vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: IL

Complaint narrative:
I, XXXX XXXX, submit this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax, XXXX, and XXXX for ongoing and egregious violations of federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit file across all three bureaus contains two fraudulent accounts ( XXXX Account # XXXX and XXXX  Account # XXXX ) and unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, which violate 15 U.S.C. 1681b ( c ) by failing to ensure permissible purposes for accessing my credit report. Despite my repeated efforts over more than 30 days, including requests for verification, contracts, and signatures, the bureaus have failed to remove these inaccuracies.

These bureaus have violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum accuracy, 15 U.S.C. 1681i ( a ) by failing to investigate or remove unverifiable information, and 15 U.S.C. 1681c-2 ( a ) by neglecting to block fraudulent accounts and inquiries within four business days of receiving proof of identity and a police/identity theft report. Additionally, furnishers of these accounts violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by knowingly reporting inaccurate information, and the bureaus failed to comply with 15 U.S.C. 1692g ( a ) by not providing proper debt validation notices within five days prior to reporting.

I demand the immediate removal and blocking of these fraudulent accounts and unauthorized inquiries across all three bureaus, without further delay, and written confirmation of these actions. The bureaus ' ongoing noncompliance leaves me no choice but to seek remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of federal law. CFPB enforcement is necessary to ensure that these actions are completed without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: WV

Complaint narrative:
After carefully reviewing my credit report, I have identified several accounts that are either inaccurate or unfamiliar to me, which are negatively impacting my life. These entries are hindering my progress toward securing a home loan I am actively working toward.

In particular, I have noticed a reference to a company called XXXX XXXX an XXXX XXXX. Contacting XXXX XXXX they informed me this account is closed, and they no longer manage the debt. However the associated debt remains on my credit report, even though the company they claim has purchased the debt is not listed on my report. I have no affiliation with this debt buyer and can not validate the legitimacy of their claim.

I kindly request the immediate investigation and removal of these inaccurate entries from my report. Ensuring that my credit report reflects accurate and verified information is essential for maintaining the integrity of my financial standing and enabling me to achieve my homeownership goals.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America- I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a 1099C from Bank of America to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me.

My credit report from Bank of America is being reported as a written off. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> I was contacted by an individual that on XXXX XXXX XXXX in reference to an item I had posted. The individual used the screen name XXXX XXXX. He indicated that he wanted to use the ZELLE app to provide payment. I proceeded to use the ZELLE app and received an email with instructions how to proceed, I followed the instructions as given by a person who called himself " XXXX XXXX '' who also provided a badge number XXXX. After several rounds of telling me that I needed to " XXXX XXXX '' amounts of {$500.00} multiple times and arguing with both of these persons about the process I told them I was no longer interested in completing the process. The telephone number the " ZELLE '' rep used was XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and 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 The " ZELLE '' rep became argumentative when I told him to reverse all of my charges and replace the funds into my account, he denied being able to do so and left me on hold for a long period. I went to my banking site and turned off my debit card to stop all pending charges. I do not know if that will stop the pending charges or not, so I also emailed my bank 's customer service to notify them of the impending fraud and to stop all charges. This incident went on for far too long and I admit that it was my naivete that allowed it to go as far as it did. I just hope that I didn't actually lose XXXX XXXX dollars in the wake of my stupidity. Any possibility of catching these people that perpetrate this kind of fraud would be amazing. I am angry and disappointed that I fell for this and again just hope my bank can stop these transactions from going through. Otherwise I don't believe that I'll see any of my money recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX - Account # 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with XXXX, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported
balances for my XXXX account are inconsistent across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). These discrepancies are misleading and do not reflect the actual account balances as per my statements.

Late Payments : XXXX XXXX has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing.

I have already made several attempts to dispute these inaccuracies directly with XXXX XXXX  by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that XXXX XXXX  be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner.

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with XXXX, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported
balances for my XXXX account are inconsistent across all three major credit bureaus ( Equifax, XXXX, and XXXX ). These discrepancies are misleading and do not reflect the actual account balances as per my statements.

Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing.

I have already made several attempts to dispute these inaccuracies directly with XXXX XXXX  by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that XXXX XXXX  be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner.

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with XXXX, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported balances for my XXXX account are inconsistent across all three major credit bureaus ( XXXX, Experian, and XXXX ). These discrepancies are misleading and do not reflect the actual account balances as per my statements. 

Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing.

I have already made several attempts to dispute these inaccuracies directly with XXXX XXXX  by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that XXXX XXXX  be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner.

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.

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 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
I believe this was a HIPPA violation. I also had no knowledge of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-04 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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 express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2024-12-04 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE AND INCOMPLETE XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE AND INCOMPLETE XXXX ACCOUNT

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 2024-12-04 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: GA

Complaint narrative:
Im so confused and upset because this morning, my credit report showed accounts that dont belong to me. I regularly check my reports, and this is the first time Ive ever seen these errors. I even refreshed my browser, hoping it would fix itself, but the accounts didnt disappear. I need you to carefully check the documents Ive provided so I dont have to keep worrying about this nightmare.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc
State: NM

Complaint narrative:
Chime in retaliation closed down my Account due to my complaint about no access to {$1000.00} XXXX XXXX XXXX XXXX and demanded credit as per UCC 3-603. Also you must read chime Automatic savings account terms and conditions of agreement and also identify your program bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
My account with 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 in XXXX, XXXX, XXXX, AND XXXX 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 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