vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: GA

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate debt reported on my credit file by Portfolio Recovery Associates ( PRA ). Based on a recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), it has been established that PRA has engaged in illegal debt collection practices, including reporting unsubstantiated debt, failing to properly investigate consumer disputes, and violating the Fair Credit Reporting Act ( FCRA ).

According to the CFPBs findings, PRA has : Collected on unsubstantiated debt without providing required documentation.

Failed to properly investigate and resolve consumer disputes.

Engaged in deceptive and illegal collection tactics, including attempting to collect on debts beyond the statute of limitations.

Given this history of misconduct, I have serious concerns about the accuracy and legitimacy of the debt PRA has reported on my credit file. I request that the credit bureau conduct a thorough investigation and provide the following : 1. Validation of the debt with supporting documentation proving its accuracy.

2. Details of PRAs verification process, including whether PRA provided sufficient evidence of my obligation to pay this debt. 
3. Immediate removal of the debt if PRA fails to provide sufficient proof that the debt is valid, properly documented, and legally enforceable.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days. If you are unable to verify this debt with accurate, documented proof from PRA, it must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 is when I opened my first bank account with Wells Fargo I have been having trouble with my online bank which I had no access to and I always got notified that I was negative or I was paying on something I didnt authorize.. I contacted Wells Fargo multiple times just for them to tell me theres nothing they can do .. so I left it and they let the fees keep adding up as of today I still dont have online access

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 2025-02-28 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: IL

Complaint narrative:
According to dispute XXXX the information that I have requested as the executor of my credit report have not been produced to me. According to law I am allowed a proper and verifiable investigation along with me requesting the method of verification used to verify the accuracy of this alleged information that is being reported improperly. I have yet to have this proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
According to dispute XXXX the information that I have requested as the executor of my credit report have not been produced to me. According to law I am allowed a proper and verifiable investigation along with me requesting the method of verification used to verify the accuracy of this alleged information that is being reported improperly. I have yet to have this proof

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 2025-02-28 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: CBC Companies, Inc.
State: MI

Complaint narrative:
have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I reviewed my credit report and noticed that the account for XXXX XXXX XXXX XXXX  is still being reported, despite my multiple prior disputes. This account has been deleted and re-reported on my credit report at least four times, which is a clear violation of federal law.

According to 15 USC 1681i ( 5 ), you are required to : Immediately delete or modify any information that is found to be inaccurate, incomplete, or unverifiable during the reinvestigation process.

Notify the information provider that the information has been modified or deleted.

Additionally, under 15 USC 1681e ( b ), Experian must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.

15 USC 1681s-2 clearly states that an information provider must not report information if they know or have reason to believe it is inaccurate. If a consumer has notified the provider about the inaccuracy of certain information and it turns out to be inaccurate, the provider must not continue reporting it. 

Inaccuracies in the XXXX XXXX XXXX XXXX account : The account was supposedly repossessed with only 30 days of late payment, which is highly unusual and goes against standard industry practices. Additionally, a proper repossession process under the Uniform Commercial Code ( UCC ) was not followed. 

This account was opened on XX/XX/year>, a date when I did not reside in the United States, which suggests a possible case of identity theft. 

The company XXXX XXXX XXXX LL is listed as a scam and has not responded to any of my verification requests, nor has it provided evidence or required verification methods in any of the times I attempted to contact them. 

I firmly and immediately request that this account be permanently deleted from my credit report and blocked from being reported again, in accordance with 15 USC 1681c-2, which establishes the right to block information in cases of identity theft. 

I demand that any attempt to re-report this account be accompanied, as required by law, by prior notice and a valid method of verification by both companies involved. Any further non-compliance could result in legal action to protect my consumer rights. 

I look forward to a detailed response regarding the actions taken as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
I look at my credit report and this stuff on her I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: 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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I sent somebody {$160.00} through XXXX to buy a XXXX. They said they never received this payment even though it processed. They then said that they needed my Bank account login, Debit card information, XXXX login, and address to start a refund. When I gave them this information they then made multiple payments on my account through XXXX and Zelle. I did not dispute them until now because he said that is what XXXX support told him to do. He used the address I gave him to mimic my IP Address with a VPN. He also used something to mimic my device and I'm not sure what it was. He did this so when he made payments he would not trigger any fraud alerts. There were multiple payments he made, but the ones that went through were {$93.00} on XXXX, {$220.00} on XXXX made on XX/XX/year>, {$270.00} on XXXX made on XX/XX/XXXX, {$90.00} on Zelle made on XX/XX/XXXX, {$110.00} on Zelle made on XX/XX/XXXX, {$70.00} on Zelle made on XX/XX/XXXX, {$30.00} on Zelle made on XX/XX/XXXX, {$5.00} on Zelle made on XX/XX/XXXX, and {$250.00} dollars on XXXX made on XX/XX/XXXX. There were XXXX transactions he made where he forgot to use his XXXX and they both triggered fraud alerts. The XXXX transactions were the {$250.00} on XXXX, and a denied {$280.00} payment on Zelle on XX/XX/XXXX. They locked my account and had me get a new debit card. This proves that he had access to my account to make transactions without my authorization. I did not know that these classified as fraud when submitting my initial claims to XXXX so I filed some incorrectly. I have filed an XXXX complaint already. I have attached the screenshots of me giving him my Bank account login, XXXX account login, Debit Card information, Address ; The Bank account login from a different device, The failed {$280.00} Zelle payment and The XXXX Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
XXXX XXXX acceptance repoed my vehicle with my personal items and have t contact me to resolve this, my clothes and other personal belongings was stolen out of my possession and they also contact someone to illegally stalk me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
AMEX XXXX XXXX {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashable LLC
State: TX

Complaint narrative:
As an employee for United States Postal Service this loan was taken out and shortly after I no longer was employed with the company. The rates were extremely increased other than what I was told. I tried to make payment arrangements instead a large amount of debt was added to the original loan amount. Yet no documentation on how this matter would be handled was given. This debt is completely unfair and I am kindly asking that it is removed upon my request. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A XXXX switch was returned to XXXX on XX/XX/XXXX under order number # XXXX worth {$210.00} and the total amount was supposed to be refunded to my credit card that I used to paid for but XXXX refuses to refund the money back to my credit card because they claimed that the refund was issued to a gift card that was never given to me or used by me so how is that even an acceptable excuse? Ask them to prove that I myself used that supposed gift card to see if they can prove it. I opened a claim with my bank Wells Fargo but they did not help either even thought I showed them the proof and shared the facts which is very disappointing for a bank I've been with for a file now that does not have their customers backs.

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 2025-02-28 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: Sentry Credit, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the claim of civil liability for negligence non-compliance under Section 16810 that has been attributed to me. 

For the following account : XXXX XXXX XXXX XXXX {$890.00} After a thorough review of the circumstances and the specific allegations, I believe that this claim is unfounded for the following reasons : 1. Lack of Evidence : There has been no substantial evidence provided that demonstrates my failure to comply with the required standards of care as stipulated under Section 16810. The documentation submitted does not adequately support the claim of negligence on my part.

2. Adherence to Standards : I have consistently adhered to the established protocols and standards relevant to my responsibilities. All actions taken were in accordance with the guidelines and best practices recognized within the industry. 

XXXX. Mitigating Circumstances : There were several mitigating circumstances that were beyond my control, which contributed to the situation in question. These factors should be considered when evaluating the claim of negligence. 

In light of the above points, I respectfully request that the claim of civil liability for negligence non-compliance under Section 16810 be re-evaluated and subsequently dismissed. I am willing to provide any additional information or documentation that may be required to support my position. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
My complaint is that TransUnion has failed to properly handle my dispute about inaccurate account information in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed a XXXX  account that contains factually incorrect information. The account shows inconsistent information across credit bureaus, which proves it can not be verified as accurate : The XXXX account opening date is reported as XX/XX/XXXX on TransUnion but XX/XX/XXXX on XXXX. 

The " last active date '' is reported as XX/XX/XXXX on TransUnion but XX/XX/XXXX on XXXX. 

The " last reported '' date is shown as XX/XX/XXXX on TransUnion but XX/XX/XXXX on XXXX. 

These significant discrepancies demonstrate that the information can not be verified as accurate. According to the FCRA Section 611, if the information can not be verified as accurate, it must be promptly deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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