vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the immediate removal of any other personal identifiers that are not exactly as stated above. If you continue to report information that is not in full compliance with the mandatory procedures for lawful reporting, I demand that you provide irrefutable proof of the accuracy of these claims and the processes followed in reporting them. 
I assert my legal right to have only accurate, current, and fully verified information on my credit report. Therefore, I am requesting that you delete all data related to the XXXX XXXX and XXXX XXXX XXXX XXXX accounts that do not meet these standards. 
Please send me physical documentation that confirms your compliance with all reporting requirements. If you can not provide this proof, I demand the immediate deletion of the above-mentioned items from my credit report. 
According to 15 U.S.C 1681e, 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.

Additionally, 12 CFR Part 1022 ( Regulation V ) requires that furnishers : Furnish information with integrity.

Ensure the accuracy of the information.

Conduct reasonable investigations of consumer disputes.

Metro 2 compliance standards must be followed to ensure data integrity. Any deviations from these standards compromise the accuracy of the reported data, which is a violation of my consumer rights.

I challenge you to prove that the reported information regarding the XXXX XXXX and XXXX XXXX XXXX XXXX accounts has been lawfully and accurately reported. If you can not do so, I demand that you remove these items immediately. 
Failure to address this matter properly will compel me to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General.

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 2024-08-14 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: NC

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My paypal account was closed, I had some unauthorized transactions and filed a dispute and it was ruled in my favor, paypal said I couldn't transfer my funds until 180 days is up I waited 180 days passed and now they are giving me the runaround or just are telling me they are waiting on some department to release my funds and they are sorry they are past the time frame their policy says or they just tell me they don't know anything or what to do. Basically each representative just repeats a scripted response or tells me something different or are clueless but no one wants to help or cares. The email address on file with paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have a bank account with Bank of America, but now I live overseas and I am trying to close it. My online access was blocked due to some obscure security measure. I called the bank and was told to travel all the way to XXXX XXXX, XXXX ( a XXXX-hour flight from XXXX, where I live ). I went to the address I was given, but the local branch didn't even allow me inside, alleging they operate independently from the US system. I called again and the only thing they say is that I have to go to a BOA branch in the US. 
The problem is that I don't have any plans to travel and the amount of money is just over {$2000.00}, so it wouldn't make any sense to pay for a trip which would be more expensive than the money I am trying to retrieve. 

I traveled to XXXX XXXX because of a bank mistake and now I'm in a humiliating situation, having to beg for my hard-earned money. 

In my most recent attempt to contact BOA, I was provided with the contact information of a person who is never available and does not return my calls, despite leaving messages on her voicemail.

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 2024-08-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
XX/XX/XXXX closed CD Marcus confirmed in email XX/XX/XXXX CD maturity XXXX contacted Marcus 2x XXXX and XXXX reps Hasnt closed yet! 
XXXX Marcus supervisor XXXX admitted Marcus made an error and renewed CD by mistake. Confirmed will be transfer to my bank account on file 3-5 business days NO early withdrawal penalty since Marcus renewed against my XX/XX/XXXX instructions to CLOSE! 
XX/XX/XXXX STILL HAVE NOT RECEIVED MY MONEY. NOT TRANSFERED!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
I am writing to formally submit a second complaint against Experian regarding my ongoing issues with identity theft and their failure to accurately address the discrepancies on my credit report. I have previously reached out to Experian directly, but my concerns remain unaddressed. 

As I stated in my original complaint, I am a victim of identity theft, and the following accounts are a direct result of this criminal activity : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$630.00} - Original Creditor : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Phone # : ( XXXX ) XXXX XXXX. XXXX XXXX XXXXXXXX - Account # : [ Insert Account Number ] - Date Opened : XX/XX/XXXX - Reported Balance : {$530.00} - Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX Phone # : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$520.00} - Original Creditor : XXXXXXXX XXXX XXXX XXXX  - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX - Phone # : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$560.00} - Original Creditor : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX XXXX Phone # : ( XXXX ) XXXX Additionally, I have noticed the following addresses appearing on my report that are not mine and have never been associated with me : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX have also identified employers listed on my report that are not and have never been associated with me : - XXXX XXXX XXXX - XXXX XXXX Furthermore, there is an account that I have paid in full with no late payments ; however, it continues to display late payments and a {$0.00} balance : XXXX XXXX XXXX* - Account # : XXXX XXXX Date Opened : XX/XX/XXXX - Reported Balance : {$0.00} - Original Creditor : XXXX - Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX # XXXX XXXX XXXX ) XXXX Additionally, I have discovered inquiries on my report resulting from identity theft, as I have never applied with the following companies : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am writing to report a serious issue with Nelnet, my student loan provider. Nelnet has incorrectly reported to the credit reporting agencies that I am 180 days late on my payments for XXXX. However, my student loans were forgiven in XXXX, so this report is inaccurate and misleading. This erroneous reporting has resulted in a XXXX drop in my credit score, significantly affecting my financial stability and overall livelihood. 

This situation violates the Fair Credit Reporting Act ( FCRA ) under Title VI of the Consumer Credit Protection Act ( 15 U.S.C. 1681 et seq. ), which mandates that all information reported to credit agencies must be accurate and complete. The incorrect status of my loan payments is not only damaging but also a clear breach of these legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am writing to file a complaint against USAA regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the USAA website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA. 

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late payments after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected.

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

Thank you for your immediate attention to this matter. I look forward to your response and resolution.

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 2024-08-14 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA. 

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late paymen
ts after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected. 

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

Thank you for your immediate attention to this matter. I look forward to your response and resolution.

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 2024-08-14 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 account with XXXX 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.

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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXXXXXX

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 2024-08-14 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: TX

Complaint narrative:
Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
My account with Experian 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.

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.

Experian 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 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 2024-08-14 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi has reported my account late to the credit bureaus, however, there was not attempt to speak with me about a late payment. I have spoke with Citi and they have no record of them attempting to contact me or speaking with me at all about a past due amount. I am requesting that Citi REMOVE THE REPORTS TO ALL CREDIT BUREAS or provide proof that they spoke with me directly about a late payment before reporting to the credit bureau.

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