vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the grace period : My payment for XX/XX/XXXX was made on time, which falls within the grace period set by Ally Financial. Therefore, the account should not have been reported as 30 days late. 
Bank error resulting in delay : The payment was delayed due to an error in my bank 's processing system. I provided evidence that I initiated the payment on time, but it was not processed correctly by the bank, causing the late reporting. This error was beyond my control. 
Evidence provided : I have attached bank statements and payment confirmations showing that I initiated the payment before the due date. This documentation clearly demonstrates that the delay was due to a technical issue with the bank, not my negligence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-10-06 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: WI

Complaint narrative:
Several accounts were opened and I have no knowledge. Please delete and update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
i am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4 Under the FCRA , credit inquiries from companies I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries also violate the Fair Debt Collection Practices Act ( FDCPA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I XXXX XXXX XXXX ( XXXX ) ( XXXX ) was a victim of Identity theft due to my car jacking and my stuff was stolen and I have been back and forth to court to get it expunge off my records because the lady was using my identity and cards and was lock up and used my license. This is the last thing I have been trying to clear off my info. So I am sending in the information again to clear this off of my Chex System. 


Contents of Complaint : I am writing to request and investigation of the following accounts. " I'm requesting the following information to be deleted from my Chex System consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following that appears on my Chex System Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX I am a victim of identity theft and I don't recognize this account on my report. I am requesting the following information be deleted from my Chex System report immediately! I am also requesting the addresses to removed also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a copy of the report to this request. 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 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 XXXXXX/XX/XXXX I understand that as a credit reporting agency, ( Chex System ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. 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 2024-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XX/XX/XXXX I was disbursed XXXX XXXX XXXX XXXX by XXXX XXXX XXXX Navient serviced the loan. In XXXX, I requested a loan repayment plan to begin the XXXX XXXX XXXX XXXX process from Navient. I was informed that my loan type did not qualify and instead the company consolidated the loan into a private loan type. Given the recent updates to the XXXX and the temporary waiver put in place, I learned that my original loan type did qualify and that the lender lied to me in order to get me into a high interest private loan product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was having XXXX credit score and decided to open XXXX credit cards from XXXX XXXXso I applied and got it approved by Bank, got both cards delivered to my home, was using it for more than a month.. suddenly all my ACH transactions got declined and was charged fees from merchants for declined transactions and when I enquired bank, they said both of my credit card accounts are restricted to use further.XXXX then they asked me to sign XXXX IRS document, I signed and shared back to them.XXXX after few days bank closed XXXX of my accounts.. by saying records provided not match with IRS filled.XXXX dont know what the expectation was.. how come Wells Fargo closed one account and kept another account active.. if my information is wrong the you can ask me to share the right information but you didnt.. you simply closed XXXX of my accounts and very poor customer service.. never faced this kind of frustration with any other bank..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX Account # XXXX, I just viewed my credit report and notice that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been sued by Bank of America for XXXX credit cards that I could no longer pay due to XXXX permanent XXXX incurred during the course of the credit cards being open. The amount I am being sued for is more than the balance owed on the account. I disputed this via the XXXX credit reporting agencies, and shortly thereafter, they served me with papers for Judgement via the XXXX XXXX, XXXX XXXXXXXX XXXX, Civil division. The cards have all been " CHARGED OFF '' AND " WRITTEN OFF '' for their own illegal gain in taxes from the Federal Government and the IRS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today I pulled my credit report and noticed that a XXXXXXXX XXXX  account along with two XXXX XXXX accounts appeared on my Transunion credit file. 

The XXXXXXXX XXXX account had been removed a few weeks ago after disputing and filing a CFPB claim. The account had different open dates then other credit reports. This account has reappeared on my credit report with different " date opened '' from other credit reporting agencies. ( File included ) The XXXX entry for Transunion shows derogatory for status and XXXX shows open and current for status. 

One of the XXXX XXXX accounts shows a Transunion " date opened '' of XX/XX/XXXX and a date opened in XXXX showing XX/XX/XXXX. Transunion is showing a balance of {$0.00} and XXXX is showing a balance of {$12000.00}. This same account is also showing different last reported dates. This XXXX XXXX account mentions an attached bankruptcy and the XXXX  credit report entry has no mention of any bankruptcy on this account. ( XXXX report included ) The other XXXX XXXX accounts shows a date opened in Transunion XX/XX/XXXX and for XXXX & XXXX XX/XX/XXXX. This same account shows a credit limit of {$1600.00} in Transunion, {$1900.00} in XXXX and a {$0.00} credit limit in 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 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Subject : Incorrect Reporting of Debt Collecti

on by Aargon Agency Inc. in Violation of FCRA/FDCPA Description of the issue : I am submitting this complaint concerning the improper reporting of a collection account from Aargon Agency Inc. on my credit report. I have disputed this debt several times through both the credit reporting agencies and directly with Aargon Agency Inc. without resolution. Despite my disputes, Aargon Agency Inc. continues to report the debt inaccurately. Below are the account details from my most recent credit reports f
rom XXXX and other sources : Original Creditor : XXXX XXXX XXXX XXXX XXXX. 

Account Balance : {$390.00} Date Opened : XX/XX/year> Date Last Reported : XX/XX/year> Status : Open Collection Account, Past Due Amount : {$390.00} Even after I disputed this debt multiple times, Aargon Agency Inc. failed to provide proper validation and continues to report the account incorrectly.

Details of the dispute : 1. Incomplete Debt Validation : Aargon Agency Inc. provided a debt validation letter, but the letter lacked sufficient documentation proving that the debt is valid or belongs to me. The documents provided did not explain how the debt amount was calculated and failed to include the original signed contract from the original creditor, XXXX XXXX XXXX XXXX XXXX. 



XXXX. Inconsistent and Inaccurate Reporting : The details reported by Aargon Agency Inc. are inconsistent across credit reporting agencies. There are discrepancies in the reported dates and amounts that show a failure to ensure accurate information. This violates the Fair Credit Reporting Act ( FCRA ) requirement for accurate and fair reporting. 



XXXX. Failure to Conduct a Reasonable Investigation : Under the FCRA, data furnishers such as Aargon Agency Inc. are required to investigate consumer disputes properly. Despite my multiple disputes, no reasonable investigation appears to have taken place. The account continues to be reported without corrections or explanations for the discrepancies, violating my rights under the FCRA. 



4. Negative Impact on My Creditworthiness : The erroneous collection account has significantly impacted my credit score and financial opportunities. The continued presence of this account on my report has caused undue harm to my creditworthiness, which is particularly concerning given the unresolved nature of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Account 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 2024-10-06 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX XXXX XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : The payment for XXXX was made on time, which falls within the XXXX grace period provided by XXXX XXXX XXXX XXXX XXXX As such, this account should not have been reported as 30 days late. 
XXXX error by the creditor : My payment was processed late by XXXX XXXX XXXX XXXX  internal systems, even though it was submitted on time. This clerical error on the part of the creditor caused the late payment to be erroneously reported. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payment was made, clearly demonstrating that the late payment was a result of a processing issue on the part of the creditor and not a failure to make the payment on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: PA

Complaint narrative:
The amounts reported for these accounts are incorrect due to the non-reporting of payment for the debts and lack of disclosure. If these debts were purchased, then some payment must have been made, leading to the reported incorrect amounts. Unfortunately, my credit report does not include the account numbers, but this lack of accurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
I request that you investigate this matter and delete these accounts from my credit report immediately, as they do not accurately represent my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: PA

Complaint narrative:
The amounts reported for these accounts are incorrect due to the non-reporting of payment for the debts and lack of disclosure. If these debts were purchased, then some payment must have been made, leading to the reported incorrect amounts. Unfortunately, my credit report does not include the account numbers, but this lack of accurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
I request that you investigate this matter and delete these accounts from my credit report immediately, as they do not accurately represent my credit history.

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