vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ou are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ou are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The company has stated they will allow an incorrect account to remain on my report. I initiated a dispute informing XXXX that the information does not follow the law by reporting to my credit report. XXXX specifically started " the incorrect account will remain '' and I have proof 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 non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Inquiries, Addresses, Employment History, and Names on Credit Report To Whom It May Concern, I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Inquiries, Addresses, Employment History, and Names on Credit Report To Whom It May Concern, I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit to my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable ro provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the follwojmg account be validated or DELETED immediately : 1XXXX XXXX XXXX  in addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report following a data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed.

Fraudulent Accounts 1. XXXX XXXX  Account ID : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XXXX o Amount : {$4800.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXX o Amount : {$7100.00} XXXX. XXXXXXXX XXXX  XXXX Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX  Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX Amount : {$1800.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XXXX XXXX  Amount : {$2500.00} XXXX. XXXX XXXX XXXXXXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX Amount : {$2900.00} XXXX. XXXX XXXX XXXXXXXX XXXX  Account ID : XXXXXXXX XXXX  Date Opened : XXXXXXXX XXXX Amount : {$9700.00} XXXX. XXXX XXXX XXXX XXXX  Account ID : XXXXXXXX XXXX Date Opened : XXXX XXXX Amount : {$11000.00} Fraudulent Inquiries XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management Account number XXXX Original creditor XXXX  XXXX XXXX Beginning XXXX {$1900.00} Updated balance should be at {$680.00} Payments started XXXX {$200.00} XXXX {$180.00} wage garnishment XXXX {$200.00} XXXX {$150.00} wage garnishment XXXX {$180.00} wage garnishment XXXX {$200.00} XXXX {$160.00} On XXXX at XXXX I contacted the agency and they claimed that they have no payments and they can not forward any additional payments I made to the XXXX Sheriffs Department XXXX At XXXX am I contacted the Sheriffs Department and explained to them what I was told and they said the agency is lying, that they are required to forward notifications of the additional payments made and to get in contact with them so they could forward that information. I contacted the agency again and claimed that the XXXX Department is lying that they dont forward any information to them. All I asked is for them to update my balance by forwarding the information to the XXXX XXXX Department and they are denying to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX To fix problem the account has been close since XXXX XXXX on my Transunion and XXXX XXXX on my XXXX 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 non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted XXXX To fix problem the account has been close since XXXX XXXX on my XXXX and XXXX XXXX on my Experian 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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
On XX/XX/XXXX someone authorized an XXXX draft on my account at XXXX XXXX Bank for {$580.00}. I only had {$140.00} in my account. I was in XXXX XXXX XXXX on that day and have the records to show it. The bank sent me the XXXX authorization and who the person was that authorized this. I had no knowledge of this person and signed multiple affidavits stating i did not authorize this charge and did not know the individual. 

I appealed this 6 times with XXXX and each time the fraud department stated that they did not believe me. I contacted the vendor that made this transaction and they stated that the person who made the unauthorized payment through my account only used that account number once. I asked them to reverse the XXXX and they refused to stating i had to contact the individual who made this payment. I stated I do not know who it is and I have no phone number either. 

I have sent all this information including my jail records to XXXX 6 times and each time I get a form letter stating the fraud department says I authorized this. When I contacted XXXX for a total of XXXX minutes on the phone I could not even talk to the fraud department. I had to talk with a liason who then communciated the information to this department. 

I asking for the collections to stop as XXXX said I owe them {$440.00} for the overdraft. I would like my {$140.00} plus interest given back to me as XXXX closed my account because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent via registered mail stamped and endorsed negotiable instruments that were properly endorsed on both the front and back, which also included a canceled-out stamp following the correct bankers acceptance format. As the Principal Creditor, Authorized Representative, and Trustee of the U.S. TRUST, I exercise my lawful rights under U.C.C. 1-103 and 1-104, Public Law Chapter 48, 48 Stat. 112, Public Law 73-10, Title 31 U.S.C., 5118, House Joint Resolution ( HJR ) 192 of XX/XX/XXXX, the Emergency Banking Act of XX/XX/XXXX, and related Supreme Court rulings . My actions are protected under the U.S. Constitution and statutory law, including the right to settle and discharge public debts using private credit instruments. Any attempt to infringe upon these rights will be met with appropriate legal action, including claims for damages and other remedies available under law. The registered security was sent to Trustee XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Florida XXXX, the address listed on their 10k. I included an instruction letter along with the registered security. 

I have given XXXX XXXX more than enough time to follow the instructions in the letter and discharge my mortgage debt. I have not heard anything from him, nor have I received the original registered stamped security back via registered mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I applied for vehicle financing with Santander Bank, which is unlawfully demanding a {$26000.00} down payment. This requirement violates the Truth in Lending Act ( TILA ), specifically : 15 U.S.C. 1605 defining finance charges to include all charges, prohibiting additional down payment demands.

15 U.S.C. 1662 ( b ) barring extra cash requirements for approved credit transactions.

Santanders requirement was not disclosed initially, and they deny me financing if I dont comply. Additionally, their request for my private financial details ( proof of income ) violates FCRA privacy protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

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 1692c ( c ) Account : XXXX Acct # XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX  Acct # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX Acct # XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Acct Name : XXXX XXXX Acct # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Acct Name : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: PA

Complaint narrative:
XXXX lost a wire transfer from Police and XXXX XXXX XXXX XXXX XXXX and was sent fax proving sufficient funds for mortgage payment. I've talked to XXXX numerous times with no resolution over the past few months. My credit status is suffering because of this. Have had credit card companies close my account because of this. 

I'm attaching documentation of completed mortgage payments that are being disputed by 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