vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting a complaint about a derogatory account from XXXX Card reported by XXXX and Equifax. This account, listed as a closed charge-off with a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX Card Account Number : XXXX Balance Owed : {$1100.00} Status : Closed / Collection/Charge-off Summary of Issue : I have no knowledge of any business relationship or account with XXXX Card and am therefore not liable for this debt. I am unaware of how this account was established, and I have received no validation or proof of my responsibility for this balance. Despite this, both XXXX and Equifax continue to report this account on my credit report. 

Requested Resolution : To resolve this issue, I am requesting : 1. The immediate removal of this unverified account from both my XXXX and Equifax credit reports, as I am not liable for this debt. 
2. Assurance that XXXX XXXX and all reporting agencies will cease future reporting of this debt on my credit profile. 

Thank you for your attention and assistance in addressing this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting a complaint about a derogatory account from XXXX Card reported by Experian and XXXX. This account, listed as a closed charge-off with a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX Card Account Number : XXXX Balance Owed : {$1100.00} Status : Closed / Collection/Charge-off Summary of Issue : I have no knowledge of any business relationship or account with XXXX Card and am therefore not liable for this debt. I am unaware of how this account was established, and I have received no validation or proof of my responsibility for this balance. Despite this, both Experian and XXXX continue to report this account on my credit report. 

Requested Resolution : To resolve this issue, I am requesting : 1. The immediate removal of this unverified account from both my Experian and XXXX credit reports, as I am not liable for this debt. 
2. Assurance that XXXX XXXX and all reporting agencies will cease future reporting of this debt on my credit profile. 

Thank you for your attention and assistance in addressing this matter. 
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 explanation
Consumer complaint received 2024-10-29 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-10-29 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Urgent Demand for immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have Never missed a payment on the following account : XXXX XXXX XXXXXXXX. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED TO provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these late payments be corrected to reflect their accurate and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I sold my house. BofA held a lien with a HELOC loan. My closing attorney requested the payoff and received what was described as a FULL payoff amount using words like total. They even showed how they acquire this number. 
The attorney paid the full amount as required and that was the end of my communication with the bank. There were no delays or changes. The payoff letter was dated XX/XX/XXXX and the payoff check cleared XX/XX/XXXX. 
My online and mobile app said I had a XXXX XXXX balance. 

I think everything is fine. Then in XXXX, I receive a letter stating that I have to show proof of insurance because I still owe the home with the lien. This is false. I sold the home. I had multiple requests for insurance information from BofA. So it appears the lien was not released. 
It is now almost XXXX and after at least XXXX attempts of staying on hold for nearly an hour. I finally got through to someone. They said that this is the early closure fee. I asked why this was not included in the payoff and they stated thats just how it is. So I never received a bill. This amount was not in the payoff and there was never any correspondence that I owed this amount. 
Today, XX/XX/XXXX, they told me the account was still open and they had no intentions of telling me this. They told me one day I would figure it out when I saw my XXXX score because of open credit. 
So my argument is, why was I never told I owed this money and why was this not included in my payoff? If this was owed, why was I not told. The only reason I know this is because I requested another payoff XX/XX/year> and the second payoff shows the closure fee of {$450.00}. 
This begs the question if this is a second payoff then is there still a lien on the property? Either way XXXX dont feel I owe the {$450.00}. It shouldve been included in the payoff because per the truth and lending act. I am owed an accurate and honest figure.. 
This is deceptive to the consumer. Unless I checked my XXXX score I would not know it exists. This is wrong.

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 2024-10-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-29 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: NJ

Complaint narrative:
On XX/XX/year> when I checked my credit report I was unpleasantly surprised to see a drop in my credit score because of a late charge from XXXX. I was even more surprised because I am set up for auto debit from my bank account and have had this setup for many years now. I check my account monthly and the website main page showed payment processed instead of showing payment failed to process. And therefore this reporting of late payment came as a complete shock. 

Please see attached document with screenshots. That shows payment processed and payment received. I had checked on my XXXX card and it showed payment was posted so I had no reason to know that there was a problem. No emails or mails were sent out to bring any issues to my attention or else this would have been addressed long back. 

If payment was not received XXXX should have escalated this to me by sending a statement to my mail knowing that sometimes technology fails. They did not mail anything to me. 

Upon learning about this issue I have already brought my balance down to XXXX by paying over the phone I take my credit rating very seriously and am on top of all my bills which was evident in my XXXX credit score until this adverse reporting from XXXX XXXX I request you to withdraw the late report so my credit score and history are restored.

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 2024-10-29 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: NJ

Complaint narrative:
On XX/XX/year> when I checked my credit report I was unpleasantly surprised to see a drop in my credit score because of a late charge from XXXX. I was even more surprised because I am set up for auto debit from my bank account and have had this setup for many years now. I check my account monthly and the website main page showed payment processed instead of showing payment failed to process. And therefore this reporting of late payment came as a complete shock. 

Please see attached document with screenshots. That shows payment processed and payment received. I had checked on my XXXX card and it showed payment was posted so I had no reason to know that there was a problem. No emails or mails were sent out to bring any issues to my attention or else this would have been addressed long back. 

If payment was not received XXXX should have escalated this to me by sending a statement to my mail knowing that sometimes technology fails. They did not mail anything to me. 

Upon learning about this issue I have already brought my balance down to XXXX by paying over the phone I take my credit rating very seriously and am on top of all my bills which was evident in my XXXX credit score until this adverse reporting from XXXX XXXX I request you to withdraw the late report so my credit score and history are restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: NJ

Complaint narrative:
On XX/XX/year> when I checked my credit report I was unpleasantly surprised to see a drop in my credit score because of a late charge from XXXX. I was even more surprised because I am set up for auto debit from my bank account and have had this setup for many years now. I check my account monthly and the website main page showed payment processed instead of showing payment failed to process. And therefore this reporting of late payment came as a complete shock. 

Please see attached document with screenshots. That shows payment processed and payment received. I had checked on my XXXX card and it showed payment was posted so I had no reason to know that there was a problem. No emails or mails were sent out to bring any issues to my attention or else this would have been addressed long back. 

If payment was not received XXXX should have escalated this to me by sending a statement to my mail knowing that sometimes technology fails. They did not mail anything to me. 

Upon learning about this issue I have already brought my balance down to XXXX by paying over the phone I take my credit rating very seriously and am on top of all my bills which was evident in my XXXX credit score until this adverse reporting from XXXX XXXX I request you to withdraw the late report so my credit score and history are restored.

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 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
this is a collection that does not belong to me, this company has reported this debt without validating the debt, in its attempt to collect the debt Transworld never properly did its due diligence in confirming the debt was mines, i have reached out but was always met with sarcasm, mean spirited debt collectors who only mission was to assign and collect on a debt never belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have discovered an unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed to XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-10-29 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: LA

Complaint narrative:
I have discovered an unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed to XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: MN

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 2024-10-29 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: IN

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I saw a link online to open a new Citibank checking account and receive one of two bonuses : {$320.00} if I have {$3000.00} in direct deposits in 90 days, or {$450.00} if I have {$6000.00} in direct deposits in 90 days. That sounded like a good deal, so I proceeded to open the account. There was no further mention of the promotion, so I called Citibank twice the same night that I opened the account. Both times, I was told the promotion was attached. The second representative even read the description of the promotion to me! There was also a problem where the Citibank app was showing I was issued an ATM card and not a debit card, and the second representative supposedly fixed this. Today, I noticed the ATM card was still showing, so I called Citibank again. The representative today was able to see that a debit card was ordered. I also asked about the promotion. Imagine my shock when I was told not only was there no promotion attached, but that there was no way to attach it since the account was already opened. I elevated to a supervisor and was told the same thing. I believe this is unfair and needs to be reviewed, especially since I was told that the promotion was attached and the representative even read the description of the promotion to me last night. I was offered no option or alternative to get the promotion attached. I reviewed my web history and was able to trace back to where I visited the site for the promotion and then opened the account. Now, Citibank does not want to honor the promotion and is claiming it was never attached to my account and that there is no way to actually attach it. This is not right.

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 2024-10-29 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: AZ

Complaint narrative:
I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.

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 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

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