vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-09-18 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: UT

Complaint narrative:
I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have sufficient time to review and make necessary payments without being penalized for late payments.

Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXX o Late Payment Date : XX/XX/XXXX o Payment Status : 30 days late. 
o Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX o Account Number : XXXX o Late Payment Date : XXXX, XXXX o Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.

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 2024-09-18 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: NY

Complaint narrative:
This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea where they came from. I check my report regularly, but this time, these discrepancies appeared out of nowhere. I even refreshed the browser, thinking it was some kind of glitch, but the accounts were still there. Because of this issue, I'm asking that the documents I submitted be carefully reviewed so I can stop worrying about this ever happening again.

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 2024-09-18 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: NJ

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I registered for Capital One Credit Wise during registration and transferring my personal identification as requested, I was sent a 2-step verification code to my phone from ( XXXX ) XXXX. After signing up I no longer have access to the site with my username and password and the claim is that my phone is not registered or match my account when it's the same number used to register the account and take in all my personal information. It is a complete lock out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
I received the letter with my dispute results from your Agency and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy

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 2024-09-18 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AZ

Complaint narrative:
I previously filed a complaint about missing information in my Experian Credit Report. Their assessment of my credit says it is average to poor as I have no mortgage loan or recurring auto loan or debt. I repeatedly provided " Boost '' access to my bank which has had my mortgage since XXXX of XXXX ( never late ) but they refuse to add that mortgage to my information. The same bank account pays my monthly auto lease, yet Experian still says I have no auto payment even though they do show the credit inquiry when the lease was granted! 
I have attached a bank statement, with bank names and account numbers redacted, for XX/XX/XXXX showing payments of each of these recurring accounts. 
I am very disappointed in the quality of their reporting that repeatedly removes me from more favorable credit terms!

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had a secured credit card with this company ( my first ever credit card ) and never was late and eventually was able to transfer it to an unsecured credit card due to good payment history. I took pride in having a great credit score. This card helped me build my credit annd purchase my first home. Unfortunately, One day an unauthorized charge during Covid was made to the card, and that charge exceeded the allowed credit limit. I informed the company and they told me they would send me a NEW card. They sent the card but when I received this card I was unable to activate the card. I call the company and they on the phone informed me the account was closed and a balance was due. I was already going through a hard time as it was. Unfortunately the company ignored all of my attempts of explanation, reasoning and out right did not help me. For almost 2 years ( me disputing this ever chance I get ) they have been reporting a balance owed ruining my personal ability to find housing, obtain transportation or even open new accounts. The company wrote off most of the balance and remains to attempt to collect the other part of the balance. Im tired of this abusive practice by this company. They are not following The Fair Credit Act, they did not attempt to help me at all, they claimed to verify the account is mine but never took responsibility for the unauthorized charge, closed the account while knowing this issue was at hand and never tried to help me with the unauthorized charge which exceeded my allowed credit limit which makes zero logical sense. Then stuck me with the bill and have been ruining my life ( going against I the consumer ) holding me hostage and using abusive tactics. I am being forced to take drastic measures I other wise would not have to.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. The account have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report. 
Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. For your reference, I have attached a partial copy of my credit report showing the erroneous account that has been reinserted. I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was alerted to a data breach by a company I do business with. I tried to get into my Experian account to put a credit hold on my account. Apparently, Experian implemented two factor authentication and I have an old phone number on record, I can login with my user name and password but when they send me a security code I cant receive it because it is going to a number I no longer have. I have spent 2 days trying to talk to someone at Experian by phone and can not get through to a real person. I also have not been able to find a place I can Chat with them. My data has been exposed and I can not get ahold of Experian to put a hold on my account.

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 2024-09-18 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: SC

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MOHELA
State: MN

Complaint narrative:
I recertified income for my student loan XX/XX/XXXX as my account was stating this was due. This resulted in my payments increasing and me being moved from XXXX to XXXX repayment plans. 

In XXXX, the department of education announced that income recertification was being pushed back until at least XX/XX/XXXX and those who had recertified should be able to revert their payments to the prior amount. 

I contacted MOHELA about this in XXXX and XXXX and was given conflicting information ( they needed prior recertification documents, they didnt need the documents, then that it would be automatically fixed in XXXX during a mandatory forbearance ). 

I filed a complaint with the Department of Education who stated on XX/XX/XXXX that MOHELA had 30 days to return my payment and plan to the prior amount, place me in administrative forbearance for the months that were incorrect and refund my payments ( FDMS case # XXXX ). 

My payments were not fixed in XXXX and I continued on XXXX. With the court ruling on XXXX, MOHELA has now told me in XXXX separate phone calls that my account is frozen and no changes can be made ( XX/XX/XXXX, XX/XX/XXXX ). I was told there would be follow up within XXXX business days of the XX/XX/XXXX call after forwarding to management but this has not happened. They are not honoring the Department of Education findings and over 30 days have passed. 

My account is only on XXXX because they did not correct the issue in a timely manner. My loan forgiveness is due in 1 year and I am currently not having payments count because of their mistake. I feel that their inability to follow Department of Education guidance on income recertification is leading to XXXX ) unfairly high increases in payment and XXXX ) unfairly limiting my ability to complete the payments needed for my public service loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a flight in XXXX using XXXX points with my chase card. 

The flight was canceled at the airport due to a maintenance issue ( airline 's fault ). The credit card company received the refund instead of me, and has not given me a refund for the last 4 months. They gave me assurances that they were creating a case and were going to refund me within 1 month back in XXXX ( they didn't ). I called again today and they still couldn't refund me the points even though they previously assured me I would get my refund. 

I feel like I was stolen from by the credit card company and airline company, left with lots of damages from this experience ( XXXX never responded to the complaint letter that I submitted about this experience ). 

Chase case numbers and XXXX  refund numbers were provided but no satisfactory resolution was commited to by the company. I feel I need to sue them to get my refund. Beware using points because the credit card company doesn't offer any resolution when things go wrong...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Comerica
State: CA

Complaint narrative:
I hired a credit repair company called XXXX XXXX XXXX. They turned out to be running an illegal credit repair company and was shut down by the FTC. I disputed the charge with my bank at the time Comerica bank. They gave me temporary credit of {$2000.00} until investigation was complete. When investigation was complete they denied my dispute and said that i signed a contract with credit repair company so it was valid charge. When i told them what I signed was a fraudulent contract and to reopen the investigation. They denied me to reopen investigation. I had supporting documents to show they were illegal credit repair company they still did not reopen so i went to a different comerica bank and spoke to a manger by the name of XXXX XXXX XXXX XXXX XX/XX/2022 and gave him the documentation proving my dispute was correct. He got back to me and told me the reason they denied my dispute claim even though it was a legit dispute claim, was because the company has had its bank accounts frozen by the FTC and had no way of recovering the money back so i would have to wait til that case gets resolved and try again. They ended up closing my bank account with a negative balance of {$2000.00} from the dispute temporary credit and reported me to XXXX. So now I cant open a bank account because of Comerica refusing to agree with me on the dispute dispite having all the evidence.

Company response to consumer: Closed with explanation