vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Regarding this collection, I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The opposing party XXXX XXXX XXXX  and carried XXXX XXXX XXXX and was fully insured. After all of the reports were filed, and my vehicle was deemed totaled by the adjuster, XXXX XXXX paid the total due and everything was thought to be resolved. However, Arvest Bank sent me a bill totaling {$1500.00} stating that this was the remainder of what was owed on my vehicle. I then directed them to XXXX XXXX providing all of their contact information, as well as the contact information for XXXX that I carried on my car. After that, I did not hear back from anyone for several months and assumed that this bill was paid. However, I then received several phone calls from Arvest Bank asking for this payment. We then directed them to contact XXXX XXXX and XXXX as well. So fast forward to now, and I received this collection notice from XXXX XXXX XXXX XXXX asking me to submit the payment in full listed on the statement I have attached.

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 2024-12-23 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: NJ

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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 2024-12-23 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

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 2024-12-23 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:
This is my second time contacting Transunion fraud dept and special handling team about these inquiries on my credit report. I called on XX/XX/year> and talked to a representative about this matter and gave them the complaint number from the previous complaint from the CFPB. The agent lied and stated that the CFPB was phony, and it was not a real complaint. They lied and needed to be dealt with. They are not compliant and not following the rules of the fair credit reporting act XXXX Inquiry added on XX/XX/year> XXXX  Inquiry added on XX/XX/year> XXXX XXXX Inquiry added on XX/XX/year> XXXXXXXX XXXX Inquiry added on XX/XX/year> XXXX XXXX Inquiry added on XX/XX/scrub> 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 2024-12-23 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: NJ

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: VA

Complaint narrative:
XX/XX/year> Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : TransUnion and XXXX are reporting a 30-day late payment in XX/XX/scrub>XXXX XXXX This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, TransUnion and XXXX continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, TransUnion and XXXX have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from TransUnion and XXXX. 
Written confirmation of the correction from XXXX. 
XXXX that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
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 non-monetary relief
Consumer complaint received 2024-12-23 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: VA

Complaint narrative:
XX/XX/year> Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : TransUnion and XXXX are reporting a 30-day late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, TransUnion and XXXX continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, TransUnion and XXXX have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from TransUnion and XXXX. 
Written confirmation of the correction from XXXX. 
Assurance that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
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 non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Unauthorized inquiries have appeared on my credit report this morning, and Im not sure why. I checked my report as usual, but this time there were unexpected discrepancies. I even tried refreshing my browser in case it was a glitch, but the inquiries remained. Im urging you to review the documents Ive submitted so I can finally stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/year>, i went to move money from my savings to my checking. it kept saying it wasnt eligible. I called J.p. Morgan chase and they told me my account is restricted and it will be closed. they said a XXXX dispute from XX/XX/XXXX is the reason why. it doesnt make sense for someone to dispute a payment they sent XXXX months later. ive called and repeated asked for answers as to why this happening and they refuse to give me answers. there was no fraud on my account. there hasnt been any to begin with. all they keep telling me is that theyve opened up a case and they will get back to me. ive had to call them every single time. the bank told me they would close my account XX/XX/XXXX and my money wont be sent out till the XXXX. thats unfair and isnt right at all. theyve continued to hit me with misinformation. ive banked with them for a year and my credit and bills go through that account. today is XX/XX/XXXX and i still havent seen my money. I also will state that the same exact thing happened to someone who was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they got it fixed as soon as possible for there case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
I purchased services from XXXX law group on XX/XX/XXXX for {$3700.00} and XX/XX/year> for {$3900.00} they promised me they would get me evidence that my lawyer needed to build a XXXX case against my contractor that did work in my house they followed through and gave me documentation but turns out the evidence they gave me are experimental tests and are not XXXX approved my lawyer said that these tests are not the correct tests and can not hold up in court because they are not XXXX approved. When I requested a refund they refused so I went through Wells Fargo my credit card company to get a refund it was closed in the favor of XXXX XXXX XXXX saying that they provided me everything they promised. These people lied me and the documentation was copy and pasted from a random post on the internet I paid XXXX $ for information that I and my lawyer can not use. My credit card company refuses to do anything about this even though I have clearly been scammed XXXX law group changed their name to XXXX case consulting because they were misleading people to think that they are lawyers when they are not.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We are disputing the inaccurate of the information reported by Ally Auto Financial on my/and my daughters credit report. The reporting of six months of late/missed payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect and unfair. 
This is a joint account held by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The account was included in a XXXX XXXX XXXX filed solely by XXXX XXXX XXXX ( XXXX # XXXX ), which was fully discharged on XX/XX/2024. Importantly, XXXX XXXX XXXX was not part of the bankruptcy proceedings and has remained committed to making payments on this account. 
Despite multiple attempts via phone and through legal counsel to make payments, Ally Auto Financial declined to accept them until XX/XX/2024, when they finally agreed to accept payments via mail. The reporting of these payments as late on XXXX XXXX XXXX credit report is both inaccurate and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased furniture from the furniture store Raymour & Flanigan using the store credit card to utilize the XXXX month no-interest payment plan on XX/XX/year>. The promotional payment plan was offered or a discounted cost for the furniture. I opted for the finance plan on the purchase. After exchanging a mattress from the initial purchase for a lower cost mattress on XX/XX/year>, my minimum payment went from {$140.00} a month to {$180.00} a month. I contacted both Raymour and TD regarding this issue by phone in XXXX of XXXX, and I submitted a written request for correction through the Help Center My Message feature on XX/XX/year>. I have been contacting both companies for the past 6 months attempting to resolve this issue. They have both promised to correct the minimum payment amount, but neither company has made the correction, and both confirm that TD must make the change with its back-office staff. A request to make this change was made in XXXX, XXXX, and XXXX, and a supervisor in TD Customer Service submitted the required change on XX/XX/year> to the TD back-office. The incorrect amount remains, and I owe {$180.00} as the minimum amount due for the XX/XX/year> payment. I am not receiving the correct payment amount and TD has said I just need to wait, but the additional {$52.00} a month is making payments difficult, and it is not correct. Making a payment of {$180.00} a month reduces my XXXX no-interest financing payment plan down to XXXX  months. If I had know I would run into this issue, I would have used the sale price promotion instead of the promotional payment plan. TD did not initially apologize, and they told me on multiple calls before XXXX that the amount was correct, but then they finally acknowledged the error on XX/XX/year>. When I call back to inquire about the status of the correction, I have to go through the same process of explaining the error or waiting until the customer care representative reviews the notes on the file ( which takes roughly XXXX minutes ). I have called multiple times over the past XXXX months and spent multiple hours on hold trying to correct this issue. I continue to make the incorrect minimum payment of {$180.00} because there are numerous reports online of customers who have been subjected to late fees and negative reports to credit agencies. I do not want to have any other issues develop due to this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-12-23 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX XXXX an unauthorized transfer of {$1100.00} was initiated from my Cash App Account to a Bank Account ending in XXXX that I didn't recognize or authorize. The very next day this bank account ending in XXXX was unlinked from my Cash App Account. I later found out from Cash App that the bank this account was associated with was a bank called XXXX XXXX XXXX XXXX XXXX XXXX. I immmediately reached out to Cash App to complain & to inquire about what could be done to get my money back. I was told that they would log my complaint & investigate it. I was told this for months & each time I would have to call back into Cash App to inquire about my missing money. I was never able to speak to the same person twice so each time I would call to find out if any news has came from my previous call & complaint, I would end up having to explain the entire situation all over again from the begining and after which the person I was speaking with at that time would file another complaint & tell me that someone would be in touch with me. Finally I was able to get them to send an indemnity over to the bank that received the funds from my account but nothing came of it. I eventually found out that Cash App did not send any context or information backing up the indemnity request but just requesting this money back. Which was denied by the XXXX XXXX XXXX since no information to support anything or even an explanation was given to them. I have account records, email exchanges & also Cash App just agreed to pay {$15.00} XXXX to their customers from a lawsuit that was concerning these very topics.

Company response to consumer: Closed with explanation