vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
This is a follow up to a complaint i have submitted on XX/XX/2024. EXPERIAN has responded to a couple accounts ( XXXX XXXX XXXX XXXX  ) from my dispute and replied that the information in my dispute will REMAIN THE SAME. EVEN THOUGH i have submitted evidence that clearly shows that the information on my credit report is incorrect/inaccurate, they are refusing to CORRECT IT OR DELETE IT!! That is a CLEAR VIOLATION of law 15USC 1681e ( b ). This is my SECOND ATTEMPT to RECTIFY THIS SITUATION before moving towards compensation for each violation on each account. This situation is crucially hurting my credit report due to incorrect/ inaccurate information! I WANT TO RECEIVE NAMES OF EVERYONE INVOLVED so i can follow up with them about this investigation!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Heres a revised, dignified version of your message : On XX/XX/XXXX, I deposited a check from the IRS for {$10000.00} via mobile deposit, with funds becoming available at XXXX XXXX  on XX/XX/XXXX. To ensure smooth processing of a forthcoming significant purchase, I proactively contacted Fifth Third Banks customer service, hoping to prevent any account interruptions due to the unusual transaction size. 

However, instead of assisting with my request, the representative collected my information, subsequently locked me out of my account, and labeled the check as fraudulent. In an effort to clarify the matter, I drove XXXX minutes to XXXX, Tennessee, to verify the check in person. There, a banker contacted the fraud department, who not only insisted on the checks fraudulent status but also informed us they would be closing my account and reporting me to financial fraud agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was exposed during the data breach.Transunion has allowed this company to fraudulent put this account on my credit report without during a real investigation. I am a victim of identity theft this debt doesn't belong to me.I request immediately deletion or a full investigate. Account : Online information ser, BAL ; 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 2024-11-13 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XXXX ran my credit XX/XX/year> without my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments Ive attached a copy of my report to this complaint on XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. 
Thank you for understanding and taking the time to take action. 


Respectfully submitted, 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 2024-11-13 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments Ive attached a copy of my report to this complaint on XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. 
Thank you for understanding and taking the time to take action. 


Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments Ive attached a copy of my report to this complaint on XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. 
Thank you for understanding and taking the time to take action. 


Respectfully submitted, 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Experian Dispute over inaccurate information on my credit report as a late payment. The complaint began for the entire month of XXXX & now still dealing with issues in the month of XXXX. 

The complaint is that a payment can not be late, if the payment was made on XX/XX/XXXX, before the due date of XX/XX/year>. Experian continues to list the 30 day past due designation for the month of XXXX. Experian corrected the dispute on XX/XX/year>, but then a week later reinstated on XX/XX/year>. This affected my credit score and bad designation on my credit report. 

XXXX states ND and XXXX states 30 days past due ... ... .... 

Again, how can a payment be late if paid 12 days before the due date on XX/XX/year>. Issues is that Experian with horrible customer service- they allow an automated machine to resolve problems and then when you do finally get to speak to someone after several calls, they hang up on you. Horrible customer service. 

XXXX XXXXXXXX - horrible credit card company ... ..again where the problem began and first reported misinformation and then shifted that misinformation into the following month, while advising the card holder that was nothing they could do when they caused the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
The Negative Items on my report are closed, charged off, etc. but they remain on my report. please have them removed from my 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint regarding an inaccurate and potentially unlawful collection entry that has reappeared on my credit report after previously being deleted. I have been actively monitoring my credit and have noticed that a collection account, which was removed in the past, has been re-verified and re-reported by the creditor, despite the fact that it was previously deleted from my credit file. 

Here are the details of the collection account in question : Creditor/Collection Agency Name : LVNV Funding/ Resurgent Capital Services Account Number : XXXX and XXXX Credit Bureau ( s ) Affected : XXXX, XXXX XXXX XXXX Dear Maam/Sir ; This collection was deleted from my credit report, as confirmed by the XXXX, XXXX and XXXX after I disputed its accuracy. However, I have since observed that the same collection account has reappeared on my credit report, marked as " verified '' again. 

I am concerned that this account is being reported inaccurately and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and assist in ensuring that the erroneous collection entry is removed permanently from my credit report, as it was previously verified as inaccurate. 

Please let me know if you require any additional information or documentation to support my case. I appreciate your attention to this matter and look forward to your prompt resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name WFBNA CARD 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 2024-11-13 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: UT

Complaint narrative:
XXXX ran my credit without my permission and I have already reported this to XXXX they informed me they would be removing it from my credit file but Transunion has not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint and Request to Unblock Credit Report under FCRA Dear Equifax Consumer Services, I am submitting this formal complaint to address Equifaxs delay in unblocking my credit report. After submitting all requested verification documents, I was informed that my credit report would be unblocked immediately, yet it remains inaccessible, preventing me from exercising my right to apply for and obtain credit. 

On Monday, XX/XX/year>, I sent the requested documents to verify my identity and current address. These documents were confirmed as received and uploaded into your system on Monday, XX/XX/year>. During a conversation on XX/XX/XXXX, XXXX ( XXXX ID : XXXX ) assured me that my credit report would be unblocked immediately. Despite this, my report remains blocked as of today, Wednesday, XX/XX/year>. When I spoke with XXXX ( Employee ID : XXXX ) in your Consumer Affairs Department, he told me that the unblocking would take an additional 24 hours, contradicting the assurance given to me on XX/XX/XXXX. These delays are unwarranted and directly impact my ability to access credit and other essential services. 

Under the Fair Credit Reporting Act ( FCRA ), codified in 15 U.S.C. 1681, credit reporting agencies like Equifax are legally obligated to ensure timely and accurate access to consumer credit reports. Specifically : 15 U.S.C. 1681i ( Procedures in Case of Disputed Accuracy ) mandates that credit reporting agencies promptly respond to disputes and take reasonable steps to ensure the integrity and accessibility of consumer files.

15 U.S.C. 1681e ( b ) obligates Equifax to follow reasonable procedures to assure maximum possible accuracy of consumer files, which includes ensuring timely access to correct information for consumers who have provided the necessary identification verification.

The repeated delays in unblocking my credit report prevent me from obtaining credit, impacting my financial well-being and undermining my confidence in Equifax 's ability to provide fair and prompt service. I have complied with all requirements to resolve this matter, and I am now hindered in accessing credit and fulfilling my financial needs.

In light of the FCRA and consumer protection law, I respectfully request that Equifax : 1. Immediately unblock my credit report so I can access and manage my credit file.

2. Provide written confirmation of my credit reports unblocked status.

3. Provide direct contact information for a designated representative within your Consumer Affairs Department to ensure further prompt communication.

Please treat this matter with the urgency it warrants, and provide a prompt response. I reserve my rights under the FCRA and any other applicable consumer protection laws.

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Evrything tarted back on XXXX of XXXX  I had decided to open a saving account with XXXX XXXX  on line yes they were many popupd so I activaded the adblocked and a black screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after XXXX minutes turned the pc on and it worked normally after XXXX minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXX dollars I lost that day XXXX I had to pay the card up and asked XXXX XXXX to un report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never had any account with these creditors as i know as there intrest rate and services are bad news

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} Late Payment : XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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