vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
- I contacted Wells Fargo on XX/XX/XXXX to file a claim ( XXXX ). This claim consisted of multiple ATM withdrawals which totaled out to be around {$8000.00}. 

- Wells Fargo assured me that the claim would be settled within XXXX business days. On the date of XX/XX/XXXX, Wells Fargo contacted me that they did not have enough information to prove that the {$8000.00} of fraudulent withdrawals were actually fraudulent, therefore they wrongfully denied my claim. 

- These fraudulent ATM withdrawals took place in XXXX XXXX, XXXX  and I live in XXXXXXXX XXXX  Therefore I provided information on XX/XX/XXXX through email that showed I was in Arizona during the time that these fraudulent withdrawals took place in Nevada. 

- The information I provided on XX/XX/XXXX through email consisted of my XXXX XXXX XXXX XXXX XXXX, Transaction Details that show 2 separate transactions were made in 2 separate states on the same day, and also a XXXX XXXX XXXX XXXX  I provided my XXXX XXXX XXXX XXXX  because it shows that I was present for my XXXX XXXX XXXX  on the dates that the fraudulent transactions occurred, my XXXX XXXX XXXX XXXX XXXX  I provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the dates the fraudulent transactions occurred, my job is located in XXXXXXXX XXXX. I provided the transaction details that happened in different states yet a couple hours a part to demonstrate the fraudulent use of my debit card in a different state. 

- Wells Fargo failed to alert me of possible fraudulent activity, I should have been notified of the fraudulent activity whenever there were two separate charges made in different states on the same day.

-I continuously provided Wells Fargo with this information on the dates of XX/XX/XXXX and XX/XX/XXXX because Wells Fargo claim representatives stated that they have not received the documents that I previously sent over on XX/XX/XXXX. Throughout this whole time I have been patient and cooperative towards Wells Fargo 's investigation team in order to receive my stolen funds. Even still, I continuously called Wells Fargo on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they continued to state that they did not receive my documents. Therefore, I decided to fax them on XX/XX/XXXX which they received on XX/XX/XXXX. -- The documents I've provided clearly show that I was in Arizona while these fraudulent transactions took place. 

XXXX have been fighting with Wells Fargo for nearly 3 months now to receive my stolen funds, this is the XXXX complaint I've filed yet nothing has been done yet I will continue to fight for my hard earned money.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX  They said I had a payment that was late on XXXX I called them they remove the balance because I was never late, but it still has a late payment which I never owed in XXXX  child support. Do not report to credit. Please delete this account. They keep adding negativity things to my credit. Thats not true. Please delete this I dont owe them anything, and this is not a account never borrow money from them never

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 2024-05-17 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:
ON XX/XX/year> I WAS RELEASED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPON MY RELEASE I WANTED TO GET MY LIFE IN ORDER AND GET ON MY FEET. MY FIANCE AT STARTED LOOKNG INTO MY CREDIT SO I COULD GET A CAR AND OTHER THINGS I MIGHT NEED. WHEN SHE PULLED MY CREDIT REPORTS WE FOUND THAT MY INFORMATION WAS STOLEN AND USED TO BE OPEN AT LEAST 20 ACCOUNTS, FROM LOANS TO CREDIT CARDS ECT. AMOUNTING IN AT LEAST XXXX IN CREDIT DEBT. WE DID NOT KNOW WHAT TO DO. SO WE DECIDED TO CALL THESE CONSUMER AGENCIES ( XXXX, XXXX, TRANSUNION ) AND LET THEM KNOW WHAT HAPPENED, BUT THEY TREATED ME LIKE I WAS THE CULPRIT, HANGING UP ON ME AT TIMES, OR REFUSING TO HELP ME ALTOGETHER OR SAYING MAIL IN A DISPUTE THEN SAY THE INFO WAS VERIFIED. I AM STUCK AT THIS POINT IN MY LIFE BECAUSE I CAN NOT GET ANY KIND OF CREDT, NOT EVEN A CAR OR HOUSING DUE TO MY CREDIT PROFILE HAVING TONS OF FRAUDUDLENT DEBT ON IT. AND I THE THREE CREDIT REPORTING AGENCIES IS MAKING IT CLOSE TO IMPOSSIBLE FOR ME TO CLEAR MY NAME. IF ANY HELP S AVAILABLE WITH THIS SITUATION I WOULD GREATLY APPREICIATE IT. I ALSO HAVE WENT TO THE POLICE STATION TO FILE A POLICE REPORT, BUT SO FAR IT HAS HAD LITTLE TO NO EFFECT WHEN IT COMES TO THESE CREDIT AGENCIES OR CREDITORS.

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 2024-05-17 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: MI

Complaint narrative:
ON XX/XX/year> I WAS RELEASED FROM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. UPON MY RELEASE I WANTED TO GET MY LIFE IN ORDER AND GET ON MY FEET. MY FIANCE AT STARTED LOOKNG INTO MY CREDIT SO I COULD GET A CAR AND OTHER THINGS I MIGHT NEED. WHEN SHE PULLED MY CREDIT REPORTS WE FOUND THAT MY INFORMATION WAS STOLEN AND USED TO BE OPEN AT LEAST 20 ACCOUNTS, FROM LOANS TO CREDIT CARDS ECT. AMOUNTING IN AT LEAST XXXX IN CREDIT DEBT. WE DID NOT KNOW WHAT TO DO. SO WE DECIDED TO CALL THESE CONSUMER AGENCIES ( EXPERIAN, XXXX, XXXX ) AND LET THEM KNOW WHAT HAPPENED, BUT THEY TREATED ME LIKE I WAS THE CULPRIT, HANGING UP ON ME AT TIMES, OR REFUSING TO HELP ME ALTOGETHER OR SAYING MAIL IN A DISPUTE THEN SAY THE INFO WAS VERIFIED. I AM STUCK AT THIS POINT IN MY LIFE BECAUSE I CAN NOT GET ANY KIND OF CREDT, NOT EVEN A CAR OR HOUSING DUE TO MY CREDIT PROFILE HAVING TONS OF FRAUDUDLENT DEBT ON IT. AND I THE THREE CREDIT REPORTING AGENCIES IS MAKING IT CLOSE TO IMPOSSIBLE FOR ME TO CLEAR MY NAME. IF ANY HELP S AVAILABLE WITH THIS SITUATION I WOULD GREATLY APPREICIATE IT. I ALSO HAVE WENT TO THE POLICE STATION TO FILE A POLICE REPORT, BUT SO FAR IT HAS HAD LITTLE TO NO EFFECT WHEN IT COMES TO THESE CREDIT AGENCIES OR CREDITORS.

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 2024-05-17 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error 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 2024-05-17 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: CA

Complaint narrative:
I'm reaching out to formally register a complaint regarding the inaccurate reporting of certain accounts on my credit report. It has been brought to my notice that the company responsible for reporting these accounts has made errors. They have admitted to an internal issue that led to the incorrect posting of past due statuses. 

I kindly ask that you conduct a thorough investigation into this account and rectify its status to accurately reflect that I have never been late. The accounts details are as follows : The details of the accounts in question are as follows : XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX 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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
At approximately XXXX on XX/XX/XXXX a transaction labeled " XXXX XXXX : XXXX XXXX XXXX XXXX '' took {$1000.00} out of my checking account. I did not approve nor make this transaction. Chime is the bank I use. I have filed a dispute. They tell me it's currently under investigation. I have just recently lost my Job and that money was for the 2 weeks of paid vacation that my company owed me for. I had to use it to pay my truck note and car note and energy bill. I was expected to have XXXX Dollars left to my name. Now I have XXXX $ left to my name because someone authorized the transaction of {$1000.00}. I am in dire need of my money. I have a family to support and am currently having to stress about getting my job back or find another. This money was supposed to support us until I go to my XXXX XXXX to fight for my job. Now I can't afford to travel to fight for my job. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: NC

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b  ) XXXX Experian Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX v Experian XXXX , Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

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 2024-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX. 
ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-17 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: IL

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Dear Customer Care, I received a letter in my office from Kimball, Tirey & St John LLP asking me to pay a debt amounting to {$40000.00} to XXXX XXXX  btw This company is a debt collector. I never know this person by the name of XXXX XXXX. 

The mail was mailed to this address at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX address to my name. I never owned this property before, nor did I purchase it before. 

Regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Student Loans are showing on my credit report under DEPT OF ED/XXXX  Account # XXXX for the amount of {$1800.00}, my other student loan that was reporting was removed but the otheris still on which both loans have the same reporting dates they were previously under XXXX/DEPT ED for the same amount which mean the accounts were sold. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. Also my loans have inaccurate information with different dates showing for opening dates, last reported, last active, and last payment dates across all 3 agencies.

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 2024-05-17 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/2024 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 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 
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 inaccuracy.

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