vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
XX/XX/XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report, I sent a letter to Experian on day XX/XX/XXXX, asking them to reinvestigate these accounts : XXXX  XXXX XXXX # XXXX, XXXX, and here is my tracking number ; XXXX on day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general If, after any reinvestigation under paragraph ( 1 ) 0f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly deleted that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer EXPERIAN .

And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. 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.

And according to 15 USC 1681s-2 this os supposed to happen ( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an official document saying they did something they did not do, and I have evidence to prove my case.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: VA

Complaint narrative:
Experian has my bank account information showing on my consumer reports without deposits made by employer and all transactions and I want it removed immediately as well as I want to opt out of all three credit agencies being able to access my personal information and account information and anything concerning or pertaining to my social security number permanently

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 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since the, beginning of XX/XX/XXXX. I open an account at the branch office in XXXX California come to find out recently I have been according to the Bank of America customer with them says XXXX, but seeing as I had previously closed my account that I had open in XXXX, California it shouldve been a brand new account as of XXXX. I havent had nonstop Im going to issues with somebody either. We riding my payments or taking from the account making purchases withdraws as well as transfers without consent when contacting Bank of America to investigate this information, they do not provide proper details regarding the situation for example, purchases madeby XXXX for items that were not receive but yet do not show up on the account statements as paid for of even reversed. Im under the impression it has been done internally by somebody that works for Bank of America and this issue needs to be thoroughly investigated as I continue to have to report unauthorized charges as well as receive a new card like 6x in one month. 
All the companies are involved in creating this chaos with my identity are XXXX, XXXX Bank of America as well as XXXX some familiar has to do with the stock market put two and two together you guys are investigators. You guys should be able to figure it out I did, but nobody wants to listen to me about it.!

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 monetary relief
Consumer complaint received 2024-10-24 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: PR

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.

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 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
You are all scammers in this department. You live off people 's taxes! You support the fraud and deception of Bank of America! This XXXX bank they deceived me and indicated incorrect information in the credit report that I did not pay! I do not trust you in your department! You do not care about people like me, about all consumers! If you do not punish this fraudulent structure like Bank of America, for me it means that you yourselves are the same fraudsters. You can not be trusted! You just don't care and you don't care at all about ordinary people like me with my problems and complaints regarding such scumbags, outlaws, crooks and bandits from Bank of America. This financial structure deceives people and earns billions of dollars on such deceptions and fraudulent schemes, and your state structure covers it up! You work together, earn money together, these steal money, deceiving ordinary people and swindling hard-earned money from people, such a vile and disgusting structure as the Bank of America XXXX and your state department simply covers up these fraudulent actions! I don't believe you, you all fell flat on your faces! Fraudsters, thieves, crooks, cheaters, swindlers, bandits, scumbags from Bank of America! And I also don't trust your state department, your organization - because you do nothing, you support and approve of it, you support and allow it! Your state structure, you simply encourage this fraud, you pat them on the head!

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: CO

Complaint narrative:
wednesday XXXX XXXX XXXX XXXXXXXXXXXX XXXX 
spoke with 2 individuals form credit control , LLC. 
in regards to a account that they had purchased from a differint company, Gentalman whos name I have on hand refused to answer any questions I had asked. continuously spoke over me and insulted me. 
told me that he does not have to verify and validate any of my questions, and demanded I pay the account. 

I asked for validation of my consent to owing the comapny a debt, and if they have a electronic and or hand written signature from me agreeing to pay them. 

the gentlman said he doesnt have to prove anything and that I should just pay the bill. 

I also asked if the debt was purchased by his company? again to imply I do not owe anyone of the collections company and any of its subsidiaries any money. 

the gentlman again told me that im XXXX and became verbally aggresive and then repeated himself several times to pay a debt. 

when I informed him that his actions are out of line and abusive, he hung up on me. 
XXXX XXXX XXXX. 

I called back the company number immediately and the gentleman picked up the phone, and set it next to a t.v.. refused to answer. 
waited 20 seconds. and hung up on me again.. 
XXXX XXXX XXXX. 

I called again for the 3rd time immediately, and got ahold of a lady at first, informed her of her associates behavior and that I would like to file a formal complaint. 
before I was able to get to file a complaint I verified my informationas to who I am. 
I did request that upon the completion of our phone call I would like a copy of the signed contract between me and the company that I owe them a debt., she refuesd and told me that not how they do things there. 
then I requested for information on whom did they aquire the debt from? and if it was purchased or a partnership? 
the lady said we cant do that. 
then proceed to ask how I want to [ pay for a debt. 
I refused when I heard attitude and anger in her voice, and asked her I would like for communication to be done via writting, and that I need a copy of the aggrement that show a signature from me to them. 

the lady hung up on me. 
XXXX XXXX XXXX. 

names of the associates can be given upon request and copy of notes

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 2024-10-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I reached out to the debt collector via certified mail the collector could not respond with accurate information so according to 15. U.S.C 1692 it must be removed

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was XXXX days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & TransUnion ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).

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 2024-10-24 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: TX

Complaint narrative:
In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( Experian & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: DC

Complaint narrative:
My report lists hard inquiries I didnt approve under 15 USC 16c-2. Theyre incorrect and must be removed.

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 2024-10-24 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS IS A FCRA VIOLATION OF : 15 USC 1681B 15 USC 1681N 15 USC 1681Q 15 USC 1681E

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I still have a balance of XXXX XXXX  in Chase Bank XXXX They said they closed my account and sent the balance in my address in XXXXXXXX XXXX but I have not received it. I talked to them and they said wait for it. I waited but no check for me arrived. I moved to XXXX XXXX and checked it again at Chase Bank and they told me they already sent it to my old address in XXXX. Please help and send your reply to my email address. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I XXXX XXXX XXXX last 4 of ss # XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$260.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XXXX XXXX Total fraudulent amount : XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$720.00} Credit Card Opened by the Thief XXXX XXXX XXXXwww.identitytheft.govXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX IDTheftReport Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$730.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$430.00} i am disputing the following information on my Equifax, XXXX , and XXXX credit report as it in inaccurate and negatively affecting my credit standing. The reported item from the following creditors with the account numbers located above is incorrect due to the identify theft. I did not authorize this account, nor do i owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well being. I am requesting under FCRA 605B ( 15 USC 1681c-2 ) that this inaccurate information be investigated and removed from my credit fi le. I have attached supporting documentation such as my photo ID and proof of address, to verify me and ensure this matter is resolved promptly. I appreciate your immediately attention to this issue and request that i be informed of the outcome of your investigation ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports

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