vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After carefully reviewing my latest credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
I got a loan to pay off my credit card. The loan company mailed a check to Discover Card to pay off the balance of under {$500.00}. Discover posted the payment to the account on XX/XX/year> but never updated the balance on my card. When I called, they said they had put an 8 day hold on the payment and they couldn't release it because the check came from the loan company and not me. This hold is insane when Discover deposits this check to the bank the bank can't place a hold of 8 days on all of it. Per REG CC guidelines Delaying Funds Availability For certain types of deposits, Regulation CC permits financial institutions to delay, for a " reasonable period of time, '' the availability of funds. A " reasonable '' time period is generally defined as one additional business day ( making a total of two business days ) for on-us checks, and five additional business days ( total of seven ) for local checks ; your institution may impose longer exception holds, but you may have the burden of proving that they are " reasonable. '' The six types of deposits that are eligible are 1. Large Deposit {$5500.00} - does not apply to this payment 2. Redeposited checks- does not apply to this payment 3. Repeated overdrawn - only applies if Discover constantly overdraws their account.

4. Reasonable cause to doubt the collectability. - does not apply to this payment 5. Emergency conditions- does not apply to this payment 6. New Customer - only applies if Discover opened a new bank account to deposit this payment into. 

So, by law the bank Discover deposited this payment to is required to make the fund available to them within 2 business days. They are holding this payment for under {$500.00} 8 business days which is beyond anything the bank could do for a deposit less than {$5500.00}. Imagine going to a grocery store to buy groceries paying with a check and being told you can come pick up your groceries in 8 business days because we are putting an arbitrary hold on your payment. 

Discover Card should use more common sense when processing payments instead of irrational policies. This check came from a credible company. It is for a small amount. They should apply the same reasonability test that banks use when they place holds on checks. 

The law should be changed to cover credit card companies also, so they are required to make funds available in reasonable time periods.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have attached my FTC report with all fradulent accounts. I have not checked my credit in several years and when I did so I seen there were numerous collections and hard inquiries that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XX/XX/year>, I ordered an item from a merchant called XXXX home with my American Express card by electronic means followed up by an in store visit. Several weeks later this merchant delivered the item. However, the item I received was not the correct item that I saw online, in store, or otherwise and therefore immediately refused delivery. The delivery team refused to take item. I immediately contacted the merchant during the delivery who totally ignored my texts, calls and emails. So I then filed a dispute with American Express. 

With no consideration for what I submitted into evidence not receiving the actual item I ordered and that the merchant was refusing to work with me directly regarding my issue they ruled in favor of the merchant. American Express failed to protect my purchase from the fraudulent and deceptive actions of said merchant. They allowed this merchant to provide me with merchandise other than what i ordered and failed to properly investigate this matter or review any evidence I submitted to them, and relied solely on the response of the merchant who response was completely false, misleading and disingenuous. In the 5 months of trying to have this matter properly investigated by American Express I discovered there is a huge disconnect between the back office dispute team that makes decisions and the agents who do the intake. The back office team does not review all of the notes or evidence provided by the card member, which is clearly evidence by their response. 

The failure of the back office team ( who is inaccessible to speak to card members ) to review evidence submitted by card member consequently operates at the disadvantage of card members and results in failure to properly and fully investigate disputes and allows for XXXX  and fraud. As a result I am requesting you review and investigate his American reviews disputes particularly when a dispute is reopened and additional information is submitted. It is my understanding and experience that once a dispute is closed the first time additional information is overlooked, disregarded and not be reviewed and disputes are summarily dismissed. 

Therefore American Express must be held accountable and reverse this charge of {$820.00} given they failed to protect my purchase from fraud.

Company response to consumer: Closed with 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The accounts I am disputing present significant issues and require a thorough reinvestigation. By law, it is your responsibility to reexamine disputes submitted by consumers. The furnisher has failed to provide proof of the accuracy of the reported account. Given the lack of investigation by the collector, this account should be removed 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The accounts I am disputing present significant issues and require a thorough reinvestigation. By law, it is your responsibility to reexamine disputes submitted by consumers. The furnisher has failed to provide proof of the accuracy of the reported account. Given the lack of investigation by the collector, this account should be removed 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 2024-09-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XX/XX/year> the account does not belong to be and it continues to hurt me in life can you all remove it

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This account was charged on the following date : XX/XX/year> Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX XXXX {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 to be removed/updated.

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.

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!

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
In XX/XX/year>, my home was burglarized, and XXXX cars, along with all my credit cards, were stolen. My son, XXXX XXXX, who is also the owner of the home, had been making payments on my Uplift on my behalf. After the robbery, the thieves used my stolen cards to make unauthorized charges, leading us to fight these fraudulent transactions. Additionally, our identification cards were stolen, further complicating the matter. 

The fraudulent charges resulted in insufficient funds in the bank account linked to the credit card payments, leading to late payments. However, after the fraudulent transactions were identified, I took immediate steps to resolve the situation and made payments to bring the accounts current. 

Despite this, XXXX reported me as late in XX/XX/year>, and both XXXX and XXXX reported me as late in XX/XX/year>. I have attached a screenshot of my credit report showing these late payments, as well as a copy of the police report filed with the XXXX XXXX Police Department for reference. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of information on consumer credit reports. Reporting late payments as a result of fraudulent activity, particularly after the matter has been resolved, is a violation of Section 605B of the FCRA, which deals with the handling of identity theft. These late payments should not be reflected on my credit report as they were a direct result of being a victim of a robbery and identity theft. 

As a victim of fraud, I should not be penalized, and these inaccuracies should be corrected immediately. I am requesting that the reported late payments in XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX and XXXX ) be removed from my credit report. 

Please review the documentation provided and take corrective action as required under the FCRA.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ** Formal Complaint Regarding Inaccurate Reporting by Experian XXXX XXXX Charge-Off To Whom It May Concern, I am filing this formal complaint concerning the inaccurate reporting of a XXXX XXXX charge-off account on my credit report with Experian. This account has already been deleted from my XXXX credit report after a successful investigation, yet it remains on my Experian file. 

Here are the details of the account : - **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX Number : ** XXXX - **Status on XXXX : ** Deleted as of XX/XX/year> ( see attached documentation ) I respectfully request that this same account be deleted from my Experian credit report as well. Since XXXX has already confirmed that the account is inaccurate, I am asking for Experian to follow suit and remove this account promptly to ensure the accuracy of my credit file. 

Please confirm receipt of this complaint and notify me of the actions taken within the legally required time frame. I trust that the Consumer Financial Protection Bureau will ensure this matter is resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief