vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: AZ

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. 

I give the company full authorization to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NV

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NC

Complaint narrative:
XX/XX/2023 shows a late payment, I don't know the amount they claim I owe for that month. 
Its for my XXXX Credit Card. I was setup on a payment plan because I was laid off. XXXX had agreed that I pay {$180.00} for XXXX  months to give me time to find a job etc. I paid as agreed. XXXX stated that they don't report to credit bureau while payment plan is setup. I contacted XXXX through email to ask about the late payment. They said tgey never reported any late payments to the credit bureau and I needed to speak with the credit bureau. I tried disputing online attaching the email correspondence between XXXX and XXXX. I was declined saying information reported is accurate. I then wrote letters asking the credit bureau to remove the late payment and I have received notification that info is accurate. This late payment is XXXX  my XXXX XXXX. I will be trying to buy a home. XXXX help me get this mistake removed

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/year> shows a late payment, I don't know the amount they claim I owe for that month. 
Its for my XXXX Credit Card. I was setup on a payment plan because I was laid off. XXXX had agreed that I pay {$180.00} for XXXX  months to give me time to find a job etc. I paid as agreed. XXXX stated that they don't report to credit bureau while payment plan is setup. I contacted XXXX through email to ask about the late payment. They said tgey never reported any late payments to the credit bureau and I needed to speak with the credit bureau. I tried disputing online attaching the email correspondence between XXXX and XXXX. I was declined saying information reported is accurate. I then wrote letters asking the credit bureau to remove the late payment and I have received notification that info is accurate. This late payment is XXXX  my XXXX XXXX. I will be trying to buy a home. XXXX help me get this mistake removed

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC
State: UT

Complaint narrative:
This goes back to a problem with XXXX and XXXXXXXX XXXX My husband passed away last XXXX. I call XXXX to cancel his account. I was told this was done ; however, I continued to receive billings for his account going into XXXX. Each time I contacted them I was told a different story. 
After paying close to {$1000.00}. for my husband 's account without anything being done, I closed my account and went with XXXX, I also submitted a complaint though the XXXX 
I received notice from both XXXX and XXXXXXXX XXXX that both my husband 's and my account were closed. 
I was sure the matter was closed until I received a letter from XXXX XXXXXXXX XXXX I checked XXXX to be sure this was a ligament company, and it is. 
The letter said this was a collection from XXXX and XXXX bank stating as of XX/XX/24 there was an unpaid balance of {$320.00} I have contacted both XXXX and XXXX XXXX and have been assured that the accounts have been closed and there is a XXXX balance, which makes me think this letter is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint after noticing an unauthorized inquiries and inaccurate personal information on my credit report : XXXX XXXX, XXXX XXXX, 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint after noticing an unauthorized inquiries and inaccurate personal information on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-08 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: GA

Complaint narrative:
I have reached out to WF CRD SVS for a the original singed agreement document.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Source Receivables Management LLC
State: AZ

Complaint narrative:
I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I got the XXXX credit card I only spent XXXX dollars when I got the card in store. They mailed it to the wrong address to start with I asked the card be canceled and billing information sent to me. I still have not received anything from the company. And now they say I owe over XXXX on a card that had an original XXXX limit I already have XXXX missed calls from them today and it XXXX they usually call me every XXXX mins from different phone numbers. I have asked them to stop calling me and harrasssing me have explained to them that I tried to pay it and no one has sent me the information to be able to pay it I never received a pshyical card. Now my health has taken a turn for the worse and XXXX cant work I have XXXX XXXX and XXXX problems that has made it hard to live daily life with out assistance. And this company is charging me for money I do not owe and harassing me a lot. What they are doing is not right and completely unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX and XXXX. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX and XXXX. Please see screenshot attached : Sincerely, 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 2024-05-08 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Ive had an account with chime since XXXX they are discriminating me. I had direct deposit for XXXX an a half years my spot me never rosed from {$20.00}. Plus theyve been taken my funds from savings without permission to transfer in ethier checking or under there credit acccount. This been taken my direct deposit putting in there credit account without my concent, once in XX/XX/XXXX I caught on to there wrong doings. I assure you the day I spoke to them about they credit account had glitches they switch policy of how they deal with the credit accounts which made it to where they front you money wen you dont have it like a credit line which was a lie. They take money from ur direct deposit and cover the cost u spend out your own money the month XXXX current month that wasnt fair at all. Now I cant read or dispute anything because my account cant read any of my transactions which leads every dispute denied. They only owe me {$900.00} thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MI

Complaint narrative:
On XX/XX/XXXX an account was fraudulently opened with XXXX with a balance of {$1400.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX on my credit report as a charge off. 

I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-05-08 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Account is over 7 years. Account with XXXX XXXX is null and void

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation