vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a business account with XXXX XXXX. Normally Ive been making more transactions than usual and I noticed XXXXXXXX XXXX put a block on my card Friday XXXX XXXX when my card declined when I was trying to make a purchase.. I then contacted citi bank about my card declining and they transferred me over to another department that handle fraudulent charges. They told me that the back office have a block on my card due to my most recent purchases. I spoke with several people after calling so many times. They told me the back office was closed over the weekend and they will get in contact with me if they had any questions and that it was nothing that they could do about it. One guy named XXXX hung up in my face after I asked for his employee-team number because he was being so rude as if I wasnt a hard working individual that need to have access to my funds. Ive expressed them all how unsafe it is to put our trust into these banks and they take and steal our money and they also put holds and blocks on our money when they want to. IT IS NOW TUESDAY and I still cant make purchases on my debit card. I have called and spoke with another team member and he stated that the block is still on my card and it is not absolutely nothing he can do about it. The back off still havent contacted me nor did they contact me when my card was first blocked. This is very inconveniencing and Im having a hard time with this bank since Ive made a complaint about them the very first time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: PA

Complaint narrative:
Dear Experian and CFPB, I am writing to formally dispute multiple discrepancies on my credit report regarding the account with XXXX XXXX XXXX, which contains unverified, outdated, inaccurate, and misleading information that has a profound negative impact on my credit health and overall quality of life. 

**Account Details : ** - **Account Type : ** Installment - **Bureau Code : ** XXXX - **Account Status : ** Derogatory - **Monthly Payment : ** {$0.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$5800.00} - **Credit Limit : ** {$10000.00} - **Past Due : ** {$0.00} - **Payment Status : ** Collection/Charge-off - **Last Reported : ** XX/XX/XXXX - **Comments : ** Unpaid balance reported as a loss by the XXXX XXXX. 
- **Date Last Active : ** XX/XX/XXXX - **Date of Last Payment : ** XX/XX/XXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies present in my report violate this statute and are damaging my creditworthiness. This misleading information not only threatens my ability to secure loans, housing, and other essential services but also affects my mental and emotional well-being.

Additionally, 15 U.S.C. 1681i grants me the right to dispute incomplete or inaccurate information, and it is your obligation to investigate the validity of the information being reported. The derogatory status of this account is particularly damaging, as it misrepresents my financial responsibility and impacts my credit score significantly.

Given the serious implications of these discrepancies, I urgently request a thorough investigation into this matter. I expect you to correct these inaccuracies promptly and ensure that my credit report reflects only verified and accurate information. 

Thank you for your immediate attention to this critical issue. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

Sincerely, 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 2024-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Every time I try to establish an account online I receive an error code. Ive called customer service and they walked me through which site to be on and confirmed my information such as social were correct. Ive been transferred to supervisors waiting hours on the phone while waiting for Mohela to correct the issue so I can log into my account ( currently on hold while typing this out ). Mohela will not place my loans on deferment unless I submit a deferment request form via my account online ( form is hidden online, must use the search feature to find it as per instructions via customer service rep ). My loans are marked as delinquent due to the inadequacies of the organization. 

Ive never had to fill out deferment paperwork before and was not even aware this was the process. I dont even have the option of faxing or emailing the form to anyone at Mohela which is just another tactic at making things as complicated as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-17 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: NY

Complaint narrative:
I recently reviewed my credit report and found an account listed under the name ( XXXX XXXX XXXX ) with the account number ( XXXX ) that is inaccurately reporting late payments for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
( XXXX  ) with the account number ( XXXX ) that is inaccurately reporting late payments for XX/XX/XXXX These payments were actually made on time. The consumer reporting agencies need to ensure all information is reported accurately. These accounts has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entries.

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 2024-09-17 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:
I recently reviewed my credit report and found an account listed under the name ( XXXX XXXX XXXX ) with the account number ( XXXX ) that is inaccurately reporting late payments for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
( XXXX  ) with the account number ( XXXX ) that is inaccurately reporting late payments for XX/XX/XXXX These payments were actually made on time. The consumer reporting agencies need to ensure all information is reported accurately. These accounts has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: AL

Complaint narrative:
I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.

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 2024-09-17 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: MD

Complaint narrative:
My account with Equifax 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.

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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: 1st Franklin Financial Corporation
State: CA

Complaint narrative:
I did not give 1st Franklin Financial any permission or permissible purpose to share my information with a 3rd party company like the CRA 's. I have a right to privacy according to 15 USC 1681, 1692, and 6801. My private information such as my personal loan information, should remain private and not shared with a non aliated 3rd party company. 1st Franklin Financial has shared my information and reported my private information without my consent which is classied as aggerated identify theft. I did not give this company permissible purpose to shared or report any of my information on my consumer report. As a consumer 1st Franklin has an obligation to protect my personal non public information. Pursuant 15 USC 6802 1st Franklin is not obligated to report or disclose any nonpublic personal information to a 2rd party company that has no aliation with 1st Franklin unless they provides me a notice that complies with section 6803 of this law/ I have never received any notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-09-17 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-09-17 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: NC

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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:
On several occasions, I have sent dispute requests to XXXX, XXXX and Transunion and they are failing to respond to any dispute requests! This does not make any sense that these people are governed to respond to dispute request, and they are not. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I have not received any updates on these below accounts in question : XXXX ) XXXX Verification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXXXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX- XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX  XXXXVerification of the accuracy of the disputed information. 

Thank you for your prompt attention to this matter.

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 2024-09-17 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:
On several occasions, I have sent dispute requests to XXXX, Equifax and XXXX and they are failing to respond to any dispute requests! This does not make any sense that these people are governed to respond to dispute request, and they are not. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I have not received any updates on these below accounts in question : XXXX ) XXXX Verification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXXXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX- XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX  XXXXVerification of the accuracy of the disputed information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief