vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-11-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to request the update or removal of the late payment entry listed on my credit report for XXXX XXXX XXXX and XXXX XXXX, as it is incorrect and does not accurately reflect my records. Additionally, I have noticed an unauthorized inquiry on my credit report that I did not authorize and would like it removed. 

Both of these items are negatively affecting my credit score, and I kindly ask that you investigate and take the necessary action to resolve these issues. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. 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 non-monetary relief
Consumer complaint received 2024-11-06 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-11-06 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Well, I'm a victim of identity theft me and my family. I am only XXXX XXXX XXXX and still live with my mom at XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX. I never moved out of the house. 
Someone used my information that was lost in XXXX to get an apartment in my name I contacted the credit reporting agencies to dispute the item. they keep verifying it. 
I never lived anywhere else but at my mom 's home. I never had a apartment. or home its showing on my credit report as a collection account under National Credit System in the amount of {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a XXXX on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-11-06 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 am reaching out to formally dispute the inclusion of a XXXX  on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I told them to take out the payment every month automatically I gave them my back information 8 times and the 8 times they got it wrong. They were reporting to my credit report that I was paying late.and charging me extra late fee. I finally spoke the loan manager and gave them the information and I was never late. What I need is to take those 8 late payment from my credit report off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have money in my account and they froze my account and said I hav to wait 180 days to get my money then they permanently suspended my account so I have no way to get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX XXXX XXXX Account I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DF ] of the XXXX XXXX XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate and can not be verified properly, it must be deleted DA by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as Bank of AmeXXXX XXXX are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. 

I anticipate prompt deletion [ DA ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-11-06 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: IL

Complaint narrative:
I am writing to formally request that certain fraudulent accounts and transactions be permanently blocked and deleted from my credit report, as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach and am now dealing with the ramifications of fraudulent activity on my credit file. 
The following accounts are fraudulent and do not belong to me : XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$710.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$8600.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$22.00} XXXX. XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$6900.00} XXXXXXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$240.00}

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 2024-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX ( UMB Bank ) started placing 16 business day holds on all ACH transfers and check deposits to their cash management account without notifying customers. As a result, customers who use their cash management account have not been able to pay their bills on time and have been charged returned item or late payment fees because the funds transferred to XXXX are placed on unfair 16-business day holds. XXXX representatives refuse to remedy the damage done and still refuse to notify customers of their 16 business day holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX filing a complaint against Experian for failing to remove fraudulent accounts from my credit report, which they initially deleted but have now reappeared. 
On XXXX XXXX, I sent Experian a formal dispute letter, along with FTC reports and full documentation, regarding two accounts that were opened in my name due to a phishing scam. After I reported this and provided all the documentation, Experian removed the accounts, and I thought the issue was finally handled. 

However, these accounts have now reappeared on my report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have these fraudulent accounts permanently removed, and its Experians responsibility to ensure this. Its unacceptable that this has resurfaced after I went through all the right steps to dispute it. 

Thank you for addressing 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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland sent an email beginning on XX/XX/year> claiming a " pre-legal notice '' about a balance from a Missouri Bank in the total amount of XXXX that I have no known ownership of with this debt collector. They have since continued to send emails to me regarding this claim of debt ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is XXXX me and making me XXXX on why and how this happened.

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 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-11-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2024-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I found some billing mistakes with late payments that dont align with my payment pattern. Please make the necessary corrections and update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally demand the immediate removal of all collection accounts listed under my name on my credit report. If these account is not removed, I will pursue legal action against your agency. 
This demand is based on violations of the following laws : 15 USC 6802-05 : These laws protect consumer privacy and personal information. Your agency has not followed proper procedures in handling my data.

Privacy Act of 1974 : This Act guarantees my rights regarding the use and disclosure of my personal information, which your agency has violated by reporting this account without my consent.

16 CFR 433.32 and 16 CFR 433.3 : These regulations prohibit false and misleading representations in the debt collection process. I contend that your agency has failed to comply with these standards. 
If this account is not removed from my credit report within 15 days of this letter, I will take legal action to enforce my rights under these laws, including seeking damages. 
Please provide written confirmation of the removal of this account.

Company response to consumer: Closed with explanation