vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXXACCOUNT Account Number : XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE OPENED AND LAST PAYMENT Account Name : XXXX Account XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Account Name : XXXX XXXXccount XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu

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 2024-12-25 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : 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 Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: GA

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANKS. 
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 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
Shortly after opening an account online with Charles Schwab I began having issues logging into my online banking. I received an error message which stated that I needed to go in-person to a branch location and present a valid photo ID in order to verify my identity. A few days later I proceeded to appear in-person at a Schwab branch with my valid drivers license, which was noted in my account by the branch representative that I dealt with. My account access was briefly restored that same day but within 24 hours I began having trouble logging into my account again. Since then Ive contacted Schwab Customer Support by phone on numerous occasions and each time have been told that my case is being reviewed by the fraud department however I still havent heard anything despite it now being over a week since I first presented my valid drivers license in-person. Also during this time when speaking with customer support I was assured that even though my online banking access was restricted, that Id still be able to access the funds in my account when I receive and activate my debit card in the mail. I activated my debit card a few days ago fully expecting to be able to use the card to access the funds in my account but I have been unable to do so despite the reassurances given to me to the contrary by Schwab Support Representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: CA

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-12-25 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: CA

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: SC

Complaint narrative:
I've recently checked my report and noticed some inaccurate accounts reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH ANY OF THE AFOREMENTIONED COMPANIES AND THESE REPORTINGS ARE A VIOLATION OF MY RIGHT TO PRIVACY PER THE FCRA. PLEASE DELETE FROM MY CREDIT REPORTING IMMEDIATELY. I KNOW MY RIGHTS AND I AM FULLY PREPARED TO TAKE LEGAL ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I had Lexington law to help me bill my credit up. I had to pay the {$50.00} up front before they did the work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing inaccuracies on my credit reports caused by XXXX XXXX  fraudulent and defamatory reporting of delinquencies on accounts ending in XXXX and XXXX. Between XX/XX/year>, and XX/XX/year>, I sent multiple certified letters requesting debt validation as required under federal law, yet XXXX XXXX failed to respond, instead claiming they were not collecting a debt while continuing to report delinquencies. I spoke with XXXX, Employee ID XXXX XXXXXXXX, who admitted that higher-level executives at XXXX XXXXXXXX explicitly stated they would not address or correct these issues. Despite this, Equifax, XXXX, and XXXX allowed the fraudulent delinquencies to remain on my reports, neglecting their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigations and ensure accurate reporting. Furthermore, these credit reporting agencies unlawfully sold my personal information to third parties without my consent, compounding the harm to my creditworthiness, financial stability, and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing inaccuracies on my credit reports caused by XXXX XXXX fraudulent and defamatory reporting of delinquencies on accounts ending in XXXX and XXXX. Between XX/XX/year>, and XX/XX/year>, I sent multiple certified letters requesting debt validation as required under federal law, yet XXXX XXXX failed to respond, instead claiming they were not collecting a debt while continuing to report delinquencies. I spoke with XXXX, Employee ID # XXXX, who admitted that higher-level executives at Capital XXXX explicitly stated they would not address or correct these issues. Despite this, XXXX, Experian, and XXXX allowed the fraudulent delinquencies to remain on my reports, neglecting their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigations and ensure accurate reporting. Furthermore, these credit reporting agencies unlawfully sold my personal information to third parties without my consent, compounding the harm to my creditworthiness, financial stability, and reputation.

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been attempting to access my report online at Transunion website and it tells me its unable to complete my request online. I should be able to get my report online.

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX  XXXX XXXX # XXXX I do not have an account with XXXX XXXXXXXX XXXX XXXX I was never provided with any contract! This is a violation of the fair credit reporting act please remove immediately or else I will seek XXXX XXXX of {$1000.00} for each violation.

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 2024-12-25 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX # XXXX I do not have an account with XXXX XXXXXXXX XXXX XXXX I was never provided with any contract! This is a violation of the fair credit reporting act please remove immediately or else I will seek XXXX XXXX of {$1000.00} for each violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX  These credit accounts are the results of identity theft and fraud.

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 2024-12-25 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
I provided all of my information to verify my identity. They are telling me that they can't verify who I am? I sent id front and back provided my SS number and took a picture of myself. I have everything needed to prove who I am and it's me. My direct deposit is now in limbo or been stolen for all I know and this is ridiculous. I really hope that I was not taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Paid for credit repair and the process was long also I would have to reach out multiple times due to my credit report not changing despite paying for the repair

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
incorrect information on my credit report Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Employer ( 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 non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have asked repeatedly for loan origination paperwork displaying all debits and credits for accounting. In court now asking for original paperwork..proof of claim. There is also a promblem due to fraud and coercion, requiring me to wave my rights in a document titled WAIVER OF BORROWERS RIGHTS in order to close the loan. Documents violate my constitutional rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTIONS USA, INC.
State: MO

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to XXXX dollars for every violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute the charge-off account from XXXX reported on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account information is as follows : Account Name : XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX I dispute this account because XXXX never sent me a XXXX form, which is required by the IRS to report canceled debt XXXX When I requested a XXXX form from XXXX, they stated that they do not send them out. I believe this is a violation of IRS regulations and the FCRA, which requires that credit bureaus ensure the accuracy and completeness of the information reported. This account was charged off on the following date XXXX XXXX. Since then, the account has repeatedly been updated as a charge-off every month. This is an update on 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 Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I request that you investigate this dispute and remove the charge-off account from my credit file, as it is inaccurate and incomplete.

Please provide me with a corrected copy of my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ). 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief