vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint against TransUnion for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

5. Desired Resolution : I request that TransUnion immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to TransUnion, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 
Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I discovered this account on my Credit report shortly after my mother passed. It seems a family member had use my information to obtain this card I am not or have ever been a customer at XXXX. There was a period of time. I did live with my partner and a family member was temporary using my old bedroom. My information has abused as well as the information of my children. I am single mother trying to do my best. Ive maintained a great payment history for all my existing accounts on my credit report. This is the only account that shows as delinquent, which I was not aware of. Nor was I the owner of. I not was made aware of these false accusations against me. This needs to be removed and the false information against me be erased. If I need to take legal action, I will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 explanation
Consumer complaint received 2024-12-28 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: 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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I had a payment come in from {$120.00} I transferred the funds from my savings account to cover the negative balance before the cut off time to cover the XXXX payment, now Im being told that other transactions came through that did not cover the amount, I find this to be suspicious I am always checking my account online. Please investigate this issue. They have done this me once before and have admitted that it was an error on their end..

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 2024-12-28 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: Self Financial Inc.
State: CA

Complaint narrative:
In XXXX of 2021 i was attending and event for a friends birthday and on the way out my purse with all my personal information and jewelry was snatched by someone inquiries have been appearing on my credit reports since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inclusion of my information on your credit report and to assert that I have not provided written consent for any entity to access or furnish my personal and credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ), my permission must be obtained before any third party can access my credit file.

I do not recall giving written consent for any company to obtain or furnish my information, nor have I signed any documentation authorizing such access. According to the FCRA, all credit reporting agencies are required to only provide consumer information when proper authorization is given, and I have not provided such consent.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I have contacted Credit Karma 11 times recently regarding this issue. When I sign into my account with password, it goes to a two step verification to send a code to my phone. The phone listing they show is an old land line number not in service. I've attempted to change to my mobile phone number and receive a message my mobile number is assigned to another account. I have two case numbers they gave to me. Case # XXXX and case # XXXX. They had requested for me to send them front and back copies of my drivers license and copy of a utility bill which I did twice. One concern, is they now have my identification with no further communication from them, and nothing has been corrected, the concern is has someone from Credit Karma stolen my identity. This problem just started occurring recently. Before this problem started, I had no problem logging onto my account and I have had my mobile phone number for several years. Somehow they changed it to an old landline recently. I would like for them to correct my phone number so I can monitor my account to prevent I.D . theft. I have spent hours on their website trying to make contact with them, impossible to do. They make it very difficult for someone to file a complaint or contact them. Thank you for any assistance you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
I have received harassing phone calls from Source Receivables Mng, a debt collection agency on behalf of XXXX. I requested documents with my original signature of such debt owed, a contact with my original signature from Source Receivables Mng, and they have yet to produce the documents. Instead Source Receivables Mng have reported to the credit bureaus with false information without my permission nor consent and that is illegal, according to FCRA section 605b, it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX MRS BPO LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Request for Updated Letter Confirming Account is No Longer a Collection Account and Settled/Resolved Dear MRS BPO LLC , I am writing regarding the account referenced in your letter dated XX/XX/XXXX, related to XXXX XXXX XXXX ( Client Account ending in XXXX ; MRS Account Number XXXX ). While your letter confirms that this account is marked as " Resolved, '' it does not explicitly state that the account is no longer subject to collection. 

For my financial records and peace of mind, I request an updated letter confirming that this account is fully resolved, settled, and no longer in collection. This clarification is critical to ensure my credit and financial standing accurately reflect the status of this account. 

Please provide this updated letter at your earliest convenience. You may send it to the email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
I am writing to file a formal complaint regarding a dispute I initiated with Equifax, which I submitted XXXX  days ago. As of the date of this letter, I have not received any response or resolution to my dispute. 

I sent my disputes via priority mail on XX/XX/year>. I received a letter from Equifax dated XX/XX/XXXX which was their usual stall tactic ( there is another CFPB dispute in progress regarding this ) stating that they could not read my documents although they were clear and legible as usual. XXXX tracking indicates that the package was received by Equifax on XX/XX/XXXX at XXXX am. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit reporting agencies like Equifax are required to investigate any disputes within XXXX  days of receipt. This failure to respond to my dispute within the prescribed time frame is a direct violation of the FCRA, which mandates that credit reporting agencies must perform a reasonable investigation and report back to the consumer promptly. 

The items I disputed have not been verified, nor have they been removed or corrected. I am requesting your assistance in ensuring that Equifax adheres to the law and either provides the proper verification or deletes the disputed items from my credit report. If Equifax is unable to provide sufficient verification of these items, I expect them to be immediately removed, as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
XXXX XXXX XXXX, I am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. Please delete the following items from my credit report immediately XXXX XXXX Date opened XX/XX/year> XXXX {$10000.00} Status Voluntarily surrendered. {$10000.00} past due as of XX/XX/year>. 
These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. Thank you for your immediate attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MA

Complaint narrative:
I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( 30 ) days to submit a dispute to " XXXX XXXX '' and " XXXX XXXXXXXX XXXX  '' XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( CFBP ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my U.S passport, Social Security and State ID card to help in disputing this debt. Im also submitting a copy of a brand new Consumer Protection Bureau report filed today XXXX XXXX for this debt and new creditor in the name of XXXX XXXX XXXX This debt was also previously deleted off my credit report and should not have been added back on again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Please see previous complaint-XXXX. 

I just received my mortgage statement and, despite B of A stating that the charge in question has been a clerical error, and they never actually collected the fee from me, the charge remains in place and, the math adds up to an additional {$4.00} on my mortgage payment.

This proves that B of A has taken no responsibility and I would like the original complaint re-opened and B of A held accountable.

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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX  ] Date of First Delinquency : [ XXXX  ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable

Company response to consumer: Closed with explanation