vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and XX/XX/XXXX ( 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 1

5 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 generallf, 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo was repeatedly been financially bullying me the past several years with different incidence of freezing my account after my SSDI check post, leaving me w/o funds for medication/food on extended bank holidays. Multiple occasions for purposely withdrawing more then the stated amount when paying bills with creditors and companies leaving the account falling into the negative. Denying the right to cash a check a two different locations, one took place twice from the same branch manager, at different times within the same calendar year : purposefully embarrassed and antagonized at the bank in front of other patrons. Blatantly charging overdraft fees in factors by the dozens at once when there was money in the account. Allowing the XXXX XXXX XXXX to charge my account multiple times when the account card ach was never submitted for holding. Allowing these I have repeated and reported for investigation internally but never have been followed up with the outcome.

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 2024-11-29 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-11-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX AWAY XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted an application for a credit card on XX/XX/year> with capital one I received a credit inquiry from XXXX XXXX when I called Capital One to discuss my credit application. after almost 30 days and several calls to Capital One They mentioned to me that there was no such an application that I needed to resubmit the application again. On XX/XX/year> I submitted another application that was approved. I contacted XXXX XXXX as I received another hard inquiry on my credit. The flag the XXXX XXXX inquiry form XX/XX/XXXX and told me to contact capital one back to ask them to remove the previous inquiry as there was no application for me from XX/XX/XXXX. They refuse to do anything for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccuracies and incomplete information reported on my credit report. After obtaining a copy of my credit report, I have identified several errors that constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 15 USC 1681e ( b ) : The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. The inaccuracies I have identified clearly indicate a failure to comply with this standard.

15 USC 1681s-2 ( a ) and ( b ) : These provisions outline the responsibilities of furnishers of information to provide accurate and complete information and to conduct investigations into disputed accounts.

15 USC 1681i ( a ) ( 1 ) : Consumer reporting agencies must reinvestigate disputed information within a reasonable period, yet these errors remain unresolved. 
The items I am disputing are as follows : Late Payments 30+ Days : of late payments that are either inaccurate or incomplete.

Late Payments 60+ Days : of late payments that are either inaccurate or incomplete.

Additionally, Derogatory Public Records I demand the removal of any accounts that contain incomplete, inaccurate, or unverifiable information from my credit report.

Failure to comply with these provisions carries serious consequences under 15 USC 1681n, which provides for civil liability for willful noncompliance, and 15 USC 1681o, which addresses negligence in failing to comply. 

I demand that these inaccuracies and derogatory entries be investigated and deleted from my credit report immediately. Additionally, I request a copy of my updated credit report reflecting these changes. 

Please consider this letter my formal dispute. I expect you to resolve this matter promptly and in compliance with federal law. If these inaccuracies are not corrected, I am prepared to pursue all remedies available to me under the FCRA, including legal action. 

For your convenience, I have attached a copy of my credit report with the disputed accounts and items highlighted. I have also enclosed a copy of my government-issued ID and proof of address to expedite your investigation. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the investigation timeline. 

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 2024-11-30 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: IL

Complaint narrative:
I am writing to formally dispute inaccuracies and incomplete information reported on my credit report. After obtaining a copy of my credit report, I have identified several errors that constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 15 USC 1681e ( b ) : The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. The inaccuracies I have identified clearly indicate a failure to comply with this standard.

15 USC 1681s-2 ( a ) and ( b ) : These provisions outline the responsibilities of furnishers of information to provide accurate and complete information and to conduct investigations into disputed accounts.

15 USC 1681i ( a ) ( 1 ) : Consumer reporting agencies must reinvestigate disputed information within a reasonable period, yet these errors remain unresolved.

The items I am disputing are as follows : Late Payments 30+ Days : of late payments that are either inaccurate or incomplete.

Late Payments 60+ Days : of late payments that are either inaccurate or incomplete.

Additionally, Derogatory Public Records I demand the removal of any accounts that contain incomplete, inaccurate, or unverifiable information from my credit report. 

Failure to comply with these provisions carries serious consequences under 15 USC 1681n, which provides for civil liability for willful noncompliance, and 15 USC 1681o, which addresses negligence in failing to comply. 

I demand that these inaccuracies and derogatory entries be investigated and deleted from my credit report immediately. Additionally, I request a copy of my updated credit report reflecting these changes. 

Please consider this letter my formal dispute. I expect you to resolve this matter promptly and in compliance with federal law. If these inaccuracies are not corrected, I am prepared to pursue all remedies available to me under the FCRA, including legal action. 

For your convenience, I have attached a copy of my credit report with the disputed accounts and items highlighted. I have also enclosed a copy of my government-issued ID and proof of address to expedite your investigation. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the investigation timeline. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
I am disputing a debt collection notice from Hunter Warfield. The debt is not mine, and I have no record of it. I have requested verification, but have not received proof that this debt is associated with me. I believe this debt is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i notice on my credit report that XXXX is reporting late payments on accounts that was never late and my payment schedule and receipts of 100 % of on tome payments are attached please correct and remove any late payments associated with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
i notice on my credit report that XXXX is reporting late payments on accounts that was never late and my payment schedule and receipts of 100 % of on tome payments are attached please correct and remove any late payments associated with 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 2024-11-29 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: FL

Complaint narrative:
I have been attempting to resolve issues with the three major credit bureausXXXX, TransUnion, and XXXX over 3 years. During this time, they have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to update or correct information on my credit report. Despite providing the required documentation, including identification and other requested documents, they have repeatedly failed to process my information properly. 

Instead of resolving these issues, the credit bureaus have sent multiple letters containing stall tactics and excuses for not addressing the situation. I have complied with their requests and sent the necessary documents numerous times, but my efforts have not led to any meaningful resolution. 

Given the ongoing failure of the credit bureaus to follow the law and rectify the errors, I am left with no other option but to contact the Attorney Generals office to file a formal complaint and seek further action to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I have been attempting to resolve issues with the three major credit bureausXXXX, XXXX, and Equifaxfor over 3 years. During this time, they have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to update or correct information on my credit report. Despite providing the required documentation, including identification and other requested documents, they have repeatedly failed to process my information properly. 

Instead of resolving these issues, the credit bureaus have sent multiple letters containing stall tactics and excuses for not addressing the situation. I have complied with their requests and sent the necessary documents numerous times, but my efforts have not led to any meaningful resolution. 

Given the ongoing failure of the credit bureaus to follow the law and rectify the errors, I am left with no other option but to contact the Attorney Generals office to file a formal complaint and seek further action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2024-11-30 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 late payment reporting by XXXX XXXX to credit bureaus is unfair and inaccurate under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings on the need for fairness, accuracy, and respect for consumer privacy in credit reporting. Heres how : Inaccuracy Undermines the Banking System : Section 1681 ( a ) ( 1 ) emphasizes that the banking system depends on accurate credit reporting. XXXX XXXX reporting of a late payment, if inaccurate or disputable, compromises the reliability of the banking and credit system and unfairly harms me as a consumer. 
Unfair Practices in Reporting : Section 1681 ( a ) ( 4 ) obligates creditors and credit reporting agencies to handle information with fairness and respect for the consumer 's right to privacy. XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my compliance with applicable consumer protection laws or a misunderstanding that could have been resolved before reporting. 
Breach of Responsibility to Ensure Accuracy : Section 1681 ( b ) requires consumer reporting systems to operate fairly, equitably, and accurately while protecting confidentiality. XXXX XXXX late payment reporting fails to meet this standard, introducing errors into my credit file that unfairly damage my reputation and creditworthiness. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : Under 15 U.S.C. 1666b, creditors may not treat payments on open-end credit plans as late if received by XXXX XXXX. on the due date and in the correct amount and format. If XXXX XXXX reported my payment as late despite compliance with these conditions, it constitutes a direct violation of this rule, further highlighting the unfairness of their reporting. 
Request for Resolution To address this issue and restore fairness, I request that XXXX XXXX : Immediately remove the late payment entry from my credit report. 
Inform all relevant credit reporting agencies of this correction to ensure that my credit history is accurately reflected. 
This resolution is necessary to uphold the principles of accuracy, fairness, and consumer protection enshrined in the Fair Credit Reporting Act and the Truth in Lending 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 2024-11-30 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: TX

Complaint narrative:
The late payment reporting by XXXX XXXX to credit bureaus is unfair and inaccurate under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings on the need for fairness, accuracy, and respect for consumer privacy in credit reporting. Heres how : Inaccuracy Undermines the Banking System : Section 1681 ( a ) ( 1 ) emphasizes that the banking system depends on accurate credit reporting. XXXX XXXX reporting of a late payment, if inaccurate or disputable, compromises the reliability of the banking and credit system and unfairly harms me as a consumer. 
Unfair Practices in Reporting : Section 1681 ( a ) ( 4 ) obligates creditors and credit reporting agencies to handle information with fairness and respect for the consumer 's right to privacy. XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my compliance with applicable consumer protection laws or a misunderstanding that could have been resolved before reporting. 
Breach of Responsibility to Ensure Accuracy : Section 1681 ( b ) requires consumer reporting systems to operate fairly, equitably, and accurately while protecting confidentiality. XXXX XXXX late payment reporting fails to meet this standard, introducing errors into my credit file that unfairly damage my reputation and creditworthiness. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : Under 15 U.S.C. 1666b, creditors may not treat payments on open-end credit plans as late if received by XXXX XXXX. on the due date and in the correct amount and format. If XXXX XXXX reported my payment as late despite compliance with these conditions, it constitutes a direct violation of this rule, further highlighting the unfairness of their reporting. 
Request for Resolution To address this issue and restore fairness, I request that XXXX XXXX : Immediately remove the late payment entry from my credit report. 
Inform all relevant credit reporting agencies of this correction to ensure that my credit history is accurately reflected. 
This resolution is necessary to uphold the principles of accuracy, fairness, and consumer protection enshrined in the Fair Credit Reporting Act and the Truth in Lending 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 explanation
Consumer complaint received 2024-11-29 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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