vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: TN

Complaint narrative:
Charge Off account.. yet still showing a balance on 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 2024-12-25 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:
I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXX - Account # XXXX - XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX ... ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXX  - Account # XXXX - XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX ... ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )

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 2024-12-25 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : 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 2024-12-25 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: GA

Complaint narrative:
As of XX/XX/year> i am receiving adversarial responses from Experian to multiple of my disputes and as a result Experian is making unverified responses to those disputes in violation of 15USC 1681i and 15USC 1681s-2. Experian has not demonstrated how any investigative procedure they executed herein has verified the information reported on my credit report. It appears Experian believes that i should have supporting documents and other information to support my dispute claim however that is not what the law under FCRA requires. It is Experian and the furnishers of information in the report to verify accuracy of the report using a examination of sufficient evidence executing reasonable procedures.

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 2024-12-25 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: GA

Complaint narrative:
I have been receiving adversarial responses to my complaint by Equifax and as a result Equifax is making unverified rulings and findings to a multiple of my disputes in violation of 15USC 1681i and 15USC 1681s-2. Equifax has not demonstrated in these regards that they are will to conform to the law as required under FCRA. Equifax actions herein so far as shown that they are failing to verify the accuracy of my disputed reports by executing reasonable procedures and examinations of sufficient evidence. I still have disputes pending and Equifax is so far showing it is not willing to obey the law herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency credit reporting agency , please block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.

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 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Here is a revised letter with specific references to the Fair Credit Reporting Act ( FCRA ) and language that strengthens your case without including anything that might harm your chances of success. Ive removed unnecessary details and focused solely on the request for the complete removal of the ONEMAIN account. 

Subject : Formal Complaint and Request for Removal of ONEMAIN Account from Credit Report To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint regarding the inaccurate reporting of an account by ONEMAIN on my credit report. The debt associated with this account has been sold to XXXX XXXX XXXX, who have since removed their reporting of the debt. However, ONEMAIN continues to report this account, which violates the Fair Credit Reporting Act ( FCRA ) and creates a misleading and inaccurate portrayal of my credit obligations. 

Details of the Issue Creditor : ONEMAIN Account Number : XXXX Problem : ONEMAIN is reporting a debt they no longer own. Since the account has been sold to XXXX XXXX XXXX, it should no longer appear on my credit report. 

Relevant Statutes Under the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : The FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Reporting a sold debt as active or open violates this requirement.

2. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information, such as ONEMAIN, are required to conduct investigations and correct or delete inaccurate information upon notice of a dispute. 

Request for Resolution I respectfully request that the CFPB require ONEMAIN to : 1. Completely remove the account from my credit report, as they no longer own the debt, and its continued reporting is both inaccurate and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In XXXX and XXXX of XXXX I had two charges for XXXX XXXX  both for {$530.00} equaling out to be over {$1000.00}. I started the dispute. In XXXX on the XXXX, XXXX months later citizens bank sent me a rebill and when I called about the dispute they sent a letter stating I ordered from this company, details with my name being XXXX. I had tried to explain I am not XXXX and I have never received any products from this company. Also not a realtor. They basically told me there was nothing they could do. XXXX XXXX. I just figured I couldnt do anything else. And since my husband has been terminally ill and between working and trying to take care of him and had to run my business I forgot. Well tonight XX/XX/XXXX when I went to deposit more checks I logged into my account and now someone has taken {$3600.00} and {$2900.00} out of my checking account. Separate times. Called and every number to try to stop it and dispute it and nobody answered. I cant even cancel this card. I did however put a freeze on my card. How can a bank not have anyone to speak with and to stop card and also start dispute. I tried online and watched the videos and It still will not let start a dispute! These are huge transactions coming from my account. My husband is not an excuse but his last days being on hospice and I am completely exhausted and have no idea what to do. Froze the account since I cant even dispute online. Please please help me! I cant use this account now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Your Address ] [ City, State, ZIP Code ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dispute of 30-Day Late Payment Reporting for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the reporting of a 30-day late payment for XX/XX/year>, as furnished by XXXX XXXX XXXX to XXXX and TransUnion. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations, which require furnishers of information to provide timely and accurate notice to consumers regarding negative information.

Violation of Notice Requirements Pursuant to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) and 12 C.F.R. 1022.7, a financial institution must provide notice to the consumer no later than 30 days after furnishing negative information to a credit reporting agency ( CRA ). Specifically : After providing the initial notice, the institution is not required to send additional notices if subsequent negative information is reported about the same account or transaction. 

XXXX XXXX XXXX failed to comply with this requirement. I did not receive proper notice within 30 days of the negative information being furnished to XXXX and TransUnion. This failure to follow federal law has resulted in inaccurate and unfair reporting on my consumer credit file.

Request for Immediate Action I demand that XXXX XXXX XXXX : XXXX. Remove the 30-day late payment for XX/XX/year> from XXXX and TransUnion. 
XXXX. Provide evidence that the notice of negative information was sent to me in compliance with 12 C.F.R. 1022.7 and 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Failure to comply with this request will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 



Conclusion XXXX XXXX XXXX failure to adhere to federal law has caused significant harm to my creditworthiness. I request immediate rectification of this matter to prevent further damage.

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 2024-12-25 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : 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 explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company has refused to run investigations on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX even while reporting information clearly shoes fraud and is addressed to a location that is not on credit report. When asked to investigate issue company has stated meets FCRA requirements this is false as the address states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not present on any reporting agencies and was clearly never in past or future. 
Company has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable And should be held liable for all errors they continue to 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 2024-12-25 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: TX

Complaint narrative:
Subject : Complaint Against Equifax for Inaccurate Credit Reporting and Violation of FCRA Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Equifax for the second time for their failure to accurately report information on my credit report and for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) despite a reinvestigation being initiated. 

Account Details : Creditor : [ XXXX XXXX XXXX XXXX ] Account Number : XXXX Type : Auto Loan Status : Charged-Off Summary of the Issue : Equifax has failed to ensure the maximum possible accuracy of my credit report after a reinvestigation was initiated, resulting in the following discrepancies : Conflicting Account Status : The account is marked as " Open '' while simultaneously showing a " Charge-Off '' status. 
An account can not be both open and charged off... This account was PREVIOUSLY closed Incorrect Payment History After Charge-Off : The account was " charged off '' in XX/XX/XXXX. 
However, late payments continue to be reported monthly through XX/XX/XXXX, which is inaccurate as no further payments are due or expected after a charge-off. 

Inaccurate Balance Reporting : The Reported Balance is {$5100.00}, while the Highest Balance is incorrectly shown as {$0.00}. 
These inconsistencies reflect improper reporting practices... The previous bal reported was XXXX Failure to Properly Reinvestigate the Dispute : Despite marking the account with the remark " Consumer Disputes- Reinvestigation in Progress, '' Equifax has introduced new reporting errors instead of correcting the previously disputed ones. 

This is FRUSTRATING and currently hurting my score and reliability with other creditors : Why mark the account " Reinvestigation in process '' but updated the account information that does not match the account status and payments?!? 
Equifax is not doing their due diligence and is STALLING. 

Equifax are violating the FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting consumer information.

FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

FCRA 1681s-2 ( b ) : Failure of the furnisher to accurately update disputed information after reinvestigation.

Company response to consumer: Closed with non-monetary relief