vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by XXXX XXXX. On XX/XX/2024, at approximately XXXX hours, I made the decision to close my account with XXXX XXXX  and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/2024, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/2024, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to XXXX XXXX  and early warning, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that XXXX XXXX  has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that XXXX XXXX  rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against XXXX XXXX. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by XXXX XXXX. On XX/XX/year>, at approximately XXXX hours, I made the decision to close my account with XXXX XXXX  and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/year>, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/year>, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to check systems and XXXX XXXX, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that XXXX XXXX  has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that XXXX XXXX  rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against XXXX XXXX. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
VALIDATION, NOT Verification RE : CREDITORS BUREAU ASSOCIA To Whom It May Concern : This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account.

Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately.

Best Regards,

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 2024-05-16 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: GA

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account has been continually accessed by criminal activity. From as far back as XX/XX/XXXX there are names of people whom we do not know. Multiple visits and calls to Wells Fargo Bank throughout this time period shows a trend of criminal activity and electronic access and use of my money without my consent. Wells Fargo did not help- in fact they recommended that I turn off my online banking. Opened new accounts, Recommended that I transfer {$200000.00} into a savings account and then set up that account as the overdraft protection to the checking account ( XXXX ) that was being accesssed. I am an elderly widowed, retired XXXX XXXX veteran who trusted this bank to help me. I got my daughter involved in XXXX and she spent countless hours with Wells Fargo phone individuals. She created a spread sheet from XX/XX/XXXX thru XX/XX/XXXX when I noticed the activity on a bank statement that came in the mail. The names that I see that I do not know, never even heard of until they showed up on my account are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and probably more. They always use electronic means. The spread sheet that covers from XXXX XXXX shows an illegal withdrawal amount of XXXX with much of that being sent over from the savings by overdraft protection in that amount of {$14000.00} When my daughter made this spreadsheet we contacted wells fargo again and after much hard talking got put through to a new investigator named XXXX. She said most of these claims had been put through and deemed " not fraudulent '' and she did not overturn that. However she found several more incidents that did not have a claim against them ( many duplicate the denied items ) and she got us a payment of {$1200.00} on XXXX. HOwever all of the others were not overturned. Thsi made absolutely no sense. At this point they state they have done all they can. I am going to attache the spreadsheet made by my daughter, the statement from XXXX thru XXXX and another spreadsheet my daughter was able to download directly from Wellls Fargo.

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 2024-05-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-05-16 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: FL

Complaint narrative:
The inquiry was conducted without my authorization by the creditor.

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 2024-05-16 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-05-16 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-16 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: CT

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as XXXX XXXX from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
I consistently ensured timely payments, so why is there an error in my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
I consistently ensured timely payments, so why is there an error in my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act, the information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The above accounts have violated my rights. 

Names : 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 XXXXXXXX I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate items. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it SHALL follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 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 consumer 's file.

According to 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors.

A person shall not 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.

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 2024-05-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as XXXX XXXX from my consumer 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 explanation