vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a serious discrepancy that has been identified in the reporting of a charge-off account on my consumer reports. As a diligent consumer, I have discovered conflicting information regarding SEVERAL ITEMS associated with this account, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. There are inaccuracies with - *charge off amount *Date updated amount *Date closed *delinquency date ( s ) *high balance amount How could one possibly verify the validity of such a report wit so many inaccuracies!

The FCRA mandates that consumer reporting agencies must maintain accurate and complete consumer credit information. Section 1681 of Title 15 of the United States Code explicitly states that consumer reports must present a consumer 's credit profile in a manner that is consistent across all consumer reporting agencies. However, the conflicting last payment dates provided by your agency create inconsistency and inaccuracies in my consumer report, thereby violating my rights under the FCRA.

Furthermore, this discrepancy not only constitutes a violation of federal law but also undermines my ability to assess and manage my credit profile accurately. As a consumer, I have the right to access reliable and consistent credit information, free from errors or discrepancies that could adversely impact my financial well-being.

Therefore, I am formally requesting that your agency take immediate action to rectify this violation of the FCRA by ensuring that my consumer profile is consistent across all consumer reporting agencies. Specifically, I request that the item be removed from my consumer report on all reporting agencies including the primary three, ( XXXX, XXXX, and XXXX ). Also, to include secondary and tertiary reporting agencies. 
as its inaccurate reporting has caused undue confusion and detriment to my creditworthiness. This request is made in accordance with my rights under the FCRA and other relevant consumer protection laws. 

I expect a timely response to this matter within XXXX  days and prompt removal of the credit in my consumer report. Failure to take appropriate action to address this violation of federal law may result in further legal recourse to protect my rights as a consumer.

Thank you for your attention to this urgent matter. I trust that you will act swiftly to rectify the inaccuracies and ensure compliance with the FCRA. 

Sincerely, TM

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 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I switched from XXXX to XXXX about XXXX years ago. Everything was up to date back then. Since then, I have never once received a call, letter, text, email, etc from them stating that there was a bill owed. Recently ( 4 years later ) I've noticed a ding on my credit report. It's from a debt collector called Credence. I called them and they explained that it was XXXX and told me that if I paid half right then over the phone then they would write it off. That seemed sketchy to me so I decided to do my own research. I then call XXXX and they said they have no record or knowledge of that debt. I don't know what to do because if I truly owed the money then I'd happily pay it. I also don't want it on my report and I don't want to fall for a scam if that's what it is. I called XXXX and they pointed me here. 

I also find it odd that the Credence collections account was created just a few months ago, years after I switched from XXXX. Why would it take XXXX years to send that bill to collections?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
DO NOT SEND ME A COMPUER GENERATED LETTER OR ASKING FOR IDENTIFICATION IT WILL BE AN AUTOMATIC XXXX FEE On XX/XX/year> complaint number XXXX I requested that certain accounts be removed from my credit report that I did not authorize. On XX/XX/year> I received a letter at my mailing address that Equifax was unable to locate my credit file in their database with the identification information that I provided. I believe this to be a stall letter on their end to gain more time to investigate. On XX/XX/year> I received an email stating that my report has been updated. I do not believe that a thorough investigation was did because they claim they could not find my credit file. The alleged investigation that was did is still reporting inaccurate and incomplete information. I would like visual proof of communication to who was spoken to at these companies to verify the information. I would like their names, and title. I know for a fact I have NO contract with XXXX for them to be reporting on my behalf nor was any authorization given. All inquiries that are not attached to an open account have never conducted business with me. As far as XXXX inaccurate and incomplete information is still being reported. Please provide me with documentation of who was spoken. Equifax is continuing to defame my character and cause me physical, mental, and emotional harm by not conducting an investigation and sending me computer generated letters. I have been identified unless my report would not have been tampered with. You can't claim to not find my credit file but then go in and change it. Please do not send me anything else computer generated or asking me for identification, if so, there will be a XXXX fee that needs to be paid on top of the previous amount for not fully investigating and. Equifax is continuing to violate multiple FCRA violations. 

YOU STILL HAVE 30 DAYS FROM THE ORIGINAL DISPUTE XX/XX/year> This matter was NEVER investigated and a computer-generated letter was sent out to get more time in case time went by which is another violation per FCRA. 

Note : ONLY the consumer can give accurate information I have no written agreement for ANYTHING on MY report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Im unaware of this debit I never had an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name and signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of information that's on my credit report, According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
I have contacted all 3 bureaus and informed them all that 1. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a 1099 for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
2 XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
3. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!

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 2024-03-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to bring to your immediate attention a highly distressing matter regarding my New York and Company credit card account. Regrettably, despite my repeated attempts to resolve this issue, I have yet to receive any satisfactory resolution from Comenity Bank, the issuer of my credit card. 

In 2021 my New York and Company credit card was unlawfully compromised by an unauthorized individual. Despite promptly reporting this fraudulent activity to this company, relevant authorities, including the FBI Internet Complaint Center and all three major credit bureaus, and submitting a prior complaint to the Consumer Financial Protection Bureau ( CFPB ), the situation remains unresolved. 

The unauthorized user made substantial purchases using my credit card, resulting in a significant financial burden. Despite my diligent efforts to mitigate the impact of this fraud, New York and Company continues to charge and bill me for these fraudulent transactions. Moreover, for the past three years, I have been inexplicably locked out of my online account, rendering me unable to make payments or access essential account information. 

Furthermore, I have not received any written billing statements or been issued a replacement credit card. This lack of communication has made it exceedingly difficult for me to keep track of payment due dates, leading to recurring very high late fees and additional financial strain. As an individual with a documented disability that affects my memory and concentration, this oversight has had a profoundly detrimental impact on my financial well-being and health. 

I implore you to urgently investigate this matter and take immediate corrective action to rectify the situation. I request that you : Cease all billing for fraudulent transactions immediately. 
Provide me with a detailed account of all charges incurred on my credit card since the fraudulent activity occurred. 
Issue a replacement credit card and restore my access to the online account management portal. 
Waive all late fees accrued as a result of the failure to provide billing notices and account access. 
Implement measures to prevent similar incidents of fraud in the future and enhance customer account security protocols. 

Failure to address these concerns timely may compel me to escalate this issue through additional channels, including legal action and further complaints to regulatory authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-03-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Equifax requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have significantly impacted my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I did not receive a response back from Equifax with the investigation results. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I have made diligent efforts to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report. 


I kindly request your immediate attention to this matter and ask to be kept informed of any progress made in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
I am formally requesting the removal of this inaccurate late payment from my account. My payment history demonstrates consistent timeliness, and it is unjust for me to face repercussions for an error beyond my control. I respectfully ask that you promptly update my account to accurately reflect the correct information..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX - {$300.00} XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX {$330.00} XXXX XXXX XXXX Acct # : XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX Acct # : XXXX - {$300.00} XXXX  XXXX XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX XXXX {$650.00} XXXX Acct # : XXXX - {$1400.00} XXXX XXXX  XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: NJ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-13 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
According to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.

42 USC 408 asking for anyone 's social security number on any loan is double dipping and fraud which is a violation of RICO We the people are the credit and the debt the moment of signing you received your currency twice. According to my 1666 account. Several crimes have been committed and everyone will be held accountable. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief