vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and XXXX both report the last update as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while Equifax and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o Equifax : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and XXXX both show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the Equifax and XXXX reports. 
XXXX CREDIT LIMIT : for Equifax is reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how XXXX should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover is inaccurately reporting that my account is XXXX  days pass due on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. 

Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: LA

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter certified to Experian on XX/XX/year>, here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Experian stated they completed the investigation but all the info requested was not provided or updated, I was asking for the original loan amount, the original date the creditor reported not the collection agency 's that kept purchasing the debt, they have the collections as if the loan just became delinquent and not all the original info for the original creditor as stated XXXX. this is some of the things I asked for. 
XXXX Creditor : The name and address of the original creditor who extended the credit. 
XXXX. Original Delinquency Date of XXXX : The date the debt was incurred. 
XXXX. Amount of XXXX : The original amount of the debt. 
XXXX. XXXX XXXX : The current balance of the debt. 
XXXX. Validation of Debt : A copy of any written contract or agreement that I signed.

I believe this is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) 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 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 2024-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV funding llc has been on my credit report for years now. Ive disputed many times theyve charged multiple different amounts everytime it comes on and off my account. Ive paid the company they told me to pay when I called and charged me XXXX XXXX  to never take anything off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NY

Complaint narrative:
Account Number : XXXX Date Opened : XXXX  Amount Owed : {$1000.00} Action : Company closed card and now has defaulted to collections, effecting my personal credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quest Legal Group
State: TN

Complaint narrative:
I received a letter from Quest Legal Group stating I owe XXXX installment loan in the amount of XXXX but they would settle for XXXX.I called the number listed no one ever answers the phone left message explaining I have never heard of or got funds from a company called XXXX.Asked for documents related to this loan with my information.Have not received any documents from them but did receive an additional letter threatening court summons if I did not pay the XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and TransUnion both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : Transunion has a different account number, while XXXX and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o TransUnion : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and TransUnion both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the XXXX and TransUnion reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to TransUnion and how XXXX should have reported the high credit, this requires a correction as well. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

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 non-monetary relief
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint against Transunion regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ).

I previously disputed the following items on my credit report with TransUnionbecause I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : Not Mine Creditor/Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ) XXXX My FTC report reference number is XXXX. Despite this, the disputed accounts remain on 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 non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am writing to file a complaint regarding an issue with a transfer between my accounts at Citizens Bank and XXXX XXXX, which remains unresolved despite numerous attempts to fix the problem. 

On XX/XX/XXXX, I opened a new account at Citizens Bank and initiated a {$5000.00} transfer from my XXXX account ( transfer # XXXX ). The funds left my XXXX account on XX/XX/XXXX. Subsequently, I initiated a second {$5000.00} transfer on XX/XX/XXXX ( transfer # XXXX ), which was stopped for security reasons. Because of this, I received an email from Citizens stating that the first {$5000.00} transfer also did not complete, even though the funds had already left my XXXX account. 

To meet my total transfer requirement of {$15000.00}, I initiated a {$10000.00} transfer on XX/XX/XXXX and another {$5000.00} transfer on XX/XX/XXXX, via the XXXX website, both of which were successful. However, the initial {$5000.00} remains unaccounted for. Despite multiple follow-ups with both banks, the {$5000.00} has not been returned to my XXXX account or credited to my Citizens account. 

I have made XXXX separate calls to both institutions, totaling over 2 hours and 35 minutes on the phone, without resolution. It has been over 30 days since the initial transfer attempt, which exceeds the 20-day period specified in Regulation E for resolving such issues. While I appreciate the overall customer service at XXXX, they have been unable to resolve the issue due to limitations in their authority, and their research team has failed to contact me. Meanwhile, Citizens Bank has not provided adequate support or resolution, and has even stated that they are simply unable to find a trace ID for the transfer. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
My accounts with XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  were never late! I have had exceptional payment history witH capital XXXX 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 XXXX, XXXX, XXXX, AND XXXX 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. XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I attempted to cash a check through PayPal and I took a picture of the front and the back. They then approved the check and then I wrote void across the check as I normally do. I then submitted the check with void wrote across it and was then told they would not cash the check. I now have a check with void wrote across it. I made XXXX different calls to them and was told to wait XXXX minutes the first time, XXXX the second and my account was still locked. I then called the XXXX time to be hung up on and the XXXX call I was told there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I went to a Chase bank ATM to withdraw cash. The ATM was located inside the bank. I placed my card in the ATM and inserted my PIN. I selected the amount ( {$300.00} ) of my withdrawal and the account. After several minutes of the machine counting, I received a message to remove my card. The machine didn't dispense any cash nor did it dispense a receipt. I waited at the machine for several more minutes while it was still making the counting noise. An employee from the bank approached and ask if they could be of assistance. I explained the situation to her. I then re-attempted the transaction on the ATM and received a message stating the machine was unable to dispense cash. The employee said she would place the ATM out of service. I then went to the employee 's desk where she placed several phone calls. She instructed me that since Chase wasn't my bank I would need to file a dispute with my bank ( XXXX ), which I did. The employee gave me a the branch managers card and said she would notify her of the situation. She said if I or my bank had questions to call. After nearly XXXX weeks I received a notice from XXXX stating that my dispute was closed, and they had refused my dispute. I contacted them and asked for my dispute to be re-asserted and to send me the information that they used to make this decision. They sent me XXXX paragraphs of code describing the transaction but no evidence of cash being dispensed. There was no video from the bank or the ATM, or any information from the ATM just an electronic notification that a transaction had happened. I am still waiting to hear from XXXX. The {$300.00} charge has been applied to my account. {$300.00} withdrawl and {$3.00} ATM fee. The rep at Chase said she remembers the situation and would talk to my bank if needed. I eventually went to the teller at the bank and successfully received cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied this XXXX XXXX signature card in XX/XX/2024 for the XXXX mile bonus with {$4000.00} spending within 3 month requirement and I made that requirement within that period. I made sure with XXXX before I start to using the card that Terms still attached to the card on activation process. but I didn't received it up until now. I requested that to the manager line XXXX times that I didn't received sign up bonus mile as it described on application form. 

But my request was declined.

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 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always pay my bills on time, but Im confused about why this company has reported late payments for certain months. Under USC 1666b, billing errors should be fixed and marked as paid 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 non-monetary relief
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
I always pay my bills on time, but Im confused about why this company has reported late payments for certain months. Under USC 1666b, billing errors should be fixed and marked as paid 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