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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

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 2024-12-11 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: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-12-11 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-11 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX

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: AL

Complaint narrative:
I looked at my credit report and noticed somethings are incomplete and not accurate and according to the fair reporting act whenever consumer reporting agency prepares a consumer reporting it shall follow reasonable procedures to assure maxima possible accuracy of the information concerning the individual about whom the report relates this account XXXX XXXX account number XXXX is not accurate XXXX XXXX XXXX account number XXXX account not accurate. XXXX XXXX Account number XXXX is not accurate.XXXX XXXX XXXX XXXX XXXX XXXXXXXX not accurateXXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX not accurate.T-Mobile amsher collection Account number XXXX not accurate, inquiry credit XXXX bank XXXX Inquiry capital XXXX in a XXXX 2024 Inquiry informative XXXX 2024 inquiry not accurate reporting identity theft report has been sent to XXXX Trans Union 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 2024-12-11 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: NJ

Complaint narrative:
My report is showing accounts that belong to someone else, which is unfairly impacting my credit score. I am frustrated after filing complaints with no response or resolution

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 card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
The company forced me to close my credit line otherwise I had to pay {$81.00} to keep the account open. This negatively impacted my credit. The only way to keep my credit line open was to pay an {$81.00} fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
My report is showing accounts that belong to someone else, which is unfairly impacting my credit score. I am frustrated after filing complaints with no response or resolution

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MA

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), AND According to the Electronic Communications and Transactions Act ( ECTA ) 25 of 2002, Chapter VII, Section 42, consumers have the right to accurate and reliable systems when transacting online. The failure of your system to INCORRECTLY ADD INFORMATION THAT IS NOT ACCURATE has caused ME grief and uneceesary stress.

According to the Consumer Protection Act 68 of 2008, Section 54, consumers are entitled to receive services of a high quality. You receiving my information and not placing it correctly in your system you have violated my rights as aconsumer Verification of Legal Standing : Proof of Accurate Reporting : Under FCRA, 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report to credit reporting agencies is accurate and complete. Provide a detailed explanation of how you verified this debt before reporting it, including a record of any communications with the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: PA

Complaint narrative:
I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( s ) :XXXX Details of Fraudulent Activity : credit card accounts for a total of {$2900.00} Company Involved : XXXX Actions Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ]. 
Impact : This has negatively affected my credit score and caused significant stress and inconvenience.

I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity 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 non-monetary relief
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: PA

Complaint narrative:
I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( s ) :XXXX Details of Fraudulent Activity : credit card accounts for a total of {$2900.00} Company Involved : XXXX Actions Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ].

Impact : This has negatively affected my credit score and caused significant stress and inconvenience. 
I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity theft.

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: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
* Name : XXXX XXXX XXXX * Date of XXXX * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX * Account Number ( Last 4 digits ) : XXXX * Credit Card Company Name : First latitude * Date of Fraudulent Activity : XX/XX/year> * Date of Investigation Completion/Account Credit : XX/XX/year> * Late Payment Reported : XX/XX/year> I immediately reported the theft of my card and worked closely with my credit card company to resolve the issue. The company completed a thorough investigation under the provisions of the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ), which protects consumers from liability for unauthorized charges on stolen or lost cards. They confirmed the fraudulent charges and credited my account for the full amount. However, despite the resolution of this fraudulent activity, they have refused to remove the late payment notation from my credit report.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) : Under the FCRA, credit reporting agencies must ensure that the information they report is accurate. If an account is reported as late due to fraudulent activity, that information is inaccurate and should be corrected or removed.

2. Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) : The FCBA specifically addresses unauthorized charges on credit card accounts, stating that a consumer should not be held responsible for fraudulent charges once the card has been reported as stolen or lost. The law requires that credit card issuers promptly resolve fraud claims and ensure no negative information is reported as a result of such fraudulent charges.

In this case, the 30-day late payment reported on my credit report is inaccurate because it directly resulted from unauthorized charges made with a stolen cardcharges that my credit card company has already credited back to my account following an investigation. Since this late payment was not due to my negligence or oversight, but rather the result of fraud, it should be corrected under both the FCBA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
RE : XXXX XXXX ( since married XXXX XXXX ) Entered into agreement in XXXX to settled account for {$1600.00}. First payment would begin XX/XX/XXXX and end XX/XX/XXXX. XXXX incorrectly advised XX/XX/XXXX ; but, my math came out to be XX/XX/XXXX. When I did not see XXXX updated to reflect this account settled, I disputed XX/XX/XXXX and XX/XX/XXXX. Both times the results were that the account was reported correctly. However, the XXXX report resulted in XXXX contacting me. I reiterated at that time the arrangement. They were able to confirm it was in fact settled and they were in error to advise XXXX it was outstanding. XXXX from Escalations assured me she would file XXXX complaints- XXXX for incorrectly advising XXXX and the second for not updating my credit in a timely manner. When I call back today, I can not get XXXX, but I get XXXX. I am then told they need XXXX MORE hours to re-investigate. However, they re-summarized the whole thing already to me. What additional time is needed?!

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My account was closed. The company did not provide any informarion

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We purchased a home in XXXX, Maryland with a Wells Fargo loan. After XXXX lost his job we put the house up for sale and relocated to XXXX, WA. The house did not sell and Wells Fargo refused to modify the loan by stopping the fax transmission of the necessary documents repeatedly. We made 9 mortgage payments after moving, but were no longer to able to make payments, and since Wells Fargo refused to modify the loan, they took the house through foreclosure in 2008.

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 2024-12-12 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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