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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: NY

Complaint narrative:
Subject : Dispute of Late Payment Accounts Request for Investigation and Removal Dear Experian, I am writing to formally dispute the reporting of late payments on the following accounts as listed on my credit report. These accounts contain inaccurate or unverifiable information and are impacting my credit score unfairly. 

Accounts in Dispute 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 Under 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report accurate data and correct any inaccuracies. Furthermore, under 15 U.S. Code 1666 ( b ), creditors must apply payments accurately and resolve disputes regarding billing errors promptly. Finally, 12 CFR 1026.13 provides protections for billing error resolution under Regulation Z of the Truth in Lending Act.

I am requesting a thorough investigation into the accuracy of these late payments. If the information can not be verified, I request that these records be corrected or deleted from my credit report. 

Supporting Documents I have included the following documents to assist with your investigation : A copy of my identification Proof of current address Under the Fair Credit Reporting Act ( FCRA ), please complete this investigation and respond in writing within 30 days of receiving this letter. 

Thank you for your time and attention to this matter. 

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 2024-11-29 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: FL

Complaint narrative:
I have been attempting to resolve issues with the three major credit bureausExperian, XXXX, and XXXXfor over 3 years. During this time, they have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to update or correct information on my credit report. Despite providing the required documentation, including identification and other requested documents, they have repeatedly failed to process my information properly. 

Instead of resolving these issues, the credit bureaus have sent multiple letters containing stall tactics and excuses for not addressing the situation. I have complied with their requests and sent the necessary documents numerous times, but my efforts have not led to any meaningful resolution. 

Given the ongoing failure of the credit bureaus to follow the law and rectify the errors, I am left with no other option but to contact the Attorney Generals office to file a formal complaint and seek further action to enforce my rights under the FCRA.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting U S DEPT OF EDXXXX Account number XXXX. to have XXXX late payments and that the last payment was made in XXXX of XXXX. This information is incorrect. please see attached report from XXXX that is showing exceptional payment history with payments every month. How could Experian be reporting that there has not been payment since XXXX? this is absurd and incorrect.The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately

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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Company is suing me for a debt that has not been verified to be mine.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
For card XXXX XXXX XXXX XXXX A fraudulent charge of XXXX was made on XXXX at merchant XXXX XXXX XXXX XXXX XXXX. I received a fraud alert from CITI and contacted them, informing them that I did not make that purchase and that I only use that card for recurring subscriptions ( XXXX and XXXX XXXX ). Then, on XXXX, I receive a notice from CITI saying the dispute was not resolved in my favor because I didn't provide sufficient information and that I need to make a payment in 2 days. 

Ridiculous. 

Since I didn't make the purchase, what other information do they expect? I am willing to swear in any court that I did not make that purchase. 

What recourse do I have to fight this? 

Thank you for your help 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 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX  XXXX. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX  XXXX. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-11-29 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: GA

Complaint narrative:
I just recently looked at my credit report and noticed that some accounts have late payments during a time spent in XXXX, However I talked to these creditors below and I should not have any missed payments. 
Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

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:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 
The account in question is as follows : XXXX. Account Name : XXXX XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account XXXX : XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX. XXXX, XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a

1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. Provision of the 1099-C Form : If issued, provide a copy to verify the iden
tifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, 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 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM financial Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX I am writing to request the investigation and correction of a repossession that appears on my credit report. The credit report number is listed above the repossession is listed above far as date it was open and closed with account number included and creditor name. 
The repossession is inaccurate because as you can see on credit report it shows two different account balance for certain amount owed its not accurate whats so ever I am request item be removed I have attached documents for this dispute and supporting evidence please reinvestigate this repossession and delete account as soon as possible

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2024-11-30 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: AZ

Complaint narrative:
After reviewing my credit report with Experian. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX inquiry date XXXX. XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX inquiry date XXXX XXXX. XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXXXXXX inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to Experian Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with Experian

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 2024-11-30 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: AZ

Complaint narrative:
After reviewing my credit report with Experian. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX XXXX. XXXXXXXX XXXX XXXX XXXXnquiry date XXXX. XXXX. XXXX XXXX inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to Experian Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with Experian

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
I initiated a wire transfer on XXXX XX/XX/2024 through XXXX  to an account held at XXXX XXXX XXXX XXXX  ( XXXX ) XXXX as instructed by Skrill Inc . Although the transaction was completed successfully from my end, the funds have not been credited to my Skrill account. 

Transaction Details : Sender Name : XXXX XXXX Sender Institution : XXXX  Recipient Name : Skrill Inc. 
Recipient Bank Name : XXXX XXXX XXXX XXXX  ( XXXX ) Routing Number : XXXX XXXX XXXX : XXXX Account Number : XXXX Receipt ID : XXXX Bank Trace Number : XXXX Transaction Reference Number : XXXX Transaction Amount : {$300.00} USD Currency : USD Transaction Date : XXXX XX/XX/2024 Despite multiple follow-ups with Skrill, the funds have not been credited to my Skrill account. 
Skrill has confirmed that the wire details provided by them were for XXXX XXXX XXXX XXXX  ( XXXX ) XXXX 
I have reached out to XXXX to confirm whether they received the funds and forwarded them to Skrill. However, I have not received a satisfactory resolution or response. 
Why This Is Concerning : The funds are unaccounted for, leaving me without access to the money I transferred in good faith. 
XXXX XXXX XXXX XXXX  has a responsibility to ensure transparency and accountability in processing transactions.

Company response to consumer: Closed with explanation