vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
After attempting a wire transfer out of country on XX/XX/XXXX, Wells Fargo Fraud Prevention blocked the transfer and reported me to a State Agency responsible for Adult Protective Services ( APS ). I was attempting to procure electronic equipment through a nonXXXX company. On XX/XX/XXXX, Wells Fargo sent me an email, then a letter, to inform me they were closing my checking account on XX/XX/XXXX. I went to the same Wells Fargo branch on XX/XX/XXXX to close the account and withdraw the funds in the account. Once there I was informed the " review '' or investigation was extended to XX/XX/XXXX ; several days later a letter saying the same thing arrived at my home mailbox. In between this time I was contacted by APS by phone, then by a home visit, where I was subjected to a cognitive test. The APS person determined I was not impaired, and said the case would be closed. This obviously upset me significantly. When at the bank on XX/XX/XXXX, I was again informed that the review was extended to XX/XX/XXXX. I objected, complained that this was the second extension, and asked why. I was told the review was not complete. I asked what was being reviewed since I had no activity on the account since early XXXX. I attempted to explain that the funds were critical for XXXX, and I felt this had gone on long enough. I called the Fraud Prevention phone number on the letter, and was told they weren't going to release the account until XX/XX/XXXX as stated. No reason given. I then submitted a complaint at the branch.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 


XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

XXXX XXXX  XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service. XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently obtained a copy of my credit report from your bureau and observed that late payments have been inaccurately reported on my account. I am writing for numerous times demanding to remove the late payments and update the reporting accurately. As another bureau was able to complete their investigation and update the reporting accordingly. 
Account Information : XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
These late payments are inaccurately reflected, and I believe there has been an error in the reporting. I would like to bring to your attention that I have consistently maintained a positive payment history with the mentioned creditor. There were no late payments during the disputed period, and the current report does not accurately represent my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the removal of a fraudulent account that continues to persist on my credit report with your bureau, even though other credit bureaus have not reported the account. 
Account Information : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Despite my efforts to rectify this issue, the fraudulent account remains on my credit report with your bureau. I have obtained credit reports from multiple bureaus, and it has come to my attention that this fraudulent account is not being reported by other credit bureaus. The inconsistency among the reports raises concerns about the accuracy of my credit information with your bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am wondering what process of investigation you are wasting that despite previous escalation of my dispute, you will advised that I had to wait for 30 days for the investigation yet there was no progress for so long already. I am writing to dispute and request the removal and update of an inaccurate late payment that continues to stain the reputation of my creditworthiness on my credit report. 
Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to emphasize that this late payment is inaccurate and does not reflect my credit history accurately. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report has a detrimental impact on my creditworthiness and financial standing. I am committed to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2023. 

I physically when to a XXXX dealership to purchase a car with a check in hand, with my prequalified letter from my bank proving the check off {$55000.00} was used to purchase a car. 

XXXX bait and switch the contract by forging my name to their in-house deal contract without my knowledge, and proceed to run my credit to multiple financial institution deflating my credit score to low XXXX to appending a high percentage rate of 15.70 % to the price tag of {$28000.00} blooming the price of vehicle to {$44000.00}? 

Leaving me to defend the excessive inquiries and now reporting to my credit with derogatory remarks as of XX/XX/2023.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2023. 

I physically when to a XXXX dealership to purchase a car with a check in hand, with my prequalified letter from my bank proving the check off {$55000.00} was used to purchase a car. 

XXXX bait and switch the contract by forging my name to their in-house deal contract without my knowledge, and proceed to run my credit to multiple financial institution deflating my credit score to low XXXX to appending a high percentage rate of 15.70 % to the price tag of {$28000.00} blooming the price of vehicle to {$44000.00}? 

Leaving me to defend the excessive inquiries and now reporting to my credit with derogatory remarks as of XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2023. 

I physically when to a XXXX dealership to purchase a car with a check in hand, with my prequalified letter from my bank proving the check off {$55000.00} was used to purchase a car. 

XXXX bait and switch the contract by forging my name to their in-house deal XXXX without my knowledge, and proceed to run my credit to multiple financial institution deflating my XXXX XXXX to low XXXX to appending a high percentage rate of 15.70 % to the price tag of {$28000.00} blooming the price of vehicle to {$44000.00}? 

Leaving me to defend the excessive inquiries and now reporting to my credit with derogatory remarks as of XX/XX/2023.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Social security number XXXX my name is XXXX XXXX my complaint is that experian and XXXX refused to remove the negative item on my credit report its fraud I filed a federal trade commission identity theft report on file the credit agencies XXXX and experian supposed to have the negative items blocked from showing on 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was stolen I have things loans debts credits cards etc car loans that have been fraudulent and I cant do anything for my kids because of this.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally complain about the persistent challenges I have encountered in correcting late open accounts and removing charge-offs from my credit file. Despite multiple attempts, the inaccuracies remain on my credit report, causing undue distress and adversely affecting my financial standing. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. However, despite my best efforts, these inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. 

I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-offs. 

Should this matter not be resolved promptly, I XXXX be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX XXXX XXXX : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally complain about the persistent challenges I have encountered in correcting late open accounts and removing charge-offs from my credit file. Despite multiple attempts, the inaccuracies remain on my credit report, causing undue distress and adversely affecting my financial standing. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. However, despite my best efforts, these inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. 

I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-offs. 

Should this matter not be resolved promptly, I XXXX be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX XXXX XXXX : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with explanation