vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments reported for months where no late payments occurred. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
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 2024-12-21 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: MA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 2024-12-21 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
My Robinhood account has been restricted for a week. I have tried to contact someone for 7-days to resolve the issue. I have also uploaded bank statements as requested via the banner in my account and I've received a message stating " We've received your documentation ''. The message also states " We'll review your documents and notify you about your account restrictions by XXXX and a date ''. The date changes to the next day every day I check on my account states. So for 7-days the website has stated I will be contacted. Today I received an email, but again no reason as to why my account is restricted or assistance resolving the issue with a Robinhood representative. Just a generic email offering no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This account was charge for value and return for value and discharged on XX/XX/year> so there should be no negative reporting as a XXXX written off as charge off on the bank 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 2024-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account Name or Number : XXXX XXXXXXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XXXXXXXXDispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX  dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXXXXXX ( XX/XX/XXXX COLLECTION/CHARGEOFF ) Dispute Reason : " This account was CANCELLED AND PAID. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account Name or Number : XXXX  XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX dated XXXX Reason : " This account is not mine. '' Account Name or XXXX : XXXX XXXX, dated XXXXDispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX  XXXXXXXX XXXX XXXX  dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX ( XX/XX/XXXX COLLECTION/CHARGEOFF ) Dispute Reason : " This account was CANCELLED AND 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 2024-12-21 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX and XX/XX/XXXX. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX and XX/XX/XXXX are inaccurate. My payment history reflects consistent on-time payments, and I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Summary of Errors and Discrepancies : The account reflects late payments in XXXX and XX/XX/XXXX, which are inaccurate. 
Payment history should reflect 100 % on-time payments. 
The discrepancies misrepresent my creditworthiness and violate consumer protection laws. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital repossessed my vehicle without providing any prior notice or communication about their intent to take this action. I was not given any opportunity to address the situation or prevent the repossession, leaving me completely unaware of their plans. This lack of transparency has caused significant inconvenience and frustration, as I was not afforded the chance to resolve any issues before my vehicle was taken. 

Additionally, during the repossession process, their agents damaged my property. Specifically, my trash can was left broken and unusable as a result of their actions. This damage further reflects a lack of care and professionalism in how the repossession was handled. I am requesting a thorough investigation into this matter and appropriate action to address the lack of notice, the improper handling of the repossession, and the damage to my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian due to their ongoing failure to investigate and remove fraudulent accounts, inquiries, and personal information from my credit report, despite multiple disputes and clear evidence provided by me. 

Fraudulent Account : XXXX XXXX : This account is fraudulent and was opened without my authorization. Experian has failed to conduct a proper investigation or provide evidence to validate this account. 
Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX addresses are fraudulent and have no connection to me. Despite my disputes, Experian has refused to delete them, leaving inaccurate and damaging information on my credit report. 
XXXX XXXX : XXXX XXXX XXXX on XX/XX/year> : This inquiry was made without my authorization, yet Experian continues to report it as valid. 
These inaccuracies have caused harm to my credit profile, financial opportunities, and emotional well-being. Despite my repeated disputes and compliance with Experians documentation requests, they have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to remove unverifiable or inaccurate information.

Experians negligence in resolving these matters shows a lack of accountability and adherence to federal law, and their inaction continues to cause me unnecessary stress and financial harm.

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 2024-12-21 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer XXXX went to Truist bank in XXXX Florida and submitted an application and was denied a loan.

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 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: KS

Complaint narrative:
On XXXX XXXX I submitted a complaint regarding Title XXXX subsection XXXX of my SCRA rights being vuolated as the original document stated that I am waiving my rights and per this act, I do not have to. This was after countless attempts of getting them to amend this document without success- it took until submitting a complain through CFPB that they did something about it, and amended the document. 

However, after reviewing their response and updated waiver, it is much better than the first one they sent me. However after meeting with my lawyer again about this, there is still some issue with the verbiage : it still states that I voluntarily and knowingly waive the protections against repossession afforded under the SCRA. Instead it should say " I am willingly utilizing my rights to surrender the vehicle under the SCRA '' as I do not wish to waive my rights. This should be corrected and the issue would be resolved. Otherwise it feels like their is a hidden motive by stating that I waive any part of my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
I have been in school less than full time and was paying out of pocket for classes. At that time in my life, I could not enroll in full time due to life circumstances. Every time Sallie Mae offered me the lowest payment possible, I could not afford it so I did not agree to any payment plans. I was not able to make payments due to severe life changing events. I was told if I enrolled in school full time the loan would go into forbearance. I had my school send Sallie Mae my registration information. At that time, my school hours were less than full time. My plan was to take full time hours the next term which started in XXXX. I ended up agreeing to The Step Up Plan of {$140.00} in XX/XX/XXXX. A payment was made on XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00} A partial payment for XXXX was made on XX/XX/XXXX for {$10.00}. 
I called and canceled the payment for the month of XXXX due to having a major XXXX. Unfortunately I was unable to work for XXXX weeks. My plan was to resume payments if I did not enroll in classes full time. 
I received a call from Sallie Mae stating to call them by the end of that business day or my account would go into collections. That was very unprofessional and did not allow me time to respond. 
I enrolled in classes in XXXX full time. My account was sent to a collections agency in XXXX. Sallie Mae did not check Clearinghouse to see my enrollment status. I was sent into collections while enrolled fulltime. How could this happen? Sallie Mae would not speak to me once the account was charged off. This experience with Sallie Mae has been frustrating and I would not recommend them if this is their routine practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
These are fraudulent accounts, please delete Incorrect names 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 XXXXXXXX XXXX XXXX XXXX, XXXX OH 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