vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. 

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : MONEYLION INC account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX for inaccurately reporting a late payment to my account, which adversely affected my credit score. I would like the CFPB to help investigate and fix this issue. 

A payment was made on time in XX/XX/ and XX/XX/2023, yet XXXX reported it as late. I previously contacted XXXXXXXX XXXX customer service on XX/XX/2023 to resolve this issue, but the incorrect reporting still needs to be corrected. 

This incorrect reporting has decreased my credit score, which has had significant financial repercussions. I would like for XXXX to correct this error quickly, communicate the correction to the credit bureaus, and give me written confirmation. 

I want you to know that I declare that the information provided in this complaint is accurate and truthful to the best of my knowledge. Thank you for your attention to this matter. I look forward to hearing back from you soon.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
After sending an initial complaint about Indigo closing my account and reporting on my credit report, I received a reply from Concora Credit stating that I was the one that closed my account when in Fact, they closed my account due to the fact that I didnt activate my new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: Army and Air Force Exchange Service
State: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Militar Star

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 2024-04-05 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I was compromised in 2019, I had several inquiries n my credit reports. I had accounts opened up fraudulently opened up in my name. I had been part of the XXXX breach, had a few cards opened in my name I had inquiries and a bank acct open. I also have since still been getting inquiries. During pandemic, I lost my public storage to an auction, in which I kept my personal docs. The individual who obtained my locker contents possibly had access to my ssn dob tax info etc. A Bethpage Credit Union bank account was opened I have recent info by XXXX as well a XXXX that a Bethpage is still reporting on my file. I dont know much of the situation ; however, I do know that an account was fraudulently opened in my name. The expenses are being reported against me illegally also without my knowledge. This is inaccurate information. Upon inquiring with XXXX XXXX XXXX and with my extended XXXX report and my consumer report this needs to be addressed, removed as it has caused banks to look at me as delinquent. I have spoken to XXXX from Bethpage in reference to the fraud affidavit. 

I have just discovered as of recently that I had fraudulent reporting information on my XXXX consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted XXXX to dispute the inaccurate information. 
I contacted XXXX, followed their dispute process and according to the FCRA I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to XXXX. 

XXXX XXXX continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

XXXX XXXX are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my 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 2024-04-05 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-05 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-05 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : Wells Fargo Card Service

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 2024-04-05 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: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX I submitted a complaint about multiple inaccuracies on my credit report. Equifax responded on XX/XX/XXXX that the information /accounts were verified as accurate see complaint # XXXX I pulled a new report to and found the same inaccuracies that still exist. If Equifax did a thorough investigation everything should be reported 100 % accurate. Please see the accounts listed in my dispute letter attached along with the new credit report with all the inaccuracies marked up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
I got a collection on something for my grown son. It was at XXXX XXXX in XXXX, XXXX XXXX 
The services were done on XX/XX/2023 when he got arrested on that day. He is currently incarcerated. How can I get this off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-05 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-05 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: WI

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections. 
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/2024 and status of account charged-off XXXX written-off XXXX but this account has been paid-off. 

You can call XXXX to find out about this account which is paid-off but your investigation came back as your correct information is accurate which is not true here is the payment confirmation number, call them and provide the number to them to confirm payment - 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 2024-04-05 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: FL

Complaint narrative:
I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections. 
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/2024 and status of account charged-off XXXX written-off XXXX but this account has been paid-off. 

You can call XXXX to find out about this account which is paid-off but your investigation came back as your correct information is accurate which is not true here is the payment confirmation number, call them and provide the number to them to confirm payment - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-05 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: OneMain Finance Corporation
State: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Onemain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been paying off promotional balances on my care credit card before the due dates for years, never had a problem. Back in XX/XX/XXXX, I paid off a promotional balance. Since I paid that off, I was working towards paying off the next one that was due in XX/XX/XXXX. I paid that off in time. Then working on a promotional balance that was due in XXXX XXXX XXXX XXXX, I noticed the payments that were made, were not going towards the correct balance. I called a handful of times to discuss this with someone, but couldn't get an answer. Once I finally did, the man was so rude, he told me the payments were going towards a promotional balance that wasn't paid off from XX/XX/XXXX. But he can't go back that far to see anything, that the accounting dept will have to look into it. He said he put a message in for this to be done. ( that was in XXXX and I still have not heard anything ). As the weeks went on, I made my {$80.00} payment every two weeks to pay off the next promotional balance due in XXXX. And every time I check my statements or call, I notice the money I am paying, is not going towards that balance. It actually doesn't show where it's going! And nobody that I speak to is able to figure it out. I have been paying interest on previous promotional balances that were paid off, but Care Credit is saying they were not. I have written over a handful of emails to Care Credit, and I get the same response, " Please call customer service for help ''. And every time I call, I get put on hold and sit for an hour on average just to get hung up on or spoken to rudely that I end up hanging up. I need someone to help me with my account and figure out why my payments are not being applied to my balances!

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 monetary relief