vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-29 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: LJ Ross Associates
State: TX

Complaint narrative:
L J ROSS ASSOCIATES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You L J ROSS ASSOCIATES INC failed to validate this alleged debt. 
I refuse to pay this FOR ACCOUNT # XXXX alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 
15FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors USC 1692c ( c ) Ceasing communication FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-11-29 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: WA

Complaint narrative:
I was looking at my credit report and noticed that I have several addresses that do not belong to me nor have I ever lived at the addresses. I have contacted ALL XXXX credit bureaus asking for this to be corrected immediately because the addresses DO NOT belong to me. I sent my driver license in with the correct address and they still haven't removed them off. I filed bankruptcy and I still see accounts on my credit report that should have been removed. at this point I have an attorney involved. trying to get something removed that should have not been there in the first place. I am asking that ALL XXXX major credit bureaus please removed all information off my credit report that is inaccurate or part of identity theft. This should not be as difficulty as it been to have something removed off my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
Im a victim of XXXX trafficking for the last year and have been trying to rebuild my life and my identity. While getting help from the resource center to report my identity theft, I disputed incorrect information that was being reported on my credit file and discovered that for the last XXXX my social security number has been reported incorrectly. I have been denied for credit opportunities because they could not verify my information. I was confident that I was supplying the correct information but was still denied. Also my name was also reported incorrect which also has caused potential credit opportunities for me to be denied. This is unfair practice under the laws that protect 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 non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: FL

Complaint narrative:
I was called on XXXX  2023 by an ace rep to inform me my account have been compromised and the account is closed and a check with my balance will be mailed out. I been calling every other day to check the statues and was inform I cant get a check mailed to me that they will send it back to the depository. I ask why cant I just go to a local store to get my money I worked for and was on the account they say because the account is closed. So then I call again and was told I would need to send my ss card DL and proof of residency to XXXX to have a check mailed out to me on XX/XX/year>. I received an email saying they received documents so I called back and was assured I will receive a check since I sent in the required documents and to allow XXXX business days. I call on XX/XX/year> they saying I cant get a check it has to be sent back to the depository and need more documents sent in. talk to mark supervisor on XX/XX/year> @ XXXX I am still trying to get my money back from the company and they are still giving me the run around. {$670.00} is a lot of money to just let go when you work hard for 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 2024-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX. In complaint XXXX. XXXX XXXX XXXX states that this account has been in collection and is now foreclosed. I have never given XXXX XXXX XXXX any permission to share any of my identifying information with any third-party. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the Assignee and the assigned are both liable for violations under 15 US code 1692e ( 12 ). I am also aware that the definition of a collection pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. '' Nowhere in the FCRA does it state that they're require to report negative information to my consumer report. I have reason to believe that any third-parties are choosing to share this non-public information to my consumer report with forethought and malice as an attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. Account 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 2024-11-29 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: NM

Complaint narrative:
I am formally disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that all information on credit reports be accurate, complete, and verifiable. However, the reporting of this account contains multiple errors and inconsistencies, as outlined below : XXXX. Inconsistent Dispute Comments Across Bureaus : XXXX : Dispute resolved ; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Consumer disputes after resolution ; closed or paid account/zero balance. 
These discrepancies create inconsistency in reporting and could mislead creditors. 
XXXX. Late Payment Reporting on a Closed, Paid Account : The payment history shows multiple XXXX late marks for a closed account with a {$0.00} balance. This may be inaccurate or unverifiable. 
XXXX. Failure to Properly Update or Remove Dispute Comments : Despite the account being resolved, the dispute comments remain, suggesting the account is still under dispute. This is misleading and violates reporting accuracy. 
XXXX. Inconsistent Reporting Dates : The Last Reported date is inconsistent : XXXX : XX/XX/year> XXXX : XX/XX/year> Equifax : XX/XX/year> XXXX. Inaccurate Payment History : If the payments were made on time, the XXXX late marks are improperly reported, violating the FCRAs accuracy requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus must follow procedures to ensure accurate reporting. The discrepancies in dispute comments and payment history violate this provision.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes were filed and the information remains inaccurate or incomplete, the credit bureaus failed to investigate and correct the errors. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) has a legal obligation to report accurate information and correct errors once notified. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported for a closed account with a {$0.00} balance may be obsolete or incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
This account has been settled in 3 payments, which XXXX XXXX  agreed to for the settlement. The last payment is being made next month, but they still keep reporting it derogatory/delinquent. I continue to dispute it, and nothing changes.

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 2024-11-29 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: VA

Complaint narrative:
Out of the blue, they lowered my FICO score from XXXX to XXXX for no reason. I always pay my bills on time, I carry no debt on my credit cards, and they lowered it anyway.

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 2024-11-29 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: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I submitted for short sale review on XX/XX/XXXX. Finally on XX/XX/XXXX it was submitted to the investor for review. I was told it would take XXXX business days. Its now XX/XX/XXXX and I have yet to receive an answer. I have a buyer about to pull out because this is taking so long.

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 2024-11-29 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: NY

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report. 

Fraudulent Accounts : [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] Fraudulent Inquiries : [ 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

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 2024-12-02 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: FL

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.

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 2024-11-29 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: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how Wells Fargo has reported my account to the credit bureaus XXXX and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. 

I previously held a secured credit card with Wells Fargo, backed by a {$1000.00} deposit, to help build my credit. During the COVID-19 pandemic, XXXX XXXX XXXX XXXX XXXX, and the account was closed with a balance owed of {$240.00}. I later reached out to Wells Fargo and paid the balance I believed I owed. However, I subsequently discovered that Wells Fargo had already written off the debt and failed to issue me a 1099-C form, which is required under IRS regulations for canceled debt. This means Wells Fargo benefitted from a tax write-off while also collecting payment from me, an unethical practice. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. 

Wells Fargo has also reported inconsistent and inaccurate information to XXXX and XXXX regarding this account. Specifically, the credit limit has been reported as {$0.00}, even though the correct limit was {$1000.00}. Additionally, XXXX reports an incorrect high balance of {$1400.00}, while XXXX does not report any high balance. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating Wells Fargo has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. 

These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

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