vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
In XX/XX/XXXX I defaulted on my car loan with XXXX. My payment for XXXX XXXX XXXX is {$630.00}. In XX/XX/XXXX I contacted XXXX and was given an arrangement to place my account back on track. I agreed to pay {$1800.00} to bring it current and resume my monthly payments of {$630.00} on XX/XX/XXXX. I made both XXXX and XXXX payments. In XX/XX/XXXX, I attempted to make my payment over the phone but the office was closed. Considering the delicate nature of the account and the prior issues, i decided not to process my payment using the automated system. i called the next day to process my payment with a live agent. The agent stated my original arrangement had defaulted because i was one day late on the payment. The agent stated I would have to pay {$1200.00} that day and my car was placed into repossession status. I asked for the delinquent balance and was told it was {$3500.00}. It was explained that balance was retroactive from the XX/XX/XXXX balance. Additionally, XXXX has placed my account in a charge off status although i am actively paying on it. This derogatory status has caused unfavorable decisions from otherwise promising credit opportunities.

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 2024-07-29 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: NY

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 2024-07-29 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK
State: CO

Complaint narrative:
I have been an account holder with FirstBank XXXX  ( XXXX ) for several years. 
Today I received an account change letter. I believe this new change is designed to punch down at poor people, with an outrageous charge directed at people who have less than {$500.00} in liquid cash or {$5000.00} in assets. I believe this is a violation of the terms of the account I originally opened about XXXX  years ago. I also feel like this is targeted discrimination at poor people ; a {$12.00} punishment to someone who has less than {$500.00} is far more painful than a similar charge to someone with higher income. 

I will be closing my account regardless, but this demands regulatory overview. 


-- -- -- -- -- -- - FirstBank is making changes to your XXXX Account. Starting XX/XX/year>2024, you may be subject to a XXXX Account XXXX XXXX. Your accounts affected by this change are : What this means for you : No debit card fee : The {$10.00} FirstBank XXXX XXXX XXXX XXXX has been eliminated. You will no longer pay an annual card fee per cardholder for this account. 
No XXXX XXXX XXXX  Fee if requirements are met : There will be no XXXX XXXX XXXX  Fee when you meet XXXX of the below requirements. The XXXX Account XXXX XXXX will be waived if at least XXXX account party is under the age of XXXX, however, the fee will no longer be waived once all account parties reach the age of XXXX. Other ways to waive the XXXX XXXX  XXXX  Fee include : Receive at least {$500.00} per statement cycle in qualifying direct deposits OR Maintain a minimum daily starting balance of $ XXXX OR Maintain a combined average monthly balance across personal accounts of {$5000.00} A XXXX XXXX XXXX XXXX XXXX Fee if none of the above requirements are met : If you're unable to meet any of the previously mentioned requirements, the account is subject to a XXXX XXXX XXXX XXXX XXXX  Fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: DISCOVER BANK
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute letters regarding the erroneous negative items on my credit report. Despite my earlier complaints, these inaccurate entries continue to persist, causing me great concern and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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 am writing to follow up on my previous dispute letters regarding the erroneous negative items on my credit report. Despite my earlier complaints, these inaccurate entries continue to persist, causing me great concern and frustration.

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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a government travel card with Citi as a military member. The account was closed over 10 years ago. However, the military requires me to maintain the XXXX account. Every few years I try to get the account reinstated because of training or military missions but I get nothing but back and forth and the run around from CITI. Most recently I called CITI three times only to be on hold for an hour each time and to be given different directions each time. They return my hard copy or email application for corrections, but I make corrections and then resubmit. Then they claim they have changed the process. Sometimes I am told I have to apply for a new card, which I do then it gets declined because I can not apply for a new card, I am told I must apply for reinstatement. However, I get the run around with the reinstatement and how to correctly get this process done which takes weeks to a month to get a reply from CITI. CITI often makes me defer to my unit administration who runs the program from the military side but then they do not know the answers either. This is potential affecting my career at this point or else I would continue without the card. However, the military has relied too much on this program and it is ineffective. CITI makes XXXX XXXX XXXX  on this government contract, but they can not effectively run the program. Soldiers are left on hold for hours with terrible service and poor guidance from CITI. The government needs to take this contact away from CITI bank ASAP.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Dispute of Reinserted Information and Removal of Incorrect Information To Whom It May Concern, I am writing to dispute the reinsertion of information that was previously deleted from my credit report. The information in question was deleted as a result of a dispute I filed, but has now been reinserted without proper certification of its accuracy and completeness.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), any information that has been deleted from a credit report can not be reinserted unless the information provider certifies its accuracy and completeness. Furthermore, the credit reporting agency must notify me within five business days of the reinsertion, providing the name, address, and phone number of the information provider. 

Please provide me with : The name, address, and phone number of the information provider that certified the accuracy and completeness of the reinserted information. 
A description of the procedure used to determine the accuracy and completeness of the information. 
A free copy of my credit report reflecting the reinserted information. 
Additionally, I request that you conduct a reinvestigation of the reinserted information to ensure its accuracy and completeness. Please provide me with the results of the reinvestigation once it is completed. 

Furthermore, I have requested on numerous occasions for the removal of incorrect personal information from my credit report. This includes : Incorrect names Incorrect employer information Incorrect phone number Despite my previous requests, these inaccuracies remain on my credit report. Please correct these errors and provide confirmation once they have been addressed. 

Thank you for your prompt attention to these matters. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NV

Complaint narrative:
Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute letters regarding the erroneous negative items on my credit report. Despite my earlier complaints, these inaccurate entries continue to persist, causing me great concern and frustration.

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 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by silkionpor.com which involved me making deposits for a total amount of XXXX USD from my USAA account to fraudulent investment firm ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NY

Complaint narrative:
Equifax has requested me to send my personal information ( SSN, driver 's license, address evidenced by a bank account statement that contains further personal information ) in an effort to confirm my information is correct. I have sent once in XX/XX/XXXX and the problem was not fixed. Equifax said they received the information in XXXX but failed to explain why the account was not fixed so that lenders can access credit reports. Sent twice again - once in XX/XX/XXXX and second time in XX/XX/XXXX. Equifax said they did not receive either. However, the second XXXX mailing is evidenced by a receipt where an Equifax employee signed for the overnight package. This package contained a copy of my XXXX as well as address information. I have again today overnighted and sent by regular mail as I need to get the situation resolved so my bank can access the credit report. 

I am concerned that my personal information has been either lost or stolen by Equifax. They have inadequate processes to guard personal information, which they insist must be sent to a XXXX XXXX XXXX No email or fax is acceptable. Yet, their process has resulted in my personal information being lost or stolen. Again, I have evidence of delivery from the USPS. This is urgent and on the same level as a data breach- in this case personal information was misplaced or stolen while in the physical care of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed a complaint with cfpb XX/XX/XXXX, Citibank was notified and a temp credit was applied to the credit card pending review. After multiple calls and multiple bills, the credit has been removed and they are charging me for the transaction along with late fees. I did everything I could do starting from the immediate notification to Citibank on XX/XX/XXXX reporting the fraudulent transaction. I did not authorize the charge, I did not make the charge, i called Citibank multiple times and they dont seem to care that I immediately called to report the fraudulent charge when I was notified of the transaction while in XXXX XXXX insisting I am responsible. Please help 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 non-monetary relief
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
Called XX/XX/year> to dispute the hard inquiries on my account. I never authorized these inquiries and they will not remove them from my account. They said to contact the FTC and the website directs me to CFPB. 

Please assist in removing several hard inquiries that are affecting my ability to buy a house. 

I need to update my address to ONLY show the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All other information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hunting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation