vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: TN

Complaint narrative:
Account Information : Account Name : XXXX Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$16000.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance Updated on XX/XX/XXXX ) Original Balance : {$15000.00} Terms : 60 Months Dispute Reason : I am disputing the accuracy of the reporting on this account for the following reasons : Dispute Code : XXXX : " Account status incorrect '' XXXX : " Payment history incorrect '' XXXX : " Balance inconsistent '' Payment History Inconsistencies : The reported payment history contains discrepancies, including duplicate or inconsistent entries for charge-offs ( " CO '' ) in XXXX and XXXX. For example : The account is reported as " CO '' in several months when the status update date shows no significant change in the account 's condition or balance. 
There is no clarity on the progression of delinquencies and the timeline leading to the charge-off. 

Status and Balance Discrepancies : The original balance is reported as {$15000.00}, but the written-off amount is {$16000.00}. This inconsistency needs clarification. 
Current Status and Payment Terms : The account status indicates " Closed '' with a {$0.00} balance, yet the delinquency history does not align with the terms of the account. There is a need to confirm whether this was reported accurately following the closure of the account. 
Missing Documentation : I have not been provided with sufficient documentation to verify the accuracy of the reporting. Specifically, I request evidence supporting the charge-off status, including payment records and any relevant account activity. 
Requested Action : I kindly request that XXXX and the credit reporting agency : Conduct a thorough investigation of the reported information. 
Verify the accuracy of all payment history entries and adjust any incorrect information. 
Provide all relevant supporting documentation justifying the current account status, including charge-off validation, balance details, and past-due payment reporting. 
Correct any inaccuracies identified in this dispute process and update my credit report accordingly. 

Payment records. 
Correspondence with XXXX regarding the account status. 
All documents that support the dispute. 
Closing Statement : I value the accuracy of my credit report and trust that XXXX and the credit reporting agency will address this matter promptly. If no verifiable documentation is available, I respectfully request the removal of this account from my credit 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Follow up to answer received for complaint XXXX TD responded to our inquiry where we asked if TD misdirected incoming deposits for our XXXX income tax refunds. 

TD stated : " In your comments, you mention that your federal and state tax refunds for tax year XXXX were sent to your account at TD Bank, but the funds have not been credited to your account. We have reviewed our ACH records and we were unable to locate any incoming deposits matching your name or account number for the amounts you provided. '' New question : Did TD receive income tax refunds from the following banks for deposit in XXXX? 
Company Name XXXX XXXX XXXX XXXXXXXX ID : XXXX Bank of Origination Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Company Name : XXXX XXXX XXXXXXXX Company ID : XXXX Bank XXXX XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I have been trying since this collection to hit my credit report to have it removed. The amount is incorrect. It was during covid and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We agreed due to the XXXX  that happened they would let us out of the lease and we would just need to make monthly payments on past due balance and we would be released from the lease. We turned in the keys, left the property in perfect condition sparkling clean and make a promise to pay installment. They did not tell us we had XXXX access to the web portal and had to hand deliver money in person or mail payments to management. From the beginning management changed every 3 months even the girl who signed me up XXXX gave me the run around and ran my roommates credit twice and the tried to make him pay a higher deposit because nothing came back for a credit report. This company basically made our agreement fall through the cracks and sent us to collections with the wrong amount. We finished paying and they removed the promotion and now making us pay even more than we agreed to. I explained from the beginning that I lost a job, had car issues, and had money taken out of my account from a trip to XXXX and the bank would not reimburse me. They never offered to take care of late payments and would let people come up unannounced during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to come back from other coworkers who tested XXXX  The amount should have been around XXXX XXXX and we paid back monthly for over a year at XXXX dollars every XXXX weeks. XXXX is not correct and needs to be looked into. Also this collection company is showing as if we were late from XXXX on different credit reports but truly late on rent back in XXXX when covid was ramping up and the world was in total chaos. I am begging for someone to make this right. The management changed so much and Im sure they were under a lot of pressure as well. I have sent the company messages and also constantly tried to remove on my credit report as they will also try and bring up and make me look bad. I am wanting the government to step in at this time and see what they can do and have this company make things as good as possible by their original word.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
THIS IS UPDATE SUPPLEMENT TO : # XXXX [ XXXX ] XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX message from XXXX caller ID : " FISERV '' : message : call number on back of card for service [ the # previously ALWAYS blocked ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is in XXXX and FISERV is in Wisconsin XXXX. 
[ XXXX ] I called # on back of card SAME DAY [ XXXX ] ; [ XXXX ] INITIALLY delighted to hear outgoing message, not blocked ; [ XXXX ] BUT, then after XXXX on menu, all I got was a recording for a special promotion offer, but once again NOT possible to talk to live humanoid. 
.. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -.. 
THIS IS A COMPOUNDED DELIBERATE SCAM FROM MNBank. MN has EMBEZZLED our money : it is now XXXX years and we can not access the {$700.00} on our pre loaded debit card [ not including lost interest which MN has wrongly profiteered from ]. 
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

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transuniondid not do a full investigation on the XXXX XXXX account and the XXXX account they did not contact the IRS to see if the debts were truly canceled with the IRS of cause XXXX XXXX and the XXXX will keep stating that is not canceled of cause they will just to keep it reporting now expearin must do a full investigation WITH THE IRS AND XXXX REQUEST FULL DELETION OR REMOVAL OF BOTH ACCOUNTS UNTILL THE FULL INSTIGATION IS DONE YOU MUST INVESTIGATION WITH XXXX AND THE IRS THEN XXXX AND THE IRS i have the irs looking into this how come XXXXXXXX  didn't because they want to keep false information on my credit file i wrote to tHe irs they will get bACK TO ME HOW ABOUT YOU 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 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: FL

Complaint narrative:
XXXXm reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I received a email saying that I was turned down for credit and I never applied for credit so I called XXXX and the operator told me it was identity theft attempts and I asked to optout and he would not assist me saying I had to wait for a supervisor to call me back and I had to go online and do it and called again to verify it was done and got another operator who said it was not done after I submitted a online request because I could not get help on the call to optout. I never even heard of this company and they referred to my unauthorized account as a cage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am writing to formally dispute a debt that has been reported to my credit file by XXXX XXXX XXXX, which I believe is erroneous and should be removed. The debt in question has been reported to the following credit bureaus : Equifax, XXXX, and XXXX. 

I have previously disputed this debt with each of the three credit reporting agencies, as I do not recognize this debt and have not received any valid documentation substantiating its existence. Specifically, I requested that XXXX XXXX XXXX provide me with the original purchase agreement or any other supporting evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received such documentation from XXXX XXXX XXXX. 

Despite multiple attempts to resolve this matter directly with the credit bureaus, the debt has not been removed from my credit report. I have provided all necessary documentation during my disputes, but the item remains unresolved. 

I am requesting your assistance in ensuring that this debt is properly investigated and, if it can not be validated with sufficient documentation, removed from my credit file. I believe that XXXX XXXX XXXX has failed to fulfill its legal obligations in validating the debt, and their reporting of this debt to the credit bureaus is unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am writing to formally dispute a debt that has been reported to my credit file by XXXX XXXX XXXX, which I believe is erroneous and should be removed. The debt in question has been reported to the following credit bureaus : XXXX, XXXX, and Experian. 

I have previously disputed this debt with each of the three credit reporting agencies, as I do not recognize this debt and have not received any valid documentation substantiating its existence. Specifically, I requested that XXXX XXXX XXXX provide me with the original purchase agreement or any other supporting evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received such documentation from XXXX XXXX XXXX. 

Despite multiple attempts to resolve this matter directly with the credit bureaus, the debt has not been removed from my credit report. I have provided all necessary documentation during my disputes, but the item remains unresolved. 

I am requesting your assistance in ensuring that this debt is properly investigated and, if it can not be validated with sufficient documentation, removed from my credit file. I believe that XXXX XXXX XXXX has failed to fulfill its legal obligations in validating the debt, and their reporting of this debt to the credit bureaus is unjustified.

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 2024-12-02 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-02 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: GA

Complaint narrative:
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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I tried to close my Citibank checking and savings account on XXXX. I spent XXXX hours on hold and had to talk to multiple people and they made it practically impossible to close my account. The process was extremely confusing, had friction at every step, and I was constantly out on hold. It seemed that they wanted to find a way to keep the account live by making the process impossible.

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 2024-12-03 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: TX

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate.

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 2024-12-02 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: VA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. 

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.

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 2024-12-03 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: FL

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 non-monetary relief