vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: IL

Complaint narrative:
I believe FCRA XXXX says we have to take out wrong accounts from my credit report. Can you see if the papers match? Some accounts listed have wrong info about what happened and when it happened.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX AMEX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.

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 2024-04-10 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: IL

Complaint narrative:
I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-10 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: FL

Complaint narrative:
FCRA 605B seems to say we need to erase any errors from my credit report. Can you see if there are any mistakes in the documents? Some of the listed accounts have wrong details, like the amounts and dates.

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 2024-04-10 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: FL

Complaint narrative:
I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: MA

Complaint narrative:
reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Apencies have assumed a XXXX role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for tije account ( XXXX XXXX XXXX ) : ( XXXX ) Piease investigate and provide Proof with statements showing that these payments were late. if proot can't be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Ive been trying to get that is deposited into my husbands business account, I presented a power of attorney favoring me as his wife and care taker ( my husband XXXX XXXX has been diagnosed with XXXX ), and is been a month, and I cant have a new card to process all our payments and buying his essential foods, or even pay his insurance, nothing is getting done, because TD bank holding the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting a bankruptcy on my credit report and failed to contact back with a 30 day period. Also failed to identify who legally provided this information. I contacted them asking for verification of bankruptcy on XX/XX/XXXX and they failed to contact me back within a 30 day period. I waited over that due date, which would've been XX/XX/XXXX, just in case it came days after, but after not receiving a letter, I wrote a letter to them again requesting them to remove this bankruptcy on XX/XX/XXXX. I received a letter back from LexisNexis on XX/XX/XXXX, and it said the letter was sent out on XX/XX/XXXX. This was after the original due date which was XX/XX/XXXX. I'm attaching all of the letters I sent and received from XX/XX/XXXX til now. I'm also attaching a letter from XXXX that said they did not contact LexisNexis and transfer any information over to any credit bureaus or third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I mailed a letter XX/XX/2023 confirming the incorrect residential address for myself. The credit bureaus have not updated my credit profile in over 30 days. I called in to get a resolution and they refused to remove it.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed a letter XX/XX/year> confirming the incorrect residential address for myself. The credit bureaus have not updated my credit profile in over 30 days. I called in to get a resolution and they refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX BMO BANK took XXXX payments out of my checking account for my auto loan and they will not give me the money back despite my calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount is {$650.00}. They never mailed the refund nor did they deposit electronically. Each time I called I was transferred to a resolution XXXX who promised that they would help and that they would refund the {$650.00} to me but it never happened. I have made multiple phone calls and never has anyone offered to overnight the check or electronically refund the money at all. Currently I am out {$650.00}.

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 monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/XXXX was the day I found my account frozen, I called the number that was given to resolve the issue but was prompted to keep checking the app for changes and was given no other information. I called 3 consecutive days in a row and was given the same prompt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and XXXX CFR Part XXXX Regulation V, I request that you provide me with physical evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and XXXX CFR Part XXXX Regulation V, I request that you provide me with physical evidence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have had perfect payment history with Sallie Mae since 2017 up until recently. I have been in communication with them in regards to in school deferment and payment issues when necessary. Numerous times I have been reported as an incorrect late payment. XXXX of which was formally reported onto my credit report. Most recently during my conversation with them, I was told not all of my loans are in deferment, a mistake on their part. My school and I supplied all necessary documentation. I was told it would take XXXX business days. My case once again says " closed '' when no actions have been done, I am still reflected as a late payment, and I have not received follow up of the outcome. Prior times, amounts due would appear, disappear, then reappear with completely different amounts. The only common factor is they are always shown as " late payments ''.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024, XXXX unauthorized transactions totaling {$2600.00} were made on my Bank of America credit card. Additionally, an attempted transaction of {$1300.00} was made on my BoA debit card but was declined. Later that day I discovered that my cards had been stolen, I immediately reported the fraudulent activity, while the transactions were still pending. However, on XX/XX/XXXX, I received an email from Bank of America stating that they had concluded their investigation and denied my claim. I am disappointed with the outcome and feel that Bank of America did not adequately investigate my claim.

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 monetary relief
Consumer complaint received 2024-04-10 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 RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE INACCURATE XXXX COLLECTIONS OPENED WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX XXXX WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT REPORT. ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$8200.00} IS INACCURATE XXXX COLLECTION. 

XXXX XXXX XXXX XXXX WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$7800.00} IS XXXX COLLECTION. DELETE THOSE XXXX COLLECTIONS ACCOUNT FROM MY CREDIT REPORT BY 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 2024-04-10 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: Source Receivables Management LLC
State: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE INACCURATE XXXX COLLECTIONS OPENED WITHOUT MY KNOWLEDGE. 

XXXX SOURCE RECEIVABLES MNGMN WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT REPORT. ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$8200.00} IS INACCURATE XXXX COLLECTION. 

XXXX SOURCE RECEIVALES MNGMN WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$7800.00} IS XXXX COLLECTION. DELETE THOSE XXXX COLLECTIONS ACCOUNT FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. I've attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character

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 2024-04-10 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: GA

Complaint narrative:
Equifax delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Equifax is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-04-10 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: TN

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr Cooper had failed numerous times to correct errors. There is a supremacy clause in all of these quasi government contracts where stipulation essentially is that these business needs to recognize the fed laws etc when it supersedes policy state laws etcXXXX I go to my va house rep who told me on this Va guaranteed loan all I have to show is the ability to pay the loan and apply I will be accepted TWICE ive shown this company more than enough money to get me out of my situation on for them to say that even I shown affordability since I could produce documents showing excess income the modification isn't accepted which is the opposite to the right im entitled to for relief and they never EVER acknowledge nor investigated this after over a year of complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with explanation