vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$380.00} charge-off with XXXX XXXX XXXX. 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 
If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$380.00} charge-off with XXXX XXXX XXXX. 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 
If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MO

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update my account.

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 2024-12-27 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:
Original loan made from XXXX was {$280.00} on XX/XX/XXXX, which was paid off in whole to XXXX XXXX on XX/XX/XXXX, but the information remains on Experian as a negative or unpaid/written off account that changed to {$350.00} with an unpaid amount of {$71.00}. The original amount remains {$280.00}, per the XXXX statement and the collection amount requested. This is a clear falsication of the facts and is an attempt to unnecessary harm my prospects for attaining good credit by punishing me for having the account go into collections. Have attempted to resolve with Experian and XXXX three previous time since XXXX and early XXXX, especially as Experian has now repeatedly refused to remove the account from my report despite having all the necessary information to do otherwise.

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 2024-12-27 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Ally Financial [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Dispute of Unauthorized Reporting to Credit Bureau To Whom It May Concern I am writing to formally dispute the reporting of my information to any credit bureau by Ally Financial. This action is not only unauthorized but also a blatant violation of my rights under the Fair Credit Reporting Act, specifically referencing 15 USC 1681a ( 4 ). 
It is imperative to understand that I have never granted permission to Ally Financial to report my information to any credit bureau. The lack of consent is clear, and your decision to proceed with such reporting is wholly unacceptable. This egregious action has not only harmed my credit profile but has also caused undue stress and complications in my financial dealings I demand that you take immediate action to rectify this situation. Specifically, I request that you delete any and all information regarding the alleged account from my credit profile. Failure to comply with this request will result in further action, including but not limited to, filing complaints with the Consumer Financial Protection Bureau and seeking legal recourse for violations of my rights I expect a prompt response confirming the deletion of this account from my credit report within 30 days. Should you choose to ignore this request, be aware that I will not hesitate to escalate this matter further This situation needs to be resolved immediately. I expect your cooperation in ensuring that my credit history is not tainted by your unauthorized actions Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( XXXX  ) ( XXXX ) XXXX -- XXXX ( XXXX  ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that appear to have been added without my authorization. I request their immediate removal as they are fraudulent.

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 2024-12-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Investigation of Inaccurate Credit Reporting Dear Sir/Madam, I am writing to formally dispute inaccuracies in my credit report as provided by Equifax. Upon reviewing the details of my credit report, I have identified several discrepancies related to an account listed under XXXX XXXXXXXX XXXX  XXXX. Below are the specific issues that require immediate attention : XXXX XXXX - " XXXX XXXX '' ** : The account is reported as " XXXX XXXX, '' yet it shows a balance of {$0.00}. This debt has been settled or paid, the status should indicate " Paid in Full '' or " Settled, '' and the " XXXX XXXX '' designation should be removed. 

**Remarks** : The account paid for less than full balance, paid credit card. '' This contradicts the {$0.00} balance and the " XXXX XXXX '' status, creating confusion about the account 's resolution. Clear documentation reflecting the true status should be provided. 

**Payment History** : The payment history indicates continuous " XXXX XXXX '' status for XXXX, XXXX, and XXXX despite a {$0.00} balance. This misrepresentation can adversely affect my credit score. The history should reflect the accurate resolution timeline without ongoing " XXXX XXXX '' reporting. 

**Dispute Flag** : The account is marked as under dispute. If this dispute has been resolved, the flag must be removed. If not, further investigation is warranted. 

**Steps to Address These Issues** : XXXX. I request a reinvestigation of this account and clarification regarding the discrepancies. 
I ask Equifax to correct the account status, payment history, and remarks to reflect accurate and updated information. 
If Equifax fails to address these inaccuracies, I will file a complaint with your office or another relevant authority. 

Please consider this letter a formal request for the investigation of the inaccuracies in my credit report. I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, thery are hurting my ability to obtain credit.

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XX/XX/year>, I have requested multiple times to obtain access into my online account at WellsFargo.com to receive information regarding my account balance and to make payments for my credit card. Each time I called, I provided ample information to the customer service reps to verify my identify and they claimed they could not do so either via standard questions or more advanced questions ( such as street names of old addresses, etc. ) I could not provide the account number as I did not have access to the physical copy of the credit card and they would not order another card without identity verification. I've never had issues with identity verification with any other vendor or bank. 

The Wells Fargo reps claimed that they could not provide any solutions or support unless id verification happened. My only other option was to go to a branch in person, but the nearest Wells Fargo branch was over XXXX miles away. Since I am XXXX there can be limitations that make doing so at the very least difficult if not down right near impossible. 
When a person is XXXX they have limitations on what they can endure and this is a system that has no reasonable accommodations for the XXXX that I can find. The Wells Fargo mobile app should be accessible to all, including the XXXX, and it's not. 

After a number of attempts to connect with a Wells Fargo rep over the phone to gain access to my account, the credit card was closed in XX/XX/year> and collection attempts began. I had paid this Wells Fargo card timely for over XXXX  years as my oldest line of credit and it was very dissapointed that Wells Fargo reported my account as being XXXX days late to credit reporting agencies despite the fact that I always had a desire to pay my debit on time. 

What is most interesting is that, despite not having my account number when calling in XX/XX/year>, Wells Fargo collections was able to verify my identity and take payment to settle my account within minutes. Why was the process so cumbersome and wrought with failure during previous attempts?

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 2024-12-27 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-27 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: UT

Complaint narrative:
On XX/XX/year>, I submitted a XXXXXXXX XXXX  XXXX ( XXXX ) request to Experian regarding disputed accounts on my credit report. This request was delivered to Experian on XX/XX/year>, as confirmed by certified mail return receipt. Despite receiving my request, Experian has failed to respond within the legally required timeframe of 15 days, as mandated under the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX ) ( XXXX ). 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In my XXXX request, I specifically asked Experian to provide : The method used to verify the disputed information. 
The documents or evidence relied upon during their verification process. 
Details of Experians internal investigation procedures. 
As of today, XX/XX/year>, I have received no response from Experian. Their failure to provide the required information constitutes a violation of FCRA XXXX ( a ) ( XXXX ). Moreover, their continued reporting of unverified information violates FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates the removal of unverifiable information. 

Impact on Me : XXXX noncompliance has caused : Financial harm : Inaccurate and unverified information remains on my credit report, lowering my credit score and limiting my ability to access financial products. 
Emotional distress : Experians inaction has created significant stress and frustration List of disputed accounts XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX 
XXXX blatant disregard for federal law has caused undue harm, and I respectfully request the XXXX  assistance in ensuring compliance and protecting my rights as a consumer. 

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 2024-12-27 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
Experian XXXX and XXXX are reporting a credit card account named XXXXXXXX XXXX. This account was opened fraudulently In my name I have disputed it and they have failed to proceed with a proper investigation

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 2024-12-27 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
Account name : XXXX XXXX XXXX Date Opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief