vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : 1. Account Number : XXXX Creditor : XXXX  XXXX 2. Account Number : XXXX Creditor : XXXX  XXXX. Account XXXX : XXXX Creditor : XXXX 4. Account Number : XXXX Creditor : XXXX  XXXX 5. Account Number : XXXX Creditor : XXXX 6. Account Number : XXXX Creditor : XXXX  XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information. 
FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help

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 2024-10-25 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: NJ

Complaint narrative:
Upon checking my report I noticed a account i fo not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2024-10-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I've noticed that my credit score has taken a huge hit due to several fraudulent accounts being reported under my name. These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing. I've already filed a report with the FTC ( which is attached ), confirming that this is a case of identity theft.

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 2024-10-25 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:
This is XXXX XXXX. I submitted a dispute because I am a victim of identity theft, and I provided you with a notarized Identity Theft Affidavit. You claim your so-called " investigation '' was completed on XX/XX/year>, but I have yet to receive any transparency or satisfactory explanation. Let me be clear : I never applied for any XXXXXXXX XXXX which submitted notarized affavit stating that this isnt mines due to my identity being stolen. Your mishandling of this situation is unacceptable. I am demanding, within 5 days, the following : Full disclosure of every step and procedure you used to determine the " accuracy '' of the false information I disputed. All documentation related to your investigation, including interviews, evidence, and anything you used to make your decision. What is the name of the man or woman who verified the XXXX XXXX Account? If you are challenging my notarized affidavit, I expect Equifax to provide a notarized affidavit under penalty of perjury that specifies exactly who was interviewed and who verified your claim. Equifax If the name of the man or woman who verified this account is not furnished to me it proves that no man or woman has verified this account and this must be removed immediately from credit profile immediately. You have 5 days to provide this information to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
I was completely shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. Ive always checked my credit report regularly, but this time there were discrepancies that just appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but it didnt fix anything. The errors remained, and now Im asking that the documents Ive submitted be carefully reviewed so I can stop worrying about this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NJ

Complaint narrative:
Upon checking my report I noticed a account i fo not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2024-10-25 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: NJ

Complaint narrative:
Upon checking my report I noticed a account i fo not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My mortgage has two creditors. In XXXX of XXXX I was a victim of a domestic issue causing an issue with the mortgage payment. The other holder called Wells Fargo and got on a Forbearance Program for XXXX and XX/XX/XXXX. As the second holder I never received the terms and conditions of this program. Per Wells Fargo this is their process as long as one account holder calls the other does not need to be notified. In XXXX I requested from Wells Fargo acknowledging if I was late on my Mortgage during this forbearance period in their records and they did not answer and referred me to my credit bureau. I checked and I do not show late. At the time I was told that while you are on a forbearance program you are not recorded as late, thus not negative to my credit. We paid in XX/XX/XXXX and have been current since. 

Fast forward to XX/XX/XXXX. I am shopping for a better price on my homeowner 's insurance. I found a company that is cheaper by a couple hundred and I want to do payroll deductions with the hope of getting that discount. So, I am going to cancel my current insurance and go with a new company to save. I called Wells Fargo and requested that the Homeowners Insurance come off my escrow, so I do not pay twice. They said no that they can not " XXXX XXXX XXXX '' because I was late in XXXX and XXXX in XXXX. First, I never requested to close my Escrow, just remove the insurance. I tried two employees at Wells Fargo, and I failed to get someone to understand this. They said that when you go on a forbearance program, they still record you late. I asked them for the language in the forbearance terms that let the customer know how the program would negatively impact their credit. I was told it is not in there it is just the way it is, and that is it. 

It is unfair and deceptive for Wells Fargo to not disclose to all parties on an account or to notify anyone of the terms on how a forbearance will negatively impact their credit. This means that all the Wells Fargo clients in XXXX  who request Forbearance due to the hurricane are going to be negatively impacted on their credit, only to find out years later.

It is unfair that Wells Fargo will not let a client change their insurance provider without going through them. They charge an extra two months on the escrow, so you are giving them money they can earn on while you can not. I can save money on my insurance by paying myself and not have to pay extra. That money can go in a high interest savings and earn me money not Wells Fargo.

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 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I submitted a XXXX to cancel the debt for a car loan that I got with XXXX XXXX. I tried contacting customer relations to find out the contact information for the person or the party responsible for canceling debt, but when I spoke with XXXX she refused to provide me with her last name as well as the contact information for the person or party that I should be sending XXXX XXXX of the XXXX to. So I am still being charged every month although Ive made several attempts to cancel this debt and I havent been able to get a response even though Ive mailed my XXXX copy B to the company, but I dont have the correct name or address to send my copy to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Credit Management has reported false information about THREE alleged debts to at least two of the major credit reporting agencies ( i.e., XXXX XXXX XXXX ) -- see attachments. XXXX is falsely reporting itself as the " original creditor '' for each of these alleged debts. I have never incurred any debt with XXXX or transacted any business with them. I have no relationship whatsoever with XXXX. Therefore, they can not be the " original creditor '' in three alleged debts. I believe this is an attempt to re-age these alleged debts so that they remain on my credit reports longer than is permitted by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
After months of exhausting all avenues in an attempt to have Equifax remove inaccurate information from my credit report, the company has continuously disregarded my efforts, responding to each of my disputes with automated replies. Each dispute contained clear evidence of the inaccuracies, including proof that, for two accounts, the creditor failed to provide a copy of my signed agreement within the required 30-day period following my certified mail request. These creditors did not meet the legal deadline, and as a result, these accounts are being reported illegally on my credit profile. 

In light of the ongoing damage Equifax has caused by continuing to report inaccurate and illegal accounts on my credit profile, my lawyer and I have decided to proceed with a lawsuit against Equifax. 

Equifax has 5 days from the receipt of my lawyer 's certified mail to delete all inaccurate and illegal information from my credit report. 

Attached the Intent to sue letter sent by my lawyer, via certified mail to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-25 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: SD

Complaint narrative:
Recently, I reviewed a copy of my credit report and identified several inaccuracies. These discrepancies are negatively impacting my ability to obtain credit. I understand that credit bureaus are responsible for investigating accounts to ensure their accuracy. I kindly request that you verify the following account : Account Name : XXXX XXXX Account Number : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
After months of exhausting all avenues in an attempt to have Experian remove inaccurate information from my credit report, the company has continuously disregarded my efforts, responding to each of my disputes with automated replies. Each dispute contained clear evidence of the inaccuracies, including proof that, for two accounts, the creditor failed to provide a copy of my signed agreement within the required 30-day period following my certified mail request. These creditors did not meet the legal deadline, and as a result, these accounts are being reported illegally on my credit profile. 

In light of the ongoing damage Experian has caused by continuing to report inaccurate and illegal accounts on my credit profile, my lawyer and I have decided to proceed with a lawsuit against Experian. 

Experian has 5 days from the receipt of my lawyer 's certified mail to delete all inaccurate and illegal information from my credit 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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation