vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX, TransUnion and XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). The following account show inaccuracies Account Name : XXXX XXXX ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/2024, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i. Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. Thank you for your attention to this issue. Sincerely, XXXX XXXX XX/XX/2024

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 2024-12-01 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: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies payment history.. I have asked to have them updated to " paid on time, paid as agreed, never late.. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH DATE IN THE PAYMENT HISTORY FOR THESE ACCOUNTS LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT LISTED TO " PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY IMMEDIATELY ''. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO " PAID AS AGREED, PAID ON TIME, NEVER LATE '' OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( STATEWIDE ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies payment history.. I have asked to have them updated to " paid on time, paid as agreed, never late.. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH DATE IN THE PAYMENT HISTORY FOR THESE ACCOUNTS LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT LISTED TO " PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY IMMEDIATELY ''. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO " PAID AS AGREED, PAID ON TIME, NEVER LATE '' OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( 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 2024-12-01 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: TX

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. There are a lot of inaccuracies on my credit report that needs to be immediately removed until proven the information can be proves that it is valid. I have her attached & highlighted everything in Yellow. XXXX, Transunion XXXX XXXX are listed in the attachment. Accuracy and fairness of credit reporting should be reported & these things are not accurate. There are non mailable address being reported which are also highlighted. I have no way of receiving mail to highlighted address so this would be mail fraud 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2024-12-01 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: TX

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. There are a lot of inaccuracies on my credit report that needs to be immediately removed until proven the information can be proves that it is valid. I have her attached & highlighted everything in XXXX. XXXX, XXXX XXXX Equifax are listed in the attachment. Accuracy and fairness of credit reporting should be reported & these things are not accurate. There are non mailable address being reported which are also highlighted. I have no way of receiving mail to highlighted address so this would be mail fraud 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have XXXX credit cards with Capital One and during/after pandemic they set up a payment arrangement that I stayed current on every month. They told me these would not be reported to the credit bureaus as negative because I was paying on the plan and they reported them negative on my accounts anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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 concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable credit reporting. I have identified the following issues : XXXX. Inconsistent Account Details Across Credit Bureaus : Account Type Detail : XXXX and XXXX report Auto Loan. 
Equifax reports Recreational merchandise, which is inconsistent with the other bureaus. 
No. of Months ( Terms ) : XXXX reports 85 months. 
XXXX reports 72 months. 
Equifax reports 0 months. These discrepancies may lead to confusion for lenders reviewing the report.

2. Improper Reporting of Account Status : Equifax shows a last reported date of XX/XX/XXXX, while XXXX and XXXX both show XX/XX/XXXX. Such inconsistencies indicate a lack of synchronization and proper updates across bureaus. 
XXXX. Contradictory Payment History : All bureaus list the account as Closed or Paid with a {$0.00} balance, yet the payment history includes several XXXX late marks. If the account is resolved and paid in full, late payments should no longer appear unless they were valid and verified. 
XXXX. Equifaxs Misleading Comments : Equifax adds Closed or paid account/zero balance alongside Recreational merchandise, which differs from the comments on XXXX ( Closed ) and XXXX ( blank ). This inconsistency could mislead creditors. 
XXXX. Failure to Update or XXXX Disputes : If disputes were filed previously and no corrections were made, this XXXX indicate improper investigation and resolution by the credit reporting agencies. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in account type, terms, and status violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes were submitted and the inaccuracies remain unresolved, this reflects a failure to investigate properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting inconsistent or incorrect details, violating the requirement to provide accurate information.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments may be improperly retained, especially if they occurred more than seven years ago or are unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I woke up on XXXX XXXX  and looked in my wallet to realize my Wells Fargo card was missing I do not know when I lost it because I dont physically use my debit card so I have no idea who stole it or when they did it is not lost because I checked every where someone would of had to steal it because I dont take out my wallet and I dont live with anyone or are around any people unless in public. So I logged in and checked my account and saw that {$410.00} was missing from my account in XXXX XXXX deposits linked to a XXXX XXXX  named XXXX so someone trying to impersonate me because once again I have never had an XXXX XXXX  and still dont till this day and never will I would have typed my full name. And I do not own XXXX XXXX I have XXXX XXXX. So I immediately knew they were fraudulent because and reported them and called Wells Fargo. On the phone the lady ordered me a new card and told me there would be an investigation on my account for a fraud claim and would notify me in in XXXX business days with a decision. Fast forward 14 days later I check to see whats taking so long because they said they would notify me. I checked on my fraud through the app wich they did not tell me on the phone and saw that my claim was closed the same day. That makes no sense because the banks are closed on weekends and holidays and it was XXXX  so my claim was probably closed by the person on the phone and she did not tell me or notify me at all I was waiting 14 days for a response so much time wasted. I couldnt feed my self put gas in my car or get to work because I had no money and Wells Fargo did nothing to help so I am now today reporting this incident because I do not know what else to do that was all my money. And also it says dispute reason is that I didnt remember making this transaction I never said that on the phone I told her specifically I did not make this transactionshe typed I did not remember making this transaction or that my card was lost or stolen she took no effort on my claim and just pushed it to the side. The claim number is # 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wanted to apply for credit. The company requires reports from all three bureaus. My reports have been frozen for many years. No problem unfreezing with XXXX XXXX and XXXX. Experian responded that they could not do so unless I called. When i call it goes into a sign in mode that eventually goes back into a loop that says to call the same number. There is no way to reach a person including corporate management. After two hours of trying. I sent a hand written letter to XXXX XXXX, XXXX XXXX XXXX. No response.This started XX/XX/XXXX. Since then I have received four emails, the most recent XX/XX/XXXX, asking me to complete registration. Every attempt fails with a system error message " oops, sorry '' callus at the same useless phone number.

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 2024-12-01 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: NY

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute to Experian XXXX XXXX XXXX XXXX via certified mail regarding inaccurate and incomplete information in my consumer disclosure. The dispute package included a copy of my drivers license, proof of address, and my Social Security number as supporting documentation. On XX/XX/XXXX, I received an alert from Experian indicating that the information in question had been updated on their online portal ; however, no changes were made to correct the inaccuracies. Subsequently, on XX/XX/XXXX, I mailed a follow-up dispute, asserting that Experian had failed to delete the inaccurate account as required. In this correspondence, I also formally requested damages under the Fair Credit Reporting Act ( FCRA ) for their failure to comply with federal law.

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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I disputed XXXX accounts as fraudulent with the original creditor, XXXX XXXX and these accounts were removed from the credit reporting agencies. Portfolio Recovery Associates is now trying to collect on this previously unvalidated and removed account. I also never received any letter from Portfolio Recovery Associates advising of the debt that they were collection. PRA is also reporting as a closed account on XXXX when I have never had an account with this company and as a collection account with XXXX and XXXX. I have requested a copy of the certified notification of debt that should have been sent to me by PRA and never received it. 

Portfolio Recovery Associates are also repeat offenders. The Consumer Financial Protection Bureau ( CFPB ) took action against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XXXX CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated the XXXX order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-01 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: MA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. 
My credit report contains fraudulent INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 

XXXX. XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation