vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NC

Complaint narrative:
I am filing a formal complaint against Experian for failing to fulfill its obligation to accurately maintain and update my credit report, as stipulated under the Fair Credit Reporting Act ( FCRA ). Despite submitting detailed requests for investigation and removal of inaccurate information, Experian has not conducted the necessary verification or investigation on the following items. This negligence has led to significant discrepancies between XXXX report and those from XXXX and XXXX, with Experian often providing inaccurate or outdated information. 

Specific Issues : 1. Inaccurate Personal Information : Experian has failed to correct or remove inaccurate personal information, including current and previous addresses. These inaccuracies have persisted despite multiple requests for correction. 

2. Unauthorized Inquiries : My credit report includes several unauthorized inquiries ( e.g., entries by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ), which violate permissible purpose standards under 15 U.S.C. 1681b. Experian has failed to investigate and remove these unauthorized entries, resulting in a negative impact on my credit score and access to financial services. 

3. Discrepancies Between Reporting Agencies : Experians report contains multiple discrepancies compared to XXXX and XXXX, suggesting a lack of adherence to FCRAs accuracy requirements ( 15 U.S.C. 1681e ( b ) ). For example : - Accounts with XXXX XXXX  and XXXX XXXX XXXX  show different information on Experians report than on those of the other agencies. 
- These discrepancies impact my credit profile, and Experians failure to update and align their information with other bureaus continues to harm my ability to rely on accurate financial information. 

4. Failure to Verify Accounts and Balance Reporting Accuracy : I requested Experian to verify accounts such as XXXX XXXX XXXX and XXXX XXXX XXXX, but no verification response or adjustments have been made to my report. Additionally, Experian has reported inflated or outdated balances, which constitutes a violation of the FCRAs accuracy standards and further harms my financial standing.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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-07 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: SD

Complaint narrative:
My credit report has listed an account that does not appear to be mine or contains inaccurate information.

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 2024-11-07 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts that have appeared on my credit report as a result of identity theft following a recent data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed to protect my credit history and personal information. Please see below the details of the accounts in question : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2200.00}

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 explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
Two months ago after reviewing my credit report with Equifax, I began to dispute medical collection accounts that do not provide the provider, original creditor or collection company contact information so I do not know where this account came from and/or if it even belongs to me. To this day, I have not received the requested information from Equifax via any type of correspondence or an update on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it requires consumer reporting agencies ( CRAs ) to investigate and correct inaccurate information on a consumer 's credit report within 30 days of a dispute. If the CRA can't verify the information, it must be removed from the report. 
These types of inaccuracies are unacceptable and hurting my credit rating. Credit reporting laws ensure that bureaus report only 100 % accurate information. I am demanding a full re-investigation and this misleading information to be deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: SC

Complaint narrative:
I have disputed the account of XXXX XXXX XXXX with the three credit bureau on XX/XX/year>XXXX  and on XX/XX/year>XXXX  and I havent received any information still unverified I asked for a contract signed and how are the verified documents signed I have been trying to fix my credit to buy a house and this unverified account hurts my credit score thanks for your help

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 2024-11-07 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: SC

Complaint narrative:
I have disputed the account of XXXX XXXX XXXX with the three credit bureau on XX/XX/year> and on XX/XX/year> and I havent received any information still unverified I asked for a contract signed and how are the verified documents signed I have been trying to fix my credit to buy a house and this unverified account hurts my credit score thanks for your help

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 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: MT

Complaint narrative:
On XX/XX/year> a collection account in the amount of {$260.00} was added to my XXXX credit report without my knowledge. I finally receive notification over this collection account through XXXX on XX/XX/year>, a whole 3 months later. This debt is completely invalid and I have never received any sort of notification such as mailings, phone calls, emails, exc. prior to it being added to my credit report. I can not even contact them to dispute the collection account because I was never properly informed of it and who these people are. This debt does not belong to me and I demand it to be removed off my credit reports with all three credit companys or I will pursue other actions to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello good afternoon my name is XXXX XXXX and the reason I am contacting you is because I moved to XXXX in the year of XXXX for XXXX  and XXXX  reasons. During that time I was there I receive a check from TD Bank Remediation relating to a redress notification with a check of {$200.00}. I went to the store to cash it on XX/XX/XXXX but unfortunately it expired so I spoke to a manager and he sent an email and then another guy named XXXX sent them a second email and basically I am frustrated because I am not getting proper positive solutions to this situation. I want to know what I have to do to receive the check with the money that TD bank owes me, Ive been patient enough waiting for a solution and not getting info regarding the case. Can you please contact me back via email or phone number because this is just outrageous that I have to go back and forth and not get any feedback or action on this. I will attach the check sent to me and that is currently expired. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by 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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America bank card was lost on the day I left for vacation. I traveled on the XXXX at XXXX XXXX. I was in XXXX XXXX. My card was used in Texas and my bank is refusing to refund. The fraudulent charges back to me and they charging me {$85.00} a day for overdrafting. I have open to replace reports one in the city of XXXX and one in the city of XXXX. Ive gone around to stores and ask for videos the bank Ive never asked me for anything proof or nothing that I was not here.

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 2024-11-07 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: NY

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  account [ 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 2024-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$7400.00} Payment Status : Repossession

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 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inadequate customer service and lack of problem resolution at Wells Fargo. Recently, I encountered significant issues with their customer service representatives, who not only provided poor service but also failed to address my concerns adequately. 

Despite multiple attempts to reach a solution, my requests have been ignored or mishandled, leaving my issue unresolved and causing considerable inconvenience. I believe this level of service is unacceptable for a bank of Wells Fargo 's size and reputation. 

I kindly request that the CFPB investigate this matter and take appropriate actions to ensure that Wells Fargo improves its customer service practices and provides adequate support to its clients. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-11-07 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/3024, my city was flooded by the rains if Hurricane Helene. Winds from the hurricane caused many downed trees and power lines as well. My husband and sons jobs were both affected by the hurricane. At this time, I was on sick leave due to XXXX  XXXX. My son is the primary on my auto loan with Ally Financial. I contacted Ally Financial to explain I would not be able to pay on time for XXXX XXXX due date and XXXX as well. I asked for an extension, of which I was denied. I had it escalated to a supervisor for an override since this was due to a state and federal declared disaster. I was denied by the supervisor. I then reached out again to plead my case and ask for an extension. Again, I was denied by the representative and the supervisor. I asked for a modification of my loan to at least lower my payment since the interest on our loan is so high, again, I was denied. Now, Ive been reported to the credit bureaus for late payment since I was unable to come up with the {$670.00} due. I am not happy in that I did reach out for help, but was denied a couple of times.

Company response to consumer: Closed with explanation