vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 Experian 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 Account Number : XXXX  Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 15-day grace period : My payment for XX/XX/year> was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment. 
Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 Experian 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 Experian disputing a late payment reported by 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 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: CT

Complaint narrative:
I have look on my account I saw some things incomplete and not accurate.According to fair credit reporting act it shall follow reasonable procedures, whenever a consumer reporting agency prepair a consumer report it shall follow reasonable procedures to assure maximum possible accuracy information concerning the individual about whom the report relate.These accounts are : -Account name is : XXXX XXXX XXXX. XXXX XXXX. XXXX -Account name : XXXX XXXX XXXX. XXXX XXXX. XX/XX/year>. Not complete and accurate. 

( XXXX XXXX XXXX XXXX card Account number : XXXX date is not reported correct, date last active, last payment not correct, this account is not accurate.

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 2024-10-05 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 : 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax 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 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : Bankruptcy XXXX  XXXX, as per Report ID : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made payments from my bank account and the loan provider marked my account delinquent despite the automatic withdrawals from my bank going through. When I called my bank to give me a proof of payment they said everything went through and was processed and oportun never credited my account and the loan was charged off and they call me multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX Checking account opened online with promo code. They approved but wanted me to personally come into the branch for ID verification. 
XX/XX/XXXX Went into branch and verified ID. 
XX/XX/XXXX Opened Mobile Banking Sent funds on : XXXX {$5200.00}, XXXX {$4500.00}, XXXX {$1000.00}, XXXX {$5000.00}, XXXX {$5000.00} XX/XX/XXXX All activities completed for {$600.00} Bonus promised. 
Term stated to wait 30 days after activities completed, then bonus should post in 2 weeks. 

XXXX - Went into bank and talked with representative that said they did not have my account marked for the bonus but he verified that all my activities were correct to receive it. Then he said he would have the account reviewed and would get back to me in a couple days.

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 2024-10-05 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Region bank paid to delete. 
XXXX XXXX paid to delete XXXXXXXX XXXX  no response from company, sent debt validation letter no response Green dot paid to delete Ally financial send debt validation letter no response from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX  paid to delete. 
XXXX XXXX paid to delete Lvnv funding no response from company, sent debt validation letter no response XXXX XXXX paid to delete XXXX XXXX send debt validation letter no response from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
I am filing a formal complaint against Experian for their failure to remove fraudulent information from my credit report and their violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I have asked Experian to remove the XXXX XXXX XXXX XXXX XXXX XXXXXXXX address, which is not mine, and the XXXX XXXX Account, which has been inaccurately reported. 

Despite providing documentation, including an FTC Identity Theft Report and a signed affidavit, Experian continues to report this fraudulent address and the XXXX XXXX Account # XXXX. I previously disputed this account, and while Experian initially removed it, they have since reinserted the account without notifying me of the reinsertion in compliance with the FCRA. 

Violations of the FCRA : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information once notified of my identity theft status. Despite submitting all necessary documentation, the fraudulent account and address remain on my report.

FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Experian violated this section by reinserting the XXXX XXXX Account without notifying me within XXXX business days of its reinsertion. This action is illegal and requires immediate correction. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have requested method of verification for the XXXX XXXX Account, and Experian has refused to provide it. Without this verification, they are obligated to remove the account under the FCRA.

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 2024-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist checking and saving accounts were opened and funded remotely, including a last ( third ) transmit-deposit that was rejected/returned. We received Truist letter, dated XX/XX/XXXX, stating our XXXX accounts were locked against further transactions, without reason, as a Truist contract right. Upon finishing their ( ( whatever ) ) investigation, our funds would be returned by mail, to the ( our-statement ) address they hold on file. 

Upon waiting roughly a year, the closest ( involved ) Trust branch was sent a letter, XX/XX/XXXX, requesting the return of our funds, Its worth noting that the branch is quite distant and reaching it would impose undue hardship. The Truist branch informed us they could not resolve the issue (? ). Thereupon, the replicated request was sent to the Truist main office, XX/XX/XXXX. Upon waiting XXXX month, no reply was received. 

To retain fairness under the circumstances, Truist Bank ought reply in writing, not try recording telephone calls that wont ring through. Truist bank is requested to follow the terms they originally stipulated and close the XXXX accounts and return our funds by mail, without further rigmarole. Logic would dictate that a bank that wont return your money, has stolen your money.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: IA

Complaint narrative:
I have attempted on two separate occasions to obtain what LexisNexis calls a " Consumer Disclosure Report '' and the process is inadequate to provide timely information to any consumer who is forced to use their services. 
The process to obtain a report is as follows : Fill out their online form and then be directed to a page that displays the following : Acknowledgment Message Your order has been received. You will receive a message via US Mail within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. 

I have submitted the same exact information to XXXX, XXXX XXXX, XXXX and XXXX to verify my identity online and make any changes to my credit information and verify my credit report. If LexisNexis is not capable of utilizing the available technology the other credit reporting agencies have been using for the last 5 years, then the ability to opt out of their services should be an available option for consumers. on XX/XX/year>, I filled out the information providing my Social Security Number and my Drivers license number along with my address and today, I received mail ( at my address ) indicating LexisNexis is unable to process my request. My address is obviously correct as they mailed me the letter. I am using the same Social Security number and driver 's license number that I use with the other credit reporting agencies where I have been able to receive my credit report. 
LexisNexis is using terms which are not clear and do not align with the terminology used by the other credit reporting agencies. This is causing confusion to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a text claiming to be the XXXX saying that a delivery could not be completed and I would need to pay for a redelivery. 
I clicked on the link on my phone and entered my card information. 
I now know it is a common scam tactic. 

The charge was supposed to be for XXXX cents but I immediately received an email from my bank saying my account was in low fund mode, and a charge of {$990.00} so I knew something was wrong. 

I headed straight to PNC bank to explain the situation and they removed the hold on the charge but said it might still post. It posted XXXX days later on XX/XX/XXXX. I disputed the transaction and waited while the bank investigated. I received a provisional credit in the meantime. I also headed to a local police station and filed a police report numbered XXXX. 

I received a letter today, XX/XX/XXXX, saying that the bank was going to debit my account the amount and the reason provided was because I authorized the transaction as the only explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-10-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been unable to obtain a free credit report online from TransUnion for months. Additionally, I have been unable to obtain my credit freeze info and freeze or unfreeze my credit for months. TransUnion support is awful and not helpful at all.

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