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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents XXXX days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I do not believe the debt that is reported on my credit report is valid

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These accounts do not belong to me. 
XXXX  XXXX account XXXX amount {$5800.00} XXXX XXXXXXXX account XXXX amount {$1500.00} XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account XXXX {$2600.00} i sent them certified mail several times to address this matter and no response at all i have proof that i sent and they received because they signed for it. they are trying to collect the wrong thing they dont have the right to collect on this account. i never signed anything with this company. i even sent it to experian, XXXX and Transunion and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly or indirectly through reseller of such disput the agency shall free of charge conduct a reasonablie reinvestigation to determine whether the disputed information is inacurrate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These accounts do not belong to me. 
XXXX  XXXX account XXXX amount {$5800.00} XXXX  XXXX account XXXX amount {$1500.00} XXXX  XXXX account XXXX XXXX XXXX XXXX account XXXX {$2600.00} i sent them certified mail several times to address this matter and no response at all i have proof that i sent and they received because they signed for it. they are trying to collect the wrong thing they dont have the right to collect on this account. i never signed anything with this company. i even sent it to experian, Equifax and XXXX and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly or indirectly through reseller of such disput the agency shall free of charge conduct a reasonablie reinvestigation to determine whether the disputed information is inacurrate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XXXX of 2023 Wells Fargo closed my bank accounts 2 checking, 1 savings account I am being told it is due to me being a risk for filing to many claims. However here we are in XXXX and I am receiving checks from Wells Fargo due to these claims settling in my favor. But yet Wells Fargo is informing me I am a risk. As my finical institution I tried to work the issue out with the 3rd party but was unsuccessful in doing so. As my financial institution to safe guard my funds and protect my assets I filed claims to have the bank step in and obtain my funds. According to my bank agreements etc I did no wrong doing. I previously filed a claim so I can open an account. I was informed from the executive office I am able to do so but have been unsuccessful in doing so. Also since the closure of my accounts with Wells Fargo I have been receiving numerous letters and checks stating after an account review they determined that an error on their end occurred with the claims.

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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus XXXX, XXXX, and TransUnion. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to XXXX, XXXX and TransUnion regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both Transunion and XXXX, while XXXX reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both Transunion and XXXX, while XXXX reports a date of XX/XX/year>, and all 3 credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all 3 credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus XXXX, Equifax, and XXXX. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to XXXX, Equifax and XXXX regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both XXXX and Equifax, while XXXX reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both XXXX and XXXX, while Equifax reports a date of XX/XX/year>, and all 3 credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all 3 credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus Experian, XXXX, and XXXX. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. BRANDSOURCE/MACYS has also reported inconsistent and inaccurate information to Experian, XXXX and XXXX regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both XXXX and XXXX, while Experian reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both XXXX and Experian, while XXXX reports a date of XX/XX/year>, and all XXXX credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all XXXX credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section XXXX ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: ASSURANCE FINANCIAL GROUP, LLC
State: LA

Complaint narrative:
I filed for XXXX XXXX bankruptcy in XXXX of XXXX. My mortgage is set up on direct payment and is NOT paid through bankruptcy. I subsequently lost access to my online account through the mortgage company because I filed bankruptcy in order for them to comply with the Automatic Stay. I am required to either call the bankruptcy department to make my payments or mail them a check or bill pay payment. There have been multiple where I have tried to call and make my payment but they were closed. They will not let me make my payment through any other servicing option since I am under bankruptcy. My boyfriend is also on the mortgage and he is not tied to my bankruptcy at all but still can not have access to the account because of their " company policy ''. I spoke with two different people today XX/XX/XXXX and they informed me that their " company policy '' is that my account will be blocked until they receive a discharge letter from the bankruptcy courts and there is nothing else they can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation