vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-12-01 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: OH

Complaint narrative:
I am filing this complaint against Equifax for unlawfully reporting a child support obligation on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, obligations such as child support do not constitute credit transactions and therefore do not meet the criteria for reporting on consumer credit files. This interpretation is supported by legal precedent, including XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX C XXXX ( XXXX XXXX XXXX XXXX XXXX ), which clarified that child support obligations do not arise from a credit transaction as defined by the amended FCRA XXXX 

I have disputed this entry with Equifax multiple times, but they have failed to remove the child support information from my report. This reporting lacks a permissible purpose under the FCRA and has caused significant harm to my credit profile and financial standing. 

I am requesting immediate removal of the child support obligation from my Equifax credit report. If this issue is not resolved promptly, I will seek legal action to pursue damages for willful and negligent violations of the FCRA. 

Please investigate this matter and ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXX. Acct. XXXX XXXXXXXX XXXX XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX  XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms. 
Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXX. Acct. XXXX XXXX XXXX XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX  XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am having an issue using my AMEX gift card once again. I had the same issue one year ago and had to submit the exact same complaint. I do not understand how these are still able to be issued when I have had such a hard Time using these. I have tried at big box stores and particularly XXXX, which, in my opinion, I should be easily able to use an AMEX gift card at the largest retailer in the world. 
I would love to be able to use the gift card without having to submit a complaint about this. I dont really know what to do though when it is given as a GIFT. I have tried several times on XXXX and I have had no success. Since this happened exactly the same way last year I have not tried to use it multiple locations. I have no faith in this working in most places that I want to redeem a {$300.00} gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
This is regarding " Target '' credit card on my credit report. It is 6 years & 9 months old already. It is exactly ( 3 ) months from falling off my credit report anyway. I have attempted contacting the credit bureaus as well as Target to get this resolved but without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
On XX/XX/year> ( XXXXXXXX XXXX XXXXXXXX ) at the Citibank XXXX on address XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Thru ATM, I requested the ATM to withdraw {$1400.00}. The ATM machine started rolling. I noticed there was some soda residue on the drawer of the ATM. As the machine was rolling it made some rolling noise in the drawer of the ATM and then the drawer opened about a quarter of inch and shut immediately without dispensing any money. The screen on the ATM machine showed an error message. My mother who was sitting in the passenger seat of car witnessed it. Immediately after the error started another transaction and requested {$100.00} withdrawal to ensure that the {$1400.00} didn't get stuck in the drawer. The {$100.00} transaction was successful and the drawer opened and dispensed only {$100.00} as requested in the second transaction. It never dispensed the {$1400.00}. So I held my car at the ATM and asked my mother to go in the branch and ask an associate to help while I waited at the ATM. My mother went in the branch but was told that the Citibank employees at the branch can not help us instead we must call customer service. So I had to move my car out of the ATM driXXXX thru as other people were waiting behind me. I went inside the Citibank brach and ask them to call the customer service for me. The customer service started a dispute. After couple months Citibank rejected my dispute- they said their system does not show any discrepancy and will not give me my {$1400.00} back. I asked them to provide me the details and camera footage but they did not provide. I have appealed twice since then but rejected again and again. It's been almost 8 months and I am asking for my hard earned money back. Please help me get my {$1400.00} back from Citibank. 

Thanks

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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-12-02 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

AXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-02 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: Upstart Holdings, Inc.
State: SC

Complaint narrative:
Many inquiries were unauthorized on those dates that I did not give permission to. My email and my mobile telephone were overtaken by the thief

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OneMain Finance Corporation
State: SC

Complaint narrative:
Many inquiries were unauthorized on those dates that I did not give permission to. My email and my mobile telephone were overtaken by the thief

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
VIOLATIONS 1. ) reporting transactions and experience violates 15 usc 1681a ( 2 ) 2. ) I did not get the three disclosures that required by federal law violates before you can furnish items on my credit report the GrammLeachBliley Act 15 usc 6801-6803 3. ) You sold my non personal information to a third party as stated in your response violation 15 U.S. Code 1681s3 - Affiliate sharing 4. ) Not reporting correctly violates 15 usc 1681 s-2 5. ) Continuing to attempting to collect on a charge off after you gave up your legal rights through the charge off process and sold the accounts violates tax regulations 6. ) Your notice and disclosures has to be aligned with the FCRA 15 U.S. Code 1692e - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

( 13 ) The false representation or implication that documents are legal process.

Yes, a creditor may report to credit bureaus under the Fair Credit Reporting Act ( FCRA ), which is codified in 15 U.S.C. 1681 et seq. However, creditors are not legally required to report to credit bureaus, and it's a voluntary practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
I have been disputing the inaccurate information about my student loans, since XXXX and XX/XX/year>. 
I have filed two CFPB complaints XXXX and XXXX. I have also filed a complaint with the Illinois State Attorney XXXX. 

I have asked TransUnion to verify the information they are reporting is inaccurate and they refuse. I have given TransUnion an original copy of the document of what needs to change. TransUnion has blocked me from getting an annual report online. I have reached out to the following companies, 1. I have provided copies of all my student loan documents showing they have been forgiven under the PSLF, They have not verified the information with the Department of Education 2. I reached out to the Furshier ( XXXX XXXX ) they returned the letter no response from TransUnion 3. I reached out to the courts asking if TransUnion verified the accounts, and they stated no one reached out and they do not report information to the credit agency.

4. TransUnion reports information without verifying the information the other two agencies have changed the student loans after three letters to them and a letter from the State Attorney 's office.

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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I do not know who this is. Therefore I do not remember signing a contract with this company. I have requested that they provide me with the contract I signed with sunrise credit services. As well as proof that they are authorized to operate in the state oif Florida. To see accounting statement for this account. And to see on and off ledger on both private and public side. But until I have recieved anything of sorts, I have requested that they stop reporting and let me opt out as my right of a federally protected consumer per the FCR8.

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 2024-12-01 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: SC

Complaint narrative:
I recently reviewed my credit report and found items being reported inaccurately on my account. These accounts below have been sold/written off profit for loss and account balances reflect XXXX therefore should not be reporting on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Also a letter of validation was sent out to XXXX XXXX XXXX on XX/XX/XXXX and it has been 30 plus days no response due to the address being incorrect in not in the place of business stated on the credit report. The post office sent to address referred and no response of validation other then the debt being sold. Debt has already been resold

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My account with NAVY FEDERAL CR UNION 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 in 60 - 90 DAYS 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. 


NAVY FEDERAL CR UNION 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 


XXXX : XXXX XXXX XXXX A XX/XX/scrub>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 explanation