vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: OH

Complaint narrative:
These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this ILLEGAL/FRAUDULENT account back to my XXXX report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: LA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account is still being reported on my credit report after being DELETED by XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 
Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ENTERPRISE FINANCIAL SERVICES CORP
State: CA

Complaint narrative:
I have opened a business and personal checking account with Enterprise Bank and Trust in XXXX XXXX XXXX, California. Per rep no minimum balance si required and I can even keep it open with XXXX balance after 1 year I just noticed bank closed my both accounts without any communications in any shape or form such as letter, text and phone call. They don't provide proper information how and why by who it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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 reviewed. my consumer repot and noticed that I had two late payments on an account that I never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to The best of their ability with maximum accuracy. I have never been late on payments for The accounts that I have included screenshots inside this complaint in on The dates of [ XX/XX/year>, XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to The fact I was never late. Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
I reviewed. my consumer repot and noticed that I had two late payments on an account that I never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to The best of their ability with maximum accuracy. I have never been late on payments for The accounts that I have included screenshots inside this complaint in on The dates of [ XX/XX/year>, XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to The fact I was never late. Thanks! Please see screenshots 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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I checked my credit card account online on XX/XX/year> to verify that a payment had posted to my account. When I logged in, I found that my credit limit had been reduced from {$5000.00} to {$3000.00}. I had no idea why this happened since I've had this account for XXXX years with no incidence of issue or mis-use on any level. 

I called customer service and they told me that I had not been using my card to " capacity '' and that I would have to re-apply to re-instate my limit even though I did nothing to incite this reasoning. My request to have my limit re-instated was immediately declined. 

I have never had an issue of delinquency with this company ; they have simply decided to reduce my credit limit and at the expense of providing a reduction to my credit score in the face of their own malfeasance. No reason for them to do this ; I did nothing wrong except that I chose not to use their credit card with a high interest rate to some sort of maximum capacity. Apparently, I'm being told how and when I should be using credit and at whose expense ; obviously, mine. 

I closed the account immediately and want this company put on record for their actions.

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 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I disputed this as a fraud charge and asked that for it to stop being reported on my credit until resolved, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
Since XX/XX/XXXX, I have made my monthly payment on time and generally round up my payment ( sometimes by cents and sometimes by dollars ) for the extra to go towards my unpaid principal balance ( XXXX ). A few months ago ( mysteriously I can not find the message in their history ) I noticed that instead of applying extra towards XXXX, they were just holding it. So instead of reducing my XXXX and the amount I have to pay in interest over the life of the loan, they just hold my money. This is abusive. I sent a message asking to have that extra money applied to XXXX and explained that is why I send extra. Toyota then applied it, but they didn't backdate it. 

Fast forward to XX/XX/XXXX and I noticed they were holding my money again. I sent a message requesting the exact same thing as before, letting them know I've never seen a company not let someone pay extra to XXXX *with* the payment. To pay extra XXXX, I would have to go to a different screen and the minimum is {$5.00}. Nowhere in my contract does it say I can not make less than a {$5.00} XXXX payment that I could find. 

Today I logged in and someone reversed my ENTIRE payment and put it to XXXX, when I only asked to have the additional funds put towards my balance. Who thinks I would want an entire payment reversed, causing me to be past due? So to my surprise today, XX/XX/XXXX, I am suddenly due for 2 payments and considered past due. Now this could potentially affect my credit, and again my money is not being applied correctly. So I am being forced to pay additional interest in the long run, and they won't let me round up my payment. This is completely unfair and lets Toyota take more of my money in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-09-13 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-09-13 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: MO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
This account was charged off on the following date ( XXXX, 2024 ) since then this account has incorrectly been reported as a charged off account with a balance due. A charge off account should NOT have a past due balance. This inaccurate information is highly injurious to my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX Account number 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 2024-09-13 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: TX

Complaint narrative:
This account was charged off on the following date ( XXXX, 2024 ) since then this account has incorrectly been reported as a charged off account with a balance due. A charge off account should NOT have a past due balance. This inaccurate information is highly injurious to my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I requested a free credit report from Experian last week. The other two free credit websites I received a report no problem. 

I receive an error message from Experian and an XXXX number to call. 

I am unable to reach a human to talk to. The number is a complete waste of my time. 

I am unable to make any progress at all to figure out why my account is receiving an error message.

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 2024-09-13 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
I closed a previous account and received a check for the remaining funds in my account. I opened an account at First Tech Federal Credit Union on XX/XX/2024 and funded the account with a transfer from a savings account. On XX/XX/2024, I made a mobile deposit of this check for {$22000.00} to my account. The mobile deposit limit is {$50000.00}, so I assumed it would be fine. I made the mobile deposit and immediately received a notification that my account was frozen and temporarily suspended and I was unable to access my account in any way. I called the bank and they told me I was suspected of fraud. On XX/XX/2024, I sent the fraud dept a copy of the email from my previous bank confirming that the amount of my returned funds check, a copy of where I had gotten the funds from for my social security payment, and a copy of the entire check, including the paystub. I also sent them a copy of my drivers license, my social security card, and a copy of my utility bill that contained my home address. I was told that my account would remain frozen for 45 days while an investigation takes place. I stressed that I had proven my identity, proven the validity of the check, and shown proof of where I had gotten the money. I was told that I needed to be patient and they have lots of claims to investigate and they will get to mine eventually. Meanwhile, I have no access to my account, or my money. First Tech Federal now holds over {$22000.00} of my money and refuses to give me access to it.

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 2024-09-13 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 

Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief