vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: NY

Complaint narrative:
1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

# 4 ) THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - I WILL ATTACH MY CONSUMER REPORT FOR THIS ACCOUNT -- -PAYMENT HISTORY DOES NOT MATCH BETWEEN EXPERIAN XXXX XXXX XXXX ALSO XXXX DOES NOT HAVE PAYMENT HISTORY, PLEASE DELETE OFF MY CONSUMER REPORT -- - 15 U.S. Code 1681 -- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: FL

Complaint narrative:
I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX  # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections XXXX ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: FL

Complaint narrative:
I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections XXXX ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.

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 2023-09-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX Dispute of Inaccurate and incomplete Information on Credit Report : Account Details : 1. 
Account XXXXXXXX XXXX XXXX Account number : XXXX 2. 
Acount XXXX XXXX XXXX  Account number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the information that Experian has reported on my credit file. I have recently reviewed my credit report, and l have found that there are several accounts, specifically the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX which are currently in charge off status, that contain erroneous and incomplete information. lam exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation and correction of these inaccuracies.Firstly, Account XXXXXXXX XXXX XXXX Account number : XXXX and Acount XXXX XXXX XXXX Account number : XXXX, | assert that the information reported is inaccurate. I have not had any association with either of the accounts listed above. 

There seems to be a case of mistaken identity as I have never applied for, used, or held these accounts. I kindly request that you rectify this error by removing this account from my credit report. 

As per my rights under the FORA, I am entitled to an investigation of these disputed items.| request that you conduct a thorough investigation into each account mentioned above and provide me with a detailed explanation of the results within 30 clays. 
I would like to bring to your attention a relevant legal case where Exper an was sued tor violating consumers rights under the FCRA. The case of Smith v. Experian ( Caso No. 
XXXX ) is particularly pertinent to my situation. In this case, Experian was found to have Inaccurately reported a consumer 's credit information, resulting in severe financial consequences for the individual. I believe my case shares similarities with this precedent, and l expect a fair and thorough investigation of my dispute. 
Enclosed are relevant documents and proof to support my dispute. lam willing to cooperate further and provide any additional information you may require. 
Furthermore, I will be copying this letter and all relevant documentation to the Consumer Financial Protection Bureau ( CFP8 ) and my state 's Altorney General Office. It is my intention to bring attention to this matter and ensure that my consumer rights are protected and upheld. 
Please promptly investigate and address this dispute to avold any further consequences. I expect a timely response to this matter. You may reach me at ( XXXX ) or ( XXXX ) for any clarifications or updates. 
Thank you for your attention to this matter. I look forward to resolving this dispute promptly. 

Thanks

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 2023-09-04 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 disputed an account with XXXXXXXX XXXX with the credit bureau. This account is not validated. The credit bureau is still reporting the account on my credit report although the company did not provide any documentation to validate the account. I has been 44 days since my dispute, which is past the required 30 days to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: IN

Complaint narrative:
I discovered in XX/XX/XXXX that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX pulled my Equifax, XXXX and XXXX credit reports on XX/XX/XXXX without my knowledge or consent in person, by phone or email. I further discovered that on the same day XX/XX/XXXX my personal credit information was submitted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/XXXX XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how his company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account of XXXX XXXX XXXXXXXX on my reporting credit 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. 

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: AR

Complaint narrative:
Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

Experian shows 3 XXXX XXXXXXXX charged off Accounts & a charged off account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid this account. It was a chargoff, but I paid and settled the account. Wells Fargo has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: MA

Complaint narrative:
Checkr company ran my background check report with incorrect information under the County Searches part with criminal search, and I have contacted them many times over a month. they still have not corrected this issue for me which caused me to lose my rideshare driver eligibility with my XXXX account. It should be showing Clear, not Consider status on my report. 
Also, there is a search regarding " Driver Provided Driver Identification to Another Transportation Network, First Offense '' information incorrect as well. I did my court search last time and it has nothing found on the dates between XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX when I entered the case number XXXX XXXX into the XXXX XXXX  website. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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:
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.

has violated my rights. Or 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 explanation
Consumer complaint received 2023-09-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive contacted All 3 credit bureau Equifax XXXX and XXXX on various occasions since XX/XX/2023 and asked them to provide me proper documentation, holding me liable for these debts thats reporting on my credit reports they have failed to do so on multiple occasions, and are claiming that they are verifying the information, but not sending me any documentation, I would like these accounts delete it from my credit report immediately as it is stopping me from obtaining future credit. I have no knowledge of the accounts thats currently reporting on my credit reports. They are also falsely verifying thats on my credit report with no actual proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX, XXXX CAD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a dispute letter to TransUnion about inquiries on my report to delete and investigate and havent received no results yet

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 2023-09-04 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

Complaint narrative:
XX/XX/2021, when I tried to transfer my balance and payment, I found I can't access my money. XXXX EUR and XXXX USD. 

So I contacted Paypal support via XXXX. I told them the problem. 

First time, they asked me to create a second PayPal account in the country I am currently living in, once the secondary account is created the funds in the U.S balanced can be sent to the new second account. But it didn't work. 

Second time, they asked me try with a different mode of payment or try after XXXX hours. But it didn't work, too. 

Third time, they asked me to verify my XXXX account. But it didn't work, too. 

Forth time, they asked me to wait it get normal. But it didn't work, too. 

Fifth time, they asked me to call them, but it's not save for me. 

Sixth time, I proved my money is legal few days ago, but after I provide my ID there is no answer anymore. 

I felt that their process was very confusing, I felt discriminatory, and I felt that they didn't want me to take my legitimate funds. It put a huge burden on my life and credit during the hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: AR

Complaint narrative:
Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

XXXX shows 3 XXXX XXXX  charged off Accounts & a charged off account from XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-09-04 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: AR

Complaint narrative:
Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

XXXX shows 3 XXXX XXXXXXXX charged off Accounts & a charged off account from XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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:
XXXX XXXX XXXX claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. 
XXXX closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor  of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to XXXX and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get XXXX to remove this bad report because : 1. They didn't have to charge off the {$140.00} ( it was paid ) 2. It was my father 's bank account NOT mine

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