vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 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: LA

Complaint narrative:
To whom it may concern : Account name : XXXX  account number XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. Per the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

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 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is filed against the 3 credit reporting agencies of TransUnion, XXXX, and XXXX for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX under account number XXXX.Said improper reporting incorrect or invalid information violates the FCRA and due process of federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both TransUnion and XXXX are reporting the high balance on this account as XXXX. Contrary, XXXX is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both TransUnion and XXXX are reporting date of last activity as XXXX. Contrary XXXX is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both XXXX and XXXX reports are void or missing Date opened. XXXX. Also, both TransUnion and XXXX are reporting date of last payment as XXXX. Contrary, XXXX is reporting Date of last payment as XXXX. Both dates can't be correct. XXXX. Also, both XXXX and XXXX are reporting completely different payment history as to days late on two year payment history calendar. XXXX reports 30 days late in XXXX of 2021 and XXXX reports 60 days late in XXXX of 2021. XXXX again reports 60 day late in XXXX of XXXX  and XXXX reports 90 days late in XXXX of XXXX. Then XXXX reports 90 days late in XXXX of XXXX and XXXX reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then XXXX report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments XXXX says the consumer has XXXX 90 days late compared to XXXX reporting the consumer had XXXX 90  days late. Both differ and both can't be correct. A copy of the XXXX XXXX XXXX 3 bureau report is included in this complaint for review so all errors can be seen.

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 2023-06-18 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: LA

Complaint narrative:
I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXXXXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. 
While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT Experian XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX  XXXX XXXX ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA Experian & XXXX TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA XXXX and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX  AND FTC IN REGARDS TO THE CONSTANT NEGLECT-ION OF MY DISPUTES

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 2023-06-18 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX bank Account Number : 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 non-monetary relief
Consumer complaint received 2023-06-18 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: GA

Complaint narrative:
I received my credit report on ( Date ) and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I have already reached out the the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that do not have any purpose to be on my credit report.

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 2023-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Account date open : XXXX Account name AWA COLLECTIONS Account number XXXX Balance : {$5.00}, XXXX Original balance : {$4300.00} No knowledge of this debt, no valid contracts with lender, has impacted my credit negatively thisnwas also during then time I had fraud alerts due to idenitty theft so account should have no been opone with out credit application being verify with proper identity theft alerts process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.

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 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: INDEPENDENT BANK GROUP, INC.
State: CO

Complaint narrative:
this is in regards to my last complaint. 

XXXX I understand they wont cover the fraud. But, their employee told me over the phone that the check cleared and to proceed. they should cover their mistake, imo.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent Equifax a letter requesting to remove the credit freeze placed on my credit report. I have also called in to Equifax requesting the online account credit freeze option be resolved as it currently states that it is unable to retrieve the status of my credit report freeze status. I was given a case number # XXXX for the online account issue. It has been over 90 days and Equifax has not removed the credit freeze on my credit report nor have they resolved my online account issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: PA

Complaint narrative:
I submitted disputes for 3 Creditors : Original creditor : XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Not only was I not provided the status of this dispute but I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I am requesting for these items to be removed from my report immediately! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: PA

Complaint narrative:
I submitted disputes for 3 Creditors : Original creditor : XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Not only was I not provided the status of this dispute but I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I am requesting for these items to be removed from my report immediately! 
Thank you

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I don't know why this is showing up on my report. I was offered a line of credit when I was considering dental work years ago but never signed up for anything. This is fraudulent. I did not receive any correspondence about this, never used credit care so why is it even on my report? I don't know anything about this account and I need to be deleted from my credit report. 

Also the report shows current on payments .... I have never made a single payment to this company so again this is completely inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi CFPB customer service team, I am a victim of a fraud/scam. I accidentally use XXXX linked to my checking account to send out {$1000.00} this early morning XX/XX/2023 around XXXX. The recipient got my payment and refused to deliver the concert ticket as promised. I realized that it's a fraud/scam and immediately reported to my bank Wells Fargo this XXXX opening XXXX dispute cases # XXXX and # XXXX. Besides filing the dispute, I also urged the bank to request a chargeback and attempted to cancel the transaction as it showed pending status. However, the bank informed me that it will take up to 5-10 business days to get someone assigned and to investigate. I told them the process is too slow as it happened on the weekend night and the fund is possibly being drained by the recipient already. I am asking your assistance to urge Wells Fargo to look into this dispute case as soon as possible and work on the chargeback request and also attempt to cancel/reverse the transaction on my behalf so I can get my {$1000.00} back. 

The recipient uses XXXX ( XXXX XXXX XXXX as XXXX ID.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
ID, S.S card and passport stolen. All items reported stolen through XXXX police station have claim number if needed. 

15 USC 1681 Trying to buy a home, this is a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2023-06-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best to their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on-time as they should be as I was NEVER late. Thanks.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation