vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I fell behind on payments. I spoke with a representative from XXXX XXXX that offered me re-mortization on loan. She told me that after I made XXXX XXXX payments that they would forgive late payments and report loan as current to credit bureaus which has not happened even though I'm making payments on time. As a result, the reported late payment is negatively impacting my credit preventing me from closing on my house. I have worked hard to improve my XXXX XXXX. I called company and requested removal of late payment and a representative told me that they can't remove late payments once it's report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$7900.00}. 

Account Name : XXXX XXXX Account Number : XXXX Description : Date open : XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

High Credit : XXXX is currently showing {$12.00}, XXXX, XXXX and Equifax show XXXX. 

Lasted Reported : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX. All three XXXX XXXX XXXX are showing difference dates. Please delete Date of Last Active : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX. 

This is a violation of the FCRA and is also in violation requisite XXXX XXXXXXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the item above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow-up complaint to XXXX which was closed without investigation, only comments from Wells Fargo. With the recent fines levied against Wells Fargo for improper banking practices, I want it noted that I had to take Wells Fargo to small claims court to recover the funds that were not reimbursed from me when I was a victim of ATM fraud in another country. I won the small claims lawsuit and was reimbursed and immediately closed my bank accounts that I held with them for 10 years. They should have protected me during this fraud activity and didn't and refused to reimburse me for the loss. I literally had to resort to suing to get my money back. I want it noted for the record since they have recently been caught for improper and illegal banking practices. My case is another example.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted the courthouse and was told that they did not report a bankruptcy to the credit bureaus but yet all three bureaus are reporting it. I have disputed this issue several times with no resolution.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was trying to complete a refinance with XXXX XXXX XXXX started XX/XX/XXXX. They were inquiring about the forbearance started with 5/3 bank in XXXX of XXXX. 5/3 advised me that my forbearance would NOT count against me, because it was started under a covid disaster forbearance. When conducting a verification on a taped line XX/XX/XXXX with XXXX XXXX the representative stated that during my forbearance there were 4 ( 120 days ) missed payments. The 5/3 rep stated that improperly and then tried to back track her statement. The 3rd party verifying company put into my file that I was 120 days late off of the improper information of the 5/3 rep. This adversely caused XXXX XXXX to terminate my loan application. I was suppose to close this Wednesday XX/XX/XXXX The other issue is when you come out of forbearance they ( 5/3 ) advise you to make 3 trial payments as a temporary program until your loan mod is completed. Those payments are XXXX, XXXX, and XXXX which don't get reported I guess and then the loan XXXX is completed in XXXX. They move XXXX 's payment to the back of the loan just like you guys will when this loan closes which is why my 1st payment is XX/XX/XXXX. Which is in the letter I sent. The system will let me log in, but I can not access the trial packet anymore. I sent a screenshot of the website. When the third party rep talked about chargeback, 5/3 bank activated XXXX bill payer without my knowledge and overdrafted my account in XXXX not XXXX. I contacted them in the letter afterwards and stopped the autobill payer. The chargeback was for XXXX 's payment NOT XXXX. XXXX 's payment was made on the XXXX thus again there isn't a 120 day late period. The 120 days is the loan modification trial plan period that if you don't follow they won't modify your loan in the first place. Again these trial payments don't get reported. The rep from the private company again never asked any questions to clarify and just put whatever he wanted in the file. I received the verbal denial XX/XX/XXXX. The written denial I have not received yet. XXXX XXXX has the audio recording of he telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$7900.00}. 

Account Name : XXXX XXXX Account Number : XXXX Description : Date open : TransUnion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

High Credit : TransUnion is currently showing {$12.00}, XXXX, XXXX and XXXX show XXXX. 

Lasted Reported : TransUnion show XX/XX/XXXX, XXXX show XX/XX/XXXX, and XXXX show XX/XX/XXXX. All three XXXX XXXX XXXX are showing difference dates. Please delete Date of Last Active : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX. 

This is a violation of the FCRA and is also in violation requisite METRO XXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the item above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased a game console in Pennsylvania called XXXX XXXX  I returned the game and provided the company with tracking info and was still charged I had disputed it and was giving the money back I sented product back but still got charged then I bought a couch from XXXX XXXX but XXXX a single mother of XXXX I couldnt drag it upstairs I called XXXX XXXX back and I disputed the charge and recieved the money back and was still charged Ive never gotten the product cause I couldnt get help to dragg it upstairs this bank I was banking with was bank of Americas so the companies kept my money and Bank of America closed my account and kept my additional funds that was inside 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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite METRO XXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. Experian  show XX/XX/XXXX, and XXXX show XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting {$1100.00} and Experian show XXXX, and XXXX show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date openXXXX XXXX XXXX  Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite XXXX 2Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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