vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XXXX, I identified a billing error in the amount of {$10000.00} on this account and promptly sent a formal dispute letter to XXXX via certified mail. I have documentation confirming the delivery of this notice. According to the Truth in Lending Act ( TILA ), XXXX was required to acknowledge my dispute and cease reporting the disputed amount to credit bureaus while conducting their investigation. However, they have failed to comply with these requirements. Specifically : 1. XXXX has not acknowledged my dispute. 
2. They continue to report the disputed amount to credit bureaus. 

These actions are in direct violation of TILA regulations.

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 2024-07-26 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-07-26 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount ____ Account Name XXXX XXXX XXXX XXXX Account Number XXXX Reason for dispute IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-26 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Several attempts to correct incorrect information on my credit file. 
Submitted documents XX/XX/XXXX to verify LEGAL NAME, date of birth and SSN, sent Certified, return receipt. Not updated. 

Called XX/XX/XXXX, first employee was extremely rude and refused to update information because creditors are reporting wrong names and have to be disputed with each creditor. 

Second call, rep assured me all other names have been removed except my LEGAL NAME OF XXXX XXXX XXXX XXXX They assumed me everything would be updated. 

XX/XX/XXXX review resolved CFPB notice, and Experian disputes being closed without action. 

EXPERIAN / XXXX still reporting names that DO NOT BELONG to me. 

The credit file is still incorrect after numerous calls and submission of documents. 

Experian / XXXX is refusing to correct my Legal Name which is the only name I have used for decades. 

This is a direct violation of my rights under the FCRA and numerous US CODES.

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 2024-07-26 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: CA

Complaint narrative:
There was a fraud act against my account on XX/XX/XXXX and XX/XX/XXXX I made the compliant when I seen the charges on XX/XX/XXXX the bank Wisely investigated the fraud and credited my account back for the small charges made in the total of XXXX on XX/XX/XXXX. The same day that I seen the charges for XXXX I received a call from the bank representative saying they needed to verify my account to process the credit. They then told me they had to make sure I was the account holder and said they would send me a code on my phone and I needed to give them the code to verify my identity. They sent me the text and I gave them the number. Within a few minutes they had cleaned out my account in the amount of XXXX. I then return to the dispute resolution center and filed a claim for the amount of XXXX. The account was locked and I receive a letter from ADP Compliance Solutions on XXXX XXXX saying the XXXX would be credited back to my account. I then called fraud protection again and ask them why this kept happening and they told me they would close out my account and open a new one I would get another card and was not to use the old one. It took I think 10 days to get the new card and I started to use my account again because they was where my payroll check went. I XX/XX/XXXX I tried to transfer XXXX to my chase account which I had setup as a default and after not seeing the money show up in my account I looked and my default account had been linked to another account and the bank had transferred this fraud account over with the new account they opened. I called and they gave me the runaround for weeks and finally I asked why I didn't get a provision credit I needed my money and they said I didn't ask for me I told them no one told me to request it and they said yes send it today in writing so I did and they said it was to late to make the request that I need to wait 30 days XX/XX/XXXX for final investigation to be finish. I called on XX/XX/XXXX and asked for results and they said a letter was sent to me and they could not give me results over the phone. I waited until XX/XX/XXXX to find that they mail me a letter on XX/XX/XXXX saying they found no fraud activity. I am sending a request today to ask for supporting documents I could not get them to release my online access until XX/XX/XXXX to see the fraud transfer is still there. I am send a request for details on investigation today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I was in good standing with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXXXXXX XXXX  when i was canceled without notice. I informed them that we were paid to date. this caused them to violate UCC1-304 good faith law. i informed them in turn relieved me of my side of the contract also. I offered to resume our agreement if they reinstated my card and account. they ignore my offer UCC1-304 ( 2 ).

after several months I guess. my account was sold to XXXX ( resurgent ) for collection I got a lot of calls from them ID themselves as XXXX only and asked me for personal info without telling what the call was for. I thought they where a short term loan co. I told them they would get no ID conformation Info from me until they told me who they were and what this was about. they wouldn't and were rather rude I would hanged up. Resurgent finally ID them self in a letter I called and made them the offer for reinstated the card. the next thing after I made arrangements for repayment Resurgent posted dept collection with the credit people. their policy is if a arrangement is made they would NOT post a collection file. Again UCC 1-304 violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of accounts on my credit report 5 separate times on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I demanded every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that it has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting. 

If they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the accounts under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

I demand the accounts be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ), or it MUST be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
During a review of my credit report a few months ago, I found mistakes related to the LVNV FUNDING LLC account ( XXXX ). This violates my rights. I have challenged these errors with the three credit bureaus and the collector, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I had an account with Wise XXXX used to transfer money from my local account in the US to another bank account I have in XXXX. Wise also provided a debit card which I used to pay for services while traveling. On Monday, XX/XX/year> my account was unexpectedly closed by Wise without notice or providing any reasons. I had a balance of XXXX USD and XXXXXXXX XXXX in my account. When I tried to log in to Wise the login was denied and I was informed that Wise decided to deactivate my account. I was provided an option to appeal their decision, which I did. The same day, XX/XX/XXXX I got an e-mail from Wise with the following message : " After reviewing your case again, we've decided to keep your account closed. '' During the appeal process I was asked to provide proof or residency and my checking account number for the purpose of remittance of my remaining balance. Till today I did not receive my money back neither was it possible to contact customer support at Wise- in order to do that one has to login and since my account has been deactivated I am not able to do so. From XX/XX/XXXX till XX/XX/XXXX I am abroad on a business trip and because of Wise 's actions I am not able to access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief