vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
FICO, XXXX, and Equifax have not update my records appropriately. I have hard inquiries and debts reflecting in the records of these companies that have been settled and were supposed to be removed from all records reported. There are auto loan inquiries from about XXXX years ago and debts that were settled from even prior that are still on record in these companies and their false reports are damaging my credit XXXX point. 


I contacted each company on record myself when I cleared my XXXX account in 2022. Each derogatory mark and hard inquiry was removed that was reported on my account. My credit score was above XXXX when the investigation concluded. I recently checked my FICO, XXXX, and Equifax accounts and they still have not updated their records for the passed two year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
FICO, Experian, and XXXX have not update my records appropriately. I have hard inquiries and debts reflecting in the records of these companies that have been settled and were supposed to be removed from all records reported. There are auto loan inquiries from about XXXX  years ago and debts that were settled from even prior that are still on record in these companies and their false reports are damaging my credit XXXX point. 


I contacted each company on record myself when I cleared my XXXX account in 2022. Each derogatory mark and hard inquiry was removed that was reported on my account. My XXXX XXXX was above XXXX when the investigation concluded. I recently checked my FICO, Experian, and XXXX accounts and they still have not updated their records for the passed two year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX reference XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
An unknown recipient called me and coerced me into paying for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: OH

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: DISCOVER BANK
State: WA

Complaint narrative:
I disputed a derogatory charge on my credit showing a {$10.00} delinquent payment on my Discover card. I reported this as fraudulent. They came back and called it valid and will not update my credit report. It's damaging to me as a consumer as it has hurt my credit store, and it's akin to a junk fee in the low amount. To have my credit score suffer for an inaccurately reported {$10.00} late payment is unfair. I even paid the {$10.00} to try to get rid of the negative data on my credit. I don't care about the money, but my score is now suffering over this fraudulent {$10.00} delinquency report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: WA

Complaint narrative:
I disputed a derogatory charge on my credit showing a {$10.00} delinquent payment on my XXXX XXXX. I reported this as fraudulent. They came back and called it valid and will not update my credit report. It's damaging to me as a consumer as it has hurt my credit store, and it's akin to a junk fee in the low amount. To have my credit score suffer for an inaccurately reported {$10.00} late payment is unfair. I even paid the {$10.00} to try to get rid of the negative data on my credit. I don't care about the money, but my score is now suffering over this fraudulent {$10.00} delinquency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: KS

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent 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 explanation
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon examining my credit report, I noticed the inclusion of several accounts that are currently subject to ongoing litigation. Given that these legal matters are still unresolved, their presence on my report is unduly impacting my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: AR

Complaint narrative:
Subject : Complaint against XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX regarding their handling of my debt validation request and potential violations of consumer protection laws. 
On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX disputing an alleged debt ( Account XXXX XXXX ) and requesting detailed validation as required by law. On XX/XX/XXXX, I received a response from XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX  XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ).

Undue Burden on Consumer : XXXX XXXX 's response requires me to visit a branch location to obtain copies of loan documents, placing an unreasonable burden on me to validate the debt they claim I owe. 

Lack of Clarity on Legal Obligations : The response does not clarify whether XXXX XXXX considers itself subject to the Fair Debt Collection Practices Act ( FDCPA ) or not, potentially misleading consumers about their rights and the company 's responsibilities. 

Incomplete Information : The response does not provide any details about the alleged debt, such as the outstanding balance or the original loan terms. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: AR

Complaint narrative:
Subject : Complaint against XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX regarding their handling of my debt validation request and potential violations of consumer protection laws. 
On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX disputing an alleged debt ( Account XXXX XXXX ) and requesting detailed validation as required by law. On XX/XX/XXXX, I received a response from XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX  XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ).

Undue Burden on Consumer : XXXX XXXX 's response requires me to visit a branch location to obtain copies of loan documents, placing an unreasonable burden on me to validate the debt they claim I owe. 

Lack of Clarity on Legal Obligations : The response does not clarify whether XXXX XXXX considers itself subject to the Fair Debt Collection Practices Act ( FDCPA ) or not, potentially misleading consumers about their rights and the company 's responsibilities. 

Incomplete Information : The response does not provide any details about the alleged debt, such as the outstanding balance or the original loan terms. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to 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 2024-11-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
XXXX fraudulently opened a prime account and charged me for XXXX  years without my consent or knowledge. I contacted direct express immediately upon the discovery of the charges from XX/XX/XXXX to XX/XX/XXXX. XXXX fraudulently opened a prime account in my name using my bank card and charge me monthly. Direct express told me to deal with XXXX directly as the payment amount totaled over {$500.00}. I have fought with XXXX for XXXX years, trying to get a refund, which they agreed upon in XX/XX/XXXX up until the present time I have yet to receive my refund. So I went back to direct express and was told I had to file a dispute within XXXX  days which I tried to, but was directed back to XXXX to deal with. So I have upon proving that the charges were fraudulent and were made over the course of XXXX years and there were extenuating circumstances as to why the dispute was not made at the direct express within the 120 day period. I was denied my claim XXXX times they said it was because of the time window of XXXX  days. I called them immediately upon the discovery and was told to go and deal with XXXX who after XXXX years told me to deal with direct express who after months of fighting have now refused my claim so nobody has paid me the {$500.00} and changed that I am owed for XXXX years of charges that were fraudulently made against my direct express account. I proved extenuating circumstances my partner has been in and out of the hospital since XXXX and was in a terrible car accident in XXXX and I have been with her in and out of the hospital dozens of times and provided all of the claim paperwork. All of the charges were found in my statements and shown to be deducted from the account monthly, everything that the XXXX department needed was explained, proven and provided, including the extenuating circumstances of why the 120 day period has been lapsed. I have not received a refund from either company nor have I received any satisfactory conclusion or answers as to why I am not receiving my money back I would like my refund of {$500.00} from someone prefer preferably direct express as XXXX is now being sued by the FTC for this exact issue with millions of customers Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XXXX I discovered that my identity had been stolen and that fraud had been committed in my name with the AMERICAN EXPRESS identity card, someone obtained a {$6000.00} card with my name on it, from that moment on I began to communicate with them about what was happening, but AMERICAN EXPRESS now tells me that I have to pay the debt because payments have been made from a XXXX account, but I have never had accounts at XXXX, and they won't show me what the investigation shows, I myself went to a XXXX branch to confirm that I do not have accounts with XXXX, but American Express won't give me a solution, they are wrong but I want them to show me the payments that were made because I never requested or made payments to American Express.I ask for your cooperation because I have already tried to dispute with the credit bureaus and I thought it was resolved, but today I received this letter from AMERICAN EXPRESS and I feel that they only want me to pay something that I never requested.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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