vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: AZ

Complaint narrative:
I am writing to report Experian for continuing to allow false reporting of information from companies that are operating under : - Fraud ( 18 U.S.C. 1341 ) - Coercion ( 18 U.S.C. 875 ) - Unlawful conversion ( CCC 956, CCC sec 9314, CCC 1717, 1788 ) - Involuntary servitude ( 18 U.S.C. 1584 ) - Unjust enrichment ( CCC 2223, 3543 ) There have been several requests for removal of accounts found to be fraudulent, the last request being mailed and accepted via certified mail ( XX/XX/year> ) which has still not resulted in permanent removal of accounts, but a verification process yet again. Experian has failed to properly ( within 15 days ) remove the information reported by these companies, allowing false and damaging information to continue to be included in the credit report which has caused significant financial harm and distress. 

Furthermore, Experian 's involvement with these companies seems to constitute a form of organized crime and credit sabotage, forcing financial hardships and peonage. Notably, because a written affidavit advising of rescinded contracts ( for fraud, breach of contract, and misrepresentation ) was mailed AND accepted by Experian on XX/XX/year>, by XXXX XXXX via certified mail. By continuing to facilitate false reporting after notification via affidavit, Experian is complicit in the exploitation, sabotage, and manipulation of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: VA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: VA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: NC

Complaint narrative:
I've contacted all XXXX Credit Bureaus in regards to reporting inaccurate information on my credit report. I've called each company as well as sent letters certified mail. The account with XXXX was previously removed from my profile after being ( investigated and deemed unverifiable. This account being furnished to my profile is in violation of multiple FCRA laws. 
XXXX. This account was deleted from my profile. I was not notified within XXXX business days nor in writing why or that this account would be refurnished to my profile which is in violation of 15 USC 1681 S-2 ( XXXX ) A. 
XXXX. This account is in violation of reporting transactions specifically in the form of late payments which are to be excluded from my consumer report, which is in violation of 15 USC 1618A ( i ) a. 
XXXX. This account was closed and transferred to another lender but still updating and reporting inaccurate information which is in violation of 15 USC 1681 ( XXXX ) B This account has multiple violations and if not resolved I will be seeking litigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: NC

Complaint narrative:
I've contacted all XXXX Credit Bureaus in regards to reporting inaccurate information on my credit report. I've called each company as well as sent letters certified mail. The account with XXXX was previously removed from my profile after being ( investigated and deemed unverifiable. This account being furnished to my profile is in violation of multiple FCRA laws. 
XXXX. This account was deleted from my profile. I was not notified within XXXX business days nor in writing why or that this account would be refurnished to my profile which is in violation of 15 USC 1681 S-2 ( 6 ) A. 
XXXX. This account is in violation of reporting transactions specifically in the form of late payments which are to be excluded from my consumer report, which is in violation of 15 USC 1618A ( i ) a. 
XXXX. This account was closed and transferred to another lender but still updating and reporting inaccurate information which is in violation of 15 USC 1681 ( E ) B This account has multiple violations and if not resolved I will be seeking litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This company has charged off and written off the car loan and still is reports past due balance on my credit report. This incorrect information has affected my credit report/score tremendously and I would like it resolved immediately. If the loan was charged off/written off it should not be reporting a past due balance on my account that is illegal. The company should send me a 1099c form which they never did and is refusing to do so. I have attempted to make contact with the company numerous of times and they have hung up on me and given me false phone numbers over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: NV

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Incorrect Funds where transferred to my checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I ordered a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX in XXXXXXXX TN ON  XX/XX/year>. I did this with my Citizen credit card. I got an alert from Citizens fraud department to call them about the XXXX charge. They asked me did I purchase something for this amount. I said yes is there a problem with this seller. They said no just confirming the amount. I asked the seller for the tracking # and shipping company XXXX  days later no response. Then he replied that he had to go to the hospital for XXXX and would send me the tracking number. Another XXXX days went by no tracking number. I emailed him XXXX more times before contacting Citizens. I told Citizens the problem and there said they would investigate it. Weeks went by no call or letter from Citizen so I called them again and sent emails to there disputes department but emails were sent back and no received. I called them again and they said I cant call the fraud department they must call me which they never did. They called me in XXXX and said they would credit me back the charge but on XXXX XX/XX/year> they said they will the me the again because the seller showed them proof of shipping. I said please send it to me because the seller never gave me a tracking number and you have not given me any proof of shipping and delivery. Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: NC

Complaint narrative:
I've contacted all 3 Credit Bureaus in regards to reporting inaccurate information on my credit report. I've called each company as well as sent letters certified mail. The account with XXXX  was previously removed from my profile after being ( investigated and deemed unverifiable. This account being furnished to my profile is in violation of multiple FCRA laws. 
1. This account was deleted from my profile. I was not notified within 5 business days nor in writing why or that this account would be refurnished to my profile which is in violation of 15 USC 1681 S-2 ( 6 ) A.

2. This account is in violation of reporting transactions specifically in the form of late payments which are to be excluded from my consumer report, which is in violation of 15 USC 1618A ( i ) a.

3. This account was closed and transferred to another lender but still updating and reporting inaccurate information which is in violation of 15 USC 1681 ( E ) B This account has multiple violations and if not resolved I will be seeking litigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: GA

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 non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Citi about the interest rate level on my XXXX credit cards with them. They are at XXXX  %. This is an unethical interest rate especially in the current economic environment. They are not the only ones taking this action and I feel it is gouging the consumer and no one is attempting to do anything about it. I pay my bills on time and always pay more than the minimum amount. I just recently paid off these cards too, convenience of use with credit cards is the way our culture operates, gouging with an interest rate and other practices to keep people entrenched in credit card debt is just wrong. 

I contacted the bank and asked for an interest rate reduction. They looked into " alternate offers '' and stated that I was at the lowest interest rate being offered at this time. If rates are even higher than mine, then there is a serious problem with these banks. At what point will there be an investigation and recourse against this practice from the regulating agencies or the Federal Government? No one can possibly think this is acceptable. 

In the fine print are all the details of the account. You know the average consumer doesn't read and continuing to use the card locks in new terms. That is also a problem. We are knowingly pulled into these rates through marketing campaigns and enticements of balance transfers, points etc... 

The bank refused to take any action. I advised them that I would be filing a complaint.

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