vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-30 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 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: NH

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

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts consist of student loans opened at XXXX OF XXXX on the following dates under the corresponding account numbers : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), and XX/XX/XXXX ( XXXX and XXXX ). Additionally, there is a fraudulent hard inquiry from XXXX Bank dated XX/XX/XXXX. These fraudulent accounts and inquiries have resulted in several hard inquiries and collections appearing on my consumer XXXX credit report. I demand that these fraudulent items be removed from all my consumer credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} FIN XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
This is my second complaint regarding USAA. My account was closed by them and my remaining funds were on hold for 60 days to ensure accuracy and make sure they were all cleared. I was promised by the security department the hold would be released at the 60 day mark. Not before not after. Now, they are stating they are holding my funds because a different bank has a delay in charging an offset to my account. By law they had 60 days to respond. They have no right to money in my account or a chargeback after that point. I want my money that belongs to me returned. This is theft.

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 2024-12-30 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: FL

Complaint narrative:
ACCOUNTS RECEIVABLE MA Original creditor : XXXX XXXX XXXX  ESTATE Account info Account number XXXX Id theft victim

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 2024-12-30 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am writing in response to your letter dated [ insert date ] regarding my formal dispute of inaccurate credit reporting on my mortgage account [ XXXX ]. While I appreciate your response and the enclosed documentation, it fails to address critical discrepancies and evidence requested in my initial dispute. Complaint # XXXX. 

To reiterate, I am disputing the following reported late payments, which remain inaccurately reflected on my credit reports : XXXX consecutive XXXX late payments for XX/XX/XXXX through XX/XX/XXXX. 
XXXX consecutive XXXX late payments from XX/XX/XXXX through XX/XX/XXXX. 
XXXX XXXX late payment for XX/XX/XXXX. 
XXXX XXXX late payment for XX/XX/XXXX. 
Your response included general explanations and an enclosed payment history ; however, you did not substantiate the claims of delinquency with the specific proof of compliance I requested under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and other relevant consumer protection statutes.

Outstanding Issues and Requests for Further Investigation 1. Proof of Delivery of Billing Statements : While you confirmed that monthly mortgage statements were sent via regular mail, you also acknowledged that regular mail does not provide tracking or delivery confirmation. As such, you have not demonstrated compliance with 15 U.S. Code 1666b, which requires that periodic statements be sent at least 21 days before the payment due date. This failure to provide adequate proof undermines the validity of the reported delinquencies.

2. Accuracy and Verification of Reporting : Your explanation of the timeline for reported payments fails to address why the payments were not accurately reflected once received. Payments made in XX/XX/XXXX and XX/XX/XXXX should have corrected prior delinquencies but were seemingly ignored, perpetuating an inaccurate delinquency status. Please explain the methodology used to reconcile these payments and ensure they are accurately reported to all three credit bureaus. 

3. Detailed Findings of Your Investigation : You provided no substantive details of the investigation conducted or the evidence reviewed. Simply stating compliance with the Credit Reporting Resource Guide does not satisfy your legal obligation under the FCRA to investigate disputes thoroughly.

4. Permissible Purpose Under 15 U.S. Code 1681b : You did not address my request to confirm your permissible purpose for reporting account information to consumer reporting agencies. I am reiterating my request for documentation supporting your legal authority to furnish information about my account during the disputed periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Incomm Holdings Inc.
State: CO

Complaint narrative:
I purchased XXXX branded, XXXX issued XXXX gift cards on XX/XX/XXXX, ( XXXX ) of which of {$500.00} each were locked after purchase. I called on XX/XX/XXXX to get replacements, and was told they were sent XXXX. I called again on XXXX, and was told to expect them within a week. I called again on XX/XX/XXXX, and was told new replacements were issued and sent via XXXX. I called again on XX/XX/XXXX, and was told I needed to do an address verification to receive the cards. I emailed the requested documents on the same day, including a picture of my driver 's license, a utility bill, and the serial numbers of the cards. I was asked for pictures of the gift cards instead on XX/XX/XXXX, which I provided that day. I did not hear back from them, so I followed up on XX/XX/XXXX and XX/XX/XXXX, and also have not heard back. My funds have been held XXXX for over XXXX months since these gift cards are unusable, and it seems like their customer support is either incompetent or lying to me, since I've been assured a replacement is en route multiple times and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my XXXX XXXX. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.

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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Western Union XXXX XXXX # XXXX This complaint is against Western Union and it's uncaring and lackadaisical Customer Service. I've been attempting a money transfer for 2 plus months at this time. I've attempted to use my bank debit card of which I use on a daily basis. It kicks my payment out and gives 2 reasons for denial. ( 1 ) couldn't verify your payment and ( 2 ) contact my bank- card must be enrolled for secure authentication. I contact my bank many times on this same issue. They contact their card provider, and the investigation says each time, that there is no reason the card should be declined -- - it's on the Western Union end. Western Union is the only one that denies my card. Western Union Customer Service is no help. Western Union advertises a great Customer Service, and this is none other than false advertising. Two plus months and still no money transfer. Hand delivery would get the money transfer to it's destination much quicker than Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
In XXXX I purchased a XXXX XXXX and the lender was XXXX XXXX. In XX/XX/XXXX I was contacted by One Main Financial ( XXXXXXXX XXXX  XXXX ) about a loan. One Main Financial was going to pay off the loan I had with XXXX XXXX and an additional sum of money for around {$6700.00}. Together the total was around {$24000.00}. Within the 3 day grace period I canceled the refinance/loan with One Main Financial. I returned the {$6700.00} via money order per their instructions in person and they told me they would stop payment. I was told by One Main Financial they submitted a 'ticket ' to stop the payment. I also reached out to XXXX  XXXX regarding this and told them I did NOT want to refinance with One Main Financial but XXXX XXXX  said they could not stop payment. Neither stopped payment so the loan with XXXX XXXX was paid off on XX/XX/XXXX. Since then I have been trying diligently to get my loan with XXXX XXXX reinstated. Every time I call XXXX XXXX they tell me something different. Usually its the refund will be issued in 5 days or that they need one main financial to contact them. I then reach out to one main financial ( XXXXXXXX XXXX XXXX ) and instruct them that XXXX XXXX needs them to call them but no one is following through and is taking a long time on purpose. I am assuming because of commission. But I do not know what else to do. I canceled within the grace period and one main financial doesn't care about getting this resolved in a timely manner. Every time I call XXXX XXXX  I am on hold for a long time and am told something different. Can you please help me. If one main financial had done what they were supposed to the payment would have been stopped and this wouldn't have happened. I can not provide the information that XXXX XXXX is requesting-that is on one main financial and they are not doing what they're supposed to do. One main financial said they sent documents to XXXX XXXXXXXX but I can not prove if they even sent what was requested. I feel like they are purposely dragging this out so that XXXX XXXX will not reinstate me after the 90 days. I have done most of the leg work for one main financial to help me. I have attached the email I sent them once I finally talked to some at XXXX XXXXXXXX who told me what to do. But I can not prove any of this has been received or sent to begin with. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Seeing inaccurate accounts on my credit report has been an absolute stress, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-30 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information 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