vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2024, I submitted a formal dispute letter to Experian, contesting several collection accounts that appeared on my credit report. These accounts were inaccurate and not recognized by me. In my letter, I requested that Experian validate these accounts and provide the necessary documentation to support their presence on my report, as required by the Fair Credit Reporting Act ( FCRA ). Despite providing all required information and documentation, I did not receive any response from Experian within the mandated 30-day period. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I received no response, on XX/XX/2024, I sent a follow-up dispute letter to Experian, reiterating my request for XXXXalidation of these accounts and demanding their removal from my credit report if they could not be verified. I reminded Experian of its obligation under Section 611 of the FCRA to conduct a reasonable investigation and respond within 30 days. 

To date, Experian has failed to provide any response, and the disputed accounts remain on my credit report. This lack of action on Experian 's part not only violates the FCRA but has also caused significant harm to my creditworthiness and financial reputation. I am now submitting this complaint to the CFPB, as Experian 's continued non-compliance with the FCRA and refusal to rectify this issue have left me with no other recourse. 

I seek immediate intervention to ensure that Experian investigates this matter thoroughly and removes the unverified accounts 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 2024-09-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
this account is still on my report and being wrongfully updated by XXXX  XXXX and XXXX  the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information SANTANDER CONSUMER USA Account Info Account Name SANTANDER CONSUMER USA Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XXXX  Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.

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 2024-09-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have a XXXX XXXX XXXX  with Capital One that has a credit limit of {$800.00}. Right now, my current balance is {$730.00}. My available credit should be {$66.00} ; all of the transactions have posted, so there are no pending transactions that affect my balance. However, my available credit is showing as {$0.00}. I've called Capital One twice to resolve this ( on XX/XX/XXXX and XX/XX/XXXX ). On XX/XX/XXXX was told I have a pending transaction/hold of {$94.00} from XXXX, although I see no transactions pending on the Capital One mobile app or desktop site. I called again on XX/XX/XXXX and was told by a representative named XXXX that there was a pending transaction of {$100.00} from XXXX dated XXXX ( a different amount than I was told the day before ). Neither of these amounts are showing as pending when I view my account. I asked for documentation that show these pending transactions and was told they can't provide it. This is not transparent at all ; I feel that I should have access to everything related to my credit card account. I would like to have this issue investigated and to receive a reasonable explanation as to why I have no available credit, along with documentation showing the alleged transactions that are " pending ''. Below are screenshots of my current balance and credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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 reviewed of my consumer report and noticed that I have two late payments on my account that I was never late for my Consumer Reporting agency have assumed a vital role and have responsibility to report consumer information to the best of they ability with maximum accuracy in have never been late on payment to the account XXXX XXXX XXXX XXXX  please investigate and provide proof with statements showing that this payments were late if proof can not be provided i demanded this 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 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
While on vacation in XXXX my card was stolen on or around XXXX XXXX and over {$3000.00} of charges made without my knowledge over two weeks before I became aware of the fraudulent charges. I did not realise my card was missing as I had recently asked for a replacement card as my credit card chip was not working intermittently and I thought the card in my wallet was the new card but in fact it was the one. I would also note Citi did flag some charges and send an email/text as potentially fraudulent but DID NOT disable the card despite not hearing from me to confirm if they were real or not. I did not receive these messages as from the XXXX XXXX until the XXXX XXXX I was sailing up and down the cost of XXXX, stopping only at remote villages with no cell phone of internet service. Most of the charges appear to have been made in XXXX XXXX, a place I was XXXX miles away from. I reported the fraud to citi as soon I became aware of the charges but citi denied the dispute bc I said I was not 100 % sure if the card I still had was the old one or new one when I first reported it. The card have identical numbers, expiration etc. so I am not sure how I was supposed to know at that time. I only realised what had happened when I could not find XXXX cards in my luggage and I knew that I had both the old card and replacement with me when I arrived in XXXX. These charges were not made by myself or anyone else on the account and citi states that cardmembers have {$0.00} liability on such charges. This is clearly a false statement as they will deny valid disputes with little to no investigation. There are actually multiple active lawsuits against citi due to these practices brought by various state AGs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies, particularly XXXX, due to the inclusion of fraudulent information on my credit report. As a victim of identity theft, I have discovered several inaccuracies on my report, including incorrect names, addresses, employers, and unauthorized accounts. I believe these issues stem from the XXXX  XXXX data breach, which exposed the sensitive personal information of millions of individuals, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, they have failed to adequately investigate and remove the fraudulent information. The inaccurate entries are severely affecting my financial standing, and I am requesting your assistance in ensuring that these credit reporting agencies comply with FCRA regulations.The Fair Credit Reporting Act ( FCRA ) establishes specific rights for consumers and obligations for credit reporting agencies. The following sections apply to my dispute : FCRA Section 609 ( a ) ( 1 ) I have the right to request complete and accurate disclosure of all information contained in my credit file, including the sources of fraudulent data. 

FCRA Section 609 ( a ) ( 2 ) Credit reporting agencies are required to maintain accurate personal information. The incorrect names and addresses on my credit report violate this section. 

FCRA Section 605 ( a ) Credit reporting agencies are prohibited from reporting inaccurate information, including incorrect addresses and employment history. 

FCRA Section 605B Upon receiving an identity theft report, the credit reporting agencies are required to block and remove any fraudulent information within XXXX business days. 

FCRA Section 611 ( a ) Credit reporting agencies must investigate disputed items and correct or delete inaccuracies within 30 days of the dispute. They have failed to meet this requirement.

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 2024-09-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: LA

Complaint narrative:
Inquires from companies that I did not authorize. Also, accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: LA

Complaint narrative:
Inquires from companies that I did not authorize. Also, accounts that I did not open.

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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent a letter to the bank regarding claim # XXXX This transaction is fraud and under UCC section 4-401 the bank needs to put the funds back into my account.

The bank has not credited my account, and therefore they are violating UCC section 4-401

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax 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 : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXX XXXX. 

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: WI

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation