vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 to be removed/updated. 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. 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!

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 2025-02-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: CA

Complaint narrative:
Each month for the past five or six months, I have been unable to withdraw the cash from the same credit union Ive been using for years to be able to acquire a money order and pay my rent. I have called every month about this issue and I have heard a multitude of excuses one thing that I had to drive to the XXXX store, which is XXXX miles away to get cash. Another was that it was a fraudulent area or they affected fragile activity And they thats why they denied. The charge was to protect me. I heard that my carpet service was charging me too much and I should find a cheaper service or by form of payment. I spoke with many representative that ended up hanging up on me. Ive been on hold for hours and hours. Ive spoken with supervisors that have you even hung up on me and I dont know what to do. How can they legally continue to deny me withdrawing my own cash this is from my Social Security XXXX monthly payment as well as did I charges that Im trying to make at stores or for services how is that legal? how can they decide whats fraudulent and whats not and leave me hanging at at a store? Where for groceries?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I accessed my Sofi account through their desktop application. I applied for financial assistance and was granted an exception to only pay the interest due for 3 months. I went to through their process and signed the agreement document online. For the next 3 months, the amount due was going to be {$77.00}. I payed the amount in XX/XX/XXXX and XX/XX/XXXX for the amount due the desktop application was telling me to pay, which was {$77.00}. In XXXX, I opted to pay the regular payment amount of {$420.00} despite the application telling me I only owed {$77.00}. A day later, I started receiving notices that my credit score dropped. I then realized that Sofi reported me 30+ days late to the credit bureaus. 

I contacted Sofi on XX/XX/XXXX and gentleman by the name of XXXX tried to assist me. He mentioned that I was currently 31 days past due and asked if I wanted to make a payment to satisfy the amount due. That didn't make sense, because I always pay the amount due the system is telling me to pay on the scheduled due date. After trying to explain what happened, he mentioned that I was supposed to pay the regular payment in XX/XX/XXXX and the exception would have started in XX/XX/XXXX. I mentioned that I always pay what the application tells me to pay. The transaction history shows that I payed {$77.00} on XX/XX/XXXX. That was the amount due after i signed the agreement. I went back in XX/XX/XXXX and it showed that I was only due for {$77.00}. There was nothing posting as past due. I went ahead and payed my regular payment in XX/XX/XXXX. 

If I was late, I was never alerted via phone, email, mail or text. The desktop application was also not showing I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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.

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

Company 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an inquiry from a company I have no association with. I never applied for credit with them, nor did I authorize or consent to this inquiry. This unexpected and unauthorized access to my information is extremely concerning and has caused me significant stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: KY

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( XXXX ) in question include : * Account Name/Number :XX/XX/XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.

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 2025-02-18 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: IN

Complaint narrative:
I do not recognize this address- please remove thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
Subject : Formal Dispute Demand for Immediate Deletion of Fraudulent Accounts and Compliance with FCRA To Whom It May Concern, I am formally disputing the reporting of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  accounts on my Equifax credit report. These accounts were fraudulently opened in my name due to identity theft, and both creditors have confirmed that I was a victim of fraud. Despite this confirmation, Equifax has failed to properly investigate and remove these accounts, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I have repeatedly submitted supporting identity theft documents through the CFPB website and by certified mail on XX/XX/year>. However, a representative from the Equifax Consumer Affairs Department, XXXX ( Employee ID : XXXX ), falsely claimed that Equifax has not received these documents. Furthermore, Equifax has refused to block these fraudulent accounts under FCRA 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block fraudulent information within four business days upon receipt of proof of identity theft. 

It has also been confirmed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  that they have never received any dispute or fraud notification from Equifax regarding these accounts. This raises serious concerns about Equifaxs failure to properly process and communicate disputes, which directly impacts my ability to restore my credit.

Resolution Demanded : Immediately and permanently delete the fraudulent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts from my Equifax credit report. 

Provide written confirmation that these accounts have been deleted and will not be reinserted in the future. 

Ensure compliance with FCRA laws by properly investigating and blocking fraudulent accounts upon receiving supporting documentation. 

If this matter is not resolved within the 30-day timeframe required by law, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for further action. Equifaxs failure to process disputes and block fraudulent accounts violates the FCRA, and I will not hesitate to seek legal remedies to enforce my consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MS

Complaint narrative:
I got kickoff llc 9 months ago they have been taking two payment from my checking account every month. This has not at all help my credit like they advertised they been just taking my money. First off their fake and I never got no kinda loan are debit card from them so that is fraud their doing reporting to the credit bureau because they have not lended no money but reporting that people is paying back a loan when all their doing is taking people money they refuse to give my money back after I look at my credit report and after 9 months I see their a false advertisement and has did nothing for me! Blaming other things as to why it didnt help.blaming an actual credit card from a real bank that I just got to be the problem when in fact their the fraud and lying to the credit bureau with all these fake loans and repay information their reporting. My understanding that this boost your credit XXXX point in months well its been 9 months and that is not at all, plus you can tell its fake if you look at the credit report it will say like you borrow {$60.00} who is going to borrow {$60.00} and they put that on your credit report, one of them said {$0.00} borrow and paid back {$0.00} but I have an on time payment history is outstanding .How is that possible if its {$0.00} and paid {$0.00}. I read reviews and there is other people saying the same thing they did! This cant be legal because their committing fraud by lying to the credit bureau saying I borrow {$60.00} from them because I have not got a XXXX from them yet the take two payment from my checking account every month and it has been for no reason I want my money back because they are a fraud scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: WA

Complaint narrative:
I am contacted via methods and avenues that was not disclosed to the company. Personal data breach, and improper information sharing.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. On XX/XX/year>, I filed disputes with each of these credit bureaus, requesting an investigation into inaccurate information on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and provide a response within 30 days. However, as of today, I have not received any formal response, investigation results, or supporting documentation from any of the bureaus, despite their legal obligation to do so.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take action to ensure the credit bureaus comply with federal regulations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, along with formal written confirmation that the corrections have been made.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to 15 U.S.C. 1681b, a consumer reporting agency may not furnish a consumer report without permissible purpose. If this account resulted from identity theft or fraudulent activity, any reporting of late payments is unlawful.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information shall not report information that it knows or has reasonable cause to believe is inaccurate. If the reported late payments are incorrect, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore : 15 U.S.C. 1666b : Creditors must apply payments promptly and accurately. Any misapplication leading to a late payment is a violation. 
15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.

15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any errors. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate. The presence of these fraudulent late payments on my report indicates a violation of this statute. 

I request the following actions : 1. A formal investigation into this identity theft claim 2. Immediate removal of the fraudulent late payments from my credit report 3. Assistance in placing fraud alerts and security measures on my credit file to prevent further unauthorized reporting 4. Written confirmation of the results of this investigation Enclosed, I have included the following documents to support my claim : A copy of my government-issued ID A copy of my credit report highlighting the fraudulent entries Any relevant supporting documentation Please process this dispute urgently, as these fraudulent late payments are damaging my creditworthiness. I appreciate your prompt attention to this matter and request a written response confirming the actions taken.

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 2025-02-19 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
I bank with Old National Bank and I had a fraud charge on my card. I called my bank, and they told me they would send out a new card in 5-7 business days. When I got the card in the mail a week later, I found that the number was the same number that had the fraud charge on it. I called the bank back and they told me that this was their error, and they will send me out a new one in 2-3 business days. I received that card 3 days later in the mail with a different card number and when I tried to activate it, it wouldn't work. I called the manager in XXXX XXXX, and he told me that there was no other way to activate it other than on the phone or online ( again didn't work ). I didn't like my answer, and I called the manager XXXX in the XXXX XXXX location to get this sorted. Upon further investigation ( after being on hold for an hour and a half ) I found that the number that was sent to me was deactivated for an " unknown reason '' ( XXXXXXXX XXXX words ). She then told me that the card will be at my residence on XX/XX/XXXX or XX/XX/XXXX. It is currently XX/XX/XXXX and no information and no card. I called them back and they told me they're going to call me tomorrow to figure this out. My problem is, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has been 3 weeks. I live in XXXX so I ca n't drive down to the nearest bank.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a complaint to XXXX XXXX  showing they are reporting late payments on my credit. I provided all my bank statements to show that i paid more than what is asked, and before the payment due date. However, they have reported " no payment or late payment '' i called asking why they are reporting late payments, but they said, " payment rejected ''. If payment is rejected then why haven't : 1 ) the Company emailed, called me and say we apologize sir, but your payment did not go through? 2 ) anytime my payments reject, my bank notifies me either with email or a call saying payment returned. where is the returned money? where is the rejected payment stated on my monthly statement? it does not show because I called the bank and they even said that all my payments went through. So, if my payments went through, why is XXXX XXXX rejecting them? i asked a few lawyers I know, and they told me sometimes companies will scam extra money out by rejecting the payment, then try again after the payment due date so the consumer has to pay late fees. Well, it seems this is what XXXX XXXX is doing because all my bank statements, bank tellers i spoke to all stated all my payments went through, and any time someone rejects the money, I am supposed to get it back, but nothing was returned to me. After making a first complaint, XXXX XXXX returned that they are the ones looking into the matter and OfCourse found nothing wrong. I want an outside source looking into this matter because I have bank statement proof that i paid more than the amount and before due date.

Company response to consumer: Closed with non-monetary relief