vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax for my XXXXXXXX XXXX account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time through autopay. 
Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line. 
These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that Equifax correct these discrepancies to ensure accurate reporting. 

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting. 
Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 recently reviewed a copy of my credit report and noticed that i had frauduent accounts on my report, these accounts are hurting my ability to obtain or create credit. Please remove these accounts from my report as soon as possible.

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 2024-11-14 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I noticed unauthorized transactions on my American Express account, which included charges from XXXX XXXX and XXXX in the amounts of {$140.00} and {$54.00} respectively, among others. I initiated a chat with customer service to report these charges as fraud and requested assistance in blocking my card to prevent further unauthorized use. 

In the chat, I confirmed that these transactions were fraudulent, and the representative assured me that they would raise a fraud case on my account and block the affected card. Despite these measures, I later received a notification threatening account cancellation due to a past-due status, which seems linked to these unauthorized charges. 

Actions taken : Reported the unauthorized charges as fraud. 
Requested a freeze on my card. 
Followed up to ensure that no further actions would be taken against my account due to these fraudulent charges. 
Please address this issue to ensure that my account remains open and protected, and that the fraudulent charges are removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Disputed with XXXX for accuracy on report, sent letter requesting accuracy. Their investigation did not fix the error on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid a XXXX bill when I had XXXX in my account. Bank of America held the funds for XXXX hrs until a reoccurring subscription hit my account and my account was apparently rendered XXXX, even though they had already held the funds in my account in a processing status and the reoccurring subscription should not have been paid instead of the larger amount being returned to my account. I incurred fees due to this error. I called and was instructed to remake the payment with the fees and call back in later to make a claim for the difference. When I called back in, I was hung up on when speaking to a supervisor, had to call back in, and then was transferred to the check fraud center because the claims center couldnt help me. The check fraud center wasnt much help either, because it wasnt fraud. It was a mistake on XXXX  XXXX XXXX end and they are refusing to take accountability even though the error is so well documented by their own system.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
filth third has failed to protect my money and my checking account bank keep allowing merchant to come into my account unauthorized bank has failed zip from coming into my account bank has closed XXXX cards and refused to rush me a new debit card, supervisor XXXX was rude, aggressive, not nice, not kind, just nasty for no reason supervisor failed to help me i advised everyone on every dispute that i have filed XXXX  and XXXX  have no reason to keep going into my account. 

i have not given XXXX  my card number at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I opened a USAA credit card in XXXX under my former last name of XXXX XXXX XXXX. I closed this credit card around XXXX and haven't thought about that particular credit card for the past XXXX  years. About XXXX months ago, I was contacted by a collection agency for {$XXXX} worth of charges and late fees. The charges were made during the summer of XXXX! This was obviously fraud. I have spoken to USAA by phone on at least XXXX different occasions and they have no interest in resolving this for me. Every time they send it to their fraud investigation unit, " No fraud found '' is what they determine each time! They say that they came to the conclusion that there was " no fraud found '' because I didn't report the unauthorized charges within a couple of months of them happening. I couldn't report the charges because I didn't know they occurred, as I closed that card XXXX  years ago. Once again, I have spoken with XXXX  at least XXXX times and they have no desire to resolve this issue.

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 2024-11-14 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: TX

Complaint narrative:
I have reported these accounts as I have no knowledge of these and I also have asked the company to provide proof of the said debt that they said that I owe.

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 2024-11-14 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request assistance with a matter regarding my personal information on my credit profile. Despite my efforts to work directly with the credit bureaus, they have not made the requested updates to my personal information.I have attempted to correct the following information : Name : Requesting correction to my full legal name, XXXX XXXX. 

Date of Birth : Requesting update to reflect my correct birthdate, XX/XX/1995. 

Address : Requesting removal of all other addresses and confirmation of only my current address on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Phone Number : Requesting update to reflect only my correct phone number, XXXX, and the removal of all other numbers on file. 

Despite multiple attempts to provide verification of this information, the credit bureau has not updated these inaccuracies on my report, impacting my ability to use and maintain my credit file accurately. I am requesting that the CFPB intervene to facilitate the necessary updates to my credit profile. 

Thank you for your attention to this matter. If additional documentation is required, I am available to provide further verification as needed. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Certified Bureau of the South, Inc
State: LA

Complaint narrative:
I dont know what this collection is. They can not verify information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My wallet was lost and it contained enough credentials ( I'm assuming ) for someone to initiate a credit application in my name. 

I'm seeing several hard pulls from varying sources. 

" Between XX/XX/year> and XX/XX/year>, an inquiry made by XXXX XXXX  was added to your credit report. '' " XXXX XXXX XXXX XX/XX/year> ''

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: MD

Complaint narrative:
Back on XX/XX/year> a complaint that I made against Self Lender Inc was closed with a very unsatisfactory response. The company stated they could not find any details regarding my account, however the account in question had been closed on my credit report. It was closed, however it is still reporting incorrect information resulting potentially negative XXXX XXXX and overall trustworthiness in creditors eyes. I repeatedly contacted this company regarding the fraud use and continued opening of my account and drafting of payments I never authorized, including opening a second account after request of closure. I requested all funds back, and compensation related to the specificity of the law, as well as removal of the account in full. The company response was to send me a check, that I was unable to cash, as the check turned out to be fraud. The check itself was also not comparable in funds to what is allowed by the law of up to {$XXXX} per fine, nor was it comparable to the hundreds of dollars that were taken from my account during that time without my consent, or the funds and energy spent trying to recover my identity due to neglect on the company behalf. I have tried over time to get this corrected including reaching out to my local XXXX team for assistance. I have filed the necessary police report regarding my identity theft, and this is the XXXX year in a row that I am having to complete this same process without any resolution. Please correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: NV

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Opportunity Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC XXXX XXXX avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX : {$XXXX} XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open

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 2024-11-14 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: FL

Complaint narrative:
To Whom It May Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me. All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. Thank you for your prompt attention to this matter Sincerely, XXXX XXXXXXXX XXXXXXXX

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 2024-11-14 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: FL

Complaint narrative:
To Whom It May Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me. All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. Thank you for your prompt attention to this matter 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 non-monetary relief