vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 

In addition, I have attached documentation for public records in accordance federal consumers law U.S.1681b.this information is clearly being intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. In addition, the reporting agencies removed all accounts per previous filing and placed them back on my report without any written notice within allot time frame of 5 day.s XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please correct and remove all names that are not associated with my legal identification. All documents are 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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.

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 2024-06-01 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: FL

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on 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 2024-06-01 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: FL

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on 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 2024-06-02 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and Equifax. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX XXXXXXXX reports the account as being opened on XX/XX/year>, while XXXX and Equifax report different open dates- XX/XX/year>. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas Equifax reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while XXXX and XXXX report this account with a high credit limit of {$250.00}, Equifax inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, Experian, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX XXXXXXXX reports the account as being opened on XX/XX/2022, while Experian and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and Experian report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while XXXX and Experian report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.

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 2024-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, and XXXX XXXX sent denial letters for fake loan applications under my name. Fortunately, all my credit reporting is frozen and loans were rejected. Another XXXX XXXX loan company, XXXX, was successful in granting a stolen identity loan. Once alerted to the fraud, I contacted both my bank and the vendor. After questioning these companies, I found the perpetrators have all my information, including my social security number. This issue has been resolved with all money recovered. This would appear by the timing, to be a consolidated effort by the same criminals and I would ask they be prosecuted to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I purchased a dishwasher on Samsung.com via XXXX finance by TD Card retail services. XXXX says XXXX XXXX by TD refused to authorize payment and on my account it shows me charged twice for the same order and transactions posted. Attached is the documentation. I have called TD bank and XXXX repeatedly with XXXX not able to help and TD retail card services being on hold for XXXX hours with no answer. I have submitted the dispute billing form as TD retail card services requested via fax with no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-01 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:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: NC

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NV

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( FCRA ). The information in question is related to the account listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Discrepancies : Status and Status Updated : The account status is listed as " Paid, Closed/Never late '' with a status update date of XX/XX/year>. However, there is no mention of any balance updates or recent payments, which is required for completeness under 15 U.S.C. 1681e ( b ).

Balance Information : The balance and balance update information is missing. For accurate reporting, these details should be provided, ensuring maximum possible accuracy as per 15 U.S.C. 1681e ( b ).

Recent Payment and Monthly Payment : The recent payment and monthly payment details are not specified. Accurate reporting should include these details to reflect my payment behavior accurately under 15 U.S.C. 1681e ( b ).

Terms : The terms of the account are not specified. This information is crucial for understanding the agreement and obligations under the account. It should be accurately reported in compliance with 15 U.S.C. 1681e ( b ).

Highest Balance : The highest balance is listed as {$25.00}, which might be correct but needs to be verified for accuracy and completeness under 15 U.S.C. 1681e ( b ). 

Payment History : The payment history shows the account as " XXXX '' ( Closed ) in XX/XX/year>, with no other payment details provided. This incomplete payment history fails to provide a full picture of the account activity, violating 15 U.S.C. 1681e ( b ) regarding accurate and complete reporting.

Requested Action : I request that these discrepancies be investigated and corrected under 15 U.S.C. 1681i. Specifically, I request the following : Provide accurate balance and balance update information. 
Include recent payment details and monthly payment information. 
Specify the terms of the account. 
Verify and correct the highest balance reported. 
Complete the payment history with accurate and detailed information. 


Please investigate this matter and correct the inaccurate information as soon as possible. I request a written confirmation once the changes have been made. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any of the disputed items are found to be inaccurate or incomplete, they must be promptly corrected or deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there was fradulent accounts on my report. Please remove these accounts off my report, they are hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Zip Co US Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a purchase of {$49.00}. I realized from the domain of the page which is XXXX that it was a false purchase since the real domain is XXXX from the official page, on the same day, XX/XX/XXXX. I contacted the Zip application to stop the transaction immediately while the payment was pending, they limited themselves to telling me to wait 13 days and that they couldn't do anything even if I sent them screenshots of the real and fake page, they even urged me to contact with the scammer, which the ftc agency for reporting fraudulent sites does not recommend and I let them know, I contacted the customer support chat of the real page by sending them the same screenshots as zip and they verified that it was not their page and I sent them the capture with the conversation to zip, ignoring them and only limiting myself to saying that I would contact the seller, not even giving me options. I have screenshots with their customer service of them and even an email reporting the fraud on their page that supposedly should be attended to within 48 hours which has already passed more than 48 without a response from them, which gives me to understand that they do not want to reverse the payment even so when I let them know that it was a fraudulent transaction, since the XXXX I I have contacted them and they have refused to give me a solution until the next payment. My bank did a dispute with this company for the same problem because they refuse to give a Solution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I received a XXXX XXXX card from my job in XXXX as a performance award. I did not pay attention to the expiration date but realized when I went to use it in XXXX that it had already expired in XX/XX/XXXX, less than a year after I got it. In XXXX, I contacted the company on the card ( first via email, then phone ) to see if I could get the card re-issued ( there is a fee associated ) and they stated that no, once it was expired, the funds were lost. There was over XXXX dollars on that card. 

I recently read that there is a law that says there has to be 5 years for these funds to be accessible, which would make what they told me incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/year>, I received an email that Mohela would be switching platforms. I was informed that they would notify me once my account had fully transitioned to the new platform in order to create an account and make my payments. However, I still have not received such an email. I have received emails from Mohela telling me that my account is past due, despite being enrolled in auto payments AND the auto-payments being withdrawn from my banking account like normal. I have also received auto-withdrawal confirmation emails, while simultaneously getting emails informing me that my account is past due. I went to the website to check my payment history, but do not have access and when I click " make a payment '' the website glitches and sends me to the login screen. I'm not sure what I'm supposed to do. The email from XXXX XXXX also mentions that this transition should be complete two weeks after XXXX XXXX, but I still have not received an update. I have also tried to contact them directly, but I can not get through their phone line. The original email also states the following, " Were managing the transfer of Auto Pay information to try to ensure your payments arent interrupted. We will notify you if an interruption occurs so that you may make a manual payment via the new website after the transition is complete. '' However, I have not received any updates, except that my payments are past due. It is frustrating that I can not access any of my loan payment information, their website is useless, my payments are going through, but I am receiving notices that I am missing payments, and it is messing up my credit score. Mohela is a fraudulent and incompetent company that is screwing over thousands of Americans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation