vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX XXXX, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX XXXX on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in XXXX XXXXXXXX and {$96.00} on the account ending in XXXX XXXX. I have confirmation of these payments from my checking account, which ends in XXXX XXXXXXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX XXXX. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX XXXX  accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX XXXX. I look forward to a swift resolution of this dispute.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
Yes my account was closed back in XXXX I have been reaching out to this bank about my available funds in the account because my account was compromised and I was told by the merchant my refund was sent to this account. They will not tell me anything keep saying its under review but in reality they dont want to give me my funds out on my account its been 3 months they have no number to call then them dont respond back to emails! Im upset because I have been patient waiting on my funds out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rogers, Morris & Ziegler, LLP
State: IL

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Untimely response
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness.

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There's information on my credit report that is not accurate and i would like it to be removed asap. Its stopping me for getting a home and car and it needs to be removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Management of my XXXX XXXX credit card account was transferred to Comenity in XXXX of XXXX. Under the previous management, my bills were paid in full every month via automatic payment. 

I received a letter from Comenity, dated XX/XX/XXXX, stating that the automatic payment arrangements on my account did not carry over to Comenity when the account was transferred and that because of this error, Comenity would not charge late fees to my account for the next two billing due dates. ( See Document 1 ). 

I reviewed my XXXX bill online and saw that there were interest charges to my account that resulted from the auto payment omission. I immediately contacted Comenity Customer Support and requested that the charges be removed. I was told that some of the interest charges could be removed but that a charge of {$110.00} could not be removed because it was related to my account balance exceeding my credit limit. ( See Document 2 ). This account balance problem was another consequence of Comenitys auto payment omission.

The Comenity Customer Support representative agreed that the charges were due to Comenitys error and offered to submit a claim for reimbursement on my behalf. I received a letter from Comenity, dated XX/XX/XXXX, confirming that this claim had been filed. ( See Document XXXX ). 

The confirmation letter asked that I allow up to 90 days to complete the investigation. The process took over six months to complete and would probably still be ongoing if I had not been calling Comenity Customer Support every other week to check the status and try to move things forward.

I finally received a letter from Comenity, dated XX/XX/XXXX, indicating that my request for reimbursement had been denied and that the claim had been closed. The reason for denial was that Comenity had received my XXXX payment after the due date and that the finance charge was valid. There was no mention of the original issue of charges related to my exceeding the credit limit. The decision also does not consider that late payments in XXXX were supposed to be forgiven due to the auto payment omission. In any case, the explanation is totally out of sync with the original claim. ( See Document 4 ).

I contacted Comenity Customer Support after receiving the latest letter and was told that since the claim had been closed, there was no way for them to look at it to see the original claim description or any notes that had been added to the claim. I was told that the only way to re-open the issue was to start over and file a new claim from scratch. 

I wrote a summary of all the actions that had been taken and submitted it to Comenity by mail on XX/XX/XXXX. In the letter I requested that the issue be re-opened and asked for a response within XXXX business days. As of XX/XX/XXXX, I have not received a response to my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has caused me damage in the form of adverse action by reporting fraudulent inquiries to my consumer report. I have proof of this in the attached screen shots of my consumer report with fraudulent inquiries as well as a copy of the adverse action letter that was sent to me citing Equifax as the provider of my consumer report in this matter. My social security card is a credit card by definition and was used, providing a benefit to Equifax and XXXX, however I never received any benefit which constitutes my unauthorized use of my credit card. This is a criminal violation. In addition the FTC regulates the fact that consumers must not be mislead in any commercial dealings. For XXXX and Equifax to lead me to believe either of them were providing me a loan is misleading and punishable by fine and imprisonment. Please govern your selves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I noticed a couple months ago that nelnet was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXXXXXX XXXX I contacted XXXX to tell them that the loans were not mine they responded that nelnet verified the loans were mine. I contacted nelnet they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said nelnet stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if nelnet can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My account with Westlake financial was paid by my insurance company and XXXX  coverages, a XXXX loan was paid, they said it was {$80.00} left over and repeated me XXXX  days late. 
I have tried to talk to Westlake several times but the language barriers and people there are no help, this {$80.00} has cost me a lot of money and time these past XXXX days it has hurt my score XXXX points, and I cant get approved for anything at the moment.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This item is not allowing me to XXXX  my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.

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 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Island Finance Puerto Rico
State: TX

Complaint narrative:
Personal loan taken from Island Finance on XX/XX/XXXX with maturity date XX/XX/XXXX. In XX/XX/XXXX after hurricane Maria while doing my payment over the phone the representative offered to skip up to 4 months of payments and extend the maturity date in the same proportion. I skipped 3 months and accepted to pay until XX/XX/XXXX. While doing my last payment they informed that the payoff is over {$2000.00} because of interests from the extension. The company is informing that if the total amount is not paid by XX/XX/XXXX then it is going to be reported to the credit bureau. They indicate that interest is calculated daily ( similar to revolving accounts ). The bank failed to disclose interest calculation. The company sold loans with grace period of 10 days but charge additional interests during that period in addition to the late fees. The bank failed to disclose the calculation in a monthly basis and waited 8 years to disclose the accumulated interests. I requested payment history several times and at this moment no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian it is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. I have made several disputes on XXXX XXXXXXXX XXXX XXXX XXXXXXXX, please delete erroneous immediately. A proper reinvestigation was not completed or you would see all the inaccurate and incomplete information on my consumer report. Here are a list of inaccurate and missing information I found. 
1. XX/XX/XXXX I was not XXXX days late see bank statement. 
2. XXXX XXXX not XXXX  days late but actual amount paid section has {$240.00} paid. 
3. XXXX I was not XXXX days late because I paid in the actual amount paid section. 
4. XX/XX/XXXX has ok but missing actual amount paid section. 
5. XX/XX/XXXX has ok but missing actual amount paid section. 
6. Missing information in the payment history data XXXX XXXX XXXXXX/XX/XXXX and missing information : Amount balance, Date payment received, scheduled payment amount, actual amount paid. 
7. XXXX XXXX  XXXX XXXX information : Amount balance, Date payment received, scheduled payment amount, actual amount paid.

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 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I used my debit card to purchase a casher 's check from Bank of America on XX/XX/XXXX and mailed the check to my property management company via USPS. Unfortunately the USPS lost my mail. I called the Bank of America on early XXXX, XXXX right after I found the check might be lost. But Bank of America told me they were not able to put a stop on a casher 's check. I have to wait for 90 days then file a claim. 

After 90 days, I went back to the Bank of America branch, they found the casher 's check was deposited by someone else on XX/XX/XXXX. They filed a fraud claim for me and issue me {$1500.00} credit back to my account on XX/XX/XXXX. 

However, on XX/XX/XXXX, I receive an letter from Bank of America said my claim was declined and they would reserve the {$1500.00} from my account on XX/XX/XXXX because I used my debit card and pin during the transaction. I think the investigation they did was regardless the cashier 's check fraud. I did use my debit card and pin to withdraw the {$1500.00} to purchase the cashier 's check. The issue is the casher 's  check was stolen and deposited by someone else. 

After I received the letter, I went to Bank of America branch again, explain this to them. The banker helped me to reopen the case and asked their fraud department to reconsider it. I was also told they would not withdraw the {$1500.00} credit from my account until final decision. 

Today XX/XX/XXXX, I found {$1500.00} was deducted from my account. I called Bank of America and was told they was not reopen my case yet. 

So far, they did not provide the name who deposited the check and which bank the check was deposited to. Only gave a copy of the deposited check. But no signature on the endorse area. 

Could you help on my case? Let me know if you need any other information. Thank you very much.

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