vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-21 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my 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 explanation
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
don't recognize these inquiries i asked credit bureaus to remove them but they didn't remove them i am providing identity theft report which ill attach, and I am requesting to remove them because they are inaccurate and 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 non-monetary relief
Consumer complaint received 2024-12-21 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: VA

Complaint narrative:
I'm disputing this account on my Experian report because I believe there is an error. According to the Federal Trade Commisions ' guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the creditor/ collection agency to no avail, and I would like to request that Experian investigate this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I sent a letter requesting the purchase agreement for the account ( s ) in question to validate the debt. I have never done business with this company, yet they are reporting a negative account on my credit report. To date, I have not received the information requested. This is a violation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MI

Complaint narrative:
I sent a letter requesting the purchase agreement for the account ( s ) in question to validate the debt. I have never done business with this company, yet they are reporting a negative account on my credit report. To date, I have not received the information requested. This is a violation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX and XX/XX/XXXX are inaccurate. My payment history reflects consistent on-time payments, and I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Summary of Errors and Discrepancies : The account reflects late payments in XXXX and XX/XX/XXXX, which are inaccurate. 
Payment history should reflect 100 % on-time payments. 
The discrepancies misrepresent my creditworthiness and violate consumer protection laws. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX my Wells Fargo debit card to make a purchase on a website that later turned out to be a scam. The website failed to deliver the product, and despite multiple attempts to contact them, I received no response. 

As a result, I filed a dispute with Wells Fargo to resolve the issue and recover the amount, which was approximately {$1000.00}. Unfortunately, Wells Fargo denied my dispute request and did not resolve the matter. 

I would appreciate further investigation and assistance in resolving this issue.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Over the past year, I have been a victim of identity theft and fraud. I have had XXXX major credit cards affected as well as XXXX of my checking account. The complaint I would like to make is in regards to my American Express XXXX XXXX XXXX XXXX. 
My credit limit with the credit card was {$8500.00}. There were fraudulent transactions occurring on my account for XXXX year with several recurring payments from September 2023-September 2024. American Express did not catch these fraudulent charges, and I unfortunately accrued a balance of close to {$6500.00}. Had Amex have had a better fraudulent detection on my account, I would have received the assistance to report them sooner. Nonetheless, XXXX XXXX  of this year I reported all of the fraudulent charges. Amex was able to remove all of the charges on my account, but in addition, they reduced my credit limit to {$1000.00}. This has affected my XXXX XXXX thoroughly, and I wish that they did not do this. I explained to them my thanks for removing the fraudulent charges and I disputed the credit limit decrease. They denied my credit limit dispute but could not seem to provide me with a good explanation to why. When talking with several customer service representatives about this, they just said it was due to the high number of transactions on my account and my XXXX score. I explained to them that the high number of transactions were due to the fraudulent transactions on my account and that I should not be penalized for this. In addition, my XXXX score was affected throughout the year the fraudulent charges occurred, by since XX/XX/scrub>XXXX XXXX  I have since recovered my XXXX score from " poor '' to " good '' since the identity theft and fraudulent claims have been resolving. I explained that the decrease in my credit limit was also going to worsen the progress I have made. I kept being told by customer service to " just wait 30 days and request a new credit limit increase '' but no one seemed to understand that I was unfairly penalized by having the credit limit lowered in the first place. 
It seems like Amex is not doing a consistent, thorough, and holistic review of this situation. 
It is also extremely strange that Amex decided to lower my credit limit AFTER I reported fraudulent transactions and not DURING the period the fraudulent transactions were being done on my account. This is likely because of the poor fraud detection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was instructed by the call center to email my grievances to this email address. I was applying for a new line of credit and noticed my credit report showed an OUTSTANDING balance with AFFIRM , INC . 

I called to inquire, but there is NO info associated with my name, DOB, phone #, or address. Even if I wanted to pay off this small amount, I couldn't because there is NO STATEMENT. I believe that my SS # was fraudulently used, but customer care wasn't able to look that info up. 

Please help me? My credit is getting dinged for no reason. I have a screenshot and a credit report via XXXX. 

Here is my personal info : XXXX XXXX Account # XXXX ( from credit report ) DOB : XX/XX/scrub>XXXX SS : XXXX Register email : N/A ( fraud ) Register Phone # : N/A ( fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed information that was to be removed within 4 day by XX/XX/XXXX Equifax had closed and denied the dispute without contacting me. They also re-added information to my credit profile that had already been deleted and the proper documentation needed had been previously submitted. To resolve the issues I spoke with XXXX # XXXX with on XX/XX/XXXX @ XXXX. Today is XX/XX/XXXX @ XXXXXXXX XXXX and Equifax still has not corrected the errors. In this event they do not have 25 days to respond because they already had all of the correct supporting documentation and my account was noted prior to XX/XX/XXXX. They have failed to correct the record in the time frame allowed by law. 

From Equifax : Confirmation # XXXX Dear XXXX XXXX, We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking. For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file : To determine the outcome of your request, Equifax reviewed your request, the accompanying documentation, the requirements of Section 605C of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. Equifax also attempted to resolve the deficiencies with your submission by sending you two notices, but we did not hear from you or you were not able to resolve the above issues in enough time to complete your request. If you have questions about the outcome of your request, wish to appeal the outcome, or want to submit a new request with the completed documents, contact us at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To submit a complaint to the Consumer Financial Protection Bureau, visit consumerfinance.gov/complaint. If you need other assistance with your Equifax credit file, contact us at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX or visit us at equifax.com/personal/credit-report-services/. Thank you for the opportunity to assist you. Equifax Information Services LLC The appropriate documentation was uploaded at the time of the dispute and therefore was sufficient to have the adverse information blocked within the 4 business days according to 15 U.S.C. 1681c-2 and 3. Additionally, this information above was already once requested and blocked and as of XX/XX/XXXX has been added back to the credit report, this is also a violation of 15 U.S.C. 1681c-2 and 3.

Please block all of this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act and 22 U.S.C. 7102 ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.

Please send me a notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
IN XXXX I REQUESTED THAT THE INFORMATION BE CORRECTED VIA A LETTER AND THE RESPONSE WAS THAT THEY WOULD NOT PROCEED TO DO 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 explanation
Consumer complaint received 2024-12-21 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: MS

Complaint narrative:
Under frca you can seek statutory damages if a creditor furnisher inaccurate information about a debt such as incorrectly reporting a charge off while still claiming I owe the debt that's against the law. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX, XXXX - {$12.00} monthly maintenance fee XX/XX/XXXX, XXXX {$12.00} monthly maintenance fee XX/XX/year> - {$12.00} monthly maintenance fee They did, issue a credit for XXXX $ however I'm wanting credit for XXXX. And to prevent future charges for monthly maintenance fee. Since I have direct deposit set up.

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 monetary relief
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 
XXXX - XXXX The following inquiry was not authorized and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 non-monetary relief