vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/year> ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : Creditor Name : 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/year> FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX Banking and XXXX XXXX XXXX XXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information currently reported on my credit file by XXXX XXXX. XXXX XXXX  was my original lender for a loan on my XXXX XXXX XXXX. However, as of XX/XX/XXXX, I successfully refinanced this loan with XXXX  XXXX XXXX XXXX. Despite the refinance, XXXX XXXX  is still requesting payments, which is incorrect since the account was settled and transferred to the new lender. 

Please investigate this matter and update my credit report accordingly, as it is essential that my financial records reflect the accurate status of the loan. I have enclosed copies of the relevant documentation, including the refinance agreement with XXXX XXXX XXXX XXXX, for your reference. 

Thank you for your prompt attention to this issue. I would appreciate written confirmation once the matter has been resolved.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information currently reported on my credit file by XXXX XXXX XXXX XXXX  was my original lender for a loan on my XXXX XXXX XXXX. However, as of XX/XX/XXXX, I successfully refinanced this loan with XXXX  XXXX XXXX XXXX. Despite the refinance, XXXX XXXX  is still requesting payments, which is incorrect since the account was settled and transferred to the new lender. 

Please investigate this matter and update my credit report accordingly, as it is essential that my financial records reflect the accurate status of the loan. I have enclosed copies of the relevant documentation, including the refinance agreement with XXXX XXXX XXXX XXXX, for your reference. 

Thank you for your prompt attention to this issue. I would appreciate written confirmation once the matter has been resolved.

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 2024-12-17 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:
XX/XX/XXXX, I disputed an XXXX XXXX that was listed inaccurately on my credit report. This account has aged- off and is now time -barred. It is outside of the 7 year statute of limitation period. I never received any communication from Experian regarding the results of my dispute. When I checked the updated report on XX/XX/XXXX, I saw that the account was updated and verified as of XX/XX/XXXX. I provided documentation from the original creditor to prove that the account was past the 7 year XXXX and Experian still did not remove 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 2024-12-17 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: PA

Complaint narrative:
I am asking for your help in addressing the issue of an inaccurate account listed on my credit report. This concern is impacting my standing as a customer, and I need these false accounts removed since they are reported incorrectly and negatively.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/XXXX I initiated a transfer from my Associated Bank checking account ( via Associated Bank 's website ) to an external bank account. The transfer amount was for {$10000.00} which was scheduled to complete on XX/XX/XXXX. ( Note that my checking account has a limit of {$10000.00} per day for 'next-day ' transfers and {$50000.00} per month for 'next-day ' transfers. My goal was to make five transfers for {$10000.00} each day of the week ). 

On XX/XX/XXXX I saw that the {$10000.00} in funds were transferred as expected. I then initiated another {$10000.00} transfer from my Associated Bank checking account to the same external account. This transfer was again for {$10000.00} and was again a 'next-day ' transfer, scheduled to complete on XX/XX/XXXX. This time I received an error stating " Error : The transfer amount you have entered exceeds the daily limit for Next-Day Service Type. '' Around XXXX I called the bank 's member support number to resolve the issue. They acknowledged that my request on XX/XX/XXXX to transfer funds on XX/XX/XXXX should have gone through. It did not exceed any daily limit. The support representative said that they would work to resolve the technical problem and call me back at the end of the day. I did receive a call back but the problem had not been resolved. At XXXX I was still not able to initiate a second transfer. 

Being locked out from transferring my funds is completely unreasonable. To make matters worse, this entire situation was preceded a day prior by a nearly impossible process to have Associated Bank cash out a XXXX account at maturity. Multiple support representatives claimed that I could only cash out my XXXX ( even though it matured that day ) by going to a physical branch and signing a form to move the funds from the matured XXXX account into my checking account. Because I travel for work I was over XXXX miles from the nearest branch and couldn't go in-person to get my funds released from my XXXX account. I was finally able to reach someone at a local branch who gave me instructions for how make a request by email to have the funds be released. 

Both of these experiences demonstrate that Associated Bank is failing to provide essential banking functionality. The problems appear to be poorly implemented bank services but this week has left me wondering if they are intentionally making it difficult for members to move money out of Associated Bank 's management. I will be closing my account with Associated after this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-17 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: PA

Complaint narrative:
I was disturbed to see inquiries from your company that I never approved. These inquiries are harming my credit and causing me significant stress.

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
please remove the PC Richards, JCPenney and Ashley furniture accounts.. All acct we paid off. 

Please update my XXXX XXXX XXXX XXXX  mortgage  account where the payment are reported as last.. I was in the COVID forbearance for 18 months and then I sold the house and paid off the mortgage. 

Update date all the late payments on credit card

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # [ XXXX ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). 
Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law

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 2024-12-17 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:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX and TransUnion for its failure to accurately report information on my credit file, specifically regarding my closed XXXX XXXX account. Despite the account being closed and resolved, XXXX continues to report it negatively and repeatedly re-ages the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate reporting has unfairly harmed my credit score and financial standing. XXXX and TransUnion failure to maintain accurate and up-to-date information is both misleading and noncompliant with federal law. I have previously disputed this matter with XXXX and TransUnion, yet they have failed to remove the account. 

I am requesting that the CFPB investigate this matter and require XXXX and TransUnion to completely remove the XXXX XXXX account from my credit report to ensure compliance with the FCRA and restore the accuracy of my credit file. 

To support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. 
2. Documentation verifying that the account has been closed and resolved. 

I appreciate your assistance in holding XXXX and TransUnion accountable for its obligations under the law. Please let me know if any further information or documentation is needed to move forward with this complaint. I look forward to a swift resolution. 

Sincerely, 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 2024-12-17 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:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian and XXXX for its failure to accurately report information on my credit file, specifically regarding my closed XXXX XXXX account. Despite the account being closed and resolved, Experian continues to report it negatively and repeatedly re-ages the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate reporting has unfairly harmed my credit score and financial standing. Experian and XXXX failure to maintain accurate and up-to-date information is both misleading and noncompliant with federal law. I have previously disputed this matter with Experian and XXXX, yet they have failed to remove the account. 

I am requesting that the CFPB investigate this matter and require Experian and XXXX to completely remove the XXXX XXXX account from my credit report to ensure compliance with the FCRA and restore the accuracy of my credit file. 

To support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. 
2. Documentation verifying that the account has been closed and resolved. 

I appreciate your assistance in holding Experian and XXXX accountable for its obligations under the law. Please let me know if any further information or documentation is needed to move forward with this complaint. I look forward to a swift resolution. 

Sincerely, 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have collections that I didn't do and I know this identity theft XXXX collections is IC Systems the account number is XXXX the second collection is XXXX XXXX XXXX XXXX account number XXXX. The third collections is springoakcap the account number is 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 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Clark County Collection Service
State: CA

Complaint narrative:
According to FCRA section 605B it issued illegal to report anything to my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
Please promptly block and remove the unauthorized accounts from my credit report. I did not create or approve these accounts and am unfamiliar with their origins. In accordance with USC 1681g, I request their removal within 15 days. Enclosed are the necessary documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX NJ XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX 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 UNVERIFIED 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 UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters 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.

Despite three written requests, 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.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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