vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Complaint : I am writing to formally dispute inaccurate information that has been reported by both XXXX Innovis and XXXX on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to dispute and demand the correction or deletion of any inaccurate or incomplete information on my consumer report.

Per FCRA 15 U.S.C. 1681i ( a ), upon receiving notice of a dispute from a consumer, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

The information being reported on my file is incorrect and does not reflect my current or accurate status. I request an immediate investigation and correction of these inaccuracies. If you are unable to verify the disputed information as accurate, I demand that it be deleted from my record, as required by law.

Please provide written confirmation of your receipt of this dispute within 5 business days and inform me of the results of your investigation within 30 days, as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
im a victim of identity theft pursuant to FCRA SECTION According to 15 U.S.C. 1681c-2, I am entitled to request that you block the reporting of any information that is a result of identity theft. I expect that you will complete this request within the required timeframe of four business days. According to the Fair Credit Reporting Act ( FCRA ), Section 605B requires consumer reporting agencies to : Block fraudulent information Within four business days of receiving the required information, block any information in a consumer 's file that the consumer claims is the result of identity theft.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Complaint : I am writing to formally dispute inaccurate information that has been reported by both LexisNexis XXXX and XXXX on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to dispute and demand the correction or deletion of any inaccurate or incomplete information on my consumer report.

Per FCRA 15 U.S.C. 1681i ( a ), upon receiving notice of a dispute from a consumer, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

The information being reported on my file is incorrect and does not reflect my current or accurate status. I request an immediate investigation and correction of these inaccuracies. If you are unable to verify the disputed information as accurate, I demand that it be deleted from my record, as required by law.

Please provide written confirmation of your receipt of this dispute within 5 business days and inform me of the results of your investigation within 30 days, as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I had sought medical treatment through a company called XXXX XXXX. I then received an XXXX through XXXX XXXX which I have paid for in full. I then received charges from a company called XXXX XXXX XXXX XXXX that apparently owns the building and they mentioned that I have to pay them facility fees as well as other fees. I had never heard of that company nor did I seek medical treatment them.

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 2024-11-14 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
My ex girlfriend opened up credit cards and bank accounts in my name paid them for a whole lived as me and bounced Checks in my name Im ruined and no one will help.

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 2024-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX, {$1800.00} was erroneously taken from my savings account because I had not recertified my income as I was on PAYE, an IDR and was put on the standard repayment plan. However, per federal regulations I was not due to recertify at that time. Since then, MOHELA has corrected the error of being put on the standard repayment plan and I have not needed to recertify, but I have made more than ten calls, each lasting hours on end, with no resolution to try to get my money back. Most recently on XX/XX/XXXX I was still not able to resolve the issue on a call to MOHELA. It has been more than half a year and I would like to escalate the situation. I have tried to make a complaint today as well on studentaid.gov, but after multiple attempts at submitting I get an error message every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.

The details of the disputed account are as follows : Account Name : XXXX Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most.

I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry.

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed.

Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My credit card expired XXXXthe wells Fargo mail a new card to me.unfortunately I didnt receive new card.the card was lost or stolen.two weeks later I received an alert from bank .some one use the card purchased at XXXX XXXX amount $ XXXX.I reported Wells Fargo request stop and cancel this card as soon as possible.unfortunately the company deny my dispute.the company told me this card shopping at XXXX XXXX.so they think I should pay.the question is I never received new card.would you please help me with this issue.thank you

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 2024-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
JCS Ref. No.- XXXX for XXXX XXXX XXXX XXXX XXXX. 
I closed this account with XXXX and paid the final closing bill but few months later they started sending me this bill for {$2500.00} which I do not owe them. I have called XXXX to stop and clear my account, but they gave to another collection agency with wrote them that I do not owe this money. 
And now after almost a year they gave it to another collection agency to harass me again. This needs to stop or I have to file a lawsuit. I am writing to XXXX again to stop and clear my account for good. 
Thanks! 
XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Personal
Information : Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX  Account Number : XXXX The date of last reported is inaccurate, date of last payment is still inaccurate, and date last active is incorrect amongst all bureaus. 
Ive already disputed this account with CFPB & with Experian Report Number ( Dispute ) : XXXX. Nothing was sent to me to legally verify this account, nor was it corrected by all 3 Bureaus following the dispute which came back as verified, and your updated information still does not show accuracy under FCRA Law. This is a clear violation of the FCRA as this is still not accurate or complete information you are reporting about the account. CFPB COMPLAINT WILL BE REOPENED DUE TO NEGLIGENCE AGAINST CREDITOR TO REINVESTIGATE AND PROPERLY VERIFY THE INACCURACIES REPORTED FROM DEBT COLLECTOR AND OTHER BUREAUS.

This is already a violation of 15 USC 1681e ( b ) under GRAMM LEACH-BLILEY-ACT Failure to comply

would be another violation under 15 USC 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information VIOLATION OF CONSUMER RIGHTS ALLOWS ME TO BE ENTITLED {$1000.00} PER VIOLATION I LISTED AFTER YOU FAILED TO VERIFY MY INFORMATION PROPERLY Experian Prior Dispute was sent via regular mail and a second hand written letter will be attached to CFPB COMPLAINT.

DELETE THIS COLLECTION ACCOUNT 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MO

Complaint narrative:
On XX/XX/year> we purchased a new vehicle from a dealership in XXXX Missouri. Before we started the credit application process, we asked that the dealership not run our credit through a bunch of lending institutions, and they were advised to limit to a max of 4 locations. They disregarded our request and I now have a total of 12 hard inquires listed on my credit report all but 2 were related to auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: BARCLAYS BANK DELAWARE

Complaint narrative:
I recently submitted a report aiming to clarify incorrect information sent by the credit bureau to my email. I am writing to dispute an error on my credit card statement formally. Although I requested additional investigation into the matter, it seems to have been overlooked. Please provide prompt attention to this dispute and send a confirmation receipt to keep me informed of progress

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 2024-11-14 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: FL

Complaint narrative:
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 are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection 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.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Dispute of Unauthorized Credit Card Transactions and Reporting Account Number XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the reporting of unauthorized charges on my credit card account with you. My credit card was stolen and subsequently used without my authorization. I promptly reported this theft to the XXXX XXXX Police Department, and a police report was filed under Report XXXX XXXX. A copy of this police report has been previously sent to your department.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have inaccurate or fraudulent information removed from my credit report. Despite providing you with the necessary documentation, my account continues to be reported with the disputed charges. This ongoing reporting is a violation of the FCRA, as well as a misrepresentation of my credit history.

Please consider this letter a formal demand to immediately cease reporting these unauthorized charges on my credit report. Additionally, I request that you provide written confirmation once these inaccuracies have been removed. If this matter is not resolved promptly, I may seek further recourse as permitted under federal law.

Thank you for your prompt attention to this urgent matter. I look forward to a swift resolution.XXXX XXXX social Security number 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 2024-11-14 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: PA

Complaint narrative:
I Made a payment on XX/XX/year> which was returned because of a banking error which prevented the payment from coming out of my bank account. 
( which I explained in a Goodwill letter-sent by certified on XX/XX/year> to the creditor ( XXXX XXXX XXXX ) still with-out a response from them to this day ) the creditor ( XXXX XXXX XXXX ) reported my account 30 Days late for XXXX on my Experian credit file? According to : 15 U.S. Code 1666b - Timing of payments. The creditor ( XXXX XXXX XXXX ) never in formed me that they were going to take this action neither did they respond to my Good-will letter within 5 Days or 15 Days? Please Help, I would like to have this 30 Day late ( XX/XX/year> ) from my Experian credit file. Thank you so Much

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 2024-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX entered into a consumer transaction with Westlake for the purchase of a XXXX XXXX XXXX XXXX in the amount of {$24000.00}. Unknowingly, the transaction was secured by a security interest in the vehicle. 

However, Westlake failed to disclose essential terms, including proceeds from the security interest. I am writing to demand that Westlake immediately cease and desist from any further actions.

The transaction was secured by a security interest in the vehicle, but Westlake failed to disclose essential terms, including : Proceeds from the security interest Westlake 's actions have allegedly violated multiple Universal Commercial Code ( UCC ) provisions : 1. UCC 5-109 : Failure to disclose material facts 2. UCC 3-403 : Unauthorized signature 3. UCC 9-104 : Failure to inform debtor of disposition of funds 4. UCC 9-315 : Proceeds and supporting obligations Westlake 's actions constitute concealment, as they intentionally or unintentionally failed to disclose material information and Breach of Contract.

Due to Westlake 's breach, I have rights in the collateral or the power to transfer rights.

This transaction qualifies as a " consumer transaction '' under UCC 9-102, as an individual incurred an obligation primarily for personal purposes. 

Immediately cease and desist from any further actions related to Account XXXX. Provide documentation correcting the violations within 10 days. Acknowledge receipt of this demand within 5 days NOTICE OF ACKNOWLEDGMENT Pursuant to UCC 1-202f Notice ; Knowledge. You are hereby notified that upon the receipt of the documents herein and of this notice, acknowledgement has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: WI

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 non-monetary relief