vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding The XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit.

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for The XXXX XXXX Credit card ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with The XXXX XXXX Credit card ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XXXX a collection account by the name of MIDLAND CREDIT MANAGEMENT was placed on my credit report in the amount of {$990.00}. The original creditor is XXXX XXXX XXXX XXXX  XXXX. By law, once an account has been sold to a third party, I am not responsible for the debt. Please have them send me the original contract with my wet signature agreeing to pay and validates the debt. Please remove and delete this account from my Credit Report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i have been disputing with the CRA since XXXX XXXX about the old and inaccurate accounts reporting on my credit report, i have some of the accounts FROM EQUIFAX below that are old and pass the 3 years Statue of Limitations for XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by Portfolio Recovery. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by Portfolio Recovery several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that Portfolio Recovery sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning Portfolio Recovery and XXXX XXXX. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and XXXX XXXX. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, Rausch Sturm LLP. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and Rausch Sturm. 


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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding The XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit.

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for The XXXX XXXX Credit card ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with The XXXX XXXX Credit card ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account 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

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I don't have dates at the moment, but I have definitely had problems with Wells Fargo 's surprising overdraft fees. On numerous occasions. I've been with this bank for over 30 years now.

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 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: AE

Complaint narrative:
I recently received a notice that I ower XXXX to first collections services for a debt to XXXX XXXX. I called and they say it is for an electric bill for a residence in XXXX, MI. We have never had a residence in Michigan. The debt is not ours. We were told to file a police report. I am XXXX XXXX military getting ready to XXXX tomorrow and I am stationed overseas so I only have access to on base police. I will file a report once I am back from XXXX but I would like this removed from my credit reports now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called Equifax first since I saw on XXXX that they were in trouble for coding errors. Equifax stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.

Company response to consumer: Closed with explanation