vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: KS

Complaint narrative:
There was a dispute that needs reversed

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 2024-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2024-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, in accordance with the Fair Credit Billing Act ( 15 U.S. Code 1666b ). Upon reviewing my credit report, I have identified a late payment entry that I believe is incorrect and improperly reported. 

The details of the disputed entry are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date of Late Payment : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX Also the credit failed to report the amount that was late as well. 

Explanation of 15 U.S. Code 1666b : Under 15 U.S. Code 1666b, creditors are required to send a billing statement at least 14 days before the payment due date, if the payment is considered late or delinquent. Furthermore, creditors must notify consumers in advance if a late payment will be reported to the credit bureaus, providing them with an opportunity to address any discrepancies before negative information is reported. 

Reasons for Dispute : Failure to Receive Notice : I did not receive any prior notice from XXXX XXXX  XXXX indicating that this payment was considered late or that it would be reported to the credit bureaus. The lack of notification is a violation of 15 U.S. Code 1666b, which requires creditors to inform consumers in advance of reporting late payments. 

Absence of Communication : I have no record of any communication from XXXX XXXX XXXX  regarding this late payment. 




A copy of my credit report highlighting the incorrect late payment entry I request that this late payment entry be promptly investigated and removed from my credit report. Please provide written confirmation of the results of your investigation and any actions taken to rectify this error. 

Additionally, please ensure that this disputed information is not reported to other credit bureaus until the matter is resolved, as required by the Fair Credit Billing Act. I would appreciate a prompt response to this matter within the timeframe allowed by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Venmo is preventing me from closing the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank for 2 years reported incorrect a XXXX balance and after two years XXXX  passed they are now reporting a error amount of {$7100.00} for a {$6000.00}. Credit limit card and cancelled the incorrect of {$7100.00} and issued a 1099-C without my consent. Secondly they refused to provide my billing statement. To verify the the amount on the account.

I dont want the amount to be canceled. I just want to pay the correct amount that I owed. 

The 7 year report ebds in XX/XX/2005 but I can not wait. I need to pay the correct amount.

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 2024-05-25 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A couple of years ago specifically some time in XXXX I disputed an account which was inaccurately being reported on my Equifax report. After not 1 but 2 disputes Equifax removed the XXXX XXXX XXXX account from my report. I also use XXXX for additional credit monitoring services as well as XXXX XXXX. Both companies XXXX and XXXX XXXX has the XXXX XXXX XXXX account reporting and negatively affecting my credit score. I contacted both companies and even filed a complaint against XXXX for reporting the account as it is not listed on my Equifax report. I came to the realization that both XXXX and XXXX XXXX are reporting information provided directly through Equifax. My problem stems from Equifax 's inability and/or unwillingness to correct the problem. Upon speaking with numerous customer service representatives @ Equifax I am being repeatedly told because the account is not listed on my report with them there is no recourse. I just need someone to explain to me how to correct this error. I have both XXXX XXXX and XXXX saying they're only reporting information provided by Equifax and Equifax denying culpability saying they can not report an account that is not in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TN

Complaint narrative:
Complaint Letter to the CFPB Regarding Credit Report Errors XXXX XXXX XXXX, XXXX Country XXXX XXXX XXXX TN XXXX Phone Number XXXX XXXX XXXX Email Address XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX RE : Fair Credit Reporting Act ( FCRA ) Complaint - Inaccurate Information on Credit Report Dear CFPB, ( I was trying to buy a house when I realized that there was damage on my reports. I have asked multiple times to remove errors which is a declamation of my character-but no response ) This letter is a formal complaint regarding inaccurate information on my credit report. I am writing to you today under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g and 15 U.S.C. 1681 ( a ) ( 4 ), which guarantee the accuracy of consumer credit reports.

Dispute Details I have identified inaccurate negative items on my credit report. These negative items such as I have written a total of 7 letters and in the last letter sent out I added all information into one letter. 
Charged-off Accounts : ( In violation of 15 U.S. Code 1601 ) Collections : ( In violation of 15 U.S. Code 1692c ) Bankruptcy : ( In violation of 15 U.S. Code 1681a ( 2 ) ( B ) ) Late Payments : ( In violation of 15 U.S. Code 1666b ) Repossessions : ( In violation of 15 U.S. Code 1601 ) Hard Inquiries : ( In violation of 18 U.S. Code 1028a ) I have already disputed these inaccuracies directly with all three major credit reporting bureaus ( XXXX, XXXX, and TransUnion ) in writing. ( Attach copies of your dispute letters to the bureaus as evidence. ) Impact of Errors The presence of these inaccurate negative items on my credit report has significantly damaged my ability to obtain credit. This has had a detrimental impact on my financial well-being and has caused undue stress. ( Errors have affected you, such as difficulty obtaining a loan, credit cards, higher interest rates, or inability to mortgage loans ) Request for XXXX I request that the CFPB investigate this matter and ensure that the inaccurate negative items are removed from my credit report by all three credit bureaus. 
I am confident that upon investigation, you will find that the disputed information is inaccurate. I am available to provide any additional documentation you may require to support my claim. 
Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 
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 2024-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in perfect Health. I have never stepped in to a XXXX for the last XXXX yrs. I have health insurance and I am financially well off with super Credit rating. Institution by the name XXXX XXXXXXXX is claiming that I owe XXXX plus debts which I am totally denying. I contacted the all XXXX credit monitoring agencies and informed them with my sad situation. Please be kind enough to get this collection off from my record in order to maintain my XXXX plus credit ratings. God bless you all

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 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America submitted my account for closure with no warning. When I contacted them on XX/XX/2024, they said my account was being reviewed for closure and it was set to close on XX/XX/2024. I told them a refund from my FSA was submitted in the amount of {$350.00} and I needed that money for treatments I am going through. As the refund has not posted, I asked if they could cancel and return the refund. They told me no. I was told to call back in 2-3 business days once it had posted to see if they would file a hardship request allowing me to go into a branch and access my funds. I called back the next day and the request was filed. Was told it could be approved or denied quickly or up to 5 business days. Called back the next two days and on the second day the rep told me he would send in the request again and I can call back in a week to see if it was approved. 
At this point they are holding my $ $ that I desperately need for medical treatments. I dont care if they close my account, I just want my $ $ that I feel they are wrongly withholding from me.

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 monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I opened a Robinhood Invest account on XX/XX/year> and a Robinhood Spend on XX/XX/year>. Over the course of a couple weeks I deposited over {$9000.00} into the accounts. On XX/XX/year>, I had tried to make a payment to my credit card from the XXXX account, but Robinhood rejected the transfer and subsequently restricted my account. They asked for statements of the bank I used to make deposits and I provided those, but they still decided to close my account and haven't unlocked my funds to be available to withdraw yet. I asked for a reason and they just gave me a generic XXXX XXXX response that basically said " our terms say we can do whatever we want whenever we want and not tell you '' I was looking forward to using the account, but now I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against SYNCHRONY BANK for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, XXXX XXXX XXXX XXXX in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy.

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : SYNCHRONY BANK disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, SYNCHRONY BANK misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : SYNCHRONY BANK failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold SYNCHRONY BANK and XXXX XXXX XXXX accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continued to reporting inaccurate information on my credit report pertaining to a bankruptcy. I contacted them several times but unfortunately not positive resolution on this matter yet. I also contacted the XXXX XXXX XXXXXXXX in XXXX XXXX to find out why they furnished misleading information to the credit bureaus, but they could not release information unless I will seek for legal advice. Furthermore, I called their legal team but not additional information was given besides a short memo stating that they " can't control '' what credit bureaus reports on my file. 

According to FCRA inaccurate or incorrect information must be delete it from the credit report, as they continue reporting wrong case number, name, address and even my name. XXXX and XXXX already delete it this bankruptcy from my credit report but Experian refused to do it by constantly responding that they verified the account as accurate but when I asked whom they verify the information with they can't answer that. 

I will appreciate this situation is investigated because they can't continue reporting incorrect information on my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: SC

Complaint narrative:
The date-of-last-activity you are reporting for this account does not match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XX/XX/2024 XXXX

Company response to consumer: Closed with explanation