vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: AZ

Complaint narrative:
I have inquiries on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: AZ

Complaint narrative:
I have inquiries on my credit report that I do not recognize

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 2024-11-12 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: GA

Complaint narrative:
I went back and forth via email with XXXX XXXX during the Hurricane to catch up an account that was approaching XXXX  days but I couldn't update the payment information because I couldn't get some banking things cleared up. Additionally, the item was damaged in the storm so I was trying to get insurance information that was on my account. Email customer service was no help and I couldn't get anyone on the phone. Nevertheless, I caught the account up. Almost a week later after that payment that brought everything current, my credit report now show a XXXX  day late payment. I do not believe this is fair given the circumstances and XXXX bankruptcy has taken customer service offline so it's hard to get 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 non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management Inc - XX/XX/year> - {$1500.00} + XXXX - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report affiliated w/ ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency Experian is in clear violation of the FCRA 623 ( a ) for reporting data on my consumer report that is inaccurate and not in metro 2 compliance. I sent them a notice of their many violations on ( XXXX ) to then get no response or notice of their investigation into this inaccurate data on my report. I sent another notice of their violations on ( XXXX ) and Experian still refuses to open a dispute, put a notice of dispute in the comments pursuant to FCRA 623 ( A ) or comply with the law.

According to 15USC1681 ( e ) it is their obligation as a consumer reporting agency to ensure maximum accuracy reported on my consumer report. The following data is inaccurate and must be removed - company : XXXX XXXX XXXX XXXX - Account Number Listed : XXXX - I dispute this account because the agency failed to furnish a notice of dispute within 30 days pursuant to FCRA 623 ( a ) and they're showing the last payment made was made on ( XX/XX/XXXX ) but in the payment history it shows on time payments were made from ( XX/XX/XXXX ) to ( XXXX ). 
Company : XXXX XXXX XXXX - Account Number Listed : XXXX dispute this account because the agency failed to furnished a notice of dispute within 30 days pursuant to FCRA 623 ( A ) and they're showing the last payment made on ( XX/XX/XXXX ) but the payment history shows inconsistent data with late payments from ( XX/XX/XXXX ) through ( XX/XX/XXXX ). I dispute the account XXXX XXXXXXXX XXXX XXXX - Account number listed - XXXX - because the agency did not furnish a notice of dispute within 30 days and they reported my last payment made on ( XX/XX/XXXX ) but in the payment history it shows my last payment made was on ( XX/XX/XXXX ). Company : XXXX XXXX - account number : XXXX - Agency did not furnish notice of dispute within 30 days and states last payment was made on ( XX/XX/XXXX ) but in the payment history ( XX/XX/XXXX ) - ( XX/XX/XXXX ) is reporting as late.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXXXX*********** Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX  # XXXX Account XXXX : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/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 2024-11-12 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 was in the market for purchasing a car. 
3 inquiries were made on my credit report For the same reason on the same day.

Yet my credit score took a drop in score for each inquiry. If i am correct, when its in a certain time frame it only counts as on hit. Which raised my inquiry total as well which also drop my score.

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 2024-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I got a credit alert notification from XXXX that capital one on XXXX XXXX  rain a hardcopy I contacted XXXX express to them. My concerns I was able to put a freeze but they advised me to contact and call number for capital one I contacted that number was kind of unable to get a direct response to my specific question was Credit extended in my name they kept bouncing me to different departments where I ended up in the either collections or charge off department when I expressed to them that wasnt me or Id have no reason to believe why or how this was related. We came to the terms it was unsolvable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  SS XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo reporting delinquent payments This account has been sitting idle for XXXX years On XX/XX/2024 I traveled to XXXX SC XXXX XXXX and personally closed this account. I was issued a cashiers check for checking account in the amount of {$170.00} and a second for savings for {$3.00}. Leaving {$370.00} line of credit which the bank said would return to Wells Fargo as unused. They are claiming they transferred funds into my account which is closed. Now every time I use my XXXX cards I get alerts for potential transactions to be declined. 
I did everything they asked me to do. All Wells Fargo accounts were closed. 
Thank you for your assistance XXXX XXXX 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

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 USC 1681.

15 U.S.C 1681 section 602 A. 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 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: TN

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-12 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: CA

Complaint narrative:
I am a victim of a data breach and am writing to request the blocking and deletion of the following accounts and inquiries from my credit report, as authorized under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). In order to protect my personal information and prevent further harm, I ask that these entries be removed immediately. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$7200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3300.00} Inquiries to be Removed : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
My account was closed with no explanation. When I tried to reopen I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
XXXX investigated and found certain accounts on my report needed to come off of all of my reports. However, Equifax and XXXX have yet to comply with these findings and it is damaging my report, not allowing me to obtain housing and transportation. According to the FCRA, if one credit bureau removes a negative account after an investigation, all three bureaus have to remove said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as provided by your bureau, specifically regarding the account with XXXX XXXX. After reviewing my credit report, I have found numerous inaccuracies and late payment entries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

# # # Inaccuracies Identified : 1. Account Status : The account is reported as " CHARGE_OFF, '' which does not accurately reflect my payment history and the status of this account. 
2. Payment History : The reported payment history shows multiple late payments ( 30, 60, 90, and 120 days past due ) that are incorrect. I have made payments in accordance with the agreed terms and have documentation to support this. 
XXXX. Reported Balance : The reported balance of {$21000.00} does not reflect the payments I have made, and I dispute this amount as well. 

# # # FCRA Violations : These inaccuracies are in direct violation of the following provisions of the FCRA : - Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The inaccuracies in my file indicate that this requirement has not been met.

- Section 1681i : This section grants consumers the right to dispute information in their credit reports and requires bureaus to conduct a reasonable investigation of those disputes. Given the inaccuracies in my report, I expect a thorough review and rectification.

- Section 1681s-2 ( a ) : This section outlines the responsibilities of furnishers of information to provide accurate information. XXXX XXXX has failed to do so, as reflected in your reports. 



# # # Address Removal Request : Additionally, I request the removal of my previous address : I require written confirmation that these inaccuracies and outdated addresses have been removed from my credit report. Should you fail to comply with these demands, I will pursue all remedies available to me under the FCRA, including, but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action.

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