vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-09-19 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-09-19 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: TX

Complaint narrative:
XXXX ' XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern : I sent a letter to you disputing XXXX accounts as erroneous on XXXX certified mail, return receipt requested. I received notice in the mail that you received the dispute on on XXXX. It is now XX/XX/XXXX and I have not received a response from you. 

Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), you have XXXX  days to investigate disputes. If you can not verify the information within the XXXX  day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely, 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 2024-09-19 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: CA

Complaint narrative:
Subject : Dispute of Incorrect Debt Reporting by XXXX  To whom it may concern : I hope this message finds you well. I am writing to dispute an entry on my credit report that I believe to be incorrect. Specifically, there is a debt reported by XXXX for {$160.00} that I do not owe. 
Here 's a bit of context : I used XXXX to finance an XXXX order. However, the order was canceled, and I should not have been charged. The loan did not process until XXXX weeks after the cancellation. Despite this, XXXX has reported a balance of {$160.00} on my credit report, which is incorrect. 
Here are the details of the disputed entry : Creditor : XXXX  Amount : {$160.00} Loan # : XXXX Last updated : XX/XX/year> To support my dispute, I have attached relevant documentation, including : confirmation of Order Cancellation from XXXX and XXXX with XXXX  showing that the charge was incorrect or that the issue was unresolved. I have also attached a copy of my drivers license and a utility bill to confirm my mailing address. 
Given that the order was canceled and I was not charged for it, this debt should not appear on my credit report. I respectfully request that you review the information and remove this incorrect entry from my report. 
Thank you for your attention to this matter. Please let me know if you need any additional information or documentation from me to assist in resolving this issue.

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 2024-09-19 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: SC

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found multiple accounts that werent opened by me. This is hurting me during the process of purchasing a home for mg family. Please delete these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-19 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: Smart Money Capital, LLC
State: TN

Complaint narrative:
The companies listed below received my name, address and other limited information about me so they could make a firm offer of credit or insurance. They did not receive my full credit report. I did not authorize these inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity was used at this hospital Im not aware of this account nor bill.

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 2024-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: WV

Complaint narrative:
I filed a complaint that is closed. Mid Atlantic DID NOT provide the information I requested! They were rude, condescending, and unprofessional. Due to their lies in the previous complaint. I want the information Im requesting to be sent straight to you. I did speak to 3 people last night whom all were rude and unhelpful like today. Im being told they will not give me any information until I pay my loan in its entirety. That its LEGAL to repossess a vehicle at any time without any notice. Which I didnt have. And that since I have an attorney they can call for the information. This is just wrong and beyond unprofessional behavior!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: IA

Complaint narrative:
My employer offers a high deductible health plan through XXXX. As a part of the plan, I have the opportunity to use a health savings account to help me save up for health care expenses. My employer has elected to use Optum Bank as the sole provider for managing our HSA accounts. While I haven't had any problems using the account or debit card, Optum Bank is not paying market rates or offering a viable alternative without going through hoops. Currently, the bank is paying 0.01 % APY, meanwhile short term interest rates are hovering between 4.75-5 %. Many online banks and competitive local banks are offering significantly higher market rates. Optum does allow investment in money market funds and mutual funds, but we are required to carry {$2000.00} in the bank account before we have access to those options. Optum also gives the option to rollover funds to another HSA provider, but charges {$20.00} per transfer. This is effectively holding our HSA funds XXXX and paying virtually no interest. They are taking advantage of consumers that have no other choice but to keep their funds with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MD

Complaint narrative:
Upon reviewing my recent credit report, I found multiple accounts that appear to be incorrect and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX multiple of my accounts where compromised threw a credentials leak. Synchrony accounts being one of the effected along with multiple other banks and lenders with differing fraud attempts. 

Synchrony Bank issued a new card at the end of XXXX and started a fraud investigation on the transactions at Amazon deciding in my favor. I then recived the new card, but noticed yet another new change on the account in the sum of XXXX for a dress purchased from Amazon. I promptly disputed this new charge back in XXXX, then a few days later un-expectedly a dress shows up on my door step. There is no orders in my amazon account for this dress, nor is it an item I would purchase. Since then I have had the card frozen since I can't trust that new unknow changes will appear on the account. 

No one has yet to offer any information as to how I got this item, who ordereded it, where it was ordered from. It's not acceptable to be mailed and billed for random stuff.

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 2024-09-19 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: Auto Trakk, LLC
State: PA

Complaint narrative:
On my XXXX reports there is is closed AUTOTRAKK LLC account. The account was opened XX/XX/XXXX the date the account went into default and never brought current was XX/XX/XXXX. According to the FCRA because the date of default is more than 7 years ago, should be removed and no longer had an adverse effect on a consumers ability to obtain credit. The account was also removed then reinserted on my XXXX report without any prior notification before or after it reappeared on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Formal Complaint Against Experian for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to file a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple written requests, Experian has failed to remove unauthorized and unverifiable credit inquiries and accounts from my credit report. These requests have been ignored or inadequately addressed, resulting in continued inaccuracies that have damaged my credit. 

Summary of Events : First Dispute Sent : On XX/XX/year>XXXX, I sent a letter to Experian requesting the removal of multiple unauthorized hard inquiries and accounts, such as those from XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  I also requested verifiable proof of these accounts to comply with the FCRA ( XXXX  ). 

Second Dispute Sent : On XX/XX/scrub> XXXX, after receiving no resolution, I followed up with a second letter. I requested Experian to provide the procedures used to verify the disputed information and reiterated that failure to comply would be a violation of federal law ( XXXX ). 

Third Dispute Sent : On XX/XX/year>XXXX, I sent a third letter asking for the removal of the same unauthorized inquiries and accounts, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Despite my ongoing requests, these inaccuracies remain on my credit report ( XXXX ). 

Items to be Removed : XXXX XXXX, Hard Inquiry, XXXX XXXX  XXXX XXXX  XXXX, Hard Inquiry, XXXX XXXX XXXX XXXX, Account : XXXX XXXX  XXXX XXXX  XXXX, Account : XXXX... ( and others ) Request for Investigation : I am requesting that the CFPB investigate Experian 's failure to comply with the FCRA. I am also requesting the immediate removal of all unauthorized and unverifiable items from my credit report, as required by law. I have attached copies of the dispute letters and supporting documentation to substantiate my claim. 

Thank you for your attention to this matter. Please contact me if you need any additional information. 

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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Following a thorough examination of my recent credit report, I noticed various accounts that I believe are erroneous and were added without my knowledge.

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 2024-09-19 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: NY

Complaint narrative:
Hello, Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying me and it's taking a toll on my mental health just because of my credit score being unfairly affected due to these errors on my credit report hindering me from achieving financial freedom.

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 2024-09-19 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: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-19 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: TN

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation