vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
" I am filing this complaint to dispute inaccurate and incomplete information on my Early Warning Services ( EWS ) report related to my XXXX XXXX XXXX XXXX account ( # XXXX ). This is my second dispute regarding this account, which was opened on XX/XX/XXXX and is listed as 'Savings/Dormant/Inactive XXXX XXXX XXXX status change date of XX/XX/XXXX. 

The reported information is inaccurate and missing critical details, including : Incorrect Phone Numbers : The report shows phone numbers XXXX and XXXX, which are not associated with this account. 
Incorrect Address : The listed address, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is incorrect. 
Missing Account Details : The report lacks a closure date, payment history, and any indication of recent activity.

Despite disputing this information directly with EWS, these inaccuracies have not been corrected. This misinformation violates my rights under the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate, up-to-date information. The incorrect information on my report has caused significant inconvenience and may negatively impact my financial reputation. I am requesting the CFPBs assistance in ensuring that Early Warning Services investigates and either corrects or removes this inaccurate account from my report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IA

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
We called KeyBank to send proof of pmt since XX/XX/XXXX and i never receive email response. Several attempt after and never successful, XX/XX/XXXX we escalated case with XXXX XXXX and hung the line on us. We have asked today for a supervisor and XXXX employee XXXX to escalate this email request, and he just said there is no estimate turnaround time. We always have conflicting information with this Fraud department and never get anywhere since then. XXXX from XXXX at XXXX XXXX is helping me resolve this and Keybank are not helpful to us. 

Please provide a Spanish agent on this to communicate with me. 

thanks, please advise on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

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 2024-11-14 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as a final demand to address my formal dispute regarding an unauthorized hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-11-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent account and unauthorized inquiries have appeared on my credit report without my consent. I am requesting that they be immediately blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX BANK XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 writing to dispute the accuracy of the account listed as " XXXXXXXX XXXX XXXX XXXX account number XXXX, on my credit report. I believe the following issues require correction : Charge-Off Status : The account is marked as " charged off '' with a balance of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or removed. I request verification of this charge-off status or its removal if not substantiated. 

Payment History : The account reflects charge-off statuses from XXXX to XX/XX/year>, but there was a partial payment agreement in place. This agreement should be reflected accurately, or the reporting should be corrected. 

Account Closure : The account is listed as " closed at credit XXXX 's request '' in XX/XX/year>, which may be inaccurate or improperly documented under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
I am writing to dispute the accuracy of the account listed as " XXXX XXXX XXXX  '' account number XXXX, on my credit report. I believe the following issues require correction : Charge-Off Status : The account is marked as " charged off '' with a balance of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or removed. I request verification of this charge-off status or its removal if not substantiated. 

Payment History : The account reflects charge-off statuses from XXXX to XX/XX/year>, but there was a partial payment agreement in place. This agreement should be reflected accurately, or the reporting should be corrected. 

Account Closure : The account is listed as " closed at credit XXXX 's request '' in XX/XX/year>, which may be inaccurate or improperly documented under the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
Repetive calls often with no one on the other line and immediately hang up call 2-3 times per day, every day of week except sunday call from different numbers to circumvent blocking asked them to stop contacting me as they have already been informed of my bankruptcy but they continue to attempt to collect payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

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 explanation
Consumer complaint received 2024-11-14 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RECOVERY Is reporting false information to the credit bureaus ( XXXX, XXXX and XXXX ). When disputed this information came back as being verified. 
Please provide me with validation of this account, as I believe this debt is not mine. 
Debt XXXX : {$1200.00} opened XX/XX/XXXX XXXX XXXX : {$3200.00} opened XX/XX/XXXX Debt XXXX : {$3200.00} ( duplicate? ) opened XXXX XXXX XXXX XXXX : {$3300.00} opened XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
For the past 3 months ( XXXX, XXXX, XXXX ) I have scheduled my payments for the full statement balance on the due date just like I have Always done since I opened the account. The past 3 months, the payment date has changed. The past 3 months the payment has posted to my account 1 day after I scheduled the payment. The past 3 months I have been charged interest fees. The past 3 months I have called and chatted with the company to get things taken care of. They did credit the interest fees in XXXX they are refusing to credit me the interest fees for XXXX and XXXX. They also refuse to see if it is a problem with their system since the same situation has happened to me for 3 consecutive months. I have never paid a bill late with this company. Something mustve changed on their end that is now having my payment post a day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 2024-11-13 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-13 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: CA

Complaint narrative:
I've fallen victim to identity theft, and my information has been used fraudulently. Because of this, there are items on my credit report that I was never involved with. Following TransUnion 's instructions, I filed a report with the FTC and sent it in, but these fraudulent items are still there.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> Dear CFPB, Subject : Demand for Immediate Correction of Erroneous Late Payment Reporting I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX XXXX XXXX Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account : 60-Day Late Payment : Incorrectly reported as 60 days late in XXXX, despite my timely payment history. 
Account Status and Remarks : Inaccurately listed as " Closed '' and " Late 60 Days '' on XX/XX/year>, yet no corrections were made following my initial disputes. 
Dispute Status : Incorrectly reflected as " Account not disputed, '' even though Ive raised disputes on XX/XX/year> and XX/XX/year>, which remain unresolved. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXXXXXX credit card was opened without my knowledge or authorization. The current balance is {$5400.00}. 

On XX/XX/XXXX a {$500.00} XXXX XXXX XXXX was opened. There currently is no balance. 

On XX/XX/XXXX a fraudulent inquiry was opened and placed on my credit report by XXXX On XX/XX/XXXX another fraudulent inquiry was reported by XXXXXXXX XXXX  On XX/XX/XXXX another fraudulent inquiry was reported by XXXX XXXX On XX/XX/XXXX the final fraudulent inquiry was reported by XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
On XX/XX/XXXX, a XXXXL XXXX credit card was opened without my knowledge or authorization. The current balance is {$5400.00}. 

On XX/XX/XXXX a {$500.00} XXXX XXXX XXXX was opened. There currently is no balance. 

On XX/XX/XXXX a fraudulent inquiry was opened and placed on my credit report by XXXX On XX/XX/XXXX another fraudulent inquiry was reported by XXXXXXXX XXXX  On XX/XX/XXXX another fraudulent inquiry was reported by XXXX XXXX  On XX/XX/XXXX the final fraudulent inquiry was reported by XXXXXXXX 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