vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX FLXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within XXXX  days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - XXXXXXXX XXXX XXXX : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX  Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, 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 2024-06-24 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: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have the claims with Bank of America due to being a victim of identity theft and my benefits being unauthorized and fraudulently used, despite me sending a Identity theft report from the Federal trade commission, A police report, a copy of my government ID, Bank of America has not refunded these unauthorized charges, even after I sent them via fax all documents proving I was a victim of identity theft and that my benefits were stolen. 
XXXX XXXX XXXX If the policy is ( Bank of America 's {$0.00} Liability Guarantee policy ) ensures that customers are not held responsible for any fraudulent transactions made with their Bank of America credit or debit cards. This policy is designed to protect customers from unauthorized transactions and provides assurance Why am I being held responsible for unauthorized and fraudulent charges? 


I asked for documents supporting why they denied my claim and did not reimburse me and all they sent was another letter stating that my claim was denied, no information why

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Midland credit management This company can not give my the accutal Payment sheet of all payment that I supposed to owe. 

Or verify the account with my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
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.

15 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 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 2024-06-24 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:
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.

15 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 non-monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated my rights. 15 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) was hacked via XXXX browser redirect fraud resulting in ransomware by individual threatening financial/identity theft unless XXXX provided XXXX XXXX ; one disbursement demand to be sent as $ XXXX ( $ XXXX {$50.00} bills ) via UPS to XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX mailed $ XXXX @ XXXX via The UPS Store # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, tracking # XXXXXXXX XXXX # XXXX, XX/XX/XXXX. XXXX XXXX proceeded to withdraw uncharacteristically large amounts from his Wells Fargo accounts and visitetd two neighboring branches within the same hour on XX/XX/XXXX resulting in two {$20.00}, ooo.oo transaction in smaller bills and one {$25.00}, ooo.oo wire transfer ; NO questions and NO due diligence was compelted with any teller at either bank. Only on XX/XX/XXXX, when a family member found out about the extortion/fraud, and alerted Wells fargo to all three transactions that went unnoticed. There was a failure to the client and Wells fargo assisted in this elder crime by omission of ANY due diligence. WE WOULD LIKE THE NAME OF THIS INDIVIDUAL BE REDACTED FOR HIS SAFETY. He acted out of fear of reprisal and we are going forward with court proceedings.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NM

Complaint narrative:
My Identity was used to rent an apartment in TX. I have owned my home in XXXX NM for 10 years. As a result XX/XX/year> a collection reported on my credit report from Procollect , Inc for {$2900.00} from an apartment I found to be in TX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived here, this is fraud and I tried to contact the ProCollect since XX/XX/year> to resolve and requested " validation of debt '' they were no help and called me a liar, suggested they never received my email with Police Report information. I also sent all correspondence certified mail for the fraudulently opened account and they did nothing about it. I have spoke to several different " account managers '' from ProCollect and they are extremely rude and refuse to provide validation of debt, instead they are calling me a liar and requesting I send the Police report for a 4th time now. I have no problem paying my debts but I refuse to pay for an account that is not mine. They even said XXXX was the primary on the account. I did not give permission to XXXX or anyone for that matter to use my identity. I have never had any collection accounts on my credit file in my 75 years of life. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC, a complaint with TX Attorney General. Almost a year of trying to resolve 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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-24 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: AZ

Complaint narrative:
XXXX XXXX Date : XXXX Last Four : XXXX XXXX, Equifax, XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, invasive and more importantly violations of my rights as a law-abiding citizen on the Federal Level . In Regards to the named accounts below : Collections Accounts : XXXX XXXX  Acct ( # XXXX ) {$490.00} Charge OFF : neither company provide a 1099 for any of these so called debt XXXX  Acct : ( XXXX ) {$1100.00} XXXX  XXXX Acct : ( XXXX ) {$2300.00} XXXX XXXX XXXX XXXX Acct : ( XXXX XXXX XXXX {$4500.00} XXXX XXXX Acct : ( XXXX ) {$5500.00} XXXX XXXX XXXX. 

Firstly, I would like to draw your attention to 15 US code 1681 A, B and 42 USC Sec. 48, which expressly state that I never provided verbal or written consent to ANYONE or ANY Agency to furnish my information or allow anyone else to obtain my information. Therefore, any information obtained without my consent is in violation of federal regulations. Additionally, I would like to reference 15 US code 1692 and 15 US code 1666B, which address abusive collections practices in which you continuously aide these collection agencies and financial institutions in these egregious practices that violate my Rights. I believe that the late payments and inaccuracies reported on my credit report are not only misleading but also preventing me from accessing funding to secure my family that I am entitled to as a responsible borrower.

Furthermore, if I am indeed the original creditor per consumer law, it is important to note that it is against the law to transfer any contract, as stated in 15 US 1692a ( 4 ) and Sec 1692e # 6 A and B. Any transfer of my contract without my knowledge or consent would be a violation of my rights. As you have continued to aide these companies in these practices, according to 18 US Code 1028A this is Aggravated Identity Theft because you share and use my personal information for credit reporting without my written or verbal permission.

I kindly request that you immediately remove these negative accounts and take appropriate action to rectify the inaccuracies and Federal Violations on my credit report. I also request that you immediately update my report and remove any negative reports within the legally required timeframe, as outlined in the Fair Credit Reporting Act. Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Control, LLC
State: CA

Complaint narrative:
I recently received a debt collection request from XXXX  XXXX XXXX XXXX  XXXX account credit control for {$2400.00}. I did not open this account and i don't live or have ever lived in that address. Please remove from my name, cancel this fraud card and please remove from my credit report and stop the harassments i keep receiving via phone calls and emails. When is this going to stop. i have my personal information blocked with all XXXX  credit agencies why or how does this continue.

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 2024-06-24 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: NC

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. 
My request to correct this information keeps getting disregarded and my XXXX XXXX is unfairly affected

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-24 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: NC

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. 
My request to correct this information keeps getting disregarded and my credit score is unfairly affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX XXXX accurate on my credit report and XXXX 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I previously disputed a XXXX  XXXX bankruptcy discharge item on my credit file with Equifax. In response, they verified the item as accurate, claiming that they had confirmed the information with the court. However, upon contacting the court directly, I received the enclosed response stating that they do not report to Equifax or any credit bureau. This reveals that Equifax 's initial response verifying the item with the court was either an error or a misrepresentation. 

Equifax 's reporting practices fail to comply with FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed items. If the information can not be verified, it must be promptly deleted from the consumer 's file. 

The court has confirmed that they do not report this bankruptcy information to Equifax. Therefore, the bankruptcy item on my credit report is unverifiable and must be removed immediately in accordance with the FCRA. Equifax 's failure to remove this inaccurate information constitutes a violation of my rights as a consumer. 

I am requesting that the CFPB investigate Equifax 's non-compliance with the FCRA and take appropriate action to enforce the law. Equifax must be compelled to delete the inaccurate XXXX  XXXX bankruptcy discharge from my credit file without further delay to ensure compliance with the FCRA and to prevent any further harm to my creditworthiness. 

Thank you for your attention to this matter. I trust that the CFPB will promptly investigate my complaint and take necessary measures to protect my consumer rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
The account is in the name of the trust. The owner died XXXX XX/XX/year> and I am the successor trustee. The current trustee. I have been trying to get control of the account since XXXX and it seems that there is a problem with legal review that the legal team at PNC is unable to resolve. The local representative has been responsive and resubmits paper, death certificates, to legal for review. What does the legal team need to turn over control of the account to the current trustee? It is now XXXX, 2 months later.

Company response to consumer: Closed with explanation