vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
Dear CFPB Team, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX ( XXXX ) regarding my credit account, as it appears on my credit reports from XXXX, Experian, and XXXX. The account in question is identified by the number XXXX and is listed as derogatory, charged off, and in collection status. I request the removal of this account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues Inconsistent Reporting Across Credit Bureaus : The account information varies significantly among the XXXX major credit bureaus. 
XXXX reports a balance of {$810.00} and a high credit of {$810.00}. 
Experian shows a high credit of {$0.00}, creating confusion about the accounts status. 
XXXX reports a high credit of {$500.00} against the same balance of {$810.00}. 
Law Violation : These discrepancies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Missing Information : Experian does not report the " Account Type - Detail, '' which is crucial for understanding the nature of the account.

Law Violation : Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to complete and accurate information in their credit reports.

Incorrect Payment Status : All bureaus classify this account as " Collection/Chargeoff, '' which may not accurately reflect the current status if it has been settled or paid.

Law Violation : This misrepresentation violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates furnishers to provide accurate information.

Inconsistent " Date Last Active '' Reporting : The Date Last Active reported varies : XXXX and Experian indicate XXXX, while XXXX XXXX XXXX. 
Law Violation : This inconsistency contravenes 15 U.S.C. 1681e ( b ), leading to potential misunderstandings regarding the account 's status.

Negative Comments : Comments such as " Charged off as bad debt '' and " Canceled by credit grantor '' need to be consistent across reports. If this account is settled, these comments mislead creditors.

Law Violation : Misleading comments may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing information known to be false or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I had an employee loan with BECU. I quit the position, got ill for several months an contacted them at different times. I had called to make payments. Regular agents can't take payments from me and they said they would have managers call me back which happened on occasion and irregular payments were made. There was twice I called - I don't have the dates- to make payments and the regular agents couldn't take it and referred to a manager who didn't call me back to take it. Now they have the account charged off. I accept responsibility for it being late and never asked for any fees to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Customer Service USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear USAA Customer Service, I hope this message finds you well. I am writing to formally request the removal of all late fees charged to my account due to my recent XXXX  XXXX and ongoing XXXX. As a loyal USAA cardholder for over XXXX  years, I have never previously requested that fees be waived, and I have always strived to maintain my account in good standing. 

Unfortunately, my current circumstances have made it difficult for me to manage my finances as I normally would. Being XXXX has added significant stress and challenges, and my XXXX further complicates my ability to stay on top of my financial obligations. 

I kindly ask that you consider my situation and the loyalty I have shown to USAA over the years. Given my history as a responsible member, I believe that waiving these late fees is a reasonable request under the circumstances. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX : XXXX last XXXX of accoount # 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 2024-10-26 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:
Consumer Name : ( XXXX XXXX XXXX ) ( SS # XXXX ) ( XXXX XX/XX/year> ) Contents of Complaint : This CFPB Complaint has been filed to request pursuant to FCRSA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit report agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto loan open on XXXX XXXX at XXXX XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please note that I am not the consumer in this matter. I am the merchant filing again the credit card company for an unjust acceptance of a chargeback and allowing fraudulent information by the consumer, or creating a way to fraudulently allow the consumer to file the chargeback after XXXX, with no real reason. Leaving me no way to fight it properly. 
================================ I am filing this complaint to address the improper handling of a chargeback dispute involving both American Express and my payment processor XXXX. I believe their actions in this matter have been unjust, and are a violation to consumer rights. 

Date of Transaction : XX/XX/year> Date of Chargeback : XX/XX/year> Amount in Dispute : {$860.00} Service Provided : Marketing Services I provided online marketing services to the customer, as agreed in a signed contract. The customer 's satisfaction is documented in emails, with no complaints or disputes raised at the time. However, XX/XX/year>, the customer initiated a chargeback through American Express, alleging vague and unsubstantiated claims under the category " General, see additional notes. '' Issues with the Chargeback : Lack of Transparency : I was given no specific reason or supporting documentation for the chargeback, making it difficult for me to mount a proper defense. 

Untimely Filing : The chargeback was initiated 205 days after purchase, well beyond any reasonable dispute period. Both American Express and XXXX accepted the chargeback without questioning the delay. 

Potentially Fraudulent Actions by the Customer : The customer only sought to dispute the transaction after attempting to coerce me into providing additional services outside the scope of our original agreement, which I refused. 

Impact on My Business : The unjust acceptance of the chargeback without clear reasoning or due process has left me with no recourse, despite having fully rendered services and documented the customer 's satisfaction. 

I have attached all of our email correspondence for your review. Leaving nothing out. You will see timelines of requests ... excuses why it wasnt provided and satisfaction before canceling service. 

Desired Resolution : I am requesting a full refund, plus all fees assessed and compensation of my time during this fraudulent claim I am requesting an investigation into the practices of both XXXX and American Express regarding this chargeback. Specifically, a review of the procedures that allowed this chargeback to be accepted without proper reasoning or within the appropriate time window. 

I request the chargeback be reversed, my account restored and compensation for any financial damages incurred during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is a complaint against XXXX. In XXXX they failed to report a student loan payment I successfully made to the credit agencies resulting in an UNJUSTIFIED XXXX XXXX decrease in my credit score. I wrote letters, called, spoke to the credit agencies who all pointed me back to XXXX. This was never corrected. XXXX agreed I paid successfully. Experian reported XXXX did not report the payment. I am submitting for the recent settlement for affected borrowers.

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 2024-10-26 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: FL

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/scrub>XXXX XXXX NAME : Equifax Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/year>XXXX XXXX NAME : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision XXXX of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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:
Please clear delete Unauthorized accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: WI

Complaint narrative:
Please clear delete Unauthorized 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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to address an ongoing issue regarding unauthorized charges on my credit card and the subsequent impact on my account. 

On XX/XX/2024, I was alerted to suspicious transactions on my card, including a charge from XXXX XXXX for {$1200.00} and another from XXXX for {$190.00}, along with several declined transactions. I was in XXXX, Florida, at the time, and I received a call from Navy Federal to confirm these transactions. During the call, I declined the transactions due to the suspicious activity but later realized I had made an error in identifying legitimate transactions. I promptly called Navy Federal to clarify which charges were fraudulent versus valid. I was assured that my case would be reopened and requested proof of the disputed transactions. I also provided evidence of my presence in XXXX, including tickets and transaction records in Florida. 

Since then, I have not received any follow-up regarding my case, and my account has been charged overdraft fees. Additionally, I have now been sent to collections due to late payments resulting from these unresolved issues. 

Please assist me in resolving this matter as soon as possible and advise on any steps I need to take to correct my account status

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 2024-10-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXXwith a balance of {$65.00} that appears related to the aforementioned XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-10-26 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: NY

Complaint narrative:
I attempted to freeze my credit report with Experian by phone on XX/XX/year>, and XX/XX/year>. Despite providing my ITIN and verifying my identity, I was informed that Experians system does not accept ITINs for freezing credit reports. I believe I am entitled to freeze my credit report using my ITIN, and Experians refusal to process my request is preventing me from securing my credit as allowed by law.

I have sent a formal letter to Experian, including my identification, the letter from the IRS with my ITIN, and a recent bank statement to verify my identity. I request assistance to ensure that Experian processes my request correctly and allows me to freeze 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