vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: KY

Complaint narrative:
I have recently discovered unauthorized information on my consumer report resulting from identity theft. I never provided written permission or instructions for the identified transactions to be reported. This is a clear violation of my rights, and I demand that you BLOCK and DELETE this information without delay. 

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 XXXXXXXX I don't understand how this account is reporting several different amounts of money owed from XXXX XXXX with the account numbers reporting in different ways this is blatantly absurd and I'm disappointed because its plain and clear these companies are not doing their jobs 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 Pursuant to 18 USC 8 , I owe these companies no debt, this is violating my consumer rights to privacy to 15 USC 1681 b 2 companies has also no permission to report anything using my information pursuant to 15 USC 1681 4.

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 2024-06-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In the year XXXX, my husband and I submitted our taxes and we received a notice on XX/XX/XXXX that we had a cancellation of debt from Citibank, NA that was for the amount of {$18000.00}.

I had sent back the forms to the IRS stating we did not agree with the changes made. Due to covid it was incredibly difficult to contact anyone at the IRS at that time and took much longer to get information. We attempted to contact Citibank multiple times regarding the debt and were told the account didn't exist. We continued to receive notifications regarding this debt and I signed a form ( XXXX ) for the IRS ( an Operations XXXX XXXX ) to look into the debt on XX/XX/XXXX. 
We began getting letters again stating the amount was due and I spoke to a person who said that the IRS found the account to be valid. I stated I wanted proof of the account, as Citibank stated there was no account and a social security number must've been typed in wrong. I was told it would be sent to me and no such proof was ever sent. Many months passed, and I received a notice again on XX/XX/XXXX. I spoke to a woman at the IRS on this date, that I never received proof, and she stated yes it wasn't a valid account, it would now be resolved. The letters were a mistake. On XX/XX/XXXX I received a notice in the mail stating our accounts could possibly be seized over this debt. I spoke to a lady about this and she placed our accounts on hold due to the inconsistencies and to obtain proof of the account not existing, as I had contacted Citibank repeatedly, again, and they continued to state they did not have any record of the account. She stated I would need to send in a letter from Citibank stating the account did not exist and to send it to XXXX reconsideration. They extended the pause on the account until XX/XX/XXXX. I could not have Citibank send the letter to the IRS but had to have it sent to me and then send it on to the IRS.

I contacted Citbank, went through everything with them again and they stated the only way I could get a letter was to send a fax to Consumer Credit Investigations with our IRS report, licenses, a note regarding what was happening with the account, and our mailing address to send the results of the investigation. They stated it would take at least 30 days to receive any result I sent the fax on XX/XX/XXXX and printed out the receipt. Nothing came back after months, so I called Citbank again and they would do nothing more, even after asking for a supervisor. They said to send out another request via fax. I did so on XX/XX/XXXX. It is now XX/XX/XXXX and the short term pause is over, the IRS has sent another demand for the money and I have received no response from Citbank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NY

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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 account with XXXX XXXX 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 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 on my account to be removed.

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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
My account with XXXX XXXX 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 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 on my account to be removed.

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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXX Victoria secret, and XXXX have been reporting late payment to the credit bureau. 
In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN HAS REQUEST MY SSN, MY LEASE TO XXXX XXXX XXXX XXXXXXXX ADDRESS I STAY AND MY SSN WHICH I B EEN PROVDING THEM THEY KEEP ASKING ME FOR THE SAME THING FOR 4 MONTH AND I WAS DONE WHAT I WAS TOLD I GET A LETTER FROM XXXX XXXX AND SHE OR HE HAS NOT YET UPDATED MY SCORE MY SCORES IS UPDATED FROM XXXX  AND XXXX  THIS IS CAUSING PROBLEM FOR ME TO GO AND START THE PROCESS OF ME TO GET MY HOME I FEEL THAT I HAVE BEEN XXXX  XXXX  BECAUSE IM A WOMAN A XXXX XXXX  AND BECAUSE OF GENDER EXPERIAN NEED TO BE HELD RESPONIABLE FOR NOT DOING WHAT IS NEEDED FOR MY CREDIT REPORT AND SCORE THIS NEED TO BE DONE N OW THEY HAVE ALL THE INFORMATION THAT WAS NEEDED TO DO THIS UPDATE I SENT MY LEASE LAST MONTH DL AND SSN

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 2024-06-06 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: TX

Complaint narrative:
I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

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 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
My issue is with Chime and XXXX because when i noticed that my funds were missing for the total amount of XXXX we filed the dispute on my behalf on XX/XX/XXXX for the multiple transactions that were unauthorized on my chime checking account, they told me over the phone that it would take 10 business days to 90 days to complete the investigation ; they also assured me that they would provide the temporary credit if they could not resolve the issue on XX/XX/XXXX i had a notfication and email that my claim was denied and they didnt provide any evidence as to why they came to that conclusion within a day and they didnt provide me a proper reason as to why my claims were denied ; they also closed the case with in a day, they arent adhereing to regulation E ; I will be attaching the email that i recieved from chime and that they denied my dispute within a day without giving me a reason, i never told them an error occured i told them that my account has unauthorized transactions on my checking acount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
I have made numerous attempts to resolve the fraudulent, inaccurate, and misleading entries on my consumer credit reports, yet this critical issue remains unaddressed. The presence of these erroneous items, to which I never consented, has severely impacted my life, causing tremendous stress and XXXX. I am a victim of identity theft, which has led to this compromised data being wrongfully associated with my identity. 

I must inform you that due to your insufficient action, I am now pursuing legal remedies regarding the fraudulent and patently inaccurate information currently misrepresenting my consumer credit files. I am formally demanding you take immediate corrective measures to update, delete, and permanently block these invalid items from my credit reports across all bureaus and furnishers.

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 2024-06-06 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: MD

Complaint narrative:
TRANSUNION 1. Account # XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$190.00}. According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 

2. Account Name : XXXX XXXX XXXX, I Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide a copy of my new credit report reflecting the account removed upon completion. 

3. XXXX XXXX XXXX ACCOUNT # XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion. 


4Account Name : XXXX XXXX Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$2000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed with Portfolio Recovery numerous of time because they are reporting that this account is open on XXXX and closed XXXX removed it off XXXX. I've disputed XXXX XXXX and they will not deleted this inaccuracy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was notified by lender XXXX that the U.S. Department of Education ( ED ) will transfer the customer service of my federal student loan account to XXXX by XX/XX/XXXX. As of XX/XX/XXXX, the loan is still not transferred and the loan is no longer with XXXX, meaning I have no access to the loan and no ability to pay off my debt. I am also enrolled in the Public Service Loan Forgiveness ( PSLF ) program, in which I may qualify for forgiveness of the remaining balance due on my eligible federal student loans based on my employment in a XXXX XXXX job. This is contingent on making payments on my loan every month. Because the loan is not available for payments right now, I can not make these payments towards forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: IN

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: Self Financial Inc.
State: PA

Complaint narrative:
This account is closed Self account they are still sending statements and trying to collect making this account still open when there is no activity I have called to make them aware they acknowledge this but still give negative credit reporting also balance is incorrect they have added additional fees I do not owe at all this is very deceptive on there part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-06-06 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:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief