vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Immediate Removal of Inaccurate Late Payments ( XX/XX/XXXX, XX/XX/XXXX ) on Account # XXXX Due to FCRA Violations and Breach of Arbitration Agreement by Furnisher ( XXXXXXXX XXXX XXXX XXXX. ) Dear TransUnion XXXX XXXX, This letter serves as a formal dispute regarding the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my account ( # XXXX ) with XXXX XXXX XXXX. XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ) as well as breached its own arbitration agreement by reporting these late payments without resolving the matter through arbitration, as required by our contract. 

As a credit reporting agency, you are obligated under 15 U.S.C. 1681e ( b ) to ensure maximum accuracy when including information on consumer credit reports. In this case, the late payments in question were inaccurately reported due to XXXX XXXX XXXX violation of federal law and contract terms. By allowing these late payments to remain on my credit report, you are failing to meet your legal obligation to verify the accuracy of reported information. 

FCRA Violations Under 15 U.S.C. 1681s-2 ( b ), once I have disputed this information, you are required to investigate the accuracy of the reported data. XXXX XXXX XXXX, as the furnisher of this incorrect information, is in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate late payments. I have already notified XXXX XXXX XXXX  of these violations and their breach of our arbitration agreement, which is public information, yet the inaccurate information remains on my credit report, causing ongoing damage to my credit profile. 

Breach of Arbitration Agreement by XXXX XXXX XXXX  In addition to the FCRA violations, XXXX XXXX XXXX  has breached its arbitration agreement by reporting these disputed late payments without resolving the matter through arbitration, which is explicitly required by the terms of our agreement. This breach directly undermines the dispute resolution process agreed upon and further invalidates the accuracy of the late payment reports. 

By continuing to report these late payments, XXXX XXXX XXXX, TransUnion and XXXX are exposing yourselves to liability under the FCRA, and you are complicit in the ongoing harm caused by this inaccurate reporting.

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 2024-11-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Immediate Removal of Inaccurate Late Payments ( XX/XX/XXXX, XX/XX/XXXX ) on Account # XXXX Due to FCRA Violations and Breach of Arbitration Agreement by Furnisher ( XXXX XXXX XXXX XXXX. ) Dear XXXX XXXX Experian, This letter serves as a formal dispute regarding the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my account ( # XXXX ) with XXXX XXXX XXXX. XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ) as well as breached its own arbitration agreement by reporting these late payments without resolving the matter through arbitration, as required by our contract. 

As a credit reporting agency, you are obligated under 15 U.S.C. 1681e ( b ) to ensure maximum accuracy when including information on consumer credit reports. In this case, the late payments in question were inaccurately reported due to XXXX XXXX XXXX  violation of federal law and contract terms. By allowing these late payments to remain on my credit report, you are failing to meet your legal obligation to verify the accuracy of reported information.

FCRA Violations Under 15 U.S.C. 1681s-2 ( b ), once I have disputed this information, you are required to investigate the accuracy of the reported data. XXXX XXXX XXXX, as the furnisher of this incorrect information, is in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate late payments. I have already notified XXXX XXXX XXXX  of these violations and their breach of our arbitration agreement, which is public information, yet the inaccurate information remains on my credit report, causing ongoing damage to my credit profile. 

Breach of Arbitration Agreement by XXXX XXXX XXXX  In addition to the FCRA violations, XXXX XXXX XXXX  has breached its arbitration agreement by reporting these disputed late payments without resolving the matter through arbitration, which is explicitly required by the terms of our agreement. This breach directly undermines the dispute resolution process agreed upon and further invalidates the accuracy of the late payment reports. 

By continuing to report these late payments, XXXX XXXX XXXX, XXXX and Experian are exposing yourselves to liability under the FCRA, and you are complicit in the ongoing harm caused by this inaccurate reporting.

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 2024-11-06 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ Midland Credit Management Subject : Request for Immediate Removal of Unauthorized Account Reporting under FCRA and New Jersey State Law Dear Midland credit management I am writing to dispute the reporting of an account on my credit file by Midland Credit Management on the grounds that there is no contract or consent authorizing such reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and relevant New Jersey statutes ( XXXX XXXX XXXX XXXX ), a creditor is required to report only with a lawful basis and must ensure the accuracy and authorization of the information being reported. 

As I have had no contractual relationship with Midland credit management and have not provided consent for this account to be reported, I believe that this reporting constitutes an unauthorized furnishing of information under the FCRA. The FCRA restricts the reporting of accounts without valid consent or a contractual basis, and New Jersey state law underscores the importance of ensuring that only authorized, accurate information is reported to protect consumer rights. 

Additionally, the original delinquency on this alleged debt dates back to XXXX. The FCRA restricts the reporting of delinquent accounts after a maximum period of seven years from the date of first delinquency ( 15 U.S.C. 1681c ). Given that this delinquency occurred over seven years ago, this account should no longer be included in my credit report, regardless of any purported transfer or sale of the debt. 

In light of the above, I am requesting that Midland credit management promptly remove this unauthorized and outdated information from my credit report. Please confirm in writing within 30 days that the account has been removed. Failure to comply may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the New Jersey Division of Consumer Affairs, and any other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of removal. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX original XXXX XXXX XXXX XXXXXXXX {$7100.00} XXXX. XXXX XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$6800.00} XXXX. XXXX XXXX {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-06 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: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
I am writing to formally notify you that my account, XXXX, is in direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). 

Specifically : 1. 15 U.S.C. 1681, Section 602 ( a ) This section guarantees my right to privacy, which has clearly been violated in this instance.

2. 15 U.S.C. 1681, Section 604 ( a ), Section 2 A consumer reporting agency is prohibited from furnishing my account information without my written consent, which has not been obtained.

3. 15 U.S.C. 1666b Under this provision, a creditor can not treat a payment as late on an open-end consumer credit plan for any purpose. 

As such, I demand that the inaccurate late payment be immediately removed from my credit report and that the XXXX account be updated to reflect accurate information. This will ensure compliance with the Fair Credit Reporting Act. Failure to resolve this matter promptly will result in further legal action.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I notices sporadic fraudulent charges in my checking account XX/XX/XXXX totaling {$960.00} Immediately called the bank and filed a police report with the XXXX XXXX XXXX XXXX, # XXXX Bank of America confusingly opened two separate fraud claims to process this request, Claim ID XXXX + XXXX Instead of removing one of these claims entirely, claim XXXX was assigned a temporary credit value of {$120.00} claim XXXX was assigned a temporary credit value of {$860.00} XX/XX/XXXX claim XXXX was credited for {$100.00}, but included a - $ XXXX deduction on XXXX claim XXXX was credited for {$570.00}, but included a - $ XXXX deduction on XXXX *The same transaction numbers were provided for the deductions on both tickets, they are charging each ticket the total amount of the denied claim, doubling my payback amount. 
Reason given for denied claim : " The following charge ( s ) was authorized by you or made by someone who has permission to use the card or account. '' XXXX Bank of America deducted both claim totals, - {$570.00} total When I called to dispute this, they told me the claim was actually denied because the transactions were too old. 

My only recourse is to write a hand written note and fax it to the bank, an absolutely ridiculous and punitive requirement to appeal this. Who has a fax machine???

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 monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP
State: OH

Complaint narrative:
I walked into the XXXX Key Bank and opened a checking account one year ago at Key Bank with {$100.00}. I forgot about the account and the {$100.00} until today, when I got a statement from Keybank and letter saying that it was charged off and that it had a - {$4.00} balance. 
To be sure, I never used the account ( not even once ) and so the only transactions were from the {$8.00} fees per month that Key Bank was charging me to maintain this account. I am not sure why the teller opened this specific type of account knowing that it had huge fees. Additionally, if it would have been disclosed prominently and conspicously I would have NOT opened the account. 
At this moment, Key bank have kept my {$100.00} and refused to return my money and have ruined my CREDIT by charging this account off. Again, the interest on this account was .000000125 % on this account so wound take literally 1000 years to offset the {$8.00} fees that were being deducted and thus not apparent WHY this account was selected for me except that I am a person of color and was steered into this account by the Key bank staffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: OH

Complaint narrative:
I have reported that this incorrection information was fraud and not mine several times and it has never been corrected. It has destroyed my credit and personal life.

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 2024-11-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
on my credit report I have a ccb/ultra master card opened XX/XX/year> with a {$520.00} balance. that I DID NOT AUTHORIZE when I noticed this, I called CCB reported the card as fraud, the agent I spoke with last month verified it was fraud said the account would be closed and marked as fraud and removed from my credit report, I refreshed my report today and the CCB/ULTA master card Is still on my report so I called back and was told they would need to investigate and this could take 3 months to be investigated and corrected on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-06 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: KS

Complaint narrative:
Account Numbers : XXXXXXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal for this account charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter.

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