vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: AZ

Complaint narrative:
I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still accounts that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received two American Express gift cards for different events at my job. Each card is for {$50.00} dollars. Total amount is {$100.00} in gift cards. I have tried to use the cards everywhere from fast food, to online, XXXX, grocery store, gas station and they will not work anywhere. I contacted American Express and they said that its because only certain places accept them but I have tried everywhere and the cards do not work at all. So now I have {$100.00} dollars that I can not use. American Express is not being helpful and saying I need to contact the place Im trying to use it at but that makes zero sense because I cant purchase anything so its not their problem. I feel cheated my Amex because pretty much they take the money and then hope you just forgot about the card since it doesnt work. Online the card says active and it says it has the money but literally will not work anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report I discovered a number of items that are not accurate and are fraudulent items. 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 ).

I have sent a notarized affidavit, FTC report, and proper identification via registered mail to the credit reporting agency. 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 non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am writing to formally dispute the debt referenced in your recent communication, account number XXXX. I believe this debt is inaccurate and should not be collected for the following reasons : Violation of the Fair Debt Collection Practices Act ( FDCPA ) : On XX/XX/XXXX XXXX I received an email from TrueAccord, your debt collection agency, at XXXX XXXX on a Saturday night. According to the FDCPA, debt collectors are prohibited from contacting consumers at inconvenient times, which includes any time before XXXX XXXX or after XXXX XXXX local time. This contact was not only inconvenient but also a violation of my rights under the FDCPA. 
Identity Theft : I am a XXXX XXXX XXXX XXXX and the debt in question is not mine. Under the FDCPA, debt collectors are prohibited from attempting to collect debts that are inaccurate or not owed by the consumer. I have attached a copy of my identity theft report and any other relevant documentation to support my claim. 
I request that you cease all collection activities related to this debt and remove any negative information associated with this debt from my credit report. Additionally, please provide written confirmation that you have complied with this request. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
I consistently pay on time, so its unclear why this company reports late payments. As per USC 1666b, errors should be corrected, and my account should show payments as on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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 just recently reviewed my credit report on XX/XX/XXXX, and noticed some late payments for ( Acct # XXXX XXXX XXXX ) that were supposed to be on-time during the Pandemic. However, the creditor and I spoke and agreed that I was eligible for a loan modification, and we began to execute the modification in XX/XX/XXXX. After working tirelessly through multiple disputes to Experian and phone calls to rectify the inaccurate reporting, I wrote a letter to the XXXX, XXXX and called again to inform the lender of the below reporting act but nothing has been updated. ( Letter enclosed ). 

SEC. 4021. Credit Protection during COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall - report the credit obligation or account as current ; or if the credit obligation or account was delinquent before the accommodation - maintain the delinquent status during the period in which the accommodation is in effect ; and- if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wanted a couple things disputed but XXXX wouldn't do it. I tried calling several times today but they wouldn't answer the telephone. Kind of odd. 

Then, tonight I wanted to get over the telephone all my collection payments to XXXX XXXX and the man told me he had nothing. But all this time I have been pay between $ XXXX {$100.00} automatic payments to XXXX Attorney. It looks like they are making their own checks and possibly having their own bank deposit what they need done. I don't write checks and isn't that fraud? Since, I can't get into my checking account anymore I had asked for XXXX and XXXX payments for XXXX, but he said he had nothing. Then, I had asked XXXX bank for what they had payments from me. Also, XXXX XXXX and XXXX XXXX XXXX that XXXX Bank states isn't their collection company. XXXX  XXXX XXXX scammed me and took advantage of my XXXX  and my money and I would like it back. Same with XXXX bank for my over payment and Warranty money to clean my furniture because the cleaner refused. I even asked XXXX for a couple bank statements and never received them. XXXX wouldn't work anything out with me, so I am thankful for XXXX and XXXX and her staff. This is so unprofessional. It only takes a couple minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$18000.00} These above accounts where involved in identity theft and and not mines I was incarcerated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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:
XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXXXX/XX/XXXX {$18000.00} These above accounts where involved in identity theft and and not mines I was incarcerated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My business account, XXXX XXXX XXXX. account that has been closed due to a flag for fraud. I would like to know where the funds have gone. I do not understand why I am not being told any information on my business account. The account was opened XXXXXXXX XXXX XXXXXXXX and put on hold in XXXXXXXX XXXX XXXXXXXX without any communication as to why. Capital One made requests for documents and I sent all documents requested, but no resolution or communication whatsoever. Only to find out that the account was closed XXXXXXXX XXXX XXXXXXXX. I've called multiple times regarding the issue. I've called the phone numbers XXXX, XXXX and XXXX. I have been told by Capital One representatives that the funds have been " sent back to the issuer, '' which would be XXXXXXXX XXXX they do not know what is happening, to wait XXXX days business and etc. I have had two representatives reach out to me ( XXXXXXXX XXXX XXXXXXXX ) after I emailed XXXX and XXXX, but they have either not responded to my request of when and where my funds will be returned to me. I do not wish to continue the business relationship I just ask to have my business funds returned to me asap. It has almost been a year and I am sick of the excuses by Capital One. I highly advise small business owners not to engage in business with Capital One Bank because there is no transparency in their process and will leave you stranded without your funds for extended amounts of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: MD

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 in 60 days 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.

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 2024-10-04 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 writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened a US Bank XXXX XXXX checking account XXXX on XX/XX/2024. I deposited more than {$25000.00} within 30 days of account opening and had maintained the fund. However, some time in XXXX, US bank closed my account without my consent. Since then I have not received my funds ( {$25000.00} ) that were remaining in the account when it was closed. When the company sent to me a letter in XXXX notifying me that the account was closed, they wrote in the letter that they would return the funds to me within 15 day. They did not return the funds. When I called US bank late XXXX, the rep told me that the cashier check was sent to me on XX/XX/2024 to return the funds to me. I have never received such a check. Thus I submitted a CFPB complaint XXXX. I their response, they wrote that At the time of closure, your account ending in XXXX had a remaining balance of {$25000.00}, which we were unable to verify and as such, the funds were withheld. We are in the process of returning these funds to the originating financial institution. This is a bank-to-bank process, which often can take months to complete. The funds will not be returned to you. However, I have a bank statement of my linked external bank ( XXXXXXXX XXXX XXXX that I used to transfer the funds of ~ {$25000.00} into my US Bank account ending in XXXX mentioned above. As in the attached bank statement, the transaction to transfer {$25000.00} from my XXXX bank account to the US bank account was done on XX/XX/2024. That linked external account is my account under my own name and my home address, which are the same as that were used for the US bank account XXXX. I dont understand why US bank claims that they were unable to verify the funds {$25000.00} that were in my account XXXX. Here, I attached the bank statement as well as photocopies of my photo ID ( driver license ) and a photo of myself holdng the driver license. I want my {$25000.00} funds back to me as soon as possible. If they can not return to me directly as a paper check, they should return to my XXXXXXXX XXXX account that I used to transfer the funds into.

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