vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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:
XX/XX/2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments reported for months where no late payments occurred. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I am requesting help concerning fraud charges on my credit karma spending account. I did my taxes with turbo tax and the money was sent to my credit karma money account. It was placed in the account on XX/XX/year> with a date of arrival on XX/XX/year>. On the early morning of the XX/XX/year> at XXXX XXXX I got a login notice texted to my phone stating that a log in code was sent to login in my account. I logged in an noticed a debit card was placed on my account that I did not placed on my account so I contacted credit karma right away. I was on the phone with the agent ( XXXX XXXX as I saw my money be " instant transfered '' to a unknown debit card that was added to my creditkarma money account. The agent ( XXXX ) saw the same. I asked him to stop the transactions and to freeze my money account. To prevent and more transactions ( transfers/ debits ). He stated he couldn't remove the debit card nor stop the ( instant transfers ) or freeze my account. The agent ( XXXX ) emailed me a dispute paper informing me to fill it out right away which I did. XXXX instructed me to send a picture of me holding my credit karma card, my State ID front and back, and a picture holding my State ID. This was XX/XX/XXXX within 20 minutes of me continuing beingon the phone with the Agent ( XXXX ). From the XXXX of XXXX till now i have contacted Credit Karma, they eventually closed my money account. I never received any information, was placed on hold for up to 5 hours then hung up on, then I asked them to freeze my account and remove the debit card. They didn't and now they have closed my account and and stated that there is nothing they can do. I have all the correspondence emails, phone logs, and disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
This company credit collection service has called me multiple time making threats as well as using abusive language

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX - XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 



In 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX - XXXXThe following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 



In 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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 non-monetary relief
Consumer complaint received 2024-12-21 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 XXXX Social Security : XXXX Consumer Date of Birth : XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX. These account have resulted in fraudulent charge off appearing on my consumer FICO credit report. I've attached a copy of my consumer report of the fraudulent charge off in question by which shows the aforementioned fraudulent item. I do not recognize the aforementioned account on my consumer credit report maintained by you were opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the following repossession in my credit file. The items I dispute are also encircled on the attached copy of the report I received. 
My credit report and score falsely sanction me for a vehicle repossession that is inaccurate. The vehicle listed as repossessed under my name on my credit report was in the state of theft and not in my possession as you will see on the attached Theft Report. The car was stolen on XX/XX/XXXX and not in my possession. 
My Credit Score suffered immensely as did my financial future. I can not refinance, nor open a credit card account, buy a house, buy a car after mine was stolen, rent an apartment. My insurances went up, my checking and savings bank of 14 years, XXXX  XXXX XXXX closed my accounts. 
XXXX XXXX XXXX repossessed XXXX XXXX XXXX XXXX XXXX that is registered in my name, wrongfully so as I was never in default as you will see in the attached financial statement from XXXX XXXX XXXX XXXX XXXX ). XXXX  extra contractually repossessed the vehicle and impounded it to a lot where it was repossessed. 
It was not in my possession on XX/XX/XXXX. 
This credit report and forever stamped repossession is inaccurate. I am requesting that the item be deleted. 

I called the credit bureaus and no help. I called and called XXXX and they were going to auction my car they had NO EXPLANATION AS TO WHY IS WAS REPOSSESSED. Nothing in the contract. I still paid to get it back reinstated account and they still reported repo. Please help XXXX XXXX XXXX are conducting bad business, unlawful repo, destroying my life, mental health. When I did nothing and my car was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the following repossession in my credit file. The items I dispute are also encircled on the attached copy of the report I received. 
My credit report and score falsely sanction me for a vehicle repossession that is inaccurate. The vehicle listed as repossessed under my name on my credit report was in the state of theft and not in my possession as you will see on the attached Theft Report. The car was stolen on XX/XX/XXXX and not in my possession. 
My Credit Score suffered immensely as did my financial future. I can not refinance, nor open a credit card account, buy a house, buy a car after mine was stolen, rent an apartment. My insurances went up, my checking and savings bank of 14 years, XXXX  XXXX XXXX closed my accounts. 
XXXX XXXX XXXX repossessed XXXX XXXX XXXX XXXX XXXX that is registered in my name, wrongfully so as I was never in default as you will see in the attached financial statement from XXXX XXXX XXXX XXXX XXXX ). XXXX  extra contractually repossessed the vehicle and impounded it to a lot where it was repossessed. 
It was not in my possession on XX/XX/XXXX. 
This credit report and forever stamped repossession is inaccurate. I am requesting that the item be deleted. 

I called the credit bureaus and no help. I called and called XXXX and they were going to auction my car they had NO EXPLANATION AS TO WHY IS WAS REPOSSESSED. Nothing in the contract. I still paid to get it back reinstated account and they still reported repo. Please help XXXX XXXX XXXX are conducting bad business, unlawful repo, destroying my life, mental health. When I did nothing and my car was stolen.

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 2024-12-21 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: IL

Complaint narrative:
Experian is doing a fraudulent investigation currently with me at the moment. There investigation is illegal fraudulent and biased. They are making false claims to me and and trying to make the process harder and harder on me. They first claimed that they couldnt block because I didnt attach my identification which I did attach but I went ahead anyway and sent again plus called and the agent said that they received them and would block within 4 days then after a few days I get another email this time saying there is no proof that I filed the ftc report with law enforcement which is a lie because it is notarized with stamp I called again and now on this 3rd attempt they are saying now the images are blurry which they are not. Experian is conducting there investigation fraudulently and biased they arent trying to help me with my identity theft issue and need to be held accountable for how they are performing this I am attaching my identity theft report with the ftc along with my license and proof that XXXX has already agreed to take off the credit bureaus target is ignoring me. These are the exact files and photos I sent to Experian about this investigation. I have XXXX disputes with them at the moment one with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these illegal accounts Should have been taken off weeks ago Experian is purposely dragging this out and being fraudulent and biased in process this is illegal and not fair

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and I found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency compares a consumer report it shall follow reasonable procedure to Assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 u.s.code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if after any reinvestigation Under paragraph ( 1 ) Of any information disputed by consumer an item of 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 resort of the reinvestigation ; and ( ii ) Promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer please remove the following items from my credit report Immediately 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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 
I recently advised that the bank violated my rights when they breach the contract. This bank charged me XXXX dollars for two late fees. Per our contract the first late fee was supposed to be XXXX not XXXX. The second late fee was XXXX per our contract. However, the breach of contract is where ; Count ( 1 ) you over charge me on the first late fee instead of XXXX you charge me XXXX ; Count ( 2 ) per the contract on the second late fee you charged me XXXX correct as per agreement. However, you report to the credit bureau a late fee which actually stays on your credit report for 7 years that caused serious damage. The contract does not mention any type action from your bank that a late fee will be reported on your credit report and stay there for 7 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: KY

Complaint narrative:
Late payments reported and payments have been made on time its negatively impacting my credit In accordance with the fair credit Reporting lXXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have to this date never received any notices of a pending debt nor have I received any notice it was being sent to credit report. I informed the original debtor that we were not responsible for damages and never received any response or dispute and we are now post 4 months plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my XXXX XXXX account ( Account Number : XXXX ). Specifically, the account reflects a 30-day late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX, which are erroneous and negatively impact my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false, as I have maintained a consistent on-time payment history through autopay.

Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : The failure to correct these inaccuracies breaches the Fair Credit Reporting Act, which mandates accuracy in consumer credit reports.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment information could qualify as a misleading or deceptive act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires that all payment and account information be accurate.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements exposes the responsible parties to legal penalties.

Summary of Discrepancies Experian : Reported 30-day late payment for XX/XX/XXXX and XXXX late payment for XX/XX/XXXX. 
These late payments are inaccurate, as payments were made on time. 
Requested Resolution : I request the following actions : Investigate the inaccuracies and remove the erroneous late payment entries. 
Update my credit file to accurately reflect my history of on-time payments. 
Provide written confirmation of the corrections within 30 days, as mandated by the FCRA. 
Enclosed, you will find copies of supporting documentation to substantiate my claims. Please address this issue promptly to prevent further actions. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently established in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX. XXXX XXXX XX/XX/XXXX {$820.00} XXXX. XXXX XXXX XX/XX/XXXX {$10000.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation