vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to express my deep frustration and concern regarding the ongoing inaccuracies on my credit report managed by Experian and the negative impact it has had on both my credit score and my employment opportunities as a registered nurse. Despite my diligent efforts to address these inaccuracies, including working with a reputable credit repair company, I have encountered serious challenges with XXXX dispute process. When I submitted a dispute regarding the incorrect information, Experian stated that the information was verified. However, it is clear that no genuine verification took place. The company appears to rely on automated systems or technical scans, rather than conducting thorough investigations to confirm the accuracy of the data. This lack of proper verification is profoundly troubling. 

Moreover, Experian has claimed that my disputes did not originate from me, which is entirely false. This claim demonstrates a lack of accountability and transparency on XXXX part. By failing to appropriately address legitimate disputes, Experian is perpetuating inaccuracies that drastically lower my credit score and harm my financial standing. As a registered nurse, my credit score directly impacts my professional opportunities, as employers often conduct credit checks as part of the hiring process. These errors on my credit report, compounded by Experian 's failure to investigate thoroughly, are jeopardizing my career and financial future. 

I urge the CFPB to intervene and hold Experian accountable for ensuring that disputes are properly investigated, rather than relying on flawed automated processes. Consumers deserve a fair and transparent system to resolve inaccuracies in their credit reports without being dismissed or ignored. 

Thank you for your immediate attention to this matter. I look forward to your assistance in resolving this issue and ensuring that Experian meets its obligations to consumers.

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 2024-11-27 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: NC

Complaint narrative:
It is My personal statement that the Bankruptcy that I have listed here is fraudulent and needs to be deleted from my credit report pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Chapter XXXX XXXX XXXX XXXX XXXX CT NC XXXX SEE ATTCHED IDENTITY THEFT 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 2024-11-27 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: NY

Complaint narrative:
I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) Transunion report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$100.00}, Account rating : Closed, Last Payment : XX/XX/XXXX XXXX report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$100.00}, Account rating : Paid, Transunion report : XXXX XXXX XXXX XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$0.00}, Credit Limit : {$100.00}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address.

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 2024-11-27 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX- All of these creditor accounts were in " good standing '' and were " CHARGED-OFF '' due to Medical Disability- All of these accounts are reporting as charged-off on my credit file repeatedly each month and they are impacting my credit in a negative way not allowing my credit score to increase. 

XXXX ) XXXX XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX COLLECTION- PAST DUE XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT.

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 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I open up a trading account with Robinhood with wired money. Now that I want to withdrawal my money {$450000.00} they restrict me to {$5000.00} per 24 hour period so I also asked to just transfer my account and all the funds yo my personal cold wallet but they are not allowing me to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
My job XXXX direct deposit my check to Chime bank XX/XX/year>. I havent received my money yet. Now its XX/XX/year>. Ive been calling literally near XXXX times. Chime claim not having it, not seeing it and no error. It must be employer error. Before I switch to chime Ill receive direct deposit from different bank. Now Im struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a bankruptcy on my credit report and I reached out to the credit reporting agency to have them removed under the fair credit act I shouldnt have information on my credit reports thats not true. I went to the court that they said they got the information from and the court said that they dont send any reporting agencies any information and they didnt have any records that Ive ever filed a bankruptcy

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to request removal of a specific account from my credit report with EXPERIAN due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed account details : Account number : XXXX Creditor name : XXXX XXXX  XXXX Incorrect information identified on reports from all three credit bureaus. 
Legal basis for removal of information : Right to accurate information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be verified manually with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a complete reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : Under the FCRA, if information can not be verified, it must be removed from the report.

Liability of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditor 's failure to validate this information warrants its deletion.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to comply with required accuracy procedures.

Permitted Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that the access to my report was legitimate. If it was not, I request deletion of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : Cortez v. Trans Union, LLC ( 617 F.3d 688 ) emphasizes the credit bureaus ' responsibility to properly investigate consumer disputes. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2024-11-27 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I have been a victim of a data breach and identity theft, which resulted in the unauthorized addition of the following accounts and inquiries to my credit file : Accounts to Be Blocked and Deleted : XXXX. 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Amsher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Follow-up on Request for Validation of Debt ( Account Number : XXXX ) Dear Amsher Collection Service, I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/year>, Complaint XXXX in which I formally requested validation of the debt associated with account number XXXX. 

As of today, I have not received the requested documentation or any communication regarding my request. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide validation of the debt within 30 days of my initial request. It has now been 3 days since my initial letter, and I am concerned about the lackadaisical response.

To reiterate, I requested the following information : 1. Verification of the debt, including a detailed statement outlining the total amount owed.

2. Original creditor information, including the name and address of XXXX. 

3. A complete payment history for the account.

4. Any legal documentation that authorizes your agency to collect this debt.

5. Proof of ownership of the debt, including a copy of the original agreement with T-Mobile. I understand that processing these requests may take time ; however, I believe that clear communication is essential in resolving this matter.

I kindly ask that you provide a status update regarding my request and an estimated timeline for when I can expect to receive the necessary documentation.

Please remember that until this matter is resolved and I receive the requested verification, I will not be making any payments related to this account.

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, 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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Identity and mail theft are HUGE issues in my area, and I have repeatedly contacted AmEx to ask that they remove me from ALL future mailings. I have done this by phone, on their website, through the general opt-out pre-screen site, for the last 2 years, and yet, they continue to send me 1-2 pre-approved offers from AmEx a week.

I am requesting CFPB to intervene, because I am at a point where I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On numerous occasions, I was charged oops fees and NSF fees. I reached out to Navy Feds to discuss at this particular point. I was in a really tough vine. Ive been banking with them for many many years for over 20 years and they continue to charge me these fees over and over again I would like to be refunded, every oops time I open my bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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