vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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.

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 2025-01-13 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: GA

Complaint narrative:
Ive contacted them twice about the same account, my XXXX XXXX is in late payment status as XXXX days late and has a late payment on XXXX and I wasn't late in XXXX. I disputed the information and XXXX XXXX stated they fixed it but its still showing late on my report. I ask that you guys please fix this situation immediately.

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 2025-01-13 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: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX XXXX 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation.

If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-13 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: NY

Complaint narrative:
Hello and good day! I am deeply concerned about the erroneous information appearing on my credit report. This situation is incredibly troubling, as these inaccuracies are jeopardizing my financial freedom and hindering my ability to make progress toward my goals. My credit applications are being rejected because of these errors, causing me significant stress and frustration.

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 2025-01-13 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: KY

Complaint narrative:
I have found out recently that maybe due to previous relationships and losing wallets that my personal information has either been used to run my information numerous times and I have found that I have inquiries and accounts that I have no previous knowledge of and 15 U.S. Code 1681e is part of the Fair Credit Reporting Act ( FCRA ) and outlines the responsibilities of consumer reporting agencies in maintaining the accuracy, privacy, and proper use of consumer credit information. The section is divided into several subsections : Key Subsections : 1. 1681e ( a ) - Compliance Procedures : Consumer reporting agencies must maintain reasonable procedures to ensure that consumer reports are supplied only to authorized users and that the reports are accurate.

2. 1681e ( b ) - Accuracy of Report : Agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

3. 1681e ( c ) - Disclosure of Consumer Reports by Users : Users of consumer reports who take adverse actions based on the reports must notify the consumer and provide the name and address of the consumer reporting agency.

4. 1681e ( d ) - Notice to Users and Furnishers of Information : Agencies must inform users and furnishers of the information of their responsibilities under the FCRA.

5. 1681e ( e ) - Procurement of Consumer Report for Resale : When a consumer report is obtained for resale, the agency must ensure that the information is passed on correctly and that all necessary disclosures are made.

This section plays a critical role in protecting consumer rights by ensuring that the information used in credit decisions is accurate and that only authorized entities access consumer reports. Accounts that I am challenging are XXXX XXXX XXXX XXXX and several inquiries a total of XXXX to be exact not tied to any specific account that I have or made personally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: KY

Complaint narrative:
I have found out recently that maybe due to previous relationships and losing wallets that my personal information has either been used to run my information numerous times and I have found that I have inquiries and accounts that I have no previous knowledge of and 15 U.S. Code 1681e is part of the Fair Credit Reporting Act ( FCRA ) and outlines the responsibilities of consumer reporting agencies in maintaining the accuracy, privacy, and proper use of consumer credit information. The section is divided into several subsections : Key Subsections : 1. 1681e ( a ) - Compliance Procedures : Consumer reporting agencies must maintain reasonable procedures to ensure that consumer reports are supplied only to authorized users and that the reports are accurate.

2. 1681e ( b ) - Accuracy of Report : Agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

3. 1681e ( c ) - Disclosure of Consumer Reports by Users : Users of consumer reports who take adverse actions based on the reports must notify the consumer and provide the name and address of the consumer reporting agency.

4. 1681e ( d ) - Notice to Users and Furnishers of Information : Agencies must inform users and furnishers of the information of their responsibilities under the FCRA.

5. 1681e ( e ) - Procurement of Consumer Report for Resale : When a consumer report is obtained for resale, the agency must ensure that the information is passed on correctly and that all necessary disclosures are made.

This section plays a critical role in protecting consumer rights by ensuring that the information used in credit decisions is accurate and that only authorized entities access consumer reports. Accounts that I am challenging are XXXX XXXX XXXX XXXX and several inquiries a total of XXXX to be exact not tied to any specific account that I have or made personally

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX ( exact dates can't be seen due to being frozen ) I wanted to transfer {$300.00} from our sofi checking to our sofi savings. I clicked submit, and I noticed the default bank was a XXXX XXXX account I had just closed. I contacted customer service through the online chat. I explained what happened and was told it was no problem, the transaction would just be declined. On XX/XX/XXXX the {$300.00} was declined. On XX/XX/XXXX I called about the frozen account, and was told it was frozen due to fraud. I explained I realized I had the money transferred from the wrong account. On XX/XX/XXXX I was emailed after making a complaint, stating to contact sofi about my account. I called and was told it was closed and the remaining balance would be transfered to the only bank account on file. The account is still in the " process '' of being closed because they deemed it fraud. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX all in XXXX, and once on XX/XX/XXXX. With every call stating I will be notified when the account is closed. 3 months to get this resolved is ridiculous. It was an honest mistake that I tried to fix immediately after I noticed.The money I am owed is {$870.00} in the checking account, and {$700.00} in savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A few weeks ago, I started receiving several phone calls per day every day from similar numbers. They usually don't leave a message. When I eventually answered one of them, I sternly asked the person who they were and why they kept calling and they hung up on me. Now, a few of the numbers that pop up that I've searched online for pop up as Portfolio Recovery Associates. Today someone finally left a message and said they were from Portfolio Recovery Associates. 

I don't have any outstanding debts in collections. I keep a close eye on my credit reports and there's nothing amiss. 

There is absolutely no reason they need to be calling me unless they're trying to run a scam on me. Furthermore, they don't need to be calling several times a day, every single day. Especially when I don't even have a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I have inaccurate data on my credit report. 

I'm challenging inaccurate personal information listed below. 

The information about my name is not reported accurately. 

My current address is not listed accurately. 

Certain information about my date of birth is not accurate. 

I'm challenging inaccurate accounts listed below. 

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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover regarding the unjust closure of my Discover it Cash Back Credit Card account and the denial of my earned rewards. 

In XX/XX/XXXX, I signed up for the Discover it Cash Back Credit Card, attracted by the promotional offer of XXXX XXXX XXXX, which promised a match of all the cash back earned at the end of the first year. I used the card and made on-time payments every month. However, on XX/XX/XXXX, approximately XXXX weeks before the end of my first year, my account was closed without any prior notice or acknowledgment. 

When I asked about the status of my rewards, Discover 's support chat confirmed that I had " earned XXXX Miles from XX/XX/XXXX, to XX/XX/XXXX, and that these miles were added to my rewards balance on XX/XX/XXXX. '' This information was also reflected in the " XXXX XXXX '' section on Discover 's website. However, these miles were never credited to my account. 

When I contacted Discover to ask about the missing miles, I was referred to their Terms and Conditions, which state that rewards will not be matched for accounts that are closed. However, the same Terms and Conditions also state that Discover will credit the account or send a check with the rewards balance if the account is closed or unused within 18 months. Despite this, I never received the credit or a check for my earned rewards. 

It appears that Discover was aware of the substantial rewards I was due and made a decision to close my account to avoid awarding the miles I had earned. Throughout my time with Discover, I maintained a good XXXX XXXX, made timely payments, and responded to all confirmations. There was no reasonable justification for closing my account, especially when I had been a model customer for nearly 11 months. 

I signed up for this card specifically because of the first-year introductory promotion, and Discover 's actions have deprived me of the rewards I earned. I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter, as Discover has been unhelpful in both chats and phone calls. 

I have chat conversations saved starting XX/XX/XXXX and will provide screenshots in the attachments. I called a supervisor later that same day to try and resolve with issue with Discover. I let them know I would file a complaint with the CFPB if we could not resolve between the XXXX parties ; I also made them aware in the chat that I would go to the CFPB. The supervisor said she would forward the request to Headquarters and that I would hear back soon. I never heard back from Discover. 

I am owed the rewards that I earned during the first-year promotion, and I hope the CFPB can help ensure that Discover XXXX their commitment. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
According to my credit reports there were XXXX credit cards and a derogatory mark that were affecting my credit. 
On XX/XX/XXXX a XXXXXXXX XXXX XXXX XXXXXXXX ) was opened with a outstanding balance of {$2300.00}. The current status is charged off. 
On XX/XX/XXXX a XXXX XXXX XXXX account was opened with a outstanding balance of {$1400.00}. This is now a derogatory mark on my report! 
On XX/XX/XXXXXXXX XXXX XXXX  account by XXXX XXXX XXXX was opened with a balance of {$20.00}. This account is now charged off. I have submitted multiple complaints about these incorrect reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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