vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I've been a victim of XXXX XXXX XXXX XXXX based on the FCRA 605 b these accounts shall be blocked and deleted within 4 business days.

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 2024-12-17 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: IL

Complaint narrative:
according to the IRS ..cancelled debt ( charge off ) is gross or ordinary income. Income does not get reported on your consumer report. A charge off is an inaccurate account.

15 USC 1681e ( b ) is a part of the Fair Credit Reporting Act ( FCRA ). According to this section, a consumer reporting agency ( CRA ) must maintain reasonable procedures to ensure that the information in their reports is accurate and up-to-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 2024-12-17 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: FL

Complaint narrative:
XX/XX/year> Subject : Second Request for Investigation and Immediate Correction Account # XXXX Dear CFPB, This is my second request regarding the inaccurate reporting of late payments on my Experian credit report for account # XXXX. My original dispute was submitted on XX/XX/year>, yet no corrective action has been taken. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Details of the Dispute The account shows 30-day, 60-day, and 90-day late payments for the months of XXXX, XXXX, and XX/XX/year>. These inaccuracies are unfounded and are harming my credit standing. 
Legal Citations Under 15 USC 1681e ( b ), you are required to ensure the maximum possible accuracy of all information included in a consumer report.

Under 15 USC 1681i ( a ) ( 7 ), I am entitled to a clear description of the investigation procedures you followed to verify this information.

Provided Documentation To assist in resolving this dispute, I have included : Government-issued ID Social Security Number Address verification Credit report containing the inaccurate entries Demands Correct or delete the inaccurate late payments immediately and update the account status to : " Paid As Agreed, Never Late. '' Provide me with a detailed description of the investigation and the evidence used to verify these late payments.

Respond within 30 days as required by federal law.

Your failure to correct this issue in a timely manner will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), as well as legal action for damages caused by these inaccuracies. 
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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
My personal information was affected by the referenced Equifax Data Breach. Attached is a notarized affidavit of dispute along with supporting documentation as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
My wallet and SSN was lost and have been a victim of identity theft still to this day. I called to remove inquiries in XXXX XXXX & XXXX, said company said that a FTC report is needed to remove inquiries. FTC report was sent in and said company is stating of not receiving it. Will not remove inquiries from report after non stop reportings. They will not remove them over the phone but also will not admit to receiving information that was sent in.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
My Federal Loans were forgiven due the due to predatory school. My private loan was owned and serviced by AES for many years. for more then 80 % of payments made to them, however about the time the lawsuit XXXX XXXX XXXX began they sold the loan to XXXX XXXX. AES is reviewing forgiveness, however they said because they sold it they will not help, XXXX XXXX wrote off last of balance due. I am looking to get payments made back. borrowed XXXX - paid XXXX and still owed XXXX when Launch sent to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX for inaccurately reporting a late payment for XX/XX/year> on my credit report, which violates the CARES Act and the Fair Credit Reporting Act ( FCRA ).

This inaccurate reporting has harmed my credit score, financial standing, and opportunities to secure credit. I have previously disputed this matter with Experian but have not received a satisfactory resolution.

Details of the Complaint : Violation of the CARES Act ( Section 4021 ) : During the COVID-19 pandemic, I was under financial hardship and was placed on a relief/forbearance plan in accordance with the CARES Act.

The CARES Act prohibits creditors from reporting late payments for accounts placed under forbearance or deferment plans. 
XXXX  XXXX XXXX failed to comply with this provision by reporting my account as late for XX/XX/year>. 
Inconsistency Between Credit Bureaus : The late payment is only reported by Experian. Both XXXX and XXXX show my account as current, which highlights the inaccuracy and lack of verification by Experian.

Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting false information.

15 U.S.C. 1681i ( a ) : I formally disputed this error with Experian, and they failed to investigate and correct the inaccurate information within the legally required 30-day timeframe.

Impact on My Credit : This inaccurate reporting has caused a significant drop in my credit score, negatively affecting my ability to secure credit opportunities and financial stability during a challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information.

Accounts to be Blocked and Deleted 1. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$30.00} Inquiries to be Blocked and Deleted XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$30.00} Inquiries to be Blocked and Deleted XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal.

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check on XX/XX/year> that was a withdrawal from my XXXX account in the amount of XXXX USD, the funds from which were to be made available the subsequent day according to my deposit slip. Wells Fargo applied an additional hold for 7 business days, and upon my call on XX/XX/year> to customer service, they only noted that the reason for the hold was " Refer to the maker of the check '' and not able to provide any additional information.

I then reached out to my XXXX administrator on XX/XX/year> who processed the withdrawal and within 2 business days ( on XX/XX/year> ) was able to produce/provide evidence to me that the maker of the check ( XXXX XXXX XXXX XXXX XXXXXXXX ) had indicated the check had cashed and there was no indication on their end of a need to hold. 

On XX/XX/year>, along with a representative from XXXX administrator, I contacted a " banker '' on Wells Fargo 's customer service line, who was unable to help even after my XXXX administrator confirmed that there were no issues on their end and that they had been in contact with XXXX XXXX XXXX XXXX on my behalf. When escalated to a 2nd level support representative, my XXXX administrator again confirmed that the check had been cashed by the maker bank. I inquired with the 2nd level support individual if the hold could be cleared sooner than the estimated date of XX/XX/year>, and they said they " do not have a process to expedite release of a hold '' and that they did not have access to any senior level support with appropriate authority to do so. At best I was offered the ability to file a complaint, but they indicated that i would not hear from them for 10 business days.

As a consumer, this has left me in a very precarious financial position, as I withdrew this money due to a personal hardship. It is absolutely ludicrous that even upon confirmation with the maker bank of no issues ( the maker bank being the supposed reason for my hold ) that my money is still being held. I am a long term customer, gainfully employed with direct deposit, and am being offered no other reason as to why they are holding funds.

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 monetary relief
Consumer complaint received 2024-12-17 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:
Submitted complaint, that the company can not treat a payment on a credit card under an open end consumer credit plan late for any purpose 15 US Code 1666b unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer no later than 21 DAYS BEFORE the payment is due. 

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was MAILED out or DELIVERED 21 DAYS BEFORE the payment due date, PLEASE PROVIDE the PROOF that this information was MAILED out or DELIVERED 21 DAYS BEFORE the statement date. 

15 USC 1637 ( B ) is very specific on all required information needed or must be mailed or delivered to the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Submitted complaint, that the company can not treat a payment on a credit card under an open end consumer credit plan late for any purpose 15 US Code 1666b unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer no later than 21 DAYS BEFORE the payment is due.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was MAILED out or DELIVERED 21 DAYS BEFORE the payment due date, PLEASE PROVIDE the PROOF that this information was MAILED out or DELIVERED 21 DAYS BEFORE the statement date.

15 USC 1637 ( B ) is very specific on all required information needed or must be mailed or delivered to the consumer!

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