vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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 ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX 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 in ( MONTHS REPORTING LATE ) 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. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 explanation
Consumer complaint received 2024-07-17 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have been banking with Chime since XXXX. Just this past Thursday ( XX/XX/XXXX ) someone with the chime account $ XXXX scammed me out of {$200.00}. She was acting like she was my children 's grandmother. She asked for money for her bills and I sent it to her, thinking that was my children 's grandmother. After speaking with my children 's father he said that wasn't his mom asking for money her FB XXXX was hacked. This scammer reached out to me on fb messenger from my children 's grandmother account. This scammer even video called me with my children 's grandmother picture on the screen that's why I didn't really think nothing of it. I filed a police report because I will be pressing criminal charges and I uploaded my police report along with the conversation between me and this scammer. My dispute was denied because they said I sent the money and there is nothing they can do. I have XXXX children the youngest is an infant. That {$200.00} was my last. Every representative I talked to was listening to respond instead of listening to understand. I was also told there is nothing Chime can do if you get scammed. That is unacceptable especially if I have proof that I got scammed. And what happens to this scammer? She gets to keep her account and my money and anybody else 's money she may have scammed people out of? I really need my money and help support can not help me. If you could resolve this issue in any way I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: RI

Complaint narrative:
To begin with the account with original Creditor  XXXX XXXX  was a fraud,,, I ended up paying the account off paid to delete in XX/XX/XXXX and they deleted as agreed. On XX/XX/XXXX they reported to Credit bureaus again. i called Williams & fudge inc ask for letter of debt validation the representative respond that they no longer work with original creditor and gave me a phone number XXXX went to voice mail looks very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I contacted M & T Bank to close an account I did not open. I requested information on when the account was opened, what information was used to open it and other identifying information. They would not release any information to me. I asked them to send me confirmation that they had closed the account they refused. I am still receiving information about an account that is still open after I requested that they close 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 non-monetary relief
Consumer complaint received 2024-07-17 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
My access to my account with SoFi was restricted on XX/XX/XXXX and I have called several times with no responses being given. They can not tell me why my account has been placed on the restricted access, seemingly can not contact or reach the team that is reviewing this, can not put me in contact with any agent that is reviewing my account, and can not give me any estimated length of time as to why this has been restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: WI

Complaint narrative:
I am frustrated and it's been days, XXXX, even weeks since this situation has taken over my mental health. I would want to get myself diagnosed by a therapist but I can not afford them due to the lack of my financial score. The company has reported information on my report that are not verified or checked and I am suffering for such consequences.

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 2024-07-17 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if 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 2024-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I submitted military orders requesting SCRA protection be applied to my account on XX/XX/year>. According to customer service reps, the account was approved and placed on XXXX protection on XX/XX/year>. My interest rate has not been reduced. I have called in several times requesting information pertaining to the interest rate reduction and I get a number of different accounts of what is going on with the account but as of today XX/XX/year> the interest rate has not been reduced. I sent an email requesting something stating the account is under review or approved or denied but I have yet to receive anything. The interest rate has not been reduced and when I call all I am told is that they have no further updates on my account. I called today and spoke with XXXX in customer service XXXX department and asked for a number to Corporate and he stated he didnt have one. I asked if he could ask the supervisor for one who stated he didnt have one either. I then asked for an email for corporate and they both stated they didnt have an email for their corporate office. It has been well over a month and emails later and I havent received a response or any changes to my account. I am reaching out to you in hopes to gain additional resources regarding this matter. I will also follow up with the XXXX with my state military department. Please investigate this companys XXXX practices in addition to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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 never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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 report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-17 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: PA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their handling of a disputed auto loan account reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by Experian without a proper investigation. 

I have provided substantial evidence directly to XXXX XXXX XXXX XXXX, which clearly demonstrates the inaccuracies in their reporting. However, XXXX has failed to take the appropriate action to delete the erroneous information. Moreover, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. 

Experian has solely relied on XXXX XXXX XXXX XXXX 's inaccurate and incomplete information, disregarding the documentation I have provided directly from the furnisher. This demonstrates that Experian has not conducted a proper investigation as required by law. 

The specific violations in this case include : Failure to Conduct a Reasonable Investigation : Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute from a consumer. Experian has failed to fulfill this obligation by relying solely on XXXX 's inaccurate reporting and ignoring the evidence I provided. 

Failure to Correct Inaccurate Information : Under FCRA Section 623 ( a ) ( 2 ), furnishers of information are required to correct and update information that they determine to be incomplete or inaccurate. XXXX XXXX XXXX XXXX has failed to comply with this requirement, and Experian has not taken the necessary steps to ensure the accuracy of my credit report. 

Negligent and Willful Noncompliance : Under FCRA Sections 616 and 617, both furnishers and credit reporting agencies can be held liable for negligent or willful noncompliance with the Act. The failure of Experian to properly investigate and correct the inaccuracies in my credit report constitutes noncompliance with the FCRA. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that Experian conducts a thorough and proper investigation into my dispute. I request that the erroneous auto loan account reported by XXXX XXXX XXXX XXXX be deleted from my credit report immediately. 

If this matter is not resolved promptly and satisfactorily, I will pursue arbitration for the violations mentioned above. Your prompt attention and assistance in this matter are greatly appreciated.

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 2024-07-17 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:
In accordance to the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCT NAME XXXX XXXX XXXX  ACCT # : XXXX ACCT NAME : XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT NAME : XXXX XXXX XXXX  ACCT # : XXXX 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. Further states a consumer reporting agency can not furnish an 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 my information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I disputed the above-mentioned item through XXXX XXXX, and they attempted to reach out to XXXX. However, XXXX has failed to respond to this dispute. The case number from XXXX XXXX is XXXX. I have not received any written response from XXXX to date, which is now XXXX calendar days past the initial dispute. 
This failure to respond violates Section 611 of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that credit reporting agencies complete their investigations within 30 days. I am attaching documentation from the courthouse that supports my claim that the XXXX  XXXX Bankruptcy information is inaccurate. On XX/XX/year>, I was denied a credit application from XXXX due to the erroneous bankruptcy reporting on my credit report. I have a copy of the denial application for reference.

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