vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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:
XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXX XXXX  XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-10-19 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : 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 2024-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account was reporting to XXXX, XXXX and XXXX last year. I had it removed for inaccuracies as well as unable to validate. IC Systems buy it and change the information and start reporting again. I have disputed it now XXXX  times and each time IC Systems verifies that all the information is accurate. Heres an example of the intentional manipulation IC Systems engages in > date account opened XX/XX/year> If it was reporting last year as clearly states on my upload docs, then it could not have been open 6 months ago. 
Additionally IC Systems has ignored my certified letter sent to them requesting validation of account. ICSystems is an unethical unfair, reckless and devious company who intentionally manipulates the system to further the consumers damage extending the life of a debt. 
The have damaged my credit worthiness long enough violating my civil rights. Enabling me from being approved for any kind of credit at all. 
DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL CREDIT REPORTS REPORTING IT, BELOW IS THE DIDPUTE ABOUT IT DIRECTED TO CREDIT REPORTING AGENCIES Back in XXXX XXXX XXXX XXXX  XXXX and XXXX were XXXX this XXXX XXXX XXXX XXXXccount in collections with XXXX XXXX XXXX. It was disputed back then and removed. Recently IC Systems bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as IC Systems has now verified XXXX  times over. IC Systems is intentionally manipulating crucial information, which has harmed my XXXX XXXX. This is intentionally done and XXXX. XXXX and XXXX is allowing it to happen. This tradeline needs to be immediately deleted from all XXXX agencies once and for all. IC Systems should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS IC SYSTEMS ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. ( see attachment )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
In the wake of the devastation the XXXXXXXX XXXX Florida has experienced due to recent XXXX XXXX, the several tornadoes, floods, and other Hurricanes, XXXX and several banks and creditors are working with state and federal officials to provide information on disaster relief resources and information. 

Many creditors and banks are also extending courtesy to XXXX Florida victims impacted by the XXXX disasters by furloughing/waiving Credit card XXXX credit reporting and loan payments. 

Several areas in XXXX Florida still currently have no electricity, no landlines, no running water and very limited cell service. 

Therefore, i am requesting that you stop reporting any delinquencies and late payments from XXXX XXXX XXXX xxxxx XXXX and XXXX. 

Please also waive any minimum payments due from XXXX for at least XXXX days ; waive the minimum payment up to XXXX billing cycles. 

Do not report it as a late payment. 

Prevent and waive any late fees. 

The reason why insurers are acting so fast on this is if you remember after XXXX hit XXXX XXXX and XXXX XXXX hit Florida ( before mobile banking ) all of the credit card companies were cooperating with the exception of XXXX issuer. 

The media caught wind of it when they said if you can't make the minimum payment, we'll just add the late fee to your existing balance. XXXX XXXX then retracted and retroactively refunded late fees in XXXX affected areas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the wake of the devastation the State of Florida has experienced due to recent Hurricane Milton, the several tornadoes, floods, and other Hurricanes, FEMA and several banks and creditors are working with state and federal officials to provide information on disaster relief resources and information. 

Many creditors and banks are also extending courtesy to South Florida victims impacted by the Natural disasters by furloughing/waiving Credit card XXXX credit reporting and loan payments. 

Several areas in South Florida still currently have no electricity, no landlines, no running water and very limited cell service. 

Therefore, i am requesting that you stop reporting any delinquencies and late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please also waive any minimum payments due from XXXX for at least 90 days ; waive the minimum payment up to three billing cycles. 

Do not report it as a late payment. 

Prevent and waive any late fees. 

The reason why insurers are acting so fast on this is if you remember after Katrina hit XXXX XXXX and Hurricane Wilma hit Florida ( before mobile banking ) all of the credit card companies were cooperating with the exception of one issuer. 

The media caught wind of it when they said if you can't make the minimum payment, we'll just add the late fee to your existing balance. XXXX XXXX then retracted and retroactively refunded late fees in Hurricane affected areas.

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 2024-10-19 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 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 a personal credit card account opened at XXXX XXXX XXXX Bank XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal credit card account opened at XXXX XXXX Bank. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud inquiries : XXXX XXXX card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX XXXXXXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ).

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681.

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness. 

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ). 

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX  XXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ).

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681.

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness.

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ).

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!

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 2024-10-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX [ Date : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX Subject : Formal Notice of Non-Debt and Demand for Immediate Account Deletion To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account number XXXX purportedly owed to XXXX XXXX XXXX XXXX I assert unequivocally that I do not owe any debt to your organization. Following a comprehensive review of the XXXX XXXX XXXX from the California Secretary of State, it is clear that no valid debts or liens exist under my name associated with XXXX XXXX XXXX. 

Legal Grounds for Dispute : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the unequivocal right to request validation of any alleged debt. To date, you have failed to provide sufficient evidence to substantiate your claims. Specifically, I have not received : A copy of the original contract containing my signature. 
A detailed breakdown of the alleged debt amount, including payment history. 
Documentation verifying the legal assignment of this debt, if applicable. 

Your failure to furnish these documents constitutes a violation of my rights under the FDCPA and undermines the legitimacy of your claim. Furthermore, the absence of XXXX XXXX XXXX from the lien search results substantiates that any account reported against me is fraudulent. 

Demand for Action : In light of these facts, I hereby demand the following actions be taken immediately : 1. Cease all collection activities related to the account referenced above, as required by law. 
2. Remove any and all entries related to this account from my credit report to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
3. Provide written confirmation of the accounts deletion within 30 days of receiving this letter. 

Failure to comply with these requests will compel me to consider further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal remedies for violation of my consumer rights. 

Please be advised that this letter constitutes a formal notice and demand under applicable federal and state laws. I expect your prompt attention to this matter and a resolution that reflects compliance with legal standards. 

All correspondence should be directed to my address or email provided above. 

Sincerely, 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 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a secured account through XXXX the checks are secured good already pre posted and cleared, when I cash one at the bank or do a mobile deposit it is an immediate to one day credit deposit. Since banking with Wells Fargo I deposited two of these kind of checks # XXXX dated XX/XX/year> for {$400.00} & check # XXXX dated XX/XX/year> for $ XXXX Wells Fargo placed a hold on both checks that had already cleared then sent me emails stating returned, I never received the money in my account! There is other large deposits transfers from my cash app blessing accounts that do not reflect in my balance at Wells Fargo and the bankers never mention it to me. When I inquired the banker claimed to not know anything about the deposits. I have all the proof of the deposits posting and clearing on my end, attached is just one page of them there's more!

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 2024-10-19 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:
XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXX XXXX XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TransUnion, XXXX. XXXX, TransUnion, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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