vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I am filing this complaint against Experian for failing to investigate and correct inaccurate payment information on XXXXXXXX XXXX XXXX XXXX, despite multiple disputes. On XX/XX/XXXX, I disputed these inaccuracies, followed by a second dispute on XX/XX/XXXX. However, the errors remain on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The accounts in question are from the Office of the Attorney General ( OAG ) and include XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX, and XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX. The date last active is also inaccurate. The date last active is also inaccurate. Despite my multiple dispute submissions, Experian has failed to conduct a reasonable investigation as required by FCRA 1681i and continues to rely solely on creditor-provided information without independently verifying its accuracy. This failure to investigate and correct the errors violates the precedent set in XXXX XXXX XXXX XXXX, which requires credit bureaus to perform reasonable investigations rather than blindly accepting creditor data. Your company 's actions constitute negligent non-compliance with the FCRA and have caused harm to my credit standing. I respectfully requested the FTC to investigate this matter and ensure Experian complies with the FCRA. Attached are copies of my dispute letters to both the FTC and Experian as well as documentation of the incorrect payment histories for 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 2024-12-10 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: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Commercial Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX. 
TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am writing to request these inquiries are removed from my credit report. of the following information that appears on my TransUnion Consumer. I have NEVER requested credit from the following accounts : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : Debt Recovery Solutions In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CA

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 2024-12-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
The issue started in XXXX when I was on short term XXXX after being in a car accident. Wells Fargo said they would work with me and offered me the option to make partial payments. I made all of those payments but they still reported to the credit bureau that I missed 12 months of payments. This tanked my credit score and made it impossible to do any refinancing, and also affected a government job I had. A few years later ( XXXX ) I left said government job and needed assistance while in between jobs. I made the trial payments of the loan modification, and then at their direction I stopped making payments until the modification is complete because they told me it would mess up the modification. It actually caused the modification to fall through and I fell even further behind. I've tried multiple modifications and they have always found some excuse to not go through. Recently I am working out of state, and was applying for some assistance just to get current, and they informed me to wait for the VA options to become available, so I did. They ( Wells Fargo ) denied my eligibility for the better VA option because I'm not occupying the home ( I'm working out of state, my wife and daughter are in the home ). I contacted the VA and they informed me that working out of state is not a reason for denial. Wells Fargo refuses to reverse their decision, and has also continually told me conflicting information throughout this process : such as not informing me of a decision via email, and one agent reads the email that was supposedly sent to me over the phone ( it was never sent ), while the next agent I spoke to said no email was ever sent. They refuse to work with me and the only modification I'm approved for ( even though the VA says I should be approved for others ) is one that raised the interest rate to an insanely high amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, Upon receiving a letter from your Bank of America XXXX XXXX XXXX XXXX, I have called its customer service number XXXX regarding the case number XXXX on my account ending in XXXX. I have not reached to the customer service representative at all. Previously, I have checked my online account, I could not find out the case number XXXX. Concerning the past problem with the bank, there is only one claim which I made in XXXX. That was the regarding the charge back by your bank service representative amounted {$31.00}, which I deposited after XXXX XXXX fair in XXXX XXXX, XXXX. The check was signed by the resident in XXXX, XXXX. The telephone number written on the check was XXXX. I tried to contact with her by the phone message on XXXX ; however, there was no answer from her. Therefore, the meeting to receive the cash amounted {$31.00}. Since I believed the letter wanted me to convince, I have chosen the service of the dispute. Surprisingly, the voice record told me there was some dispute which had resulted on XX/XX/XXXX with the dispute ending number XXXX. I have not recognized this dispute number at all. I do not have any record from your bank ; therefore, I feel the scam in this case. I request the investigation to explain me what the dispute is ending XXXX which resulted on XX/XX/XXXX or XXXX along with the issue of the above mentioned charged back or the check account which did not have the satisfactory fund to pay only {$31.00} in cash.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: LA

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 explanation
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRES : 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 explanation
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
Unauthorized data appearing on my credit report is a serious issue that must be resolved. I did not consent to this information being included, and it is unjustly harming my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX your XXXX XXXX XXXX XXXX account status changed from " Current '' to " 30 Days Late ''. 

But on my payment history there was a payment recorded for XXXX XXXX XXXX and processed on XXXX XXXX XXXX 

This information is incorrect and has negatively effected my credit report and I have disputed this issue several times at this moment with no momentum towards a solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I recently reviewed my credit report, and I was deeply distressed to find several discrepancies that could significantly impact my financial well-being. Upon closer inspection, I discovered unverifiable, inaccurate, and outdated information that has been reported by your agency, which I believe was not properly verified or validated. 

As per the Fair Credit Reporting Act, all information on my credit report must be accurate and fully substantiated. According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these inaccuracies and unverified items are in violation of the law, as they are not reported with 100 % accuracy. 

For your reference, I have attached copies of all correspondence related to this issue. I kindly request a prompt review and correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am filing a complaint against The XXXX XXXX XXXX to a store credit card I used to purchase furniture from them. XXXX years ago, I made a purchase under a payment plan with a promotional offer that if the balance was paid in full by XX/XX/XXXX, there would be no interest and the whole balance would be paid off. The total payment plan was for 24 months at {$450.00} per month. 

I have made every payment on time, and my payments were set on autopay as agreed. A payment was supposed to be taken out on XX/XX/XXXX but an auto payment of {$450.00} was automatically deducted on XX/XX/XXXX, and the final amount owed was {$490.00}. However, I am now being charged {$5300.00} in addition to the {$43.00} remaining balance, despite the fact that I have been paying on time in good faith to meet the terms of the promotional offer. This new amount seems excessive and unreasonable. 

I believe this charge is incorrect, as the balance should have been cleared once the {$490.00} was paid, leaving only the remaining {$43.00} to be charged. I should not be subjected to an additional {$5300.00} due to a small remaining balance of {$43.00}. This feels like an unfair and misleading practice, especially since I followed the terms of the payment plan and made every effort to pay on time. 

In addition, if there are any legal actions I should pursue to have this issue resolved, I would really appreciate if the CFPB can guide me to get the process going.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I strongly dispute the validity of this account reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information as from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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