vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: DE

Complaint narrative:
Dispute of Inaccurate Reporting Account # XXXX Dear Equifax Dispute Department , I am writing to formally dispute the inaccurate reporting of the above-referenced account on my credit report. According to your records, this account reflects a balance of {$16000.00}. However, I have documentation ( attached for reference ) from XXXX XXXX XXXX stating that the actual deficiency balance is {$5600.00} after the repossession and sale of the collateral. This discrepancy is not only significant but is a violation of the Fair Credit Reporting Act ( FCRA ) 1681i and related consumer protection laws.

Grounds for Dispute : 1. Inaccurate Reporting ( 1681e ( b ) ) : Under the FCRA, credit reporting agencies must ensure the accuracy and completeness of all information reported. The discrepancy between the actual deficiency balance provided by XXXX XXXX XXXX and the amount being reported by Equifax clearly demonstrates a failure to meet this requirement. 

2. Verification Requirement ( 1681i ( a ) ( 1 ) ) : I request that you immediately conduct an investigation into this matter and verify the accuracy of the reported balance. If the creditor can not substantiate the reported balance of {$16000.00}, this account must be corrected or deleted from my credit file. 

3. Unfair and Misleading Information : Reporting an inflated balance misrepresents the true state of this account, which negatively impacts my creditworthiness and violates consumer protection principles.

4. Potential Violations of FDCPA ( 807 ) : If this inaccurate balance is being communicated as an attempt to collect a debt, it may constitute a false or misleading representation under the Fair Debt Collection Practices Act ( FDCPA ).

Action Demanded : - Immediately remove or correct the inaccurate reporting of this account within 30 days, as stipulated by the FCRA. 
- Provide written confirmation of the outcome of your investigation. 

Attached to this letter is documentation from XXXX XXXX XXXX showing the correct deficiency balance, which unequivocally supports my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank usa violation of the fair credit reporting act ( fCRA ) ( 15 usc 1681b ( a ) 3 ( f ) ( i ) and 1681g ( a ) ( 5 ) for unlawfully obtaining my XXXX and XXXX consumer report on XX/XX/XXXX and XX/XX/XXXX. COAFviolation of the fair credit reporting act ( FCRA ) ( 15 usc 1681b ( a ) 3 ( f ) ( i ) for unlawfully obtaining my XXXX  and XXXX consumer report on XX/XX/XXXX and lastly XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accont on my report.please remove this account from my credit report. it hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
My IRS Tax refund was deposited into the account. I started using the funds and the account was frozen. I provided all necessary documents for the deposit and to verify my identity. The account was closed and almost XXXX XXXXXXXX of funds were kept by the bank with out a refund being issued after the expected return timeframe. Its been over a year time and still no answers for anything. Ive read deposit agreements which stated that my deposit was in compliance with the agreement signed and dont see any further reason why the account was closed and withheld. I contacted irs they explained no request were made on their end nor was the funds returned to them either. As a result of this I caused some self harm to myself due to me losing my way of life ( home, job, & car ) in which chime contacted my local police department and sent them to my Job weeks later. Ive contacted lawyers and have sent intentions to peruse legal action. Ive made complaints with XXXX  still no resolution. Ive tried all I could to resolve this issue and receive funds after numerous employees from chime said I should receive funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: DE

Complaint narrative:
Dispute of Inaccurate Reporting Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate reporting of the above-referenced account on my credit report. According to your records, this account reflects a balance of {$16000.00}. However, I have documentation ( attached for reference ) from XXXX XXXX XXXX stating that the actual deficiency balance is {$5600.00} after the repossession and sale of the collateral. This discrepancy is not only significant but is a violation of the Fair Credit Reporting Act ( FCRA ) 1681i and related consumer protection laws.

Grounds for Dispute : 1. Inaccurate Reporting ( 1681e ( b ) ) : Under the FCRA, credit reporting agencies must ensure the accuracy and completeness of all information reported. The discrepancy between the actual deficiency balance provided by XXXX XXXX XXXX and the amount being reported by Experian clearly demonstrates a failure to meet this requirement. 

2. Verification Requirement ( 1681i ( a ) ( 1 ) ) : I request that you immediately conduct an investigation into this matter and verify the accuracy of the reported balance. If the creditor can not substantiate the reported balance of {$16000.00}, this account must be corrected or deleted from my credit file.

3. Unfair and Misleading Information : Reporting an inflated balance misrepresents the true state of this account, which negatively impacts my creditworthiness and violates consumer protection principles.

4. Potential Violations of FDCPA ( 807 ) : If this inaccurate balance is being communicated as an attempt to collect a debt, it may constitute a false or misleading representation under the Fair Debt Collection Practices Act ( FDCPA ). 

Attached to this letter is documentation from XXXX XXXX XXXX showing the correct deficiency balance, which unequivocally supports my claim.

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sezzle Inc.
State: CA

Complaint narrative:
XX/XX/year> I asked them to help me make a payment of {$9.00} that wasnt going through even though I was using the same card to make payments for the same merchant on other orders. They didnt help or get back to me and closed the ticket request which resulted in a late fee and my payment not going through on time. This balance was then reported as late to the credit bureaus. I got in touch with them again on XX/XX/XXXX and was finally able to make the payment after I got customer support from a person and not a bot however they didnt amend the false late payment due to the payment glitch in their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am being discriminated against with PayPal services. They refuse to give me specifics details and they closed two of my accounts because in 2017 someone tried to hack into my account and they are blaming me for it as a business owner it's unfair and unjust. This is horrible customer service and a lack of investigation into the problem. I am permanently banned from the company and I'm seeking justice for that reason ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Charged XXXX for membership fees not authorized to this XXXX Bank Credit Card. XXXX Bank and XXXX XXXX both gave me the run around and pointed fingers at the other. Neither took responsibility for their illegal activity.

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 2024-12-15 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: WI

Complaint narrative:
Subject : XXXX XXXX TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information. 

Dear Consumer, XXXX XXXX XXXX, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$XXXX} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-12-15 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: GA

Complaint narrative:
I am filing a complaint against XXXX regarding the reporting of a charge-off on my credit report. The account was charged off, but the reported balance and other details vary across the three major credit bureaus ( XXXX, XXXX, and TransUnion ). The inconsistencies between the credit bureaus may negatively affect my credit score and have caused me significant distress.

Under the Fair Credit Reporting Act ( FCRA ) Section 1682e ( b ), credit reporting agencies are required to ensure the information they report is accurate and consistent. Despite my attempts to resolve this matter directly with XXXX, they have failed to correct the discrepancies, and the incorrect information remains on my credit report. 

I am requesting that XXXX be required to investigate and correct or remove this inaccurate charge-off report. I believe this issue violates my rights under the FCRA.

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 2024-12-15 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: GA

Complaint narrative:
I am filing a complaint against XXXX regarding the reporting of a charge-off on my credit report. The account was charged off, but the reported balance and other details vary across the three major credit bureaus ( XXXX, Equifax, and XXXX ). The inconsistencies between the credit bureaus may negatively affect my credit score and have caused me significant distress.

Under the Fair Credit Reporting Act ( FCRA ) Section 1682e ( b ), credit reporting agencies are required to ensure the information they report is accurate and consistent. Despite my attempts to resolve this matter directly with XXXX, they have failed to correct the discrepancies, and the incorrect information remains on my credit report. 

I am requesting that XXXX be required to investigate and correct or remove this inaccurate charge-off report. I believe this issue violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
I am filing a complaint against XXXX regarding the reporting of a charge-off on my credit report. The account was charged off, but the reported balance and other details vary across the three major credit bureaus ( Experian, XXXX, and XXXX ). The inconsistencies between the credit bureaus may negatively affect my credit score and have caused me significant distress.

Under the Fair Credit Reporting Act ( FCRA ) Section 1682e ( b ), credit reporting agencies are required to ensure the information they report is accurate and consistent. Despite my attempts to resolve this matter directly with XXXX, they have failed to correct the discrepancies, and the incorrect information remains on my credit report. 

I am requesting that XXXX be required to investigate and correct or remove this inaccurate charge-off report. I believe this issue violates my rights under the FCRA.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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 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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX  XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
AXXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I arranged for my XXXX XXXX XXXX phone bill to be due on XX/XX/XXXX. I made a payment of {$100.00}, which posted on XX/XX/XXXX, and paid the remaining balance of {$7.00} on XX/XX/XXXX. However, on XXXX  morning, I received an alert that my account was overdrawn, and I began receiving notifications that other bills were bouncing due to insufficient funds. 
I first tried chatting with someone on the BMO banking app for assistance, but I was told to contact the merchant instead. When I spoke with the merchant, they couldn't see any hold on their end. I then visited a BMO bank branch in person to seek further answers. There, I was informed that the phone company had placed an unusually long hold on the payment but that I wasn't actually overdrawn ; my account was in good standing, and I should be able to pay the bills that were due. 

The next morning, despite these assurances, I continued to receive notifications of bounced payments due to insufficient funds. I returned to the bank to seek some form of remedy for an issue that was clearly not my fault. I was told there was nothing that could be done and that the hold would be dropped today, XX/XX/year>. As of this morning, the hold has not been lifted from my account. 

I've already incurred a late fee on one of the balances that was rejected due to insufficient funds, even though the bank assured me this wouldn't happen. I explained to the bank that it doesn't make sense for them to allow any of hold when I have overdraft protection enabled on the account, and yet the hold caused me to overdraft. Now, I could potentially lose my business website because there aren't enough funds to cover the upcoming balance this week. 

I'm losing even more money due to accumulating late fees and lost privileges because of someone else 's error, and I'm not receiving any compensation or assistance for this issue. This situation has taken three days away from metime that should have been spent getting my startup off the ground.

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 2024-12-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Violation of 15 USC 1681 - Accuracy of Reporting by Experian Dear XXXX, I am writing to formally report a clear violation of the Fair Credit Reporting Act, specifically 15 USC 1681, concerning the accuracy of reporting by Experian. 

I had a credit card account with XXXX XXXX XXXX  for over one year, which had a positive impact on my creditworthiness. However, I recently discovered that this account has been deleted from my credit report without any prior notice or justification. As per the regulations, a reporting agency is prohibited from removing a verified account from a credit report. 

I have attached my credit report from XXXX for your review. Please take note of the open and closed dates associated with this account. The deletion of this account is not only unjust but also detrimental to my credit score and overall financial health.

I kindly request that you investigate this matter and take appropriate actions against Experian for this violation. 

Thank you for your attention to this important issue.

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 2024-12-15 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:
I am disputing the inaccurate reporting of a XXXX account on my credit report by XXXX. The account is listed as charged-off, but a past-due balance of {$2800.00} is incorrectly reported. Additionally, there are 16 consecutive months of negative updates, which I believe is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief