vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to dispute the accuracy of an account reported by CB/VICSCredit on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from misleading debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The High Credit amounts differ across bureaus : {$480.00} ( TransUnion ), {$340.00} ( XXXX ), and {$0.00} ( XXXX ). Additionally, the Account Open Date is inconsistent. These discrepancies violate 15 U.S.C. 1681e ( b ). 
XXXX. Discrepancy in Last Reported Dates : The Last Reported dates vary : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). These inconsistencies indicate a failure to maintain accurate and updated information. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/XXXX ( TransUnion and XXXX ). If no activity has occurred since then, this account may be nearing or exceeding the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ).

4. Unauthorized Transfer or Sale of Debt : I did not agree to any payment or authorize the transfer or sale of this account to another party. Reporting this account as Purchased by another lender without consent violates 15 U.S.C. 1692e of the FDCPA.

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.

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 2024-12-01 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: NM

Complaint narrative:
I am writing to dispute the accuracy of an account reported by XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from misleading debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The High Credit amounts differ across bureaus : {$480.00} ( XXXX ), {$340.00} ( XXXX ), and {$0.00} ( Experian ). Additionally, the Account Open Date is inconsistent. These discrepancies violate 15 U.S.C. 1681e ( b ). 
XXXX. Discrepancy in Last Reported Dates : The Last Reported dates vary : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX ). These inconsistencies indicate a failure to maintain accurate and updated information. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/XXXX ( XXXX and Experian ). If no activity has occurred since then, this account may be nearing or exceeding the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
4. Unauthorized Transfer or Sale of Debt : I did not agree to any payment or authorize the transfer or sale of this account to another party. Reporting this account as Purchased by another lender without consent violates 15 U.S.C. 1692e of the FDCPA.

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.

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 2024-12-01 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: NM

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below, I have outlined the specific issues with this account : 1. Inconsistent Comments Across Credit Bureaus : TransUnion : Closed. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Closed or paid account/XXXX  balance. 
These inconsistencies in comments create confusion and may mislead lenders about the status of the account. 
2. Late Payment Reporting on a Closed, Paid Account : The account has a {$0.00} balance and is marked Closed or Paid across all bureaus. However, the payment history shows multiple 30-day late marks, which is inaccurate if the account is resolved and paid off. 
XXXX. Failure to Update or Resolve Dispute Comments : The comments reflect ongoing disputes despite the account being marked as resolved and closed. This misrepresentation may harm the creditworthiness of the consumer.

4. Inconsistent Reporting Across Bureaus : The Last Reported dates differ : TransUnion and XXXX : XX/XX/year>. 
XXXX : XX/XX/year>. 
While minor, this discrepancy shows a lack of synchronization and proper updates across the bureaus. 
XXXX. Contradictory Payment History : Despite the account being marked as Current and having a {$0.00} balance, the payment history contains 30-day late marks. If unverifiable or inaccurate, they violate FCRA requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The discrepancies in dispute comments, payment history, and reporting dates violate this standard.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes have been filed and the information remains inaccurate or unresolved, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have provided inaccurate or misleading information regarding the payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they must be removed from the report.

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 2024-12-01 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: NM

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below, I have outlined the specific issues with this account : 1. Inconsistent Comments Across Credit Bureaus : XXXX : Closed. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Closed or paid account/XXXX  balance. 
These inconsistencies in comments create confusion and may mislead lenders about the status of the account.

2. Late Payment Reporting on a Closed, Paid Account : The account has a {$0.00} balance and is marked Closed or Paid across all bureaus. However, the payment history shows multiple 30-day late marks, which is inaccurate if the account is resolved and paid off.

3. Failure to Update or Resolve Dispute Comments : The comments reflect ongoing disputes despite the account being marked as resolved and closed. This misrepresentation may harm the creditworthiness of the consumer. 
XXXX. Inconsistent Reporting Across Bureaus : The Last Reported dates differ : XXXX and Experian : XX/XX/year>. 
XXXX : XX/XX/year>. 
While minor, this discrepancy shows a lack of synchronization and proper updates across the bureaus. 
5. Contradictory Payment History : Despite the account being marked as Current and having a {$0.00} balance, the payment history contains 30-day late marks. If unverifiable or inaccurate, they violate FCRA requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The discrepancies in dispute comments, payment history, and reporting dates violate this standard.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes have been filed and the information remains inaccurate or unresolved, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have provided inaccurate or misleading information regarding the payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they must be removed from the report.

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 2024-12-01 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:
As of XXXXXXXX XXXX XXXX my student loans, around {$69000.00}, were transferred from XXXX to XXXX but my credit report has not been updated to show that I no longer owe XXXX. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and XXXX, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to XXXX twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXXXXXX XXXX XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the XXXX student loans. In fact, those loans are still showing up as open with the original balances. There are still five open XXXX accounts on my Experian credit report with large balances. I have attached the Experian credit report to this complaint as well.

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 2024-12-01 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:
As of XXXXXXXX XXXX XXXX my XXXX XXXX, around {$69000.00}, were transferred from XXXX to XXXX but my credit report has not been updated to show that I no longer owe XXXX. The XXXX XXXX are being reported twice on my credit report showing open XXXX XXXX balances with both XXXX and XXXX, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to XXXX twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXXXXXX XXXX XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the XXXXXXXX XXXX XXXX. In fact, those loans are still showing up as open with the original balances. There are still XXXX open XXXX accounts on my Experian credit report with large balances. I have attached the Experian credit report to this complaint as well.

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 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Collection agency : XXXX XXXX XXXXXXXX XXXX and transunion are continuing to allow the reporting of the above account but I have told them that the collection agency has not provided the bill of sale or the assignment to prove they have the right to collect. XXXX only sent me a bill. They still have not shown me how they acquired the rights to the account. XXXX and Transunion are in violation of the fair debt collection practices 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 2024-12-01 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: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/AMAZON XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Until now I still don't know where it came from why I had a limit by XXXX XXXX XXXX XXXX, although it can be seen from my transaction that I did not sell anything like that. I'm expecting that money to pay the rent of the house my family lives in, my due date is on XX/XX/XXXX, now I'm having XXXX  and I'm confused where I'm going to get the money because we might be evicted from the house, You don't know what trauma you cause by permanently limiting for the wrong reason. It would be ok if I really sell, but no, I don't really sell XXXXXXXX XXXX XXXX. if this XXXX is attact my mental health i dont know what can i do? Its so stress full im feeling so down now about my family I hope God will have mercy on you for what you are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
They keep calling me multiple times a day. I still get the call even I blocked the number. I explained to them the situation too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: IN

Complaint narrative:
Dear Experian, I am writing to address a concerning discrepancy in my credit report. I was dismayed to find that an item that had previously been removed by two other credit reporting agencies has been re-verified by your agency. This has raised serious concerns for me, as the other agencies concluded that the item was unverified and subsequently deleted it from my credit report. 

It is important to note that this item in question is a result of identity theft, which has caused significant distress and harm to my mental, emotional, and physical well-being. I find it deeply troubling that despite the clear evidence of fraudulent activity associated with this debt, your agency has chosen to not adhere to the regulations that mandate the validation of such debts. 

I must emphasize that the inaccuracies in my credit report are not only detrimental to my financial standing but also tarnish my reputation and creditworthiness. I urge you to promptly rectify this issue and ensure that the erroneous item is removed from my credit report in accordance with the Fair Credit Reporting Act. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a detailed explanation as to why the item has been re-verified despite the lack of validation from other reporting agencies. It is imperative that this issue be resolved expeditiously to prevent further harm to my credit profile. 

I appreciate your prompt attention to this matter and expect a swift resolution to restore the accuracy of my credit report. Please feel free to contact me at your earliest convenience to discuss this further. 

Thank you for your attention to this urgent matter. 

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I used an extended month/deferment to pay, and they moved that payment to the end of the loan. However, they reported to the credit bureaus that I made late payments, and this is not true.

Company response to consumer: Closed with explanation