vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I haves never been arrested for any crime, yet Experian has 3 records of arrests for someone on my personal report. Please advise me on how to get the fraudulent information removed.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On the week of XX/XX/2023 I was shopping for a mortgage and multiple hard inquiries were listed on my credit report as a result. I want my score corrected and the hard inquiries removed since I shouldnt have taken multiple hits against my credit score ( with no changes, and decreasing debt ). Ive lost almost 70 points on my credit score FOR NO REASON since XX/XX/2023. There is a grace period of 14-45 days given when people shop for mortgages that I was not given. I want these errors corrected immediately. Additionally, XXXX has made it impossible for me to check dispute results by removing the option for me to view them electronically ( after verifying the account ). I can see everything else and even submit, but if I want results they want me to request by mail or call them. We live in the 21st century and I dont recall them sending me mail or calling me to ask if they could add incorrect entries on my credit report I dont expect to be put through any additional inconvenience by XXXX because I chose to file a dispute.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
On the week of XX/XX/2023 I was shopping for a mortgage and multiple hard inquiries were listed on my credit report as a result. I want my score corrected and the hard inquiries removed since I shouldnt have taken multiple hits against my credit score ( with no changes, and decreasing debt ). Ive lost almost 70 points on my credit score FOR NO REASON since XX/XX/2023. There is a grace period of 14-45 days given when people shop for mortgages that I was not given. I want these errors corrected immediately. Additionally, XXXX has made it impossible for me to check dispute results by removing the option for me to view them electronically ( after verifying the account ). I can see everything else and even submit, but if I want results they want me to request by mail or call them. We live in the 21st century and I dont recall them sending me mail or calling me to ask if they could add incorrect entries on my credit report I dont expect to be put through any additional inconvenience by XXXX because I chose to file a dispute.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing this personal statement to address the issue of bankruptcies that are currently listed on my credit report. It has come to my attention that these bankruptcies are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these bankruptcies should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing this personal statement to address the issue of bankruptcies that are currently listed on my credit report. It has come to my attention that these bankruptcies are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these bankruptcies should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. XXXX XXXX Account Number : XXXX 2. Payment status and creditor remarks are in accurate it is not charged off and unpaid XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Payment status is wrong it is not charged off XXXX Account Number : XXXX Please remove it from my credit report. 
4. Payment status that this was charged off is not correct XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I sent a letter to XXXX, to update my personal information name & address. However these Credit Agencies has not updated my only true and correct name or address by law. I sent in a copy of my drivers license & a bill with my address correct and only name, however changes are not currently updated. Consumer Reporting Agencies have to follow the law and report accurate & correct information to protect my personal information.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Contacted Bank of America XX/XX/2023 XXXX XXXX Spoke with credit card agent on rewards missing from one BofA card and rewards payments underpaid for the past year. Agent not of assistance. Also mentioned the statement due date had been changed to an earlier date and if I had not noticed the change I would have been billed a late fee.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I went into the branch of 5/3 and tried to make a payment and they would not take it and the manager was rude and not helpful -- -- -I am a veteran as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank failed to comply with the XXXX notice period mandated by the 15 USC ( United States Code ). According to your statement, you provided Citi Bank with evidence of fraud, including a police report and an affidavit from the Federal Trade Commission ( FTC ) regarding identity theft. However, instead of addressing the issue promptly, Citi Bank claimed to have sold the disputed debt. 

This argument focuses on the legal obligations that Citi Bank had under the 15 USC. By receiving the notice and evidence of fraud, Citi Bank should have taken immediate action to investigate and resolve the issue. Instead, they allegedly sold the debt, which contradicts the FTC guidelines that state disputed debt should not be sold.

Therefore, this argument suggests that Citi Bank 's actions were in violation of the 30-day notice period as well as the guidelines set by the FTC. It highlights the bank 's failure to comply with legal requirements and resolve the fraudulent activity, thus raising concerns about their accountability and commitment to addressing customer concerns.

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 2023-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had submitted a complaint about not being able to get proper insurance for my home. I cancelled said policy 's after discovering they were not accurate. I did this within a 48 hour time frame. XXXX sent me a letter confirming that afterwards saying that they received a policy but could not change it unless I authorized the change. Then I received a letter from them saying they had sent money to the company and it would be taken out of my escrow. Even though I never confirmed the insurance change. Before I could not get them to send the check and now they sent the check to XXXX without my knowledge. I did call XXXX and explain the situation with truest and inform them that I never received a refund check nor did I want one mailed to my house. They confirmed that the check was never cashed. And said they would return it to truest electronically. I do have a reference number but unfortunately it is all packed up because I have to move out of my family 's property. I will sell it just to prevent any further dealing with XXXX. Also the payment made in full with XXXX on XX/XX/XXXX has not been reflected on my account as of XX/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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
US Auto Cr of JXXXX, Fl keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX  years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXX, Fl. On XX/XX/2015 it was a buy here pay here lot .USAuto Cr was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/23 I wrote a dispute letter to Equifax uploading proof from the United States XXXX XXXX stating that they do not report my XXXX XXXX XXXX to any Credit Reporting Agencies. Inlcuding not all Equifax, XXXX, XXXX, XXXX XXXX. By Law 15 USC 1681 A ( 3 ) ( 4 ) Consumer Agencies have Assumed a Vital Role in assembling and Evaluating Consumer Credit other information on Consumers. It also states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am fully justifying the deletion of XXXX XXXX XXXX in writing for all 4 Credit Reporting Agencies . This Public Record is harmful to my consumer credit. Any third party/ credit reporting agency who has directly obtaining my personal information to publicly harm me is a violation under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : XXXX Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} I kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : Revvi Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} XXXX kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have opened and closed XXXX different PayPal accounts because I have not received a debit card from PayPal for my accounts. After asking asking around on social media ( XXXX, XXXX, etc. ) I discovered that PayPal doesnt send customers debit cards for their accounts unless they add at least {$100.00} from their bank accounts to their PayPal XXXX. That is what XXXX is saying. And when I call PayPal customer support about my debit card they always lie and tell me I didnt put my apartment address on my account or my home mailbox didnt have my name on it or something like that as their excuse.

Company response to consumer: Closed with non-monetary relief