vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: NM

Complaint narrative:
I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported information is accurate, complete, and verifiable. Below, I have detailed the specific inaccuracies and the relevant legal violations : XXXX. Inconsistent Account Details Across Bureaus : The Account Type Detail varies across bureaus, with XXXX and Experian reporting Auto Loan, while XXXX incorrectly reports Recreational Merchandise. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Incorrect Loan Terms : The number of months ( terms ) is reported as XXXX by XXXX and Experian but as XXXX by XXXX. This inaccuracy misrepresents the account. 
XXXX. Late Payment Reporting on a Closed Account : Late payments ( 30-day ) are reported on a closed account with a {$0.00} balance. If these marks are inaccurate or unverifiable, they must be removed as required by 15 U.S.C. 1681i ( a ). 
XXXX. Misleading Comments : The comments differ across bureaus, with XXXX including Closed or paid account/zero balance while the others state Closed. This creates confusion and may mislead potential creditors. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies in terms and account details violate this requirement. 
2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If these issues have been previously disputed and not corrected, the CRAs may have failed their duty to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting incorrect details or failing to update resolved disputes. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Derogatory marks ( e.g., 30-day late payments ) should not appear if they are inaccurate, improperly validated, or reported past their permissible timeframe.

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 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I opened a new checking account with Wells Fargo and provided a promotional code for a {$300.00} checking account bonus. The account was opened with the assistance of XXXX XXXX ( email : XXXX ). I distinctly remember presenting the promotional code to her during the account opening process. 

Three months later, I noticed that the bonus was not ajdusted to my account. I contacted Wells Fargo to inquire and was informed that there was no record of a promotional code being associated with my account. I subsequently raised a formal complaint, requesting a detailed review of the matter. After two weeks, Wells Fargo informed me that no promotional code was provided to the banker at the time of account opening. 

I strongly disagree with this conclusion. I am confident that I presented the code, and I have a witness ( a friend who accompanied me at the time ) who can attest to this. I believe the issue is due to an error or oversight on the part of Wells Fargo during the account opening process.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} - Open XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
For other reasons, I am trying to switch banks. I filed an application with the new bank, and they accepted but needed me to unfreeze my Experian credit hold.

Thus begins my three hour odyssey of attempting to do so. 

XXXX. I can't log in to my Experian account online because they use text XXXX and say that my phone number is incorrect. I have had this phone number since. XXXX, so not sure what's happening there. 

XXXX. Their IVR is a circular loop with no help. They just refer the user back to their help site repeatedly with no resolution to my particular issue. 

3. The IVR hangs up on you. I tried multiple prompts in an attempt to bypass the IVR. I said, " I'm the victim of fraud. '' It basically said, " No you're not '' and hung up on me.

4. I finally said, " Lift credit hold. '' The only requirement to do this is my SSN and Zipcode. Like 90 % of the US, I'm the victim of a data breach, hence the hold. Literally anyone, then, can lift the hold with this information just by saying it in to the IVR?? Regardless, the IVR came back and said, " You don't have a freeze. '' Well, yes, I do, which is why I'm chasing trying to have it lifted??

5. Horrible experience and I no longer trust that Experian will keep my data safe. What a mess. 

Please hold Experian accountable for keeping their user 's data safe. They had the biggest data breach in history in XXXX and leaked my SSN in the first place - now they're just letting anyone with my information remove credit freezes?

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 2024-11-29 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is a formal Notice of Dispute regarding the alleged debt reported to the credit bureaus by your company. Under federal law, including the Truth in Lending Act ( 15 U.S.C. 1635 ( a ) and 1605 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am exercising my rights to dispute the validity of this debt and demand a detailed investigation of the information provided in my credit report.

Specific Grounds for Dispute XXXX. Conflicting and Inconsistent Information The account details you have furnished to the credit reporting agencies contain discrepancies, as outlined below : The balance update date differs across reports ( e.g., XX/XX/year>, vs. XX/XX/year> ). 

The status descriptions are inconsistent ( e.g., " 90 days past due, '' " not more than four payments past due, '' and " open, {$3900.00} past due as of XX/XX/year> '' ). 

The contact information listed differs between reports ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These discrepancies suggest that inaccurate information is being reported, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Comply with Federal Disclosure Requirements Under 15 U.S.C. 1635 ( a ) and 1605, you are required to provide clear and accurate disclosures regarding the terms and status of the loan. Any failure to do so renders the debt in question invalid or unenforceable. 

XXXX. Cease Communication Request Pursuant to 15 U.S.C. 1692c ( c ), I formally request that you cease all communication with me regarding this alleged debt, except as required to comply with this Notice of Dispute.

Demands To resolve this dispute, I request the following : Validation of Debt : Provide all original documentation proving the validity of this debt, including the original loan agreement, payment history, and an itemized breakdown of the principal and interest per 15 U.S.C. 1605.

Correction of Inaccuracies : Rectify all inconsistencies in the reported information and ensure that accurate data is submitted to all credit reporting agencies.

Written Confirmation : Confirm in writing that the disputed information has been corrected or removed entirely from my credit report.

Notice of Legal Action Failure to adequately respond to this dispute within 15 days of receipt of this notice may result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and relevant state authorities. 
Legal action to enforce my rights under the Truth in Lending Act, Fair Debt Collection Practices Act, and Fair Credit Reporting Act. 

I expect your written response within 15 days from the receipt of this letter. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at 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  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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NM

Complaint narrative:
I am dispute inaccuracies on my credit report concerning an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) mandates accurate, complete, and verifiable reporting, but this account violates several provisions of the FCRA. Below, I outline the specific issues : 1. Discrepancies in Reporting Comments Across Credit Bureaus : TransUnion : Dispute resolved; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution. 
These inconsistent comments suggest that the dispute status was not updated or resolved uniformly. 
2. Late Payment Reporting on a Closed, Paid Account : The account is marked as Closed and has a {$0.00} balance, but there are repeated 30-day late payment marks in the payment history. Late payments should not appear on a closed, paid account if they are inaccurate or unverifiable.

3. Failure to Update or Remove Dispute Comments After Resolution : The comments imply that the dispute was either not properly resolved or updated across all credit bureaus. This can mislead potential creditors.

4. Inconsistent Reporting Dates : The last reported date varies between TransUnion ( XX/XX/year> ) and XXXX ( XX/XX/year> ), which creates inconsistency. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to maintain accurate and consistent reporting. The discrepancies in comments and dates violate this provision.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved, the credit bureaus and the creditor failed to update the account and remove dispute comments, which is a violation.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate or Misleading Information : The creditor may be reporting unresolved or incorrect dispute information, as well as late payments on a paid, closed account. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported inaccurately or beyond the permissible time frame violate this section.

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 2024-11-29 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: NM

Complaint narrative:
I am dispute inaccuracies on my credit report concerning an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) mandates accurate, complete, and verifiable reporting, but this account violates several provisions of the FCRA. Below, I outline the specific issues : 1. Discrepancies in Reporting Comments Across Credit Bureaus : XXXX : Dispute resolved; customer disagrees. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution. 
These inconsistent comments suggest that the dispute status was not updated or resolved uniformly. 
2. Late Payment Reporting on a Closed, Paid Account : The account is marked as Closed and has a {$0.00} balance, but there are repeated 30-day late payment marks in the payment history. Late payments should not appear on a closed, paid account if they are inaccurate or unverifiable.

3. Failure to Update or Remove Dispute Comments After Resolution : The comments imply that the dispute was either not properly resolved or updated across all credit bureaus. This can mislead potential creditors.

4. Inconsistent Reporting Dates : The last reported date varies between XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ), which creates inconsistency. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to maintain accurate and consistent reporting. The discrepancies in comments and dates violate this provision.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved, the credit bureaus and the creditor failed to update the account and remove dispute comments, which is a violation.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate or Misleading Information : The creditor may be reporting unresolved or incorrect dispute information, as well as late payments on a paid, closed account.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported inaccurately or beyond the permissible time frame violate this section.

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 2024-11-29 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: NY

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-11-29 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: 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 explanation
Consumer complaint received 2024-11-29 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:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act.

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