vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXXXX XXXX XXXXXXXX

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: WI

Complaint narrative:
In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX sold my account to Credit Bureau Systems without my written permission or knowledge.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hatfield, Inc.
State: TX

Complaint narrative:
Grid is currently erroneously reporting late payments on my account to the credit bureaus. The late payments were due to an ongoing issue on the part of the company. All activity on the account was frozen and I was not at fault for the delay in payment. The companys app and website had a continuous block on adding or moving money for several months and there is no method of reaching customer support outside of an in-app chatbot. The company also does not provide monthly statements, despite offering credit products and holding consumer funds in an account. 

In addition to these errors, the company has owed me money for almost a year while still collecting a monthly fee from my checking account for services I was not receiving. 

The companys irresponsible use of my consumer financial data in credit reporting is currently preventing me from obtaining a mortgage. After multiple conversations with customer service, I was able to clear the balance and close the credit account but these errors are still being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: NY

Complaint narrative:
The information submitted by the company is not visible. I request that the company provide all the information they have related to my identity and make it accessible so I can verify it. I have lived in New York City my entire life and have only purchased XXXX XXXX XXXX XXXXwhich was included in my bankruptcy. The car was priced at approximately {$20000.00}. 

The loan from this company is for {$50000.00}, but I have never purchased a car worth that amount, nor have I ever done business with a company by this name. This account was opened fraudulently, as I have never purchased a car in New York beyond the one previously mentioned.

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 2025-02-20 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of a hard inquiry listed on my credit report from OneMain Financial, dated XX/XX/year>. After reviewing my credit report, I believe this inquiry was made in error, as I did not authorize or apply for any credit with OneMain Financial on this date. 

I have no records or documentation indicating that I initiated a request or application for credit with OneMain Financial. As this inquiry was made without my consent or authorization, I respectfully request its immediate removal from my credit report to ensure the accuracy of my credit history. 

Please investigate this matter and take the necessary steps to have the inquiry removed. I would appreciate your prompt attention to this issue, as it is negatively affecting my credit score. If you require any further information from me to assist in resolving this matter, please feel free to contact me. 

Thank you for your time and cooperation. I look forward to your timely response and confirmation of the removal of this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> {$1300.00} was fraudulently debited from my account. I contacted my bank, chime bank and disputed the charge. The bank said there was no error. I escalated the matter and requested the evidence they used to determine they was no error. The evidence they gave me did not justify or prove there is no error. After this the bank refused to refund me the money and did not respond to the matter any more. The transaction was from an apartment complex in XXXX. I live in XXXX XXXX XXXX I dont know anybody in XXXX  XXXX The transaction was obviously fraudulent and at the time this happend it put in a financial hard ship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Credit Bureau Name [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and correction of the following incorrect information. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off with a balance of {$540.00} Inaccuracy : The account is reported as a charge-off with a balance of {$540.00} still due, yet the balance is also noted as written off. A charged-off account should not still reflect a due balance, as charge-offs are categorized as losses by the creditor. This creates an inconsistency that violates FCRA guidelines regarding accurate reporting. 

I request that this error be corrected by either removing the charge-off status if the balance remains or updating the balance to {$0.00} if the charge-off stands. Please provide documentation verifying the accuracy of the reported information. 

Enclosed, I have included a copy of my credit report with the inaccurate information highlighted. If this information can not be verified within 30 days, I request its immediate deletion from my report per FCRA guidelines. 

Please confirm receipt of this dispute and provide written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
Transunion is reporting an account incorrectly the account listed as XXXX XXXX XXXX / XXXX XXXX has several late payments that do not match up with the other XXXX credit reporting agencies. Transunion is reporting late payments from XXXXXXXX XXXX  but XXXX is reporting late payments from XXXX XXXX. Neither credit bureau can verify rather this information is correct. Transunion also refuses to provide the source from their investigation. The law is clear that they are required to disclose this information. Instead their response is only verified as accurate with no other information. Tell me exactly how you are verifying this information and with who because this is a violation of my right to privacy and I will have to sue to protect my consumer rights. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2025-02-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have sent numerous letters requesting the purchase agreement and other supporting documentation. They have not sent what I asked for our any evidence that they own the Debt. They are now reporting the account as " OPEN '' which is clearly a FTC violation under 15 US Code 1681S-2. That is not accurate information. They have violated my rights and the Law. I want this removed from my credit reports immediately. It is causing a hardship in an already hard economy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inaccurate inclusion of a XXXX on my credit report. I have obtained an official letter from the court that clearly states this XXXX should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a credit card with Wells Fargo that was charged off in XX/XX/XXXX so card was closed and I had no access to spending as of then. Now XX/XX/XXXX I noticed an update on my credit report that around {$2000.00} were added on to the amount that was charged off. I already submitted a dispute with XXXX regarding my concern with possible fraud or identity theft but the dispute outcome was my credit report unchanged. I spoke to both Wells Fargo and the third party debt collector that my account was sent to but neither company was able to explain where the additional XXXX dollars came from or why this adjustment was made on my credit report. All I was offered by the third party debt collector were statement for the year of XXXX up until XXXX since that is when the card was charged off and access to spending was relinquished. Which does not resolve anything being as the new charge is from XX/XX/XXXX. It has been 2 weeks since I spoke to the third party collector and I have yet to receive anything from 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a police report of stolen identity and have been frauded off and on for over 5 years

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 2025-02-20 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) credit systems balance {$590.00}, XXXX XXXX XXXX XXXX balance {$5900.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$800.00}, XXXX XXXX XXXX balance {$350.00}.

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 2025-02-20 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: LA

Complaint narrative:
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 U.S.C 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602A.states I have the right to privacy.15 usc 1681 602 A.also states a consumer Reporting agency can not furnish a account without my written instructions. 15 usc 1681 ( ax5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other than records convictions of the crime which antedates the report by more than seven years.15 USC 1681g-2 ( A ) ( 1 ) a person shall not furnish 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