vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met.

New Evidence of Error Experian : The account incorrectly reflects a XXXX late payment in XX/XX/2024 and a 60-day late payment in XX/XX/2024, despite timely payments being made. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, Experian, and XXXX shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, 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 2024-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II
State: SC

Complaint narrative:
On XXXX I received an email from XXXX XXXX advising me that they " identified potentially fraudulent intent '' associated with a recent loan transaction. They also advised that I have not made a payment on a loan I took with them and finally they advised that I have taken steps to prevent them from collecting the and/or communicating with me. 

1 : There was on fraudulent intent. When I applied for the loan I felt that I could afford to pay it and when they verbally asked if I could repay it I said yes. Shortly after I took the loan my world turned to XXXX! My wife left me for another man, and basically left one income to support a two income household. The mental anguish from my wife leaving me exasperated my XXXX ( from my numerous XXXX XXXX XXXXXXXX ) and my therapist strongly suggested I move away from the XXXX XXXX XXXXXXXX XXXX stop being reminded of my wife all the time. Naturally moving as well as running a two income household on one income put a stress on my finances, and for my own health I needed to make decisions on what to pay and what not to pay. As a result of my wife leaving me, my finances have suffered and I'm not able to repay this loan. 

2 : I have made payments on this loan 3 : I revoked my XXXX XXXX as I believe I am able to, and XXXX continually called me at work and asked them to cease calling during working hours. I'm more than willing to talk to them during hours when I am not at work. 

They want to accuse me ( a XXXX Veteran ) of fraud but look at their business practices! They charge outrageous interest rates and use tribal sovereignty as their mechanism to do so. I'm willing to bet that if you look closer, this is actually a " XXXX XXXX  XXXX '' scheme and the payday lender ( who is not on XXXX XXXX XXXX ) is making a killing, while the XXXX  named in these loans is getting pennies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2024-10-25 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has cause me great XXXX, XXXX, and financial hardship.

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 2024-10-25 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: GA

Complaint narrative:
I am writing to dispute the late payment entry on my credit report for the accounts listed below, with account numbers. I believe this entry is inaccurate and request that the late payments be removed from all my credit reports. 
I kindly request that you investigate this matter and remove the erroneous late payments from my credit report. 
Also citing 15usc1681 ( 4 ) and 15usc 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
please read the attached document that explains everything. This document was postal mailed to the CEO, since all my other attempts failed. I never got response from CEO and my acct was never fixed. 

When it is fixed, id like back interest starting the date of maturity. 

Note that I did get email responses to at least one of my faxes, so i know it was received. Ive also used this fax number previously to request acct actions. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My account was not authorized for automatic withdrawals. After my payment fell behind due to a partial payment, Navy Federal Credit Union begin taking money out of my account without my authorization which put me in a financial bind with my XXXX XXXX XXXX. The funds in my account were going to be used for partial payments to keep my bills afloat while enduring hardship. This is an economic emergency and not even the banks can pay their debts and loans. The American people depend on administrative process to dissolve debt. Unless you are indigenous or identified under colorable law. My debts have been reported to the Internal Revenue Service via XXXX and XXXX I have been mailed my copy so I know XXXX XXXX got theirs, however they are still evading their administrative duties that they volunteered to uphold. They only want to continue to trade the contract for profit while it sits on their accounts receivables. That means the interest fees go to them not XXXX XXXX. Their execution, their decision, their profit and liability. How can someone be allowed to hold a contract on their accounts receivables and charge the beneficiary of the contract interest fees. And the XXXX government continues to let these people ravish the consumer even in an economic emergency. This is simple accounting. And I will keep filing complaints until your entity forces them to act with clean hands when dealing with my consumer 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 2024-10-25 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: WI

Complaint narrative:
I was completely shocked this afternoon to see incorrect accounts suddenly appear on my credit report. I regularly check it, but this time there were errors out of the blue. Even after refreshing my browser, the inaccuracies remained, showing it wasnt just a glitch. This has left me concerned, and I need reassurance that the documents Ive provided will be carefully reviewed so I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I have a employee that obviously wrote a bad check to XXXX. XXXX XXXX XXXX XXXX has been calling my business stateing to one of my employees that I have written a bad check to XXXX. Obviously this is incorrect information not to mention it's embarrassing. It's my understanding that this sort of thing is not permited.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Bank of Texas has seized my bank account with due process of the law. 26 usc 61 source of income. IRS publication states income must return to source and no were it is stated Bank of Texas is source. Since XX/XX/year> Bank Of Texas along with its employees Autumn XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has conspired to commit fraud, deception, malfeasance. CEO XXXX XXXX has been notified and refused to resolve this unlawful, unconstitutional seizure of my bank account. The only option I have is to file 1099B on the bank and federal lawsuit against bank of Texas and its individual employees. No were in the United States of America constitution it states Bank of Texas can seize money from living breathing natural men. I have spent countless hours to resolve this unlawful seizure including sending notices to Bank Of Texas. I want this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A NATRUAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERNED BY 15 USC 1681. AND THE HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCOUDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE TRANSUNION WRITTEN OR VERBAL PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XX/XX/year> XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not authorize the listed hard inquiries ; please remove them from my report under 15 USC 16c-2, as theyre causing credit issues.

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 2024-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: AK

Complaint narrative:
I moved out of XXXX XXXX XXXX around XX/XX/XXXX. I cleared everything out, I gave them my XXXX XXXX XXXX XXXX and told them I was leaving due to those orders. I was paid up on my rent. I moved out and they sent me another bill because they said I needed 30 days advance when I gave them a copy of orders. I refuse to pay that rent because I was not living there, I had nothing there, no utilities there. As a result based on what I have been told and it has been almost 2 years now and I have no proof of the debt. A debt that apparently includes multiple late fees, a rent charge, damages, and an early termination fee. Knowing how I left that apartment the only charge for that final bill should have been for the carpet damage that I do acknowledge that my cats at the time had damaged. This is all been handled in my opinion very illegally and violated my rights as a service member and broke a clause in my lease for the " early termination '' due to orders. I have asked for a debt validation letter from the first company they sent to me and I never received it and as XX/XX/XXXX another collection company called me about the same debt and said I had one day to pay the full debt of around {$2100.00}. I'm not touching this debt until they fix their mistakes and I will be more than happy to court over this situation if that is needed.

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 2024-10-25 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: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible. 
The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXXXXXX 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 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 XXXXXX/XX/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 2024-10-25 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: AL

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is to inform you that someone illegally reported fraudulent INQUIRIES to all three credit bureaus arising from IDENTITY THEFT that they did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing Reports in Connection with Credit or Insurance Transactions Not Initiated by Consumer ( 3 ) Information about Inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 16c-2, I request the removal of unauthorized hard inquiries from my credit report, as these inquiries are damaging my credit.

Company response to consumer: Closed with explanation