vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Re : Formal Dispute of Account Balance - AMEX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by American Express ( AMEX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, AMEX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by AMEX is misleading and inaccurate. 

Furthermore, I have noted that AMEX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of AMEX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : XXXX. Documentation proving the accuracy of the amount claimed. 
XXXX. A detailed explanation of why AMEX is reporting a balance despite the account being charged off. 
3. Proof of XXXX XXXX XXXX XXXXgal authority to collect this debt. 

If AMEX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : XXXX. AMEX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments. 
XXXX. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NV

Complaint narrative:
I went to a atm to withdrawal money the atm told me there was a error and I couldnt withdraw funds the funds still left my bank account and the bank is refusing to issue a refund as they are saying I have to money from the atm the amount was XXXX dollars I pulled XXXX prior to this attempt the XXXX was successful the XXXX said I had reach my withdrawal limit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 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: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
On XX/XX/year> I initiated a transfer of {$55000.00} from my IRA account at XXXX IRA ( XXXXXXXX XXXX ) to my home equity line of credit at my bank, M & T Bank. I used the wiring instructions published on M & T Banks website for domestic wire transfers of funds. 

XXXX IRA wired the funds on XX/XX/year>. M & T Bank claims that they rejected the wire and returned it to XXXX IRA on XX/XX/year>. XXXX IRA claims the funds have not been returned. XXXX IRA also will not identify the bank that performs their fund transfers on their behalf. 

So my funds have disappeared. I have been back and forth with M & T Bank and with XXXX IRA, and neither institution will talk to the other. Neither will own up to having my funds. So Ive lost over {$55000.00} and neither institution will tell me where my funds are.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint to express my frustration and dissatisfaction with Experian 's processes, which have made it virtually impossible for me to unfreeze my credit and access my credit information. These barriers are preventing me from obtaining new credit and have created undue stress and inconvenience. Here are the issues I have faced : 1. A
utomated Phone System Issues : I have called Experians customer service multiple times, but the automated system consistently states that only certain issues can be transferred to a live agent. None of the options I try allow me to speak to an agent.

2. Website Blockages : I attempted to resolve the issue online, but the Experian website redirects me to a page requiring me to order my credit report ( for free ). However, because my credit is frozen, I can not complete the process, and I am directed to call the same unhelpful phone number. 

3. Unhelpful PIN Recovery Process : I tried using Experian 's automated system to request a new PIN for my credit freeze. This process sent me a link to the same website where I am again unable to bypass the " order your credit report '' screen.

Experian has created a system that is unnecessarily difficult to navigate and prevents me from accessing my credit information. This has caused a delay in my ability to secure new credit, which is essential for my financial needs.

Experians behavior appears to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide reasonable access to consumer credit information. If this matter is not resolved promptly, I am prepared to consult legal counsel to explore filing a class-action lawsuit on behalf of consumers who have faced similar challenges.

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 2024-11-20 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX there are XXXX HARD INQUIRIES for account that dont belong to me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX removed it after their investigation. 

JPMCB OF XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
On Transunion there are XXXX HARD INQUIRIES for account that dont belong to me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX removed it after their investigation. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> 2023

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 2024-11-20 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: DISCOVER BANK
State: MI

Complaint narrative:
On XXXX there are XXXX HARD INQUIRIES for account that dont belong to me. 

Discover Home Equity XX/XX/XXXX XXXX XXXX and XXXX removed it after their investigation. 

XXXXXXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-20 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these hard inquiries don't belong to me hasn't being authorized by me and has to be removed also this as well thanks XXXX  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 2024-11-20 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: GA

Complaint narrative:
My credit report shows late payments that seem incorrect given my payment habits. Kindly review and fix these errors.

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 2024-11-20 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 

The following incorrect addresses are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX  CA XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX My actual and current address is as follows : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the 30-day timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
Subject : Request for Removal of Inaccurate Charge-Offs Dear Sir/Madam, I am writing to formally request your assistance in removing inaccurate charge-offs from my credit report. I have noticed that there are reoccurring charge-offs listed, which I believe to be erroneous. The details of the accounts in question are as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Dates of Charge-Off : XXXX XXXX and XXXX XXXX -Action by Company : Sold my information and debt to collections without my acknowledgment and consent. 

These charge-offs have been reported multiple times inaccurately, and I believe this is affecting my credit report unfairly. I have already contacted the credit bureaus and the creditors involved, but the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in correcting my credit report by removing these inaccurate reoccurrences. Enclosed are copies of my credit report highlighting the discrepancies, as well as any correspondence I have had with the credit bureaus and creditors. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$25000.00}

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 2024-11-20 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: MD

Complaint narrative:
I received a letter ( attached ) stating they were adding some INACCURATE/ FRAUDULENT social security number XXXX to MY credit report! This is not my information at all.

Company response to consumer: Closed with non-monetary relief