vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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:
These accounts were not authorized by me and I need them closed and removed 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 explanation
Consumer complaint received 2024-10-09 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: TN

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report, which I have previously raised for investigation. Despite my repeated requests, these errors remain uncorrected, and they continue to have a detrimental impact on my financial standing. The incorrect information on my credit file is not only causing damage to my XXXX XXXX but is also creating significant obstacles in my ability to secure financial opportunities and live a normal life. 

These inaccuracies have resulted in considerable hardships, and I am requesting immediate corrective action. I respectfully urge you to conduct a thorough investigation of the disputed accounts and take the necessary steps to update my credit report accurately. 

It is critical that this matter be resolved without further delay. I hope that with your assistance, my credit file can be restored to reflect its true and accurate status, allowing me to regain control of my financial health. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to your swift response. 

Thank you for your understanding and support.

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 2024-10-10 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: PA

Complaint narrative:
XXXX is inaccurately reporting late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. XXXX has also taken an adverse action against me by closing my account rather than filing arbitration to resolve the issue : pursuant to our account agreement. 
Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.

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 2024-10-10 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: PA

Complaint narrative:
TD is inaccurately reporting late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. TD has also taken an adverse action against me by closing my account rather than filing arbitration to resolve the issue : pursuant to our account agreement. 
Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.

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 2024-10-09 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: MD

Complaint narrative:
I disputed several inaccurate and unverifiable accounts with Equifax, including a mortgage with XXXXXXXX XXXX, a credit card with XXXX, and a derogatory account from XXXX XXXX XXXXXXXX XXXX which were reported incorrectly as late, open with a {$0.00} balance, or charged off. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy in the information they report.

After multiple dispute letters to Equifax, I requested that they provide the method of verification for each disputed account under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and the business name and contact information of the entities that furnished the disputed information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). Equifax failed to comply with this requirement and continued reporting the erroneous information without proper investigation.

Despite my evidence proving the inaccuracies of these accounts, Equifax failed to remove or correct them. Their actions ( or inactions ) violate their duty to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a proper investigation and correct or delete inaccurate information once a consumer dispute is submitted. 

Examples include : XXXX XXXX XXXX : Listed as XXXX days late with inconsistent last reported dates across bureaus. This violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ), which mandates the deletion of unverifiable information. 
2. XXXX Credit Card : Incorrectly listed as open with a {$0.00} balance and inconsistent activity dates, violating the accuracy requirements under FCRA 1681e ( b ). 
3. XXXX XXXX XXXX : Reported as derogatory and charged off, yet no final resolution to the dispute is reflected, violating FCRA 1681s-2 ( b ).

Equifaxs refusal to remove these accounts despite their inability to properly verify the information as required by law continues to harm my credit score. Equifaxs failure to perform a thorough investigation is a violation of their responsibilities under XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. 1997 ), which requires credit reporting agencies to go beyond superficial checks and conduct a meaningful investigation when provided with substantial evidence of inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This card includes travel & baggage protection. During a trip for which I used this covered card to purchase the ticket, a bag was so damages that it could not be used any longer. I timely submitted the claim. AMEX has wrongfully denied the claim because AMEX used bad faith to fail to honor advertised benefits and to discriminate against minorities. I have tried XXXX times to call/communicate/re-open the claim but AMEX continues to use XXXX faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 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: VA

Complaint narrative:
I have been repeatedly disputing inaccurate information with Experian that is legally required to be removed from my consumer file. Despite my persistent efforts, including providing supporting documents, letters, forms, and even self-attestation as allowed under the FCRA 605 ( c ), Experian continues to verify this information as valid, even when it is past the statute of limitations for reporting. It is incredibly frustrating to deal with a consumer reporting agency that fails to honor my rights as outlined by the Fair Credit Reporting Act. I have every right to dispute inaccuracies and expect that Experian remove or correct the information when notified. However, Experian seems more intent on protecting the interests of the creditors rather than ensuring my consumer file is accurately reported. Their actions suggest a bias towards the creditors, rather than maintaining neutrality in the dispute process. 
I am tired of receiving nothing but generic, computer generated responses to my concerns. These responses fail to address the specific issues raised, and the process feels intentionally opaque. Despite providing clear, consistent evidence of the inaccuracies in my report and multiple attempts to communicate with them, my disputes are not being handled properly. 
Even the CFPB, which I have turned to for assistance, has not been helpful in resolving this ongoing issue. This lack of resolution continues to harm my credit file and undermines my rights as a consumer. It is unacceptable that Experian is permitted to verify outdated and incorrect information, and it is even more frustrating that there seems to be no adequate recourse to resolve these issues in a timely and fair manner.

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 2024-10-09 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: TX

Complaint narrative:
This morning, I was shocked to discover that my credit report contains inaccurate accounts, and I cant understand how this happened. I routinely check my report, and out of the blue, there are discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccuracies remained. Given this troubling issue, I am requesting a careful review of the documents I've submitted so that I can have peace of mind going forward.

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 2024-10-09 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: TX

Complaint narrative:
I was absolutely stunned to find inaccurate accounts on my credit report this morning, and I cant fathom how this happened. I check my credit report regularly, and suddenly there are discrepancies that Ive never seen before. I even tried refreshing my browser, hoping it was just a temporary glitch, but nothing changedthe inaccuracies are still there. Because of this alarming situation, I urgently request that the documents I submitted be thoroughly reviewed, so I can finally feel secure and at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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 account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported to be removed. 

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/year>, my Chime account was closed without any prior notice. I was not informed via email, message, or phone call about the account closure. I only discovered this when I attempted to log into the Chime app and saw that I had no account with them. I immediately contacted Chimes customer service to understand what happened, and they informed me that my account had been closed. They mentioned that they would send me a check for my funds. 

On XX/XX/year>, when I contacted Chimes customer service to inquire about the closure of my account, it was reopened during the call. However, the money was no longer in the account. I have made multiple calls to Chime, and the representatives seem confused about the status of my account. They acknowledge that it is now open, but they are unclear about the sequence of eventsspecifically, that my account was closed and then reopened, yet the funds are missing. 

Later, I received an email stating that my account balance of {$1200.00} was transferred to the state due to an extended period of inactivity, as per state and federal guidelines. They advised me to check my states unclaimed property website to retrieve my funds. However, when I checked the website, there was no record of my funds. 

During multiple subsequent calls to Chime, representatives informed me again that they would send a check for my missing funds, but they seemed confused and unsure about what had happened to my money. This situation has caused me significant stress, as I relied on these funds for emergencies. I need clarification on the status of my funds and instructions on how to recover them and why I was not informed about the account closure and the status of my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: NJ

Complaint narrative:
I woke up on XXXX  to a charge of {$18.00} from XXXX XXXX in my bank checking account. 

I never made this purchase nor did i authorize it. so of course I filed a dispute and after filing my dispute my checking account was put on hold/suspended. 

If I was in an emergency and needed my funds, I now can not do that. The money in my bank account now can not be transferred out to a seperate card because the account has been suspended. 

I would like to report this bank, their customer service is poor and lots of fraudulent activity going on. The bank name is DAVE its an app and they are connected to XXXXXXXX XXXX XXXX XXXX. 

Please resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TN

Complaint narrative:
Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802. I have been a victim of identity theft affected by Equifax breach and XXXX XXXX that stems into XXXX  related synthetic fraud as well. Please see attached proof of the breaches and identity theft. I have sent correspondence over to Equifax and wasnt able to get a response. I have hired XXXX XXXX XXXX XXXX to escalate the matter if needed. But hoping to resolve this matter in this way : thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CCB/ULTA, XXXX am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX identity theft and consumer protection laws. 

It has unequivocally come to my attention that CCB/ULTA has XXXX in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft XXXX ( XXXX XXXX Cons. XXXX. XXXX ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for CCB/ULTA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CCB/ULTA immediately XXXX any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant XXXX theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CCB/ULTA will XXXX rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation