vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: ACXIOM CORP.
State: TX

Complaint narrative:
I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX  Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXXXXXX XXXX XXXX  Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. Provide documentation that links me to the debt, such as original signed agreements or contracts. Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully. Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges. Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. Account Resolution or Settlements : Confirm that no payments or settlements have been misapplied or omitted from the reporting. Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was paying Lexington law fir several years with my bank account to improve my credit they never removed the incorrect information that they promised which caused my credit to never improve

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CORELOGIC INC
State: TX

Complaint narrative:
I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. Provide documentation that links me to the debt, such as original signed agreements or contracts. Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully. Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges. Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. XXXX XXXX XXXX XXXX  : Confirm that no payments or settlements have been misapplied or omitted from the reporting. Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.

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 2024-12-28 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : XXXX Balance : {$160.00} XXXX XXXX XXXX Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. Provide documentation that links me to the debt, such as original signed agreements or contracts. Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully. Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges. Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. Account XXXX or XXXX : Confirm that no payments or settlements have been misapplied or omitted from the reporting. Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Late Payments Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate late payment ( XXXX ) reported on my credit file under the 1666 ( b ) Compliance Procedure. I have reviewed my credit report and noticed that the payment history reported by your bureau contains discrepancies. The late payments listed on my credit report do not accurately reflect my payment history for the referenced account ( XXXX ), and I am requesting an immediate investigation under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below are the specific details regarding the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$28000.00} Account Name/Number : XXXX XXXX**** Date : XX/XX/XXXX Amount : {$340.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2300.00} Account Name/Number : XXXX XXXXXXXX Date : XX/XX/XXXX Amount : Paid According to the 1666 ( b ) Compliance Procedure, you are required to investigate and resolve this dispute within XXXX days of receipt of this letter. I respectfully request that you remove the inaccurate late payment entry from my credit report or provide me with detailed evidence if the entry is to remain. 

Please also notify me in writing of the results of your investigation and provide an updated version of my credit report once the dispute has been resolved. 
Please confirm receipt of this dispute letter and keep me informed regarding the progress of the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this urgent issue. 

Sincerely, 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 2024-12-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Late Payments Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate late payment ( s ) reported on my credit file under the 1666 ( b ) Compliance Procedure. I have reviewed my credit report and noticed that the payment history reported by your bureau contains discrepancies. The late payments listed on my credit report do not accurately reflect my payment history for the referenced account ( s ), and I am requesting an immediate investigation under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below are the specific details regarding the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$28000.00} Account Name/Number : XXXX XXXX*** Date : XX/XX/XXXX Amount : {$340.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2300.00} Account Name/Number : XXXX XXXXXXXX Date : XX/XX/XXXX Amount : Paid According to the 1666 ( b ) Compliance Procedure, you are required to investigate and resolve this dispute within XXXX days of receipt of this letter. I respectfully request that you remove the inaccurate late payment entry from my credit report or provide me with detailed evidence if the entry is to remain. 

Please also notify me in writing of the results of your investigation and provide an updated version of my credit report once the dispute has been resolved. 
Please confirm receipt of this dispute letter and keep me informed regarding the progress of the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.

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 2024-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
MyLoan # XXXX With Wells Fargo In XXXX Wells Fargo Had Discriminated Against Me From Over Draft Fees And Wouldnt Let Me Refinance My Mortgage Loan. I Went To XXXX XXXX XXXX XXXX XXXX XXXX Ga. I Was Approved For A Cheaper Mortgage Wells Fargo Denied Me Twice So I Contacted Wells Fargo In XXXX XXXX South Carolina. The Young Man Was Very Rude And Told Me If I Couldnt Afford The Mortgage Get Out And Slammed The Phone Down. I Called Back The Mortgage Reduction Department Everyone I Spoke To Was Just Rude. XXXX I Moved Out They Put Foreclosure On My Report XXXX Wells Fargo Removed The Foreclosure Off My Credit Report. That When They Were Paying Out The Lawsuit From Discriminating Against XXXX Americans. No One Reached Out To Me About The Lawsuit.

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 2024-12-28 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>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 2024-12-28 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: DE

Complaint narrative:
I have recently examined a copy of my credit report and identified fraudulent accounts listed. I kindly request the removal of these accounts from my report as they are negatively impacting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section XXXX ( c ) ). 
Harassment under 15 USC 1692d ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2024-12-28 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: MD

Complaint narrative:
Experian has repeatedly informed your agency that they are resolving the issue, and claims to submit information to me but I have been unable to see anything pertaining any of my complaints they are basically feeding lies to clear themselves from me reporting to you guys. 
They also have hard inquiries on my account that were not authorized by me even after verification of identity theft Experian still intentionally violated Not to mention on XX/XX/year> the randomly lower my score for an account balance that I have not had for over 30 days see attached 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 2024-12-28 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$710.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED 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 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 non-monetary relief
Consumer complaint received 2024-12-28 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: DE

Complaint narrative:
I am writing to follow up on my previous dispute regarding the following negative accounts reported by your respective credit bureaus. Despite providing sufficient time for investigation, these accounts remain unverified and inaccurately reported on my credit file.

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 2024-12-28 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: OK

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report. 
Inquiries for Blocking and Deletion : XXXX. XXXX o Inquiry Date : XX/XX/year> XXXX. XXXX XXXX o Inquiry Date : XX/XX/year>

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 2024-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CO

Complaint narrative:
Made an online purchase only to an item that was unavailable, and the merchant canceled the order. The total amount was for {$260.00}. Cash App now wont release my money back to my account with out giving me any explanation on why the have a hold.

Company response to consumer: Closed with explanation