vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-12-02 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

" " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a fraud alert was sent in to all 3 credit reporting agencies and XXXX and XXXX complied but Experian did not and my file and credit is still at risk and Experian has not deleted reported fraud accounts

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 2024-12-02 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: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2.Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. XXXX ) XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3.Employer : My current employer is AXXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX XXXX I request that employer be updated to reflect the correct information. 

4.Date of Birthday : My DOB is XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 2024-12-02 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: EQUIFAX, INC.
State: NV

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 2024-12-02 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate bankruptcy being reported on my credit file by Experian. I have verifiable proof that the United States Bankruptcy Court neither verified nor reported this information. Furthermore, XXXX has already investigated and deleted this bankruptcy from my credit report after confirming it was inaccurate. 

Details of the Complaint : Issue : Incorrect Bankruptcy Reported Credit Reporting Agency : Experian Date of Bankruptcy ( as reported ) : XX/XX/year> Despite my dispute with Experian, they continue to report the bankruptcy on my credit file without proper verification. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum accuracy and conduct a thorough investigation into disputed information. By failing to verify the bankruptcy with the United States Bankruptcy Court and leaving this inaccurate information on my credit file, Experian has failed to comply with their legal obligations.

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 2024-12-02 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: OK

Complaint narrative:
There are several accounts on my Experian, XXXX, and Experian reports that are reporting inaccurate and unverifiable information. The accounts are three different accounts from XXXX XXXXXXXX XXXX  and one account from XXXX and an account from XXXX XXXX. I can not put my account numbers in this public complaint however I have attached letters detailing everything.These accounts violate several FCRA laws and contribute to harm in several ways. I have addressed each account in full detail In the letters attached. Please review each letter pertaining to each account carefully.

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 2024-12-02 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 have received a letter from XXXX dated XX/XX/year>, in response to my dispute letter sent on XX/XX/year>, about my account. However, they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter. Let me reiterate and expand on the key points : 1. Request for Validation and Specific Proof : In my previous correspondence, I specifically requested evidence in accordance with 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) that validates the accuracy of the negative reports issued to the credit agencies.

2. Lack of Evidence in their Response : their letter does not provide adequate documentation to support.

In their letter they also declined to provide the requested proof that I'm asking by Law

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 2024-12-02 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: NY

Complaint narrative:
I have received a letter from XXXX dated XX/XX/year>, in response to my dispute letter sent on XX/XX/year>, about my account. However, they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter. Let me reiterate and expand on the key points : 1. Request for Validation and Specific Proof : In my previous correspondence, I specifically requested evidence in accordance with 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) that validates the accuracy of the negative reports issued to the credit agencies.

2. Lack of Evidence in their Response : their letter does not provide adequate documentation to support.

In their letter they also declined to provide the requested proof that I'm asking by Law

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 2024-12-02 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I deposited my own check into my Wells Fargo personal checking account drawn on XXXX for funds in the custody of XXXX. The amount was {$50000.00}. I had done exactly the same thing in the same amount on XX/XX/year> and funds were good the same day. 
On XX/XX/year>, the paying bank XXXX released the money to Wells. As of today, XX/XX/year>, the {$50000.00} is not available to me but Wells admits having the funds. BUT>>>they will not release the money without authorization from initially XXXX and then they said XXXX. Both XXXX and XXXX responded by saying there is no need to " authorize '' money they no longer control. I doubt seriously Wells tried to contact anyone until I complained. Multiply my experience by XXXX and you get some serious float. 
Meanwhile I have checks for tax payments bouncing. 
Given Wells Fargo 's less than stellar track record over the last several years regarding retirement accounts, I worry that my problem may not be just incompetence.

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 2024-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: WI

Complaint narrative:
I cosigned 3 loans with my son in XXXX when he attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). They are private loans originally with XXXX XXXX, then converted to XXXX  and now serviced by MOHELA. 
My son was not able to earn enough to make regular payments and I was barely able to help. We were offered forbearances multiple times as a way to avoid delinquency. 
Eventually I was able to start making payments for him, and continued to until XX/XX/XXXX. 
My issue with the lender is : The original loans totaled {$33000.00} To date, I have paid a total of {$37000.00} Of the {$37000.00} paid, {$29000.00} has been applied to interest, with only {$6400.00} applied to principal. 
Accrued interest, which has grown to 10.5 % now totals over {$43000.00}. 
I have repeatedly asked to discuss negotiating a settlement on the remaining interest to no avail. 
Considering that XXXXXXXX  has settled claims with 39 state attorneys general for {$1.00} billion and the CFPB for {$120.00} million, and is banned from servicing federal loans, I would think they might be more receptive to working with us. I can't help but feel like we are victims of the very practices that got them sued in the first place. 
I am not trying to cheat them out of a profit, only to achieve a fair settlement based on how they assigned payments to the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I have sold some BTC and tried to make the cash out transaction to my other personal bank account. I was able to XXXX withdrew of {$1000.00} on XXXX but then when I tried to make the XXXX withdrew, my account became restricted from making any additional withdraws. I've contact Coinbase numerous times via phone calls and social media but failed to get any meaningful response, other than telling me that their team is looking into this and that they will let me know once the review is completed. 


I need your help,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KS

Complaint narrative:
This debt is from XXXX I never once got a email notice in mail or a bill in mail. 5 years later I get a harassing call from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Novo Platform Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I used my business banking card to pay for proposed services. I spoke with the merchant who confirmed I would receive such services. I traveled to the the venue only to be offered different service options and suggestions for future services. The merchant did not provide the services I paid a deposit for and because it was digital I was not paid a refund in cash. Upon attempting to refund my payment/deposit online the merchant marked the transaction as cancelled which rules state theres no refund if the customer/me doesnt show up. The transaction was verified with the bank once posted. However upon attempting to submit a dispute I was instructed to seek my refund for services not rendered from the merchant up until 15 days. However the merchant has blocked my emails, calls and the bank has yet to seek compensation on my behalf. Rather than stating I must attempt to receive a refund from the merchant.UPDATE I filed this complaint as stated above. The Bank response was I did NOT provide proof that I contacted the merchant I was NEVER asked to provide proof that I contacted the merchant to request a refund. In fact the bank insisted that submitting a dispute was not advisable as the process is at least 60 days to get a response therefore its advisable to seek the refund from the merchant. I was sent multiple emails via their app stating to contact the merchant although I provided proof that the merchant was actually being dishonest and marked my appointment as cancelled I would have very easily provided a screenshot of my text message asking the merchant for a refund for services I paid a deposit for but never received if asked from my bank. I was not informed by the bank that would be the ONLY reason why my request to dispute the transaction was denied. 
Whoever responded from the bank is lying. I have included the screenshot from I and the merchant however the conversations between the bank and I on their portal are no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Can not open and use app. Can not access records of transactions and see balances at all. No help with fixing app. Told app being updated. XXXX months of having to call just to check balances and request help. Password resets. Uninstalling app, reinstalling app. Shutting phone down, removing battery. Providing phone make, model IP address etc, trying to find sudden problem after 6 years of use of said app. Lies about app progress, fixing glitches, sending reports and information to IT team. No call back. Rude people on line who treat customers like idiots. Maybe we are for still trying to use this business? Never a supervisor available. Currently still online waiting for a supervisor who can just send me my money and close my account. Automated hold said XXXX minutes wait, already online with multiple customer service reps for XXXX minutes.

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 2024-12-02 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: TX

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

Company response to consumer: Closed with non-monetary relief