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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Former : XXXX XXXX  Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$63.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$750.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Former : XXXXXXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$63.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$750.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-01 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: World Omni Financial Corp.
State: GA

Complaint narrative:
I checked my credit report recently because I was released from XXXX and I needed to find somewhere to live only to find out that my credit report had open accounts and inquiries on there that I did not authorize due to me being XXXX and it was impossible for me to do some myself. I reached out to these companies only for them to keep on verifying information and tell me that they say its accurate. Im trying to figure out how its accurate I have proof of XXXX Proof that I file a police report prove that I filed the FTC report still only to not get help or get the item removed from my credit report, this is my final attempt in trying to fix this issue and if this can not be fixed, Ill be seeking legal action against the company For damages and defamation I will also attach supporting documents. I reached out to this company to send me a fraud packet. They never did so. They only send me letter saying that they will not remove the items. This item has been stopping me from signing somewhere to live in. Im pretty much XXXX  and the weather where I live at is about XXXX now. What this company is doing is illegal and theyre violating my rights as a consumer and also violating the US 1681.

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 — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I opened this credit card in XX/XX/2019, just before the onset of the pandemic. I have consistently maintained a good payment history once you review my history. Unfortunately, I encountered financial difficulties and was unable to keep up with the monthly payments, which led to falling behind. I reached a settlement agreement with Goldman Sachs, resulting in a charge-off of {$1300.00}, which I paid on the same day we finalized the settlement XXXX XXXX during our discussion with Goldman Sachs Apple credit card, we also agreed that upon full payment, the late payments would be removed, and my credit report would be updated to reflect on-time payments, eliminating the negative marks. Since then, I have provided proof of payment, but the agreed-upon changes have not yet been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a hard hit for credit card I didn't apply for with XXXX XXXX XXXX. I would like it removed from my hard hits.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed an account with XXXX XXXX XXXX on XX/XX/year> company and credit reporting agency, Experian, they stated the account was verified as accurate on XX/XX/year> and would remain on the credit report. Experian did not provide the requested validation. I submitted a second dispute for the same account on XX/XX/year> and Experian again stated on XX/XX/year> that the account was accurate and would remain without providing any validation information. I submitted a third dispute for the same account on XX/XX/year> and Experian stated the account was verified as accurate on XX/XX/year> and would remain on the credit report without providing any validation information.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$87.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : {$390.00} 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$160.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( B ) Extension of period to reinvestigate ( C ) Limitations on extension of period to reinvestigate ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. You have 30 days to respond or delete all accounts asap. Account Below Acct # Account Name XXXXXXXX XXXX XXXX Balance- {$230.00} Account Name- XXXX XXXX XXXX XXXX XXXX {$99.00}

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
Refuses to validate my account using phone number on my account and credit profile.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I registered with Experian many years ago... I was notified via XXXX letter my personal information was leaked by 3rd party... I attempted to login to Experian with my personal information ... but unable to... Experian will not allow me to access system/credit report. I've attempted to call them 100s of times ... the only way to access is online which they say they are texting to my cell phone... but they don't... so I can't access system. 

Experian will not allow me to talk to a customer service rep ... only online access is available... thus I can't access my credit report... Experian should be investigated ... this is talked about all over the internet Experian is not allowing peopel to access their reports.

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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I sent an affidavit to Nordstrom/TD Bank requesting the signed contract, authorized representative for the company, irs forms that was filed or that need to be filed to cancel the debt 1099OID, 1099A and 1099C. And to update my consumer credit report. I have not received any response or updates. Attached is a copy of my affidavit.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: TN

Complaint narrative:
I disputed an account with XXXX on XX/XX/year> company and credit reporting agency, Experian, stated the account was verified as accurate on XX/XX/year> and would remain on the credit report. Experian did not provide the requested validation. I submitted a second dispute for the same account on XX/XX/year> and Experian again stated on XX/XX/year> that the account was accurate and would remain without providing any validation information. I submitted a third dispute for the same account on XX/XX/year> and Experian stated the account was verified as accurate on XX/XX/year> and would remain on the credit report without providing any validation information.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XX/XX/year> I sent a letter to LVNV LLC via certified asking for a wet signature proving that I have an agreement with LVNV LLC to collect a debt from me within 30 days in receipt of the letter. I have not received any proof or have not received a wet signature from LVNV LLC.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit 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.

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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable reporting. I have identified the following issues with this account : Identified Issues : XXXX. Inconsistent Comments Across Credit Bureaus : XXXX : Dispute resolved ; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Consumer disputes after resolution ; closed or paid account/zero balance. 
These inconsistent comments create confusion for lenders and may indicate unresolved disputes, despite the account being paid and closed. 
2. Late Payment Reporting on a Closed Account : The payment history shows multiple 30-day late marks for a closed account with a {$0.00} balance. If the account is resolved and paid off, such marks should not appear unless accurate and verified.

3. Failure to Properly Update or Remove Dispute Comments : If the dispute is resolved, the comments section should reflect this. Leaving dispute-related remarks misrepresents the accounts current status. 
4. Inconsistent Reporting Across Bureaus : Equifax uses inconsistent terms, reporting Closed or paid account/zero balance, while others simply state Closed or Paid.

5. Inaccurate Reporting of Payment History : The presence of 30-day late marks on all three bureaus payment history while the account is current, paid, and closed with a {$0.00} balance could be misleading.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure accuracy and consistency in reporting. The discrepancies in dispute comments and payment history violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved and the information remains incorrect, 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 be furnishing inaccurate or misleading information regarding payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments or dispute comments may be obsolete and improperly retained beyond the allowable reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
- The international wire was originated on XX/XX/XXXX. 
- The money could have been credited on my account on XX/XX/XXXX but still hasn't arrived on XX/XX/XXXX. 
- I called American Express Rewards Checking to look into the matter on XX/XX/XXXX. They asked for the OMAD number. At the same time, the informed me that I'm not able to receive foreign wires on my account, which is interesting because I have been receiving foreign wires in the past. The last one was credited on my account in XXXX. Regardless, if this is correct, they should have rejected the wore and sent the money back to the originator that they didn't do. 
- The originator bank is in XXXX, called XXXX XXXX XXXX, started their investigation on XX/XX/XXXX. They reached out to American Express via wire message that they didn't receive a response from. From other banks ' in the process they received the following information : { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX } } { XXXX : XXXX XXXX XXXX : XXXX XXXX : WE REFER TO OUR DEBIT TO YOUR ACCOUNT DATED. 
XX/XX/XXXX VALUE XX/XX/XXXX UNDER REFERENCE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
WE. 
CONFIRM PAYMENT EFFECTED IN ACCORDANCE WITH YOUR. 
INSTRUCTION ON XX/XX/XXXX. FUNDS CREDITEDTO. 
THE BENEFICIARIES ACCOUNT UNDER OUR REFERENCE. 
XXXX. 
. 
PLEASE AVOID DUPLICATION. 
. 
PLEASE QUOTE OUR REFERENCE NUMBER, XXXX IN. 
ALL FUTURE CORRESPONDENCE RELATING TO THIS CASE. 
. 
REGARDS, PAYMENT INVESTIGATIONS. 

Still, American Express Rewards Checking is unable or unwilling to locate the funds, credit it on my account, or reject it and send it back to the originator. I request the bureau 's help in this matter.

Company response to consumer: Closed with explanation