vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: MS

Complaint narrative:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you el
iminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal TradeCommission. Cc State Regulatory Agency

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 2024-09-27 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: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ( XXXX XXXX ), ( XXXX XXXX ) XXXX XXXX XXXX XXXX ) has violated my rights I looked at my Experian credit report on XX/XX/year> 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 15 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CFPB Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of XXXX  that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these XXXX  were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never XXXX! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these XXXX  from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much XXXX. 

XXXX - This account violates 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This XXXX  should not be included in my credit or consumer report. I demand that you delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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 writing in reference to an account that is currently being reported by XXXXXXXX XXXX XXXX on my credit report, Account Number : [ Insert Account Number ]. I believe there are inaccuracies in the way this account is being reported, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am also making a formal request for a goodwill deletion of this account from my credit report. 

Dispute of Credit Report Inaccuracy Upon reviewing my credit report, I have identified the following inaccuracies with regard to this account : Inaccuracy # 1 : ( e.g., incorrect balance, inaccurate late payment report, incorrect closure date ) Inaccuracy # 2 : ( e.g., reporting of late payments after the account was closed or settled ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report accurate information to the credit bureaus. Specifically, under 1681s-2 ( a ) ( 1 ) ( B ), creditors and furnishers of information must correct any inaccuracies or errors that appear in a consumers credit report. I am requesting that you correct these errors immediately to comply with federal law.

Additionally, under 1681i, the credit reporting agencies must investigate disputes related to any incorrect information reported by a creditor, and I have initiated this process with them as well.

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 2024-09-27 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 am writing in reference to an account that is currently being reported by XXXX XXXXXXXX XXXX on my credit report, Account Number : [ Insert Account Number ]. I believe there are inaccuracies in the way this account is being reported, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am also making a formal request for a goodwill deletion of this account from my credit report.

Dispute of Credit Report Inaccuracy Upon reviewing my credit report, I have identified the following inaccuracies with regard to this account : Inaccuracy # 1 : ( e.g., incorrect balance, inaccurate late payment report, incorrect closure date ) Inaccuracy # 2 : ( e.g., reporting of late payments after the account was closed or settled ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report
accurate information to the credit bureaus. Specifically, under 1681s-2 ( a ) ( 1 ) ( B ), creditors and furnishers of information must correct any inaccuracies or errors that appear in a consumers credit report. I am requesting that you correct these errors immediately to comply with federal law.

Additionally, under 1681i, the credit reporting agencies must investigate disputes related to any incorrect information reported by a creditor, and I have initiated this process with them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
I am writing in reference to an account that is currently being reported by XXXX XXXX XXXX on my credit report, Account Number : [ Insert Account Number ]. I believe there are inaccuracies in the way this account is being reported, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am also making a formal request for a goodwill deletion of this account from my credit report. 

Dispute of Credit Report Inaccuracy Upon reviewing my credit report, I have identified the following inaccuracies with regard to this account : Inaccuracy # 1 : ( e.g., incorrect balance, inaccurate late payment report, incorrect closure date ) Inaccuracy # 2 : ( e.g., reporting of late payments after the account was closed or settled ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report accurate information to the credit bureaus. Specifically, under 1681s-2 ( a ) ( 1 ) ( B ), creditors and furnishers of information must correct any inaccuracies or errors that appear in a consumers credit report. I am requesting that you correct these errors immediately to comply with federal law. 

Additionally, under 1681i, the credit reporting agencies must investigate disputes related to any incorrect information reported by a creditor, and I have initiated this process with them as well.

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 2024-09-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My first loan payment was scheduled on XX/XX/XXXX with XXXX XXXX and I made the payment on XX/XX/XXXX but was not processed due to loan transferring. The loan was transferred to NEWREZ LLC. I contacted both companies and was told first my XXXX XXXX that I have to wait for the company to sort it out. So, on XX/XX/XXXX as shown in XXXX of the attachments here, a conversation with NEWREZ LLC Rep reported that I do not have any outstanding balance, and the next payment is due on XX/XX/XXXX. I tried to convince them through repeated calls about the issue before recoding this conversation several times, but no meaningful outcome. 

Recently on XX/XX/XXXX, The loan servicer sends a mail stating I did not pay my mortgage for XX/XX/XXXX even though I provided them with bank statement ( payment successful on XX/XX/XXXX as evident on the bank statement attached ), and a word of conversation from a representative of XXXX, my bank. This puts my mortgage on delinquency based on their report. I called several times, to request for explanation but always each time I get new person who will say something else very different from the other person. Fortunately, on XX/XX/XXXX, I get representative who made a case and put an escalation number with the hope that someone will call me to sort the issue out amicably. This is not fair to me considering the amount of time I have to spend in calling with no solution to the issue. I have to rest my case here with the hope that this agency shall stepped in to do justice for us.

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 2024-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Sunday XX/XX/year> I used XXXX for the first time through my Truist banking app. 
Immediately following I received an email from Truist stating : " Your XXXX payment is on hold. Head 's up, your payment is under review. '' email received XX/XX/year> at XXXX XXXX. I called Truist at XXXX ( XXXX mins after receiving e-mail. ) I explained that I called the recipient of the XXXX to verify and found out they were hacked and did not initiate the payment, I said this is a scam, I DO NOT authorize this transaction, the gentlemen assured me he would stop the transaction ( it was pending and on hold ). After spending 4-hours on and off of hold with Truist, he told me he did not know how to stop it. I figured it was a Sunday so I would go into my branch in the morning to stop the still on hold, pending transaction. 
The manager XXXX XXXX had me come into the branch, she did nothing to help me although the transaction was still pending, and I said it was a scam. I filled out a transaction dispute, but it was denied, without talking to me or asking any questions. I have the e-mail from Truist, my phone records showing me on the phone with Truist for hours on Sunday XX/XX/year>. They let the {$500.00} be sent anyway although I said it was fraud and I do not authorize.

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 2024-09-27 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: GA

Complaint narrative:
Received verification from XXXX XXXX that they no longer own the accounts reporting to my consumer report. CRA is reporting these accounts.

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 2024-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I ordered a vending machine on XX/XX/year> from a company called XXXX XXXXXXXX XXXX XXXX XXXX I submitted the order through the company 's website online. But the website wouldn't allow me to complete the payment directly through the website, instead it instructed me to pay for the item via XXXX. I called the number on the website to make sure the company was legit and spoke to ( XXXX XXXX XXXX ) a representative or the owner for the company. I sent over {$1900.00} via XXXX to the company but I never received the machine that I paid for. Instead I've been contacted by several other people to send more money to the company. 

Once I realized I had been scammed, I filed a claim with Wells Fargo and XXXX but neither one of the companies will help me get my money back from the scammer. 

I have text messages and emails to prove my case. I just want to be reimbursed and move forward. I also reported the scammer to the Internet Crime Complaint Center also.

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 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2024-09-27 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: PA

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated

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 2024-09-27 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: GA

Complaint narrative:
I am submitting a formal complaint against Equifax for failing to respond to two certified dispute letters regarding unauthorized inquiries and incorrect personal information on my credit report. Both letters were sent via certified mail and received by Equifax on the following dates : First Letter : Tracking number XXXX, received by Equifax on XX/XX/year>. 
Second Letter : Tracking number XXXX, received by Equifax on XX/XX/year>. 
Despite receiving both letters, Equifax has not responded or taken any corrective action. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate and correct inaccuracies within 30 days. Additionally, their inaction may be considered a violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531. 

I will be uploading the proof of certified mail and delivery to support this complaint. I request the CFPB 's intervention to ensure Equifax complies with its legal obligations and corrects these errors immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc.
State: IN

Complaint narrative:
I have tried to pay off my loan 3 times now over the past 2 weeks and every time they reverse my payments from my bank. I have sufficient funds in my banking account and I have contacted my bank to see if its being held up in their end and they have said there are no holds or issues. I do not understand what the hold up is, and my interest keeps accruing on my loan which is not fair if this is a problem on SSTs end. I have contacted SST ( Systems and Services technology ) several times and it is still being reversed back. 

I tried to pay {$11000.00} on XXXX and it was reversed on XX/XX/XXXX. Again on XX/XX/XXXX at {$11000.00} reversed on XX/XX/XXXX and then spoke to a rep on XX/XX/XXXX to pay {$11.00}, XXXX which reversed again on XX/XX/XXXX. Called them again on XX/XX/XXXX spoke to another rep who tried it again and this time received an email dated for XX/XX/XXXX that it reversed again!

Company response to consumer: Closed with explanation