vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: GA

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: MA

Complaint narrative:
I tried to open a discover online checking account and was required to submit ID verification form on XX/XX/XXXX. 

For the first ID verification form, I was notarized by one of the bankers at XXXX XXXX and sent it to discover bank via their secure link on XX/XX/XXXX. Later I called to check in my application process and was told that discover wasn't able to verify my form because the banker was on vacation and wouldn't be back until XX/XX/XXXX. 

In lieu of this, I sent out another form to discover bank on XX/XX/XXXX and called on XX/XX/XXXX to request my form be sent to notary department. On the phone call, the agent told me that she would make sure to forward it to the notary department. 

On XX/XX/XXXX, I called again to check my application status and was told by the agent that the notary department wasn't able to verify the form yet because they couldn't get hold of the banker who notarized my form, and the phone call went directly into the general customer service line. 

On XX/XX/XXXX, as of today, I called again to check on my notary verification form and was told by the agent that the second form had not yet sent to the notary department. Astonishingly, she said there were no notes or communication records had been left on her end, except the XX/XX/XXXX call. 

I am more than appalled to learn that my XX/XX/XXXX call and XX/XX/XXXX call went to moot, and two agents, who specifically told me on the phone to forward my notary form to notary department, had just done nothing with my application. This kind of bureaucratic infuriates me more than ever. 

I attached some of the phone calls I made to discover bank, which amount to one hour, yet nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: WA

Complaint narrative:
I filed a dispute with Equifax because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Equifax, there site states Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years. Its almost been 9 years. I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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:
I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section 623 ( a ) ( XXXX ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not one in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both XXXX  and XXXX  have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent.

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on XXXX, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.

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 2023-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, Capital One has violated my rights under 15 USC1681 section 6 o 2 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit for any purpose. Capital One is reporting 10 missed payments, 5 on one card, and 5 on another. There are only 4 months that are reporting not current in XXXX. One card is from XXXX to XXXX of XXXX, and the other is from XXXX to XXXX of XXXX. Disputed was once taken on my end, but the company refuses to change or erase the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my credit file. The persistent presence of these inaccuracies has caused significant distress and concern, necessitating immediate attention and resolution. 

I discovered unauthorized and fraudulent items on my credit report. Disturbed by this discovery, I promptly initiated the dispute process with your bureau to report the inaccuracies and request their removal. 


During my initial disputeI provided detailed information about the fraudulent items, including supporting documentation, and requested a thorough investigation into the matter. 


Despite the dispute process, I have made multiple follow-up attempts to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, these attempts have yielded no resolution, and the inaccuracies persist on my credit file. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also compromised my creditworthiness, affecting various aspects of my financial life. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent items from my credit file. This is crucial to rectify the inaccuracies and restore the integrity of my credit report. 

I implore your team to expedite the investigation into these unauthorized items to identify any discrepancies and prevent any further harm to my credit history. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and potential financial consequences caused by these fraudulent items, I request fair compensation for any damages incurred. Additionally, I seek assurance that credit monitoring services will be provided to safeguard against future fraudulent activities. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring the accuracy and reliability of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company continues to report to my credit report when they stated they would remove all negative and inaccurate information off of my credit files. In previous filings on this company to the CFPB they got in writing and on documents Case # XXXX that they would stop but the credit bureaus continues to report this information damaging credit and my life. I have proof to show how they continue to report an violate in the description below. They also said that they have verified this account as accurate which is in Violation of my consumer rights.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX i called in to dispute these accounts off of my report

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  i called in to dispute these accounts off of my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/2023, XXXX i called in to dispute these accounts off of my report

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 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company continues to violate my consumer rights by reporting inaccurate information on my credit file and trying to make that account seem like it's new when it's closed and old and have been reinsert on my credit file to make my credit look bad. I have proof down below to show how this company continues to do so. 
They also said that every time I dispute this account they said they verified it which I know they haven't verified nothing. There has been no consent that I gave or permission to do so which make this account be in violation.

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 2023-12-09 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: MO

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: IL

Complaint narrative:
The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report.

There are multiple names and variations of names on the report. only 1 of the names is my legal name.

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 2023-12-09 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: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to Aid Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX XXXX Transunion Student loans Total balance : {$86000.00} DEPT OF ED/XXXX  LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

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 2023-12-09 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: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX Equifax XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXXXXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: AZ

Complaint narrative:
I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/ XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated 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 non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank online payment continues to practice inaccurate information. This invovles the amount of money that is due on my credit card. I use their pay current balance option and some how the next months when my statement show a random {$700.00} to {$900.00} dollars is still due. It does this every month for the previous month no matter how I pay. It never goes away, doesnt matter if show them the math and dispute it on the phone. They always claim on the phone it doesnt show pending charges but current pending charges and thats why I dont see what I owe. They try and list pending charges and it never add up to anything close to what they claim I owe. They will go in circles trying to claim well the money must have come from before. We need to go back a month and see what that statement balance was previously. 

I had the same issue with XXXX  and eventually through working with cfpb the next day they credited me back the over charge of around XXXX dollars. 

This is false billing pracitce and is completely defrauding me. 

Currently they claim i owe XXXX dollars but i paid off my current balance right around the due date of about XXXX XXXX dollars. There is no way to get them to admit the online billing system is falsely showing information from previous statments. 

If this continues I will send them a demand letter to fix it and sue them.

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 2023-12-09 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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