vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXXXXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment 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 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XX/XX/year> Current results XXXX Removed XXXX Remain Dispute sent XX/XX/year> In review XX/XX/year> Current results : XXXX remain Updated on : XX/XX/year> Remaining items XXXX be removed on your next credit report. It can take up to XXXX days to get items removed from your report. 
XXXX items in dispute COLLECTIONS 1 CHARGE-OFFS XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX Place XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX I have enrolled in debt relief program to handle this debt, but I had a medical emergency, lost my job and now have a lot of medical debt. I have a full time job now and will be able to make payments again soon Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXXXXXX XXXX XXXX XXXXXXXX I have enrolled in debt relief program to handle this debt, but I had a medical emergency, lost my job and now have a lot of medical debt. I have a full time job now and will be able to make payments again soon. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX | Kikoff My original dispute wasn't correct because I didn't know how to properly dispute the items.

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 2024-11-27 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: NJ

Complaint narrative:
I am filing this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information in my credit history. Specifically, this pertains to the XXXX XXXX XXXXXXXX account with the partial number XXXX. This account contains substantial errors that have negatively impacted my credit profile.

Specific Issues with the Account 1. Incorrect Status : The account is reported as " Collection/Chargeoff '' by Experian, while other credit bureaus provide different statuses for the same account, highlighting a lack of data consistency.

2. Inaccurate Payment History : Delinquencies, such as 30- and 60-day late payments, along with a " Chargeoff '' status, are recorded for XXXX and XX/XX/year>. These dates do not match the information provided by other credit reporting agencies. 

XXXX. Date Inconsistencies : The date of last payment and the date of last activity on the account are inconsistent with records maintained by other credit bureaus. 

FCRA Violations 1. Section 607 ( b ) : Accuracy of Information Experian is required to ensure the accuracy of all data reported. The discrepancies in account status, payment history, and dates violate this requirement.

2. Section 611 ( a ) : Reasonable Investigation of Disputes Despite prior disputes filed regarding this account, Experian has failed to conduct a reasonable investigation and correct the inaccuracies, as mandated by this section.

3. Section 605 ( a ) : Reporting of Obsolete or Inaccurate Information Experian continues to report information that is inaccurate and outdated, which is prohibited by this section.

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 2024-11-27 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-27 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 am writing to express my extreme frustration with your ongoing failure to resolve the inaccuracies on my credit report despite multiple dispute submissions. The erroneous and unrecognized negative items remain on my report in clear violation of the Fair Credit Reporting Act ( FCRA ).

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 2024-11-27 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I took this loan in a desperate situation to pay my rent in order to prevent eviction and being homeless. I didn't realize they would be charging me 753.81 % interest and taking {$320.00} out of my bank account every other week. This is financially crippling me. They are taking advantage of people in desperate situations and making their situations even worse. Because of this company I may be forced into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
There are fraudulent items on my credit report that I have never authorized or benefited from, and their presence is deeply distressing. These inaccuracies are not only damaging my credit but also tarnishing my character, which is both insulting and a violation of my rights as a consumer. Despite reporting this fraud to the Federal Trade Commission, the items remain on my report, which is incredibly disappointing. The very systems meant to protect consumers like me have failed to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please refer my previous CFPB complaint # XXXX filed on XXXX XX/XX/2024. Went to branch on XXXX XX/XX/2024. Got my phone # enrolled for XXXX. Did one XXXX outgoing money transfer in the branch-worked fine. 

Later after few hours at home. XXXX outgoing transfer from the computer were not working with the same error message. Tried wells fargo app-they worked. But after XXXX such transfers even app stopped working. 

with a very weird message '' for your protection we are unable to send this XXXX  payment '' Such an unreliable bank.

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 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have recently filed a complaint in federal court against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act. Despite my clear instructions not to contact me during work hours on weekdays ( Monday to Friday ), Midland repeatedly called me at these inconvenient times, fully aware that my employer prohibits personal phone calls while I am at work. I specifically informed them of the days and hours when they could reach me, yet they continued to disregard my requests. This persistent calling at known inconvenient times constitutes abusive, harassing, and oppressive conduct under the FDCPA. Such behavior is not only unacceptable but also unlawful, and Midland Credit Management must be held accountable for these violations. By engaging in these practices, they have shown a blatant disregard for consumer rights and the legal obligations imposed on debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I had 2 loans with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and loan # XXXX. 
Both of them were paid off in XX/XX/year>, and XXXX sent a set of recording documents at corresponding TX countries. however these XXXX XXXX  still show as active loans in my credit reports. I called XXXX, I was told they have reported these payoff to credit agencies. 
I am requesting credit agencies to show these 2 loans status correctly as paid off status.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had XXXX loans with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and loan # XXXX. 
Both of them were paid off in XX/XX/year>, and XXXX sent a set of recording documents at corresponding TX countries. however these XXXX XXXX  still show as active loans in my credit reports. I called XXXX, I was told they have reported these payoff to credit agencies. 
I am requesting credit agencies to show these 2 loans status correctly as paid off status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had 2 loans with XXXX XXXX XXXX : loan # XXXX and loan # XXXX. 
Both of them were paid off in XX/XX/year>, and XXXX sent a set of recording documents at corresponding XXXX countries. however these XXXX XXXX  still show as active loans in my credit reports. I called XXXX, I was told they have reported these payoff to credit agencies. 
I am requesting credit agencies to show these 2 loans status correctly as paid off status.

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 2024-11-27 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: MA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-27 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts appearing on my credit report. I have been a victim of identity theft and unauthorized access to my personal information as a result of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have information resulting from identity theft blocked and removed from my credit file. 
Below is a list of the accounts I have identified as fraudulent 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 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 non-monetary relief
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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