vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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:
Dear Sir/Madam, I am writing to address a serious issue regarding a collection account on my credit report, which has been causing me significant distress and financial harm. The collection account in question is from XXXX XXXX XXXX XXXX, and despite my numerous attempts to resolve this matter, I have been met with repeated disregard and negligence on the part of your organization. 

I have diligently followed the proper channels by contacting XXXX XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) and Better Business Bureau ( BBB ) with proof of my attempts to resolve this issue. However, my efforts have been consistently ignored, and I have not received any written notification from them regarding the validity of this debt before it was placed on my credit report. 

It is alarming that Experian has failed to provide any evidence of a written notification being sent to me, as required by consumer protection laws. While both XXXX and XXXX have acknowledged the lack of verification for this collection account and have removed it from my credit report, Experian continues to insist that the information is accurate without providing any substantiating evidence. 

I have repeatedly requested proof of verification from Experian, only to be met with silence and further delays. This blatant violation of my consumer rights and the persistence in reporting inaccurate information is unacceptable and is hindering my efforts to rectify my credit profile. 

Furthermore, I must emphasize that I am a victim of identity theft, and the unwarranted presence of this collection account on my credit report is impeding my ability to restore my identity and financial stability. Experian 's refusal to cooperate and rectify this situation is exacerbating the harm caused by this wrongful reporting. 

I demand immediate action to rectify this matter, including the removal of the disputed collection account from my credit report and a thorough investigation into the mishandling of my consumer information. Failure to comply with these demands will leave me no choice but to pursue legal action against Experian for its blatant disregard of my consumer rights and its role in perpetuating the harm caused by identity theft. 

I urge you to take this matter seriously and act swiftly to address these concerns. I expect a prompt response detailing the steps you will take to resolve this issue satisfactorily.

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 2024-07-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer 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 consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXX accounts have resulted in several fraudulent chargeoff accounts being reported to my XXXX XXXX Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the XXXX FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.

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 2024-07-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer 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 consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX  in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXX accounts have resulted in several fraudulent chargeoff accounts being reported to my XXXX XXXX Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the U.S FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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.

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 explanation
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
I am frustrated by the response from the credit reporting agencies claiming that the investigation of these accounts came back as verified. My credit report still contains multiple inaccuracies.

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I have the right to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure these disputed items are accurate.

Despite these investigations, my credit report still reflects discrepancies. Please rectify these errors promptly and provide the documentation I am entitled to under the law.

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 2024-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
I am still unable to pay my mortgage. I have the money and they don't want my payments. I have spent hours on the phone over the last two months trying to get this resolved. My first complaint went nowhere. I am two months behind and they just keep charging me more fees and giving me the run around.

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking at my credit report on XX/XX/year>, and I found that some addresses and other personal information to be incorrect. 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 15 U.S.C. 1681e ( b ). 

Experian continues to report my name, my address, phone number incorrect on my credit report. I also have attached my letter that Ive sent Experian in XXXX of 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
My account reflected a pending negative balance of {$33.00}, on XX/XX/year>. I made a transfer of {$34.00}, to satisfy the amount owed at XXXX, on XX/XX/year>. This was before the processing cut-off time which is XXXX. 
I am late on my line of credit payment. XXXX XXXX processed a forced automatic payment to the line of credit, which swept the {$34.00} out of the checking account, into the line of credit. This subsequently resulted in an overdraft charge in my checking account, although I made the deposit to cover the pending balance. The forced automatic transfer can not be disabled so I will continue to accumulate fees until the monthly payment is made to the line of credit. Ironically there is no late fee associated with the line of credit. That would have been one late fee for one late payment. This tactic railroads the consumer into potentially being accessed multiple overdraft fees regardless of the efforts made to cover the initial transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-24 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX To whom it may concern, I recently received a copy of my XXXX credit report and I noced some late payments posted on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XXXX  {$220.00} XXXX  {$25.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been late with this account the late is not reported from the company Your company is in clear violaon of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsecon ( c ) any consumer reporng agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the wrien instrucons of the consumer to whom it relates.

Did I give you wrien instrucons to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to secon 1681s-3 of this tle, any ( i ) report containing informaon solely as to transacons or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violaon of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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 am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

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 2024-07-24 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: SC

Complaint narrative:
Relay bank has frozen my account after receiving wire transfers from a company I do business with, and is demanding copies of my contract with this business before they will release my funds. This is a massive overreach and outside of their scope. I provided other requested documentation, such as my identification and XXXX XXXX, as well as my most recent XXXX  payout statement, which was already pushing the line. They have been slow to respond and will not give me a timeline as to when I can access the funds in order to leave their bank for another.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: KS

Complaint narrative:
I disputed inaccurate accounts & Equifax said theyre not reporting on my credit report so why is it still there?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Synovus Bank
State: GA

Complaint narrative:
I have tried to dispute this multiple times and get this removed off of my credit report multiple times with no response, contract, or proof of allege debt from creditor. I provided an FTC report to prove that it was not my debt but the creditor still has not repsonded. The first dispute was on XX/XX/year>, The second dispute was on XX/XX/year>, and the third dispute was on XX/XX/year> all with no response and FTC attached as well as proof of identity. This is not my debt and I would like for the accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
These are all the overdraft fee transaction I have had in the past 12 months. only three reversals as you can see. 

XX/XX/XXXXXXXX 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 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 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 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 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: MO

Complaint narrative:
My vehicle was totaled in a hail storm, Carmax was notified of this by my insurance company and arrangements for final payment were made with my insurance company. Carmax continued to call me daily requesting payment. I explained the check was being sent. The check was in fact sent and received by Carmax on XX/XX/XXXX. I contacted them asking how long before the payment would post. I was told 2-3 days. I continued to receive harassing calls, I explained that they have the check, I provided the check number and tracking information. I continued to get harassing calls. I was then told by Carmax that they would put my account on a cease and desist from calling list ( their words ). I continued to get harassing calls daily. Again, I explained the situation and was assured my account would not be contacted. WRONG, I continued to get harassing calls. CARMAX has the final payment but for whatever reason has not posted it to my account. This also made it more difficult to get a new loan because it appears that I still own the previous car. In addition, they have harassed me daily at work and home, wasting my time, interrupting my work and still have not posted the check. I did get financing for a new car but suspect have a higher rate.

Company response to consumer: Closed with explanation