vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report XXXX Dear Sir/Madam XXXX XXXX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending 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
Consumer complaint received 2024-09-21 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: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states 604a section 2, it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had multiple late payments on account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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:
I reviewed my consumer reports and noticed that I had multiple late payments on account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry 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 2024-09-21 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Santander Consumer USA has been reporting monthly that my account is " CO '' ( charged off ), which violates the FCRA. I have never received a 1099-C from them, yet they continue to report this to my credit report. I dont understand how an account can be charged off every month since XX/XX/year>. Ive sent multiple letters and disputed this with various companies. While it has been removed from one reporting agency, it remains on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: FL

Complaint narrative:
I am writing to urgently notify you that I have been a victim of identity theft, resulting in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to address and remove them. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC XXXX and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my XXXX  XXXX bankruptcy by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 
Background and Details of the Complaint : Record Type : XXXX XXXX bankruptcy discharged. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number of the Court : ( XXXX ) XXXX. 
Dispute Processing : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the bankruptcy record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on Me : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy.

Resolution Sought : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-21 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-21 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: NJ

Complaint narrative:
I had an installment payment With XXXX from XX/XX/XXXX, XXXX, and on XX/XX/XXXX, I made my final payment of {$680.00}. I received an email from XXXX that stated that I have no outstanding balance and that my purchase was paid off on XX/XX/XXXX. 
I viewed a copy of my credit report and saw that this is being reported on my credit as derogatory on Transunion and was not even stated as PAID. I contacted Transunion on this reporting issue, and they told me that this will continue to be reported for seven years. I am distressed about this reporting because I am trying to get my credit to a level where I can purchase my house.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
This institution is reporting charge-off accounts on my XXXX and XXXX credit report. However, they have failed to conduct proper investigations or provide the necessary documentation as required by law under the Fair Credit Reporting Act ( FCRA ). 

As per my rights under the FCRA ( 15 U.S. Code 1681i ), I formally disputed these charge-off accounts, requesting a full investigation and validation of the debts in question. According to the FCRA, credit reporting agencies and the institutions furnishing the information are required to : Investigate the Dispute : Upon receiving a dispute, the information provider must conduct a thorough investigation and respond to the consumer within 30 days. 

Provide Written Results : The consumer must be provided with the results of the investigation and any supporting documentation that proves the validity of the debt. 

Cease Reporting if Unverified : If the information provider is unable to verify the debt after an investigation, they are required by law to cease reporting the incorrect or unverifiable information to the credit bureau. 

Despite multiple disputes, these institutions have not provided me with the required results of their investigations. Furthermore, I have not received the proper validation documents to substantiate the charge-off accounts. This is a direct violation of the FCRA and my consumer rights. 

I am requesting that these institutions be held accountable for failing to adhere to the legal obligations outlined in the FCRA. I ask that these charge-off accounts be immediately removed from my credit report due to their inability to provide proper validation and investigation results. Additionally, I am requesting that these institutions notify XXXX to delete any erroneous or unverifiable information. 

I appreciate your attention to this matter and expect swift action to resolve these issues. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America and all their digital platforms have been Fraudulently allowing the criminals to steal from all my accounts at BOA since XXXX the Criminals have stolen over XXXX thru fraudulent wire transfers, ATM transactions and actual bank withdrawals all while I was in the hospital. I reported the fraud as soon as I was coherent enought to. realize what had been happening while I was incapacitated. 
This has cause Financial hardship and serious, physical, mental, emotional, and psychological effects due to BOA lack of providing any information I have requested over XXXX  months! please help an elderly woman being mentally abused by a Giant Babk! .

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 2024-09-21 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: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending 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 2024-09-21 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: GA

Complaint narrative:
I have been sending dispute letters ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), demands and document request for almost a year with several certified mail recents, this company as shown clear signs of willful non compliance by refusing to accept documents sent with dispute letters, also by willfully reporting 2 different accounts with the same company and mostly breaking several FCRA laws. This would be the second CFPB complaint with no action taken by the company. Exact accounts, dates, along with proof of identity, recent paystubs, original copy of birth certificate, copy of Valid State ID, recent bank statements, recent utility bills and copies of Consumer Reports purchased from Identity IQ dating ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ) have been attached to all 4-6 months old certified mail dispute recents. I am filing this claim to support legal action for statutory, Punitive, and civil liability damages. 

For refusing to update personal information, disputing and removing positive accounts on consumer report that wasn't requested but ignoring actual negative items disputed resulting in a negative credit score and high interest rates, willful non compliance for FCRA laws 15 USC 1681A ( Definitions ; rules of construction ), 15 USC 1681E ( Compliance Procedures ), 15 USC 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), 15 U.S. Code 1681d ( Disclosure of investigative consumer reports ) ,15 U.S. Code 1681i ( Procedure in case of disputed accuracy ), 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) I will also be filing a complaint with the 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 non-monetary relief
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
I have been sending dispute letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, demands and document request for almost a year with several certified mail recents, this company as shown clear signs of willful non compliance by refusing to accept documents sent with dispute letters, also by willfully reporting 2 different accounts with the same company and mostly breaking several FCRA laws. This would be the second CFPB complaint with no action taken by the company. Exact accounts, dates, along with proof of identity, recent paystubs, original copy of birth certificate, copy of Valid State ID, recent bank statements, recent utility bills and copies of Consumer Reports purchased from XXXX XXXX XXXX  ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ) have been attached to all XXXX months old certified mail dispute recents. I am filing this claim to support legal action for statutory, Punitive, and civil liability damages. 

For refusing to update personal information, disputing and removing positive accounts on consumer report that wasn't requested but ignoring actual negative items disputed resulting in a negative credit score and high interest rates, willful non compliance for FCRA laws 15 USC 1681A ( Definitions ; rules of construction ), 15 USC 1681E ( Compliance Procedures ), 15 USC 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), 15 U.S. Code 1681d ( Disclosure of investigative consumer reports ) ,15 U.S. Code 1681i ( Procedure in case of disputed accuracy ), 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation