vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: LA

Complaint narrative:
Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy, however, this is not the case because Equifax is purposely violating my consumer 's rights by reporting late payments that are negatively affecting my creditworthiness.

I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not provide this, please UPDATE the alleged late payment ( s ) on my credit report and UPDATE the payment history to paid as agreed never late ( PANNL ) per 15 USC1681b.

Your company is in clear violation of the law. Under 15 USC1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

UPDATE the above late payments from my consumer report to paid as agreed never late ( PANNL ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the referenced account, and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC 1681n ).

I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PANNL ). 

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

I need you to investigate these accounts : Account Name : XXXX XXXX XXXX XXXX | Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX | Account Number : XXXX Account Name : XXXX  | Account Number : XXXX Once you have finished your investigations send me an updated credit report to the address stated above. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am filing this formal complaint against Self Lender in regard to inaccurate and damaging information being reported on my credit report for Account # XXXX. Specifically, Self Lender is falsely reporting a late payment for XX/XX/year>, despite the fact that my payment is not due until XX/XX/year>. There is absolutely no valid basis for this late payment to be reflected on my credit report before the payment due date has even passed. Furthermore, my credit report incorrectly shows my last payment as being made on XX/XX/year>, which is also false and inaccurate. I have made my payments as required, and Self Lender has failed to update my account with the correct payment information. These inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information be reported on consumer credit files. The reporting of this false late payment, along with the incorrect payment history, has severely impacted my credit score and financial standing, causing unwarranted harm. I am demanding that Self Lender immediately : 1. Correct my credit report to reflect accurate payment history. 2. Remove the false XX/XX/year> late payment entry. 3. Update the payment record to show my most recent payment date accurately. If this matter is not resolved promptly, I will pursue legal action against Self Lender for willful noncompliance with the FCRA, including seeking damages for the harm caused by this inaccurate reporting. I trust the CFPB will assist in holding Self Lender accountable for their obligations under the FCRA and ensure that my credit report is updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NC

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within

15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me
in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: OK

Complaint narrative:
( NOTE that the account and routing number belong to UMB BANK, NA -- see attached files, CFPB1 & CFPB2 -- first shows the unreasonable hold representing all but {$2.00} of the balance of the account, and second, the ledger from other bank, showing that UMB/XXXX  received the funds on XX/XX/XXXX in-full and without question ) On XX/XX/XXXX, I initiated an ACH transfer through my XXXXXXXX XXXX XXXX  account ( underlying bank is UMB, NA ) from another bank to UMB/XXXX  This was done through UMB/XXXX portal ( an ACH " pull '' so it seems to be called ). The funds were debited from the other bank and UMB/XXXX  was in full receipt of those transferred funds by the next day, XX/XX/XXXX, according to records provided by the other bank. Despite full settlement within 24 hours, and my clean record and excellent credit, UMB/XXXX chose to silently place a THREE WEEK hold on the entirety of my funds, not allowing me access to even a XXXX of it until next month! How am I supposed to make informed decisions, live and pay bills with such egregious conduct occurring? Not only am I unable to pay my bills and buy food to eat as a result of these actions, the bank is USING MY FUNDS TO THEIR BENEFIT AND WITHOUT MY CONSENT for the better part of a month! 

Not only must this unjustified, extremely unreasonable conduct cease at-once, but I call on the CFPB to investigate and also involve members of congress ( banking committees ) , as well as the Federal Reserve , to place limitations. Historically, the longest hold was for checks at ( up to ) seven days. UMBXXXX are placing holds that are TRIPLE or more that length of time!! A telephone agent complained about fraud, but I have never been a fraud concern. I'm in the highest-tier of possible credit, my address and information remain the same, I am about as predictable and reliable as a customer gets. It appears that UMB/XXXX are engaging in such egregious and harmful behavior only because they aren't being subjected to checks and oversight. Apparently there are no rules and they are taking advantage of that situation to the bank 's benefit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-23 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:
I have reported this company to Identify Theft. I requested paperwork to show proof that I signed a contract with XXXXXXXX XXXX XXXX XXXX XXXX  They state they are a credit card which is fraud. They are not. I also requested payment history proof to include last payment and amount. It states credit card limit was XXXX and they are say I owe XXXX. More than double This is Fraud. I have requested this fraud to be removed multiple times and yet the experian and transunion keep stating Verified. I have had no validation to prove this debt I demand this account be removed immediately and Experian just updated staying that last payment was as of XX/XX/XXXX. Making this a current issue. This has caused to be detrimental to my credit standing. This account is NOT OPEN AS OF LAST PAYMENT XX/XX/XXXX. AND THIS IS NOT A CREDIT CARD. I HAVE SUBMITTED A CLAIM XXXX AND THIS HAS NOT BEEN VALIDATED OR REMOVED.

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 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing this complaint for the reporting of my salary advance loan by State Employees Credit Union ( SECU ) after my account was closed. Despite having paid the loan in full, it has been inaccurately reported as active, and SECU has subsequently added a late payment to my credit report. 

This situation has arisen after my checking account was closed, which has restricted my access to the salary advance information necessary to clarify this issue. It is my understanding that salary advances should not be considered an effective indicator of an individual 's ability to repay a loan. 

I believe that the reporting of this loan as active is not only unfair but also inaccurate, especially since the loan has been fully paid. I request that the CFPB investigate this matter and take appropriate action to rectify my credit report. 

Thank you for your attention to this issue. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NE

Complaint narrative:
I noticed on my credit report a ton of unauthorized inquiries that were not authorized by myself. The dates range from XXXXXXXX XXXX XXXX  and are as recent as XXXX of this year. I am going to send in a letter to Transunion including all said inquiries with a phot copy of my ID but they insisted I filed a complaint through here as well. They were stating that I need to file a police report as well which is incorrect as of 605B of the FCRA. According to Transunion their policies supersede the FCRA Law in which I as a consumer am protected.

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 2024-10-23 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: MI

Complaint narrative:
These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.

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 2024-10-23 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX The information you provided is not XXXX date and does not meet XXXX XXXX XXXX for accuracy. I demand that you delete it now. My only name that you should have on file for me is XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX, XXXX, FL 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 2024-10-23 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: TX

Complaint narrative:
These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I submitted application for XXXX XXXX ( XXXX ) Credit card with is provided by BOA. They had promotional offer of XXXX miles, if I spend $ XXXX in first XXXX  month. Also, XXXX the card application it was mentioned I'll be able to use the card immediately after approval. 

I got the application approved and received the Credit card number, I was trying to booking flight tickets but card kept declining. 

I called BOA customer card several times but they were not able to help, customer rep mentioned it their system problem. I was unable to perform that flight transaction worth $ XXXX. 

I requested BOA to honor the promotional offer since they didn't allow me to use the card immediately after approval as advertised but they are not ready to honor the offer. 

I've paid {$89.00} as yearly fee for the card. I requested them to refund me the annual fee and close the card if they can not honor the promotion but they are not ready refund me the annual fee. 

I've other loss of {$40.00} because if their offer which they falsely advertise.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, a national disaster XXXX XXXX negatively affected my business ( car rental business ) I own and operated remotely from Florida XXXX The negative impact my finances. 

I read from HUD website I could get relief and on XX/XX/XXXX I began application for a forbearance. The process finished and I got approved for XXXX  months plan. 

On XX/XX/XXXX I called back explaining my Fiancial situation improved and I was ready to make payments starting XX/XX/XXXX. The mortgage representative assured me over the phone that the payments could be deferred toward the end of the loan. I asked I was required to make a payment. I was told it wasnt needed. 

I was also not told about any negative credit marks and XXXX XXXX XXXX Was made aware that XXXX  of a disaster I would qualify for a defaral without negative credit impact, however the mortgage agent misled me and later a XXXX  day late negative mark hit my credit. I tried to dispute with the mortgage company and credit bureau without success.

Company response to consumer: Closed with explanation