vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
Experian Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. Accounts XXXX XXXX XXXX - # XXXX Has several late payments. It as well should not have any late payments attached to a charge off account because charge accounts are late default. 


XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX XXXX- Please update the late payments to pays as agreed Please send verification when these accounts have been updated

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 2023-12-11 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: TX

Complaint narrative:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. Recently, I observed that there have been late payments reported on my credit card account. After reviewing my records and statement, I believe there might be an error or misunderstanding regarding this late payment. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 
XXXX XXXX XXXX XXXX -This account was NEVER late. The late payments are erroneous. This payment was made on time. I am requesting that the late payment marking be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. I value my relationship with XXXX XXXX XXXX and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in 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 2023-12-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute regarding the Bankruptcy records that has been reported on my credit report. Equifax has came back stating that they have verified the information as accurate. As my previous dispute stated in a letter from the Bankruptcy Court stating that they do not provide information to credit reporting agencies. I need Equifax to either provide proof that they received such information from the Courts, which is noted the courts never provides such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. Recently, I observed that there have been late payments reported on my credit card account. After reviewing my records and statement, I believe there might be an error or misunderstanding regarding this late payment. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 
XXXX XXXX XXXX XXXX -This account was NEVER late. The late payments are erroneous. This payment was made on time. I am requesting that the late payment marking be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. I value my relationship with XXXX XXXX XXXX and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping

that these disputed accounts will be fixed as soon as possible. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: KY

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In early XXXX I opened an account for my small business with Truist bank. I deposit our checks daily through an e-check verification company called XXXX. Once we opened the account we deposited a little over $ XXXX into that account. That's a lot of money for us being a small business. They put the deposits on a standard 7 to 10 day hold which I understood. The day before the funds were to become available, I called to confirm and was informed that my accounts had been frozen and we were under a check fraud investigation. XXXX of the checks was from a title company and because of their positive pay system, they stopped payment on it. I spoke to the title company, and got confirmation by email which I sent to Truist of the reason that they stopped payment. I answered every question that they had. Then at the end of XXXX I received a letter from Truist stating that they no longer wanted to continue the banking relationship and were closing my account which was more than fine with me. There isn't a branch in my state and they offered no solutions on how to get my money back. I was told I have 7 days to bring my account positive if it wasn't. Well it was positive $ XXXX. I called again and was told that because of thebway we do deposits, that our funds were going to be held until the end of XXXX. I spoke with our customers and confirmed that those funds left their bank accounts a day or so after I deposited them. I even had a lawyer draft a demand letter and they are saying that they never got it. I can not speak to anyone that will help me or do anything so that we can get our money back. I've told them that as a small business, that after being ope. For over 20 years that if they held our funds that we would have to close. They don't care and refuse to offer any solutions. It's almost XXXX and they still won't release our funds or tell me anything other than the account is scheduled for closure in XXXX. I dont even know if they will give us our money then at this point. I need help getting this money or I will lose everything. We did nothing to deserve this.

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 2023-12-11 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: KY

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I notice a charge off from XXXX XXXXXXXX XXXX  reporting on my credit reports. A charge of is considered a certificate of indebtedness. According to the Internal Revenue Services, if debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so the charge off must be removed.

My credit utilization is reported on my credit report. It illegal to report transaction history according to the Fair Credit Reporting Act. As a consumer, I value the accuracy and fairness of the information in my credit report. Could you please provide insights into the specific legal provisions, especially under the Fair Credit Reporting Act ( FCRA ), that govern the reporting of transaction history? Additionally, I would appreciate any clarification on how the inclusion of transaction details aligns with privacy regulations.

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 2023-12-11 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: TN

Complaint narrative:
I notice a charge off from XXXX XXXXXXXX XXXX reporting on my credit reports. A charge of is considered a certificate of indebtedness. According to the Internal Revenue Services, if debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so the charge off must be removed. 

My credit utilization is reported on my credit report. It illegal to report transaction history according to the Fair Credit Reporting Act. As a consumer, I value the accuracy and fairness of the information in my credit report. Could you please provide insights into the specific legal provisions, especially under the Fair Credit Reporting Act ( FCRA ), that govern the reporting of transaction history? Additionally, I would appreciate any clarification on how the inclusion of transaction details aligns with privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023, XXXX was taken out of my checking account without any notice or my permission. The transaction went without my knowledge and the bank approved such a large transaction. This transaction is not a bill that I owe. They claim it is a collection from an another bank. But I do not have a collection with them. I called the other bank about the XXXX transaction and they said it was not their doing. This Is Bank of America, which I am having a problem with.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX Charge accounts should not have any payment history due to them being late by default. 

XXXX XXXXXXXX This is another charged off account that should not have any payment history because charge accounts are late by default. 


XXXX Can I get verification of these late payments. 

.. I want this late payments updated to pays as agrees. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX Charge accounts should not have any payment history due to them being late by default. 

XXXX XXXXXXXX This is another charged off account that should not have any payment history because charge accounts are late by default. 


XXXX Can I get verification of these late payments. 

.. I want this late payments updated to pays as agrees. 

I

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NC

Complaint narrative:
I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation