vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Check was deposit into my Wells Fargo account at the time with online banking and it wasnt me and the check wasnt mines or wasnt in my name or anything bank seen check froze my account and ended up closing my account

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 2024-12-13 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: TN

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.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX 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 2024-12-13 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: MI

Complaint narrative:
This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX

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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights. Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection : XXXX. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX. or after XXXX XXXX. unless I agree to it. This company calls and texts me even after I have requested them to stop in writing and verbally. I have received calls at XXXX XXXX  on a Sunday. If I request that a debt collector stop contacting me, they must cease communication, except to inform me of specific actions, like legal proceedings. 
XXXX. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. 

Under 15 U.S. Code 1692g - Validation of Debts : XXXX. Debt Validation Notice : Within XXXX days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt XXXX. Right to Dispute : I have the right to dispute the debt within XXXX  days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice. 
XXXX. Proof of Debt : If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Fig Tech Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FIG TECH INC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIG TECH INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIG TECH INC continues its collection efforts, I will file for litigation for actual damages caused and FIG TECH INC shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC ACT and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report, as I am a victim of a recent data breach. I believe fraudulent activity has occurred involving these accounts, and under the provisions of 15 U.S.C.

1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the removal of these items from my credit file. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX FIN - Account Number : XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$210.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$3500.00} XXXX. XXXX  XXXX XXXXXXXX - Account Number : XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$830.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$970.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$590.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2024-12-13 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: OK

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I identified the following account containing inaccurate or unverifiable information : Account Details : Creditor : XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off Past Due Amount : {$1000.00} Balance : {$1000.00} Last Payment Date : XX/XX/XXXX This reported charge-off and associated details are inaccurate and fail to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, as per 15 U.S. Code 1681i ( 5 ) ( A ) : XXXX. If, after a reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified. 
XXXX. The furnisher of the information must also be notified of any modifications or deletions to the consumers file. 

I request that you reinvestigate this account and provide the following : Verification of the accuracy of this account, including any supporting documentation provided by XXXX XXXX XXXX. 
Evidence that the reported charge-off complies with FCRA standards, including the required notice and procedures. 

If the information can not be verified, I demand that it be removed from my credit report in accordance with 15 U.S. Code 1681i ( 5 ) ( A ).

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
They are trying to collect on debts that are no longer owed in because the company charged them off. They should not be on my credit report at all and the company got their tax write off for this debt. I never got the 1099 C for the debts in question and now they are committing fraud by trying to collect more money in this debt again and not providing accurate information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XXXX TX XXXX C/O PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Subject : Urgent Request for Removal of Inaccurate Late Payment Reporting Dear PH Mortgage Services, I am writing to formally request the immediate removal of an inaccurate late payment reporting for the month of XXXX on my credit report. I was in a forbearance status during that time, and as confirmed by XXXX from your escalation department, this payment should not have been reported as late. 

As a veteran with a XXXX XXXX, this issue is not only an error but also a violation of my rights. The incorrect reporting has negatively impacted my credit score, which is causing significant harm to my family. Due to this error, I am currently unable to receive additional credit, which is affecting our financial stability. 

I respectfully request that this late payment be removed from my credit report within the next 7 days. Should this not be resolved within the requested timeframe, I will be forced to take further action, including obtaining legal representation and filing a formal complaint with PH Mortgage Services as well as the XXXX XXXX XXXX XXXX XXXX XXXX in the state of Texas. 

I trust you will address this matter promptly and I look forward to your swift resolution. 

I have attached proof of both the email I was sent from PHH and the forbearance letter stating no late payment should be reported for those months. 

Sincerely, [ XXXX XXXX ] [ Account Number : XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I routinely use XXXX to finance activities associated with my profession of a XXXX XXXX  where I have to purchase supplies to build a set on a XXXX  's income. I have set up several loans through XXXX. I also have had to take some XXXX XXXX time away from XXXX. I had some difficulty managing finances in XXXX, and XXXX  could not be paid due to lack of income. They reported each loan as it's own credit card to the credit agency. I have since come current with all these accounts and some of these loan 's are reported now as " closed. '' I have been regularly checking in with them to see if they update their system, they are telling me they update every 7 days. But they do not. I have regularly pulled information since XX/XX/XXXX and it is now XX/XX/XXXX and they're still using XX/XX/XXXX 's information to make decisions despite the fact that the reports do not seem to act quickly enough. The holidays are here and I had hoped that this account would simply recover and it isn't, they are not even updating information in a timely fashion that is part of their policies. This is predatory behavior. I was bated into believing this is one account, they then intern report to a credit agency and when I come current they are not interpreting their own reporting properly.

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 2024-12-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> was the deadline to pay XXXX XXXX. I paid via phone. However, because the payment was misapplied, XXXX reported the account in error between XXXX. I disputed with XXXX in XXXX. 

After its internal investigation concluded on XX/XX/year>, XXXX agreed to remove the entry from ALL credit bureaus. However, despite my XX/XX/year> dispute with Equifax AND multiple disputes with XXXX in XXXX and XXXX, the information remains. Not only does it remain on my credit, I am unsure how XXXX and XXXX validated the account, despite the documentation. My prize is now the balance was updated to {$0.00}, but it still caused my credit score to drop when I purchased my car XXXX. 

I even had my attorney write a letter, which was also ignored, as the information remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
XXXX XXXX allowed for someone to open up a loan account in my name without asking for or obtaining any ID verification. I have reached out several times with no success. This is a fraudulent account. I have also informed police.

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 2024-12-13 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: CA

Complaint narrative:
XXXX XXXX allowed for someone to open up a loan account in my name without asking for or obtaining any ID verification. I have reached out several times with no success. This is a fraudulent account. I have also informed police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
XXXX XXXX allowed for someone to open up a loan account in my name without asking for or obtaining any ID verification. I have reached out several times with no success. This is a fraudulent account. I have also informed police.

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