vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: MD

Complaint narrative:
This is about the SIX complaint for the listed credit bureaus failing to properly investigate and or correct or delete the factual inaccurate and incomplete data being listed on my consumer credit reports. The data across all 3 major credit bureau reports are mismatched, dofferent to include different dates of last activity, dofferent payment status on alledged charge off accounts. Alledged charge off account is listing as a collection account so which one is it? A charge off? Or collection account? Some list a term limit as a term limit is an agreed upon term to pay back a debt. I dispute this debt, it was never properly verified and validated. 

Data furnishing company is being allowed to list 3 different dates of last activity. The date of last activity being updated makes the alledged account appear to be new and reaging the account for the common purpose of further hurting a consumers credit score. 

Additionally the account is listing late payments of 120 days and being allowed to do so by the credit bureaus, however on 2 other reports it is incomplete and blank. 

I am now requesting {$1000.00} for the repeated and clear violations of the FCRA as well as the other violations ofbthe federal laws and standards for 1. Allowing factual inaccuracies to be reported and inconsistent across all 3 credit bureaus. 2. the credit bureaus for failing to properly investigate and correct and or delete the factual inaccuracies. How can it be accurate reporting different information on all 3 credit bureaus? 

This is outrages, irresponsible, and clear numerous violations to ensure the consumer rights

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 2024-11-09 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: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
There are some collection accounts on my report that are incorrect. I will like them investigated and removed from my report. One is XXXX/Bridgecrest account # XXXXXXXX XXXX/Bridgecrest account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I sent a Certified letter on XXXXXXXX XXXX asking them for copy of the contact that i signed a full accounting history of the debt every payment history that was made copy of 1099c since they wrote it off and have on my credit report as a charge off. 

i ask for the company to send me real proof regarding the report of the 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 non-monetary relief
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I sent a Certified letter on XXXX XXXX  asking them for copy of the contact that i signed a full accounting history of the debt every payment history that was made copy of 1099c since they wrote it off and have on my credit report as a charge off. 

i ask for the company to send me real proof regarding the report of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I sent a Certified letter on XXXXXXXX XXXX asking them for copy of the contact that i signed a full accounting history of the debt every payment history that was made copy of 1099c since they wrote it off and have on my credit report as a charge off. 

i ask for the company to send me real proof regarding the report of the 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 2024-11-09 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: IA

Complaint narrative:
I am filing this complaint to address outdated and inaccurate accounts that are still being reported on my credit report by XXXX, XXXX, and Equifax. Specifically, two accounts from the Department of EducationXXXX XXXX XXXX XXXX with balances of {$1700.00} and {$520.00} ) are still appearing on my report, even though they are beyond the seven-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed these accounts with the credit bureaus, but they have failed to remove them, despite their obligations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA Section 605 ( a ), negative information should not be reported beyond seven years, yet these accounts continue to appear, causing potential harm to my credit profile. 

Desired Resolution : I request that the CFPB ensure that XXXX, XXXX, and Equifax remove these outdated accounts from my credit report immediately, as they are beyond the allowable reporting period under federal law. Additionally, I request written confirmation that these accounts have been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: IA

Complaint narrative:
I am filing this complaint to address outdated and inaccurate accounts that are still being reported on my credit report by XXXX, Experian, and XXXX. Specifically, two accounts from the Department of EducationXXXX XXXX XXXX XXXX with balances of {$1700.00} and {$520.00} ) are still appearing on my report, even though they are beyond the seven-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed these accounts with the credit bureaus, but they have failed to remove them, despite their obligations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA Section 605 ( a ), negative information should not be reported beyond seven years, yet these accounts continue to appear, causing potential harm to my credit profile. 

Desired Resolution : I request that the CFPB ensure that XXXX, Experian, and XXXX remove these outdated accounts from my credit report immediately, as they are beyond the allowable reporting period under federal law. Additionally, I request written confirmation that these accounts have been deleted.

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 2024-11-09 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: NC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2024-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2024-11-09 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: MD

Complaint narrative:
This is about the SIX complaint for the listed credit bureaus failing to properly investigate and or correct or delete the factual inaccurate and incomplete data being listed on my consumer credit reports. The data across all 3 major credit bureau reports are mismatched, dofferent to include different dates of last activity, dofferent payment status on alledged charge off accounts. Alledged charge off account is listing as a collection account so which one is it? A charge off? Or collection account? Some list a term limit as a term limit is an agreed upon term to pay back a debt. I dispute this debt, it was never properly verified and validated. 

Data furnishing company is being allowed to list 3 different dates of last activity. The date of last activity being updated makes the alledged account appear to be new and reaging the account for the common purpose of further hurting a consumers credit score. 

Additionally the account is listing late payments of 120 days and being allowed to do so by the credit bureaus, however on 2 other reports it is incomplete and blank. 

I am now requesting {$1000.00} for the repeated and clear violations of the FCRA as well as the other violations ofbthe federal laws and standards for 1. Allowing factual inaccuracies to be reported and inconsistent across all 3 credit bureaus. 2. the credit bureaus for failing to properly investigate and correct and or delete the factual inaccuracies. How can it be accurate reporting different information on all 3 credit bureaus?

This is outrages, irresponsible, and clear numerous violations to ensure the consumer rights

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 2024-11-09 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: MD

Complaint narrative:
This is about the SIX complaint for the listed credit bureaus failing to properly investigate and or correct or delete the factual inaccurate and incomplete data being listed on my consumer credit reports. The data across all 3 major credit bureau reports are mismatched, dofferent to include different dates of last activity, dofferent payment status on alledged charge off accounts. Alledged charge off account is listing as a collection account so which one is it? A charge off? Or collection account? Some list a term limit as a term limit is an agreed upon term to pay back a debt. I dispute this debt, it was never properly verified and validated. 

Data furnishing company is being allowed to list 3 different dates of last activity. The date of last activity being updated makes the alledged account appear to be new and reaging the account for the common purpose of further hurting a consumers credit score. 

Additionally the account is listing late payments of 120 days and being allowed to do so by the credit bureaus, however on 2 other reports it is incomplete and blank. 

I am now requesting {$1000.00} for the repeated and clear violations of the FCRA as well as the other violations ofbthe federal laws and standards for 1. Allowing factual inaccuracies to be reported and inconsistent across all 3 credit bureaus. 2. the credit bureaus for failing to properly investigate and correct and or delete the factual inaccuracies. How can it be accurate reporting different information on all 3 credit bureaus?

This is outrages, irresponsible, and clear numerous violations to ensure the consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I received the attached letter offering me a credit card with Sephora. I do not want a credit card so I followed the instructions contained in the letter about how to opt out of receiving such " prescreened offers ''. I called the toll free number listed in the letter to opt out, however, I was never provided an opportunity to opt out when I called the toll free number. 

Instead, I was subjected to a barrage of additional offers - how to sign up or change my enrollment with XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am not old enough for XXXX! ) as well as several urgings to apply for a free medical alert device. Each time I followed the prompt on the tollfree number, I was connected to another bot/prerecorded message about XXXX, how to be connected to a live insurance salesperson, and/or how to receive a free medical alert device. 

I eventually hung up without being able to opt out of receiving prescreened offers as I was told I could in the attached letter. I'm concerned other unaware consumers may be easily tricked into signing up for products they do not even want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ss XXXX sub : request for account blocking and deletion due to data breach Dear TransUnion team, I am writing you formally requesting that the blockage and deletion all of accounts, inquiries associated with my personal information due to the recent data breach. XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). This request is made in accordance with several provisions of the fair crefit reporting act. 15 USC 1681c-2 ( a ), 15 USC 1681i , 15 USC 1681e ( b ) ,15 USC 1681g ( a ) ,15 USC 1681m,15 USC 1681n. please confirm these reciept of this letter and provide written confirmation of the action taken regarding my accounts. Additionally, i would appreciate an update on any measures you are implementing to protect my personal information. Thank you i look forward to you response XXXX days

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