me and chime never attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I never had a loan with this company they have stolen my identity and reporting negatively on credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX : {$1700.00} KIKOFF XXXX Balance : {$60.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance {$350.00} XXXXXXXX XXXX Inquiry : 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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
THE CREDIT BUREAU STATED THAT THEY VERIFIED MY BANKRUPTCY BUT THE BANKRUPTCY COURTS SAID THAT THEY DO NOT REPORT OR FURNISH INFORMATION TO ANY CONSUMER 'S REPORTING AGENCIES. THE ARE ALSO NOT RESPONSIBLE FOR VERIFYING OR VALIDATING INFORMATION IN CONSUMERS CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
THE CREDIT BUREAU STATED THAT THEY VERIFIED MY BANKRUPTCY BUT THE BANKRUPTCY COURTS SAID THAT THEY DO NOT REPORT OR FURNISH INFORMATION TO ANY CONSUMER 'S REPORTING AGENCIES. THE ARE ALSO NOT RESPONSIBLE FOR VERIFYING OR VALIDATING INFORMATION IN CONSUMERS CREDIT 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
Consumer complaint received 2024-12-15 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: NY

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Overcharged by wells Fargo for payday loans and extra bank account fees also had student loans through government which affected my credit rating due to being unable to payback.

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 2024-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is charging me {$460.00} for an account with XXXX XXXX XXXX. XXXX XXXX XXXX is an utility company in XXXX  for electricity. I live in XXXX  and use XXXX. I've never been to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account was closed in 2017 and they have not removed this account. It was paid in full and after several disputes they are not reporting accurately. I would like them to delete this account and a full history sent to me, as previously requested. This account was over 9 years ago and their company is reporting falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect name, address and my employer should be corrected to reflect the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, an inquiry made by XXXX XXXXXXXX on XX/XX/year> was not authorized by 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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: GA

Complaint narrative:
Dear Elan Financial Services Compliance Department, Account # : XXXX This complaint serves as a formal notice of dispute regarding the inaccurate and unlawful reporting of a late payment on my credit report for the above-referenced open-end credit account. Your reporting directly violates federal consumer laws, including : 1. 15 U.S. Code 1666b Timing of Payments, under the Truth in Lending Act ( TILA ).

2. 15 U.S. Code 1681s-2 ( a ) Accuracy of information furnished to Consumer Reporting Agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ).

3. 15 U.S. Code 1681c ( a ) Prohibition of reporting transactions or experiences that are excluded by law from my credit 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
Consumer complaint received 2024-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a {$50.00} American Express gift card as a gift. I have tried numerous times to use it at multiple retailers ( XXXX, XXXX, XXXX XXXX ), but it has been declined. I confirmed on the Amexgiftcard.com/balance website and there is a balance. 

Additionally, every time I tried to use the card, each retailer took XXXX cents off the balance while still declining my ability to use it. 


XX/XX/year> @ XXXX - XXXX XXXX- declined XX/XX/year> @ XXXX - XXXX- XXXX XX/XX/year> @ XXXX - XXXX- declined XX/XX/year> @ XXXX - XXXX- declined

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report as provided by your agency, in accordance with my rights under the Fair Reporting Credit Act. ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that credit reporting agencies take reasonable measures to ensure accuracy if information included in consumer reports.

After reviewing my recent credit report, I have identified the following inaccuracies that i believe were reported in error : These inaccuracies have negatively impacted my credit score, being inaccurate. As 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain accurate reports, I respectfully request the immediate deletion of this information ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 60 days late INACCURACY : Balance owed ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 120 days late INACCURACY : Balance owed

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report as provided by your agency, in accordance with my rights under the Fair Reporting Credit Act. ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that credit reporting agencies take reasonable measures to ensure accuracy if information included in consumer reports.

After reviewing my recent credit report, I have identified the following inaccuracies that i believe were reported in error : These inaccuracies have negatively impacted my credit score, being inaccurate. As 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain accurate reports, I respectfully request the immediate deletion of this information ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 60 days late INACCURACY : Balance owed ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 120 days late INACCURACY : Balance owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report as provided by your agency, in accordance with my rights under the Fair Reporting Credit Act. ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that credit reporting agencies take reasonable measures to ensure accuracy if information included in consumer reports.

After reviewing my recent credit report, I have identified the following inaccuracies that i believe were reported in error : These inaccuracies have negatively impacted my credit score, being inaccurate. As 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain accurate reports, I respectfully request the immediate deletion of this information ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 60 days late INACCURACY : Balance owed ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 120 days late INACCURACY : Balance owed

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
THE CREDIT BUREAU STATED THAT THEY VERIFIED MY BANKRUPTCY BUT THE BANKRUPTCY COURTS SAID THAT THEY DO NOT REPORT OR FURNISH INFORMATION TO ANY CONSUMER 'S REPORTING AGENCIES. THE ARE ALSO NOT RESPONSIBLE FOR VERIFYING OR VALIDATING INFORMATION IN CONSUMERS CREDIT 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 non-monetary relief