vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Cfpb Dont tell me to go to FDIC .

This is a request for correct reporting per FCRA. Send to company. To Whom It May Concern at XXXX XXXX XXXX XXXX , I am writing to formally request that XXXX XXXX XXXX XXXX update the credit bureaus to accurately reflect the resolution of my account ending in XXXX. This account was settled in full as per the terms of the agreement negotiated through XXXX XXXX, and I request that its status be updated to reflect " Paid in Full '' or an equivalent positive resolution with all three major credit reporting agencies ( XXXX, TransUnion, and XXXX ). The settlement agreement was fulfilled on my end, and the negotiated payment was completed as agreed. Despite this, the account continues to inaccurately appear as a negative. This misrepresentation is not only damaging to my credit profile but also fails to reflect the good faith resolution of the account. To assist you in promptly resolving this matter, I am providing the following documentation : Settlement agreement documentation negotiated through XXXX XXXX. Notify all three credit reporting agencies ( XXXX, TransUnion, and XXXX ) to update the account status to reflect it as Paid in Full or Settled as Agreed. Provide me with written confirmation that the updates have been submitted to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure the accuracy of the information they provide to credit bureaus. Your prompt attention to this matter will ensure compliance with these requirements and prevent further inaccuracies. If additional information is required to process this request, please do not hesitate to contact me, Thank you for your attention to this matter. I trust you will handle this in a timely and efficient manner.

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 2024-12-09 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: FL

Complaint narrative:
Cfpb Dont tell me to go to FDIC .

This is a request for correct reporting per FCRA. Send to company. To Whom It May Concern at XXXX XXXX XXXX Bank , I am writing to formally request that XXXX XXXX XXXX XXXX  update the credit bureaus to accurately reflect the resolution of my account ending in XXXX. This account was settled in full as per the terms of the agreement negotiated through XXXX XXXX, and I request that its status be updated to reflect " Paid in Full '' or an equivalent positive resolution with all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). The settlement agreement was fulfilled on my end, and the negotiated payment was completed as agreed. Despite this, the account continues to inaccurately appear as a negative. This misrepresentation is not only damaging to my credit profile but also fails to reflect the good faith resolution of the account. To assist you in promptly resolving this matter, I am providing the following documentation : Settlement agreement documentation negotiated through XXXX XXXX. Notify all three credit reporting agencies ( XXXX, XXXX, and Equifax ) to update the account status to reflect it as Paid in Full or Settled as Agreed. Provide me with written confirmation that the updates have been submitted to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure the accuracy of the information they provide to credit bureaus. Your prompt attention to this matter will ensure compliance with these requirements and prevent further inaccuracies. If additional information is required to process this request, please do not hesitate to contact me, Thank you for your attention to this matter. I trust you will handle this in a timely and efficient manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Cfpb Dont tell me to go to FDIC .

This is a request for correct reporting per FCRA. Send to company. To Whom It May Concern at XXXX XXXX XXXX Bank , I am writing to formally request that XXXX XXXX XXXX XXXX update the credit bureaus to accurately reflect the resolution of my account ending in XXXX. This account was settled in full as per the terms of the agreement negotiated through XXXX XXXX, and I request that its status be updated to reflect " Paid in Full '' or an equivalent positive resolution with all three major credit reporting agencies ( Experian, XXXX, and XXXX ). The settlement agreement was fulfilled on my end, and the negotiated payment was completed as agreed. Despite this, the account continues to inaccurately appear as a negative. This misrepresentation is not only damaging to my credit profile but also fails to reflect the good faith resolution of the account. To assist you in promptly resolving this matter, I am providing the following documentation : Settlement agreement documentation negotiated through XXXX XXXX. Notify all three credit reporting agencies ( Experian, XXXX, and XXXX ) to update the account status to reflect it as Paid in Full or Settled as Agreed. Provide me with written confirmation that the updates have been submitted to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure the accuracy of the information they provide to credit bureaus. Your prompt attention to this matter will ensure compliance with these requirements and prevent further inaccuracies. If additional information is required to process this request, please do not hesitate to contact me, Thank you for your attention to this matter. I trust you will handle this in a timely and efficient manner.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I filed a claim with Wells Fargo, claim # XXXX The company the claim was against has told me the money was given back to Wells Fargo but I never received any of the money, I was contacted by XXXX XXXX. 
Escalations Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And responded to her with a secure message via Wells Fargo portal, a voicemail and an email and have received no response after providing the information she asked for.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I am filing a complaint against The Bureaus for multiple violations of the FDCPA and FCRA related to account # XXXX. Despite numerous requests over the past six months for debt validation, The Bureaus has failed to provide any verification or supporting documentation. This continued inaccurate reporting and failure to validate the debt have harmed my credit profile and caused financial and emotional distress.

Specific Errors and Violations Failure to Validate Debt Violation : FDCPA 15 U.S.C. 1692g ( b ) requires debt collectors to cease collection activities until the debt is properly validated. The Bureaus has not provided any documentation, such as the original agreement, proof of ownership, or itemized billing statements.

Impact : Continued collection activity and reporting without validation are illegal and have caused harm to my creditworthiness.

Inconsistent Reporting Across Credit Bureaus Violation : FCRA 623 ( a ) ( 1 ) mandates accurate and consistent reporting to credit bureaus. The account is reported with conflicting details across XXXX, XXXX, and XXXX : XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX Impact : These inconsistencies misrepresent my credit profile and have negatively affected my credit score.

Misleading Reporting of Past Due Amount Violation : The Bureaus reported a collection account with a separate past due amount, which is misleading. The entire balance should be reported as past due. This violates the FCRA 's requirement for accurate and non-misleading reporting ( FCRA 623 ( a ) ( 1 ) ).

Impact : This misleading information damages my creditworthiness and misrepresents my financial standing.

Providing False or Misleading Information Violation : FDCPA 15 U.S.C. 1692e ( 8 ) prohibits furnishing false or misleading information to credit bureaus. Reporting a debt that has not been validated is a clear violation of this provision.

Impact : This has caused undue stress, financial harm, and limited access to credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Inaccurate late payment status reporting. 
1.Account : XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XX/XX/year>. 

Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you XXXX credit reporting agency block all the accounts or collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2024-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
in XXXX, I sent a debt validation letter to Professional Debt Mediation Inc. regarding a {$2100.00} debt that appeared on my credit report. I requested proof of their right to collect the debt, a detailed account history showing how the balance was calculated, and a signed agreement verifying my obligation to repay. Despite this, they failed to provide sufficient validation to prove the legitimacy of the debt. The account remains on my credit report, which I believe is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Old addresses that continue to reappear no longer reside at XXXX XXXX XXXX, MI XXXX, as well as XXXX XXXX XXXX, XXXX XXXX, and haven't resided for the past 12 and 13 years

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 2024-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX - CLOSED LATE PAYMENT XXXX XXXX XXXX  XXXX - Collection/Chargeoff XXXX XXXX XXXX  - Collection/Chargeoff XXXX XXXX  Collection/Chargeoff UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$980.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX XXXX , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, 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 2024-12-09 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
This debt is from a third-party debt collector. I have no recollection of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: TN

Complaint narrative:
I am writing to request your assistance as a victim of a severe form of XXXX  in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX  XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

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 2024-12-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}

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 2024-12-09 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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