vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am submitting this complaint to formally address the continued gross mishandling and inaccurate reporting of my XXXX account by XXXXXXXX XXXX  and the credit bureaus. Despite my repeated disputes over the past six months, this account remains on my credit reports with derogatory and unverifiable information. 

The following issues highlight the egregious violations of my consumer rights : Failure to Validate Debt : XXXXXXXX XXXX has failed to provide any form of validation or documentation to substantiate the reported late payments and derogatory marks. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) require that creditors verify the accuracy of disputed information. Their continued reporting without validation is a direct violation of these laws. 

Inconsistent Reporting : XXXX shows the account as Deleted and marked Paid, while also reporting a XXXX late payment status, which is contradictory. 
XXXX and TransUnion continue to show the account as Closed with a Late 120 Days status, despite no evidence of these late payments being provided. 
These discrepancies across the bureaus demonstrate inconsistent and unreliable reporting. 

False Verification by Bureaus : My disputes with the credit bureaus have resulted in them claiming the account has been verified. However, if XXXXXXXX XXXX can not provide proper validation, it is clear they are submitting false verification to the bureaus, which is fraudulent and unlawful. This practice undermines my right to an accurate credit report. 

Statutory Violations : Continued reporting without validation violates the FDCPA ( 15 U.S.C. 1692g ), which requires debt collectors to cease collection until validation is provided.

Inaccurate reporting and failure to correct errors violate the FCRA ( 15 U.S.C. 1681i ), which mandates accurate reporting and timely correction of disputed items.

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 2024-12-11 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: PA

Complaint narrative:
I recently disputed information on all three consumer agencies experian and Equifax continue to furnish improper and fraudulent trades while XXXX has taken the proper steps and as of XX/XX/scrub>XXXX have deleted these accounts and all derogatory information associated with the accounts. I asked the Equifax and XXXX follow suit based on FCRA if information is deemed incomplete, improper or fraudulent and one of the consumer agencies has deleted information the other consumer agencies shall do such and block these accounts from any future reporting on my customer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
I recently disputed information on all three consumer agencies experian and XXXX continue to furnish improper and fraudulent trades while XXXX has taken the proper steps and as of XX/XX/year> have deleted these accounts and all derogatory information associated with the accounts. I asked the XXXX and Experian follow suit based on FCRA if information is deemed incomplete, improper or fraudulent and one of the consumer agencies has deleted information the other consumer agencies shall do such and block these accounts from any future reporting on my customer 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-11 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: MD

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
Dear Experian, I am writing to dispute the inaccurate information reported in my credit file. The account listed below shows late payments that I have verified as incorrect. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX or full account number ] Disputed Item : Late payments reported in XXXX, XXXX, and XX/XX/year> I have attached documentation showing my payment history from the creditor, which confirms that all payments were made on time and the account was paid in full as of XX/XX/year>. Specifically : XXXX. Payments were made on [ list key payment dates from the schedule ]. 
XXXX. The total payments match the original balance of {$1500.00}. 

This documentation demonstrates that the late payment entries are incorrect. I respectfully request that you investigate this matter with the creditor and remove the inaccurate late payments from my credit report. Please provide me documentation of the historical history of this account, providing otherwise.

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 2024-12-11 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I started an application with XXXX XXXX XXXX for a 7-years term fixed rate interest annuity policy, compounded XXXX XXXX per annum. On about XX/XX/XXXX the application approval process was complete by the company license agent and then submitted XXXX XXXX XXXX for the policy issuance. After XXXX 's approval, on XX/XX/XXXX I arranged for a wire transfer fund of {$32000.00} to the company WF bank account which XXXX received the wire transfer funds on the same day, evidencing by XXXX policy details record dated XX/XX/XXXX. I expected at the time this policy is issued the premium of this policy would increase to include a few internal XXXX exchange transfers which these XXXX exchanges had already been approved by XXXX 's license employee during XXXX 's review process. Thereafter, the policy packet XXXX would be finally issued. 
However, the policy packet issuance did not happen despite my patience, cooperation, and efforts with XXXX personnels with my hope to have the policy packet XXXX issued with or without the additional XXXX exchange transfers. Thereafter, several months passed by and even with my disagreement XXXX told me this policy is closed. In my opinion, XXXX action was totally unjustified! 
Next, on couple other occasions dated XX/XX/XXXX I respectively submitted 2-applications XXXX and XXXX. These applications involve several internal XXXX exchange transfers, and a wire transfer fund dated XX/XX/XXXX for {$3800.00}. Again, XXXX personnels kept on providing excuses to not issue the policy packets. XXXX unfounded claims concerning no available funds for these applications. XXXX most recent claim in late XXXX XXXX XXXX is not supported due to the fact they did not account for a sum of {$3800.00}, which was wire transferred on XX/XX/XXXX for XXXX and a sum of {$320000.00} was processed and confirmed in XXXX XX/XX/XXXX letter for policy XXXX. 
In summary, I can not help to think that XXXX  had singled me out in delaying the issuance of Policy XXXX and XXXX, respectively. XXXX 's actions concerning these specific applications-policies violated my trust in them and XXXX wrongfully used the cash they received from me in the amount of {$32000.00} since XX/XX/XXXX and {$3800.00} since XX/XX/XXXX without paying the interest. XXXX  apparent discriminated actions caused me money damages and much undue distress. I file this complaint and look forward to having CFPBs assistance to enforce XXXX XXXX XXXX to comply with their obligation towards me and to the public.

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 2024-12-11 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
Dear TransUnion, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account Number : XXXX On XX/XX/XXXX, I sent you a formal dispute letter regarding the reporting of the charge-off account associated with XXXX XXXX XXXXXXXX on my credit report. In this letter, I requested the following : 1. Authenticated double-entry accounting records for the account.

2. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt.

3. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance. 
I requested a response within XXXX days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of response constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . 
Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 
In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within XXXX days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law. 
Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 
This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by XXXX Days from the Date of This Letter Thank you for your immediate attention to this 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-11 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: MN

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were not authorized by me. They must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MN

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were not authorized by me. They must be removed immediately. 
The fraudulent accounts are as follows : 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I've tried to use an Amex giftcard several times, online and in person, for amounts that are no where near the total value of the card. I've tried when I first got the card, then I waited and tried to use it again, thinking that perhaps that would help. It did not. 
I tried calling several phone numbers that I could find online and on the card to speak with customer service. Each time the represenative has no answer, other than telling me to do something that I've already tried ; tried using it in store, tried using it online as a straight up debit card, credit card, and gift card. It never works. Customer service was absolutely XXXX help, putting me on hold for XXXX minutes at a time only to come back with no new information or insight- it was very clearly a tactic to have me just give up and hang up. They did this repeatedly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCEPTANCE NOW ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS.

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

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint against CB/WAYFAIR ( Account Number : XXXX ) for their failure to provide validation of my debt and their continued reporting of inaccurate and unverifiable information to the credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 

I have been disputing this account with the credit bureaus for over XXXX months. Each time, CB/WAYFAIR has allegedly verified the information, yet they have never supplied me with any documentation or proof to substantiate this debt. This failure to validate the debt is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, which mandate that furnishers of information verify its accuracy when challenged.

Key Issues and Inaccuracies : Inconsistent and Contradictory Reporting Across Bureaus : The balance is reported as {$0.00} across all bureaus, yet the account status remains marked as a Charge-off/Collection. This contradiction is misleading and negatively impacts my creditworthiness. 
The high balance is reported inconsistently : XXXX : {$3500.00} XXXX : {$0.00} XXXX : {$3700.00} Unverified Debt : Despite repeated requests for validation, CB/WAYFAIR has failed to provide any evidence that this debt belongs to me or is accurate. This lack of validation suggests the debt can not be legally reported. 
Continued Reporting Despite No Balance Owed : The account is listed as a Charge-off with a {$0.00} balance. If there is no balance owed, there is no justification for maintaining a derogatory status. 

I am extremely frustrated with this ongoing issue. I have exercised my rights under the FCRA by disputing this account multiple times. However, instead of resolving the issue, CB/WAYFAIR continues to verify the information without providing the necessary documentation to substantiate the debt. This prolonged inaction is causing unjust damage to my credit profile, affecting my ability to obtain credit and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
I recently disputed information on all three consumer agencies experian and XXXX continue to furnish improper and fraudulent trades while XXXX has taken the proper steps and as of XX/XX/year> have deleted these accounts and all derogatory information associated with the accounts. I asked the XXXX and Experian follow suit based on FCRA if information is deemed incomplete, improper or fraudulent and XXXX of the consumer agencies has deleted information the other consumer agencies shall do such and block these accounts from any future reporting on my customer 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