vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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:
XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Information 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> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed. 
Summary of Errors and Discrepancies : Late Payments Reported Incorrectly : Late payments were inaccurately reported for XXXXXXXX XXXX XXXX XXXXXXXX account, despite timely payments being made. 
Failure to XXXX XXXX : Experian failed to properly investigate and verify the accuracy of the reported information as mandated by 15 U.S. Code 1681i. 
Discrepancies XXXX XXXX : The payment history and account details vary significantly between credit bureaus, indicating a lack of consistency and accuracy in the information being reported. 
Violation of Notification Requirements : As per 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. There is no evidence that such statements were provided for the periods in question.

Harm to Creditworthiness : These errors have caused undue harm to my credit score and overall creditworthiness.

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in escalation, including filing additional complaints with relevant agencies and pursuing legal action if necessary. 
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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made regular payments to companies under my XXXX XXXX at Truist Bank a subsidiary of the FDIC ( formerly Sun Trust Bank ). Recently over the past year, I have had problems with Truist paying through XXXX XXXX promptly. Also, I have questioned their transactions of my funds with excessive overdraft fees and accountability of how my funds were disbursed regarding the remaining balance. XXXX main bills paid are : XXXX XXXX XXXX : Water Service, XXXX XXXX, and XXXX XXXXXXXX XXXX 
I am filing this complaint today because I have been making payments to the City of XXXX : Water Service Division ( Revenue Department ). The official address where the Truist Bill Pay of {$64.00} is paid on my behalf every XXXX months is : XXXX XXXX Department : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I reviewed my payments through Truist and the payments were made. However, the water service division stated they did not receive the payment. I asked Truist to send a copy of these payments to my email and they have not been received. I do not understand why no request from Truist Bank in regard to funds from my checking account has been acknowledged. I have problems with getting into my online bank account and reviewing my deposits plus XXXX have problems with automatic withdrawal being delayed going to other banks or creditors. 
Feel that my account has been tampered with more than once and Truist security for the protection of my funds need to be reviewed.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-18 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: MA

Complaint narrative:
Dear LexisNexis Risk Solutions Support Team, I am writing to request that my public records be updated to include my current phone number. Accurate and up-to-date information is important to me, and I would be grateful for your assistance with this matter. 

Details for Update : Phone Number : XXXX I have attached the necessary documentation to verify my identity and provide proof of my current phone number. If additional details or verification are needed, please feel free to reach out to me. 

I kindly request that this update be processed as soon as possible. Once completed, I would appreciate receiving confirmation that my records have been updated. 

Thank you for your attention to this request. Should you need to get in touch, I am available by phone at XXXX or by email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2024-12-18 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: MI

Complaint narrative:
At around XXXXXXXX XXXX  I got a text message from Capital One saying thank you for giving your mobile number which was weird because I was sleeping. I wake up around XXXX and have a new notification from XXXX XXXX stating I have a new hard inquiry from Capital One in which I never signed up for. It says word for word Between XX/XX/year> and XX/XX/year>, an inquiry made by CAPITAL ONE was added to your credit report. I never contacted Capital One nor did I sign up for anything, Im worried this is someone using my info somewhere and would like this fixed asap, it also caused my credit to drop a few points. Please let me know whats going on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX - XXXX, XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I opened the acct. I told them that I am currently overseas for work so I do not have access to my US phone, they said to use a temp one so I used my moms. Now after they opened my acct, took in the money to fund both savings and checking they locked it for fraud. After having to get up in middle of night to call them, they refuse to close it or unbock it unless I do a telephone pin verification. They wont reverse the wire to the act I funded it with, they will not issue a check or unblock the acct. They are just holding my money hostage.

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 2024-12-18 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:
Im writing to express my deep frustration about the accounts on my credit report that are in pending litigation. Ive contacted your office several times to correct this issue, but Ive been met with silence or no action. Its disheartening to see my credit score impacted by accounts that arent even accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Me and my son purchased a XXXX XXXX on XX/XX/year> with cash and we have the XXXX XXXX XXXXn hand. Twice, Ally Bank issued a repossession order for his car and a tow company attempted to tow it. This is wrongful repossession because Ally Bank has no claim to this vehicle. We do not, nor have we ever had a loan with Ally Bank. They are attempting to repossess my son 's vehicle under a loan that someone named XXXX XXXX had in the past. The tow company and XXXX XXXX have notified them that they need to take a lien loss. They continue to issue repossession orders. They do not have a perfected lien because the car is clearly under our ownership, not XXXX XXXX and there are no liens on this vehicle. We are fortunate that my son was with the car the two times the tow company attempted to take possession of it. The original police incident number is with the XXXX XXXX XXXX XXXX AZ police department - Incident Number XXXX - XXXX XXXX. On the second attempt, police assistance was not required since the tow company ceased their tow attempt when we produced the XXXX XXXX This is unlawful for Ally Bank to do. I am respectfully submitting this claim to ask that Ally Bank be required to follow lawful business practices and cease attempting to wrongfully repossess my son 's car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
When I reviewed my credit report today, I found unauthorized inquiries that I can not explain. These discrepancies appeared suddenly, and despite refreshing my browser to rule out a possible error, the unauthorized entries persisted. I am extremely upset about this situation and demand that the documents Ive submitted be carefully reviewed to ensure this is resolved immediately and doesnt happen again.

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 2024-12-18 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:
Errors in billing and reporting are unfairly damaging my credit. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately report payments and credits, but this has not been the case. Payments I made were either not recorded properly or miscalculated, and I was never given the mandatory 21-day notice before a payment was due. As a result, late payment marks have been incorrectly added to my credit report, which is both unjust and a violation of federal law. These inaccuracies are causing unnecessary harm to my financial reputation and credit standing

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 2024-12-18 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: EQUIFAX, INC.
State: IN

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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.

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - phone call from XXXX XXXX  alerting me that someone was trying to use my account attached o XXXX which I have no idea what that is or how that works. the person gave my the total amount of money that was allegedly attempted to remove and that they XXXX XXXX had stopp the tranactions which I have the tranactions numbers for the cancellation. Sine I had 2 accounts they had to have me but a block on my phone associated with my banking at FIrst Citizen 's they talked me thru every step of the way to of how to use XXXX, I had never used it before in my life. with this being said i had to do 2 tranaction on my regular account sine there were t alleged tranaction I needed to block my number twice and also had to do one transaction on the saving account to block the ability to use my phone number on that account as well. 2 tranansaction {$490.00} & {$980.00} were on the regular and then on the saving another {$490.00}. By doing this they would be able to hopefully trace the perp. THey would call me the next day and not to get into my account for 24 hours. 
XX/XX/XXXX - another call from XXXX XXXX stating fraud department and they were monitoring and had located the perp in XXXX Tx and needed me to do a couple more tranactions to make sure my number was block and they could monitor him for more activity. This time it was for {$490.00} & {$490.00} out of regular account. after this was done I noticed the money was coming out of my accounts. 
I cakked my bank First Citizens ' and advise them of the scam and all the details. I again was given a case #. I called them again on XXXX to check on the status, I was advised i would recieve a letter on XX/XX/XXXX which I didn't so i called again and it was indeed an imposter scam but the money would not be reimbursed. 

Doesn't the bank pay for insurnace for this type of scamming.

Company response to consumer: Closed with explanation