vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: SC

Complaint narrative:
Subject : Validation Letter Regarding Removal of Late Payments from Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> XXXX Transunion XXXX Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report. I have recently reviewed my credit report and have identified several late payments that are inaccurately listed on my account. These late payments are negatively impacting my credit score and do not accurately reflect my credit history.

I am requesting that these late payment entries be thoroughly investigated and removed from my credit report as they are not a true reflection of my payment history. I have always been diligent in making my payments on time, and these late payments are erroneous and damaging to my creditworthiness. Ive never been late I kindly request that you conduct a thorough investigation into these inaccuracies and provide me with a written explanation of the results. I believe that once the inaccuracies are rectified, my credit report will more accurately reflect my credit history and financial responsibility. 

Please provide me with information on the steps being taken to investigate this matter and the timeline for resolving this dispute. I am looking forward to a prompt resolution to this issue and the removal of the inaccurate late payments from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights Reserved w/o Prejudice

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 2024-02-22 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: SC

Complaint narrative:
Subject : Validation Letter Regarding Removal of Late Payments from Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report. I have recently reviewed my credit report and have identified several late payments that are inaccurately listed on my account. These late payments are negatively impacting my credit score and do not accurately reflect my credit history.

I am requesting that these late payment entries be thoroughly investigated and removed from my credit report as they are not a true reflection of my payment history. I have always been diligent in making my payments on time, and these late payments are erroneous and damaging to my creditworthiness. Ive never been late I kindly request that you conduct a thorough investigation into these inaccuracies and provide me with a written explanation of the results. I believe that once the inaccuracies are rectified, my credit report will more accurately reflect my credit history and financial responsibility. 

Please provide me with information on the steps being taken to investigate this matter and the timeline for resolving this dispute. I am looking forward to a prompt resolution to this issue and the removal of the inaccurate late payments from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights Reserved w/o Prejudice

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 2024-02-22 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: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 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 2024-02-22 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: GA

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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 2024-02-22 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Transaction date : XX/XX/2024 Amount : {$50000.00} I initiated an external fund transfer using the XXXX XXXX  portal. Fund transfer was from XXXX savings account to XXXX savings account. The fund was deducted from the XXXX account on XXXX XX/XX/2024 but never credited to the XXXX account. I have called and messaged XXXX multiple times but have not received a proper answer. Initially, they asked for a document for verification, which I sent over email. Later, they told me that since the transaction had been pending for more than 10 days, they couldn't accept it. XXXX says they sent a Letter of Intent ( LOI ) to XXXX to accept the fund bank. I spoke to XXXX regarding LOI, and they seemed confused and told me they are unaware of LOI. XXXX also said that they can't do anything since the fund is with XXXX. However, XXXX filed a dispute for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: VA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX and list of Inquiries. 


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 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 2024-02-22 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: VA

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX and list of Inquiries. 


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 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 
XXXX XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 
XXXX XXXX XXXX  keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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:
Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under XXXX XXXX XXXX. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX  XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  XXXX XXXX XXXX XX/XX/2023

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 2024-02-22 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: MI

Complaint narrative:
See Attached I submitted a complaint on XX/XX/XXXX requesting that you investigate and proved verifiable proof with records showing that I was late for XXXX  XXXXXXXX XXXX XXXX Account # XXXX on XX/XX/XXXX and XX/XX/XXXX The consumer reporting agencies have the need to report all information with complete accuracy.

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 2024-02-22 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX  XXXX ; Inquiries : XXXX XX/XX/2022, XXXX XX/XX/2022.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One closed the principals account without legal agreement in writing nor verbal agreement. Principal revoked said companies ' power of attorney to make any decisions on principals account without consent. A billing dispute was sent to the company along with instruction, and lawful tender of payment through registered mail number XXXX. The closure of the account is considered adverse action per 15 USC 1691. The coupon attached to the " statement '' is a receivable that has been credited on said account. Capital One is in violation of their sec filings via their 10k,8k, and prospectus filing. On XX/XX/2024, an application/ security was rendered to Capital One, and the application was returned was returned as denied. Per the bill of exchange act of 1882, value was given through the application on file. Credit card receivables, including generated credit card applications are securitized and are then turned into assets which in return are financial instruments such as notes or securities backed by the cash flow from the underlying credit card receivables. This transaction allows this company to create tradable instruments for their investors. The principal on this is in fact treated as an investor. The company " Capital One '' understands clearly per their words in their sec filings ( prospectus ) that the only way to pay a " Bill '' lawfully is through interest. They have chosen to ignore these facts and continue to disregard said filings that are heavily regulated and federally protected. They are in plain English are COMMITTING SECURITY FRAUD per 12 CFR 1026.12 and 12 CFR 1026.13 ( D ) with the intent to invade tax liability while using CAPITAL ONE XXXX XXXX as a special purpose vehicle to transfer their liability. These actions are completely unacceptable, fraudulent, and willful non-compliant to laws and regulations that govern the company and are supposed to protect consumer rights.

Company response to consumer: Closed with explanation