vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I disputed charges made with my debit card to an XXXX account that is not mine. I disputed this with my bank and they " investigated '' it by asking XXXX to confirm the charges. XXXX told the bank the product was main to my address but I did not order the item and the item did not come to me. I disputed again and my bank still did not remove the charge. My bank which I banked with for 30 years says the charge is mine with out any evidence oif this nor have they provided me any evidence of this. I should have limited liability for fraud.

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 2024-11-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: WI

Complaint narrative:
Friday XX/XX/XXXX My sons XXXX benefits were deposited totaling XXXX and he made a few purchases online then direct Express locked his card and I can not get ahold of the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
This account has been settled in 3 payments, which continental finance agreed to for the settlement. The last payment is being made next month, but they still keep reporting it derogatory/delinquent. I continue to dispute it, and nothing changes.

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 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Bank refused payment multiple times over 2 year period, XX/XX/XXXX to XX/XX/XXXX. I had to drive 45 mins to the nearest wells fargo location multiple times to sort the issue out with a bank manager until the summer of XXXX. In the end, I either missed a payment in XX/XX/XXXX, or they wrongfully didn't add the payment into the loan. I continued to make payments until they charged off the account and refused to accept the continued payments of the loan. 
They have also mischaracterized details of the loan on my credit report. Total loan amount was over {$23000.00} with the remaining balance between {$14000.00} and {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to EXPERIAN see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or DELETED immediately. 
Name of Account Account Number Provide Physical Verification 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

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am seeking assistance with an inaccurate account showing on my credit report. This error has damaged my reputation as a customer, and I need your help to address it. These accounts are reported negatively and inaccurately and must be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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!

Update the late payments from my consumer reports

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 2024-11-29 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: NM

Complaint narrative:
I am formally disputing inaccuracies on my credit report concerning the account with XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that the information reported by credit bureaus be accurate, complete, and verifiable. However, the reporting of this account violates these requirements for the following reasons : XXXX. Inconsistent Reporting Across Credit Bureaus : The comments section for the same account differs : XXXX : Dispute resolved; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Consumer disputes after resolution. 
Inconsistent comments can misrepresent the account status to potential creditors. 
XXXX. Dispute Not Properly Updated or Resolved : Despite the account being closed, paid off, and having a {$0.00} balance, dispute comments remain on the report. These comments are misleading, suggesting unresolved issues.

3. Reporting of Late Payments on a Closed Account : The report shows 30-day late payments in the payment history, even after the account is listed as paid and closed with a {$0.00} balance. This creates inaccuracies. 
4. Failure to Verify Disputed Information : If disputes were resolved and the information remains inaccurate, the creditor and credit bureaus may not have fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information. The discrepancies across bureaus indicate a failure to comply.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputes : If the information has been disputed and remains inaccurate, the credit bureaus may have failed to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : Creditors are prohibited from reporting inaccurate information to credit bureaus, especially after receiving notice of a dispute.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative marks like late payments should not be reported inaccurately on a closed, zero-balance account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX. Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/year>, asking them to reinvestigate this account XXXX XXXX XXXX # XXXX is my tracking # XXXX I got the investigation back, but nothing was updated or modified.

So I requested a description of the reinvestigation and they did not provide me with one which is a violation of 15 USC 1681 i ( 7 ).

They also violated 15 USC 1681 i ( 5 ).

Please look into 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 2024-11-29 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: CA

Complaint narrative:
After obtaining a copy of my credit report after getting many calls from debt collectors I wanted to check my credit report to be up to date, i noticed a delinquent account from XXXX XXXX XXXXXXXX credit card, I have no knowledge of that account and I did not authorize that account to be opened under my name. The account seemes to be opened XX/XX/year> and the amount is {$7100.00}. I have obtained an FTC report and I wish to have this matter resolved ASAP as I am getting harrased by debt collectors and this is ruining my credit, I am a victim of identity theft and I need help getting this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After obtaining a copy of my credit report after getting many calls from debt collectors I wanted to check my credit report to be up to date, i noticed a delinquent account from XXXX XXXX XXXXXXXX credit card, I have no knowledge of that account and I did not authorize that account to be opened under my name. The account seemes to be opened XX/XX/year> and the amount is {$7100.00}. I have obtained an FTC report and I wish to have this matter resolved ASAP as I am getting harrased by debt collectors and this is ruining my credit, I am a victim of identity theft and I need help getting this fixed.

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 2024-11-29 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-29 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received a debt collection notification letter dated on XX/XX/year> from XXXX XXXX XXXX XXXX XXXX for a XXXX  account originated with XXXX. It states that my XXXX account was now owned by XXXX XXXX XXXX XXXX, XXXX and the total amount of the debt amount was {$1300.00}. Following the notification, my XXXX account was settled with the collection agency. This settlement was completed on XX/XX/year>, and the balance was resolved in full. I received two emails from the collection agency : Agreement to Resolve Your Account letter issued on XXXX XXXX and Account Resolution Confirmation letter issued on XX/XX/year>. However, to this date, almost a year after it was settled and resolved, the balance is shown in my records as owed. The collection agency has failed to update my records in the credit reporting bureaus. I have made multiple phone calls to both the collection agency and original lender. Multiple times, they opened tickets to investigate the matter, but have never reached out to me with updates or results. I sent a letter requesting the collection agency to update my records. I request the Consumer Financial Protection Bureau to enforce compliance on the collection agency 1 ) to update my records accordingly and immediately.

2 ) to cease any further collection activities regarding this account 3 ) and ensure that no negative marks related to this resolved debt appear on my credit report.

Thank you

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I received a debt collection notification letter dated on XX/XX/year> from Spring Oaks Capital , LLC for a XXXX  account originated with XXXX. It states that my XXXX account was now owned by Spring Oaks Capital SPV , LLC and the total amount of the debt amount was {$1300.00}. Following the notification, my XXXX account was settled with the collection agency. This settlement was completed on XX/XX/year>, and the balance was resolved in full. I received two emails from the collection agency : Agreement to Resolve Your Account letter issued on XXXX XXXX and Account Resolution Confirmation letter issued on XX/XX/year>. However, to this date, almost a year after it was settled and resolved, the balance is shown in my records as owed. The collection agency has failed to update my records in the credit reporting bureaus. I have made multiple phone calls to both the collection agency and original lender. Multiple times, they opened tickets to investigate the matter, but have never reached out to me with updates or results. I sent a letter requesting the collection agency to update my records. I request the Consumer Financial Protection Bureau to enforce compliance on the collection agency 1 ) to update my records accordingly and immediately.

2 ) to cease any further collection activities regarding this account 3 ) and ensure that no negative marks related to this resolved debt appear on my credit report.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXXXXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$7900.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief