vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX,2024, I received a notification from the credit bureaus that my credit score had decreased by 100 points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a XXXX XXXXXX/XX/XXXX I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the XXXX XX/XX/XXXX. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, 2024.This {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped 100 points and it will take years to recover. I immediately tried to contact XXXX and have been trying to reach customer service regarding this issue with no contact with a live human since XX/XX/year>2024. XXXX 's phone system makes it impossible to talk to a human. Today, XXXX/XXXX/2024, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from XXXX stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like XXXX, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning. 


Additionally, I was supposed to recieve 75,000 reward points from chase after spending 4,000 in the first 3 months of opening the account, but I never received that.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX2024, I received a notification from the credit bureaus that my credit score had decreased by 100 points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a XXXX XXXX card, I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the XXXX app. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, 2024.This {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped 100 points and it will take years to recover. I immediately tried to contact XXXX and have been trying to reach customer service regarding this issue with no contact with a live human since XXXX XXXX, 2024. XXXX 's phone system makes it impossible to talk to a human. Today, XX/XX/year>, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from XXXX stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like XXXX, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning. 


Additionally, I was supposed to recieve 75,000 reward points from chase after spending 4,000 in the first 3 months of opening the account, but I never received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX,2024, I received a notification from the credit bureaus that my credit score had decreased by 100 points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a XXXX XXXX card, I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the XXXXXX/XX/XXXX. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, 2024.This {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped 100 points and it will take years to recover. I immediately tried to contact XXXX and have been trying to reach customer service regarding this issue with no contact with a live human since XX/XX/scrub> 2024. XXXX 's phone system makes it impossible to talk to a human. Today, XX/XX/scrub>/2024, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from XXXX stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like XXXX, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning.

Additionally, I was supposed to recieve 75,000 reward points from chase after spending 4,000 in the first 3 months of opening the account, but I never received that.

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 2025-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2025 Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.

2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.

3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.

I believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.

Accounts are reported in the correct status, including any that may be beyond the statute of limitations.

Any unverifiable accounts are promptly removed.

Please provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made.

I trust that Experian will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Winklevoss Exchange LLC
State: TX

Complaint narrative:
The app isXX/XX/XXXX Im pretty sure you guys got many complaints about them Ive deposited XXXX was ably to have my bank reverse XXXX worth of deposits but thats all they was able to do Ive waited weeks still no reply from email they dont have a real support number I have proof of deposits and balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I discovered a bank account that was opened using my personal information without my consent showing as paid and closed. Also on XX/XX/XXXX and XX/XX/XXXX, I discovered a collection company wrongfully reporting against me in the amounts of {$860.00}, {$1600.00}, and {$1500.00} showing as collection account past due as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Experians actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian complies with the federal law and provides consumers with the necessary proof of investigation. 

Accounts reported : XXXX XXXX XXXX XXXXXX/XX/XXXX 
XXXX University XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXk XXXXXX/XX/XXXX Dept Ed 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 2025-01-24 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This happened back in like 2002 I never opened aXX/XX/XXXX account card and filed a fraud affadavid and they still keep sending me court letters and garnishments even tho the garnishments were dissolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Within my Bank of America account on their website I mistakenly transferred {$20000.00} to my Bank of America Visa card instead of transferring funds from savings to checking. I called them an hour later after noticing the mistake. They informed me on the phone that this could be fixed but would take up to 10 business days. After 10 business days I called back and was told that they didn't know what had happened but that they could refile the request and I would need to wait an additional 10 days. After 10 more business days I called in and was told they didn't know what had happened but that they would escalate the request and I would have my money in 3 business days. After my money wasn't in my account after 4 business days I called in again and spoke with 2 agents who told me it would be another 10 business days and that the previous agent who had told me it would only be 3 business days was incorrect and that process wasn't even possible to complete in 3 business days. At this point I requested to speak to a supervisor who told me this process actually takes 1 to 2 business cycles, meaning between 30 and 60 days. HOW in the world can it take up to 60 days to transfer money back to my account. Its not like they don't have billions of dollars laying around. Clearly their process is horrible and their lack of transparency and training with their agents is absolutely horrendous. Additionally due to their inability to transfer funds back into my account I incurred {$350.00} in credit card fees on an additional credit card which I used to pay for a portion of a kitchen remodel.

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 2025-01-24 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:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX  Hard Inquiries XXXX I did not authorize this inquiry XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX Hard Inquiries XXXX I did not authorize this inquiry I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. 
Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely, 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 2025-01-27 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$87.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-24 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: PA

Complaint narrative:
I noticed after reviewing my profile there were some inquiries that are not mine.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filling a complaint against XXXX for filling to properly investigate my dispute regarding the inaccuracies in my credit report. Despite my submissions, XXXX consistently responds with XXXX hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes.

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 2025-01-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filling a complaint against Equifax for filling to properly investigate my dispute regarding the inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Again I am disputing INQUIRIES!! inquires only!!! I have sent several disputes to XXXX and experian disputing inquires!!! Neither company will research inquiry disputes ( not tradelines or open accpunts but inquiries ) both companies you can dispute inquiries on your report but then in less than 1 business day they close the review and say all inquires are valid even if fraud. both companies refuse to research hard credit inquires. 
In 2024 some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc ID packet, disputes the charges and accounts opened due to fraud. On XX/XX/year> I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/year> XXXX did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires showing with Experian and XXXX XXXX, and online it shows I can dispute due to fraud just to have both companies immediately deny this and not look into the claims at all and just state they are valid?

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