vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Experian - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against Experian for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Experian has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Experian has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account. 

I have previously disputed this account with Experian on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Experian has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Experian conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX I trust that the CFPB will take swift action to address this issue and hold Experian accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Experian - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against Experian for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Experian has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Experian has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account.

I have previously disputed this account with Experian on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Experian has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA.

I am requesting that the CFPB intervene in this matter and ensure that Experian conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Experian accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, 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 2024-08-21 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:
I am a victim of human trafficking of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-21 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: NY

Complaint narrative:
I am writing to bring to your attention an issue I recently discovered on my credit report that I believe requires correction. Upon reviewing my report, I noticed that an account is showing two late payments that I believe were reported in error.

Maintaining a strong and accurate credit history is extremely important to me, as I understand the significant role it plays in financial health and future opportunities. I take great care to ensure that all my financial obligations are met on time, and I was quite surprised to see these late payments reflected on my account. 

I have attached a copy of my report highlighting the specific entries in question, with the dates of the alleged late payments noted ( XX/XX/year> payment XXXX XXXX ; XX/XX/year> payment {$68.00} ). I would like to respectfully request that you investigate this matter further. Based on my records, these payments were made on time, and I kindly ask that you update my account to reflect this. 

I sincerely appreciate your understanding and the prompt action I trust you will take to correct this issue. It is my hope that this matter can be resolved swiftly, ensuring that my credit report accurately reflects my financial responsibility. 

Thank you very much for your attention to this important matter. Please feel free to reach out if any additional information is required to facilitate the investigation.

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 2024-08-21 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 never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I disputed information contained in my consumer report compiled and published by Equifax. 
XXXX XXXX, XXXX XXXX XXXX XXXX MA, XXXX, ( XXXX ) XXXX. Equifax did an automated inquiry as noted in my free annual credit report file. The credit bureau willfully failed to conduct a reasonable investigation, instead 2 days later you reported you have confirmed that the debt exists. Assumption is not a valid reason under the FCRA to not investigate my dispute, they have no reasonable determination that my dispute was frivolous or irrelevant nor have they sent any information to validate the completeness or accuracy of the information contained in my consumer file. As per the FCRA the unwillingness to investigate is an intentional and negligent FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am filing a complaint regarding the management of how transactions are posted on the Wells Fargo App for the checking account. This has caused the correct balance to not reflect on the available balance for the app. 

My last transaction was on XXXX for {$7.00} and on Monday, XX/XX/year>2024 I had the balance of {$150.00}, for which I have a screen shot for that and on that same day I noticed XXXX unauthorized transactions for the following : 1. XXXX for {$16.00} 2. XXXX for {$16.00} I disputed these charges right away and I was issued a credit which brought the account available balance to reflect {$140.00}, meaning I was missing {$2.00} when the original balance was {$150.00} and not {$140.00}. Keep in mind I had no other transactions to fall through and my card was cancelled the same day I disputed. 

Now today, XX/XX/year>2024 I show the funds were deducted again for those XXXX unauthorized charges, after I had shown the day before a credit for these XXXX transactions was issued. This clearly shows, the funds were taken back and not credited. I called Wells Fargo early in the morning as soon I saw this and they explained transaction do not get orderly posted, meaning this is messing with the numbers by not reflecting the actual correct available balance that needs to reflect. 

I have tried to attach the screenshots I have showing my claim, but I was not able to. I can email them if needed. Thank you.

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 2024-08-21 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: IL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Equifax - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Equifax has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Equifax has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account.

I have previously disputed this account with Equifax on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Equifax has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Equifax conducts a thorough and accurate investigation into the reporting of this account. Given XXXX continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Equifax accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from 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 2024-08-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This reporting account is fraudulent, the consumer name they are reporting is NOT ME and NOT XXXX XXXX. Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 Sec. 602 ( A ) states I have the right to privacy. 15 U.S.C 1681 Sec. 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Account name : XXXX # XXXX negatively reporting on my consumer file violates my consumer rights. I looked at my XXXX credit report on XX/XX/year> and noticed some incomplete, inaccurate, and negative reportings. According to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 ( 5 ), they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. ( A ) In general, lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 ( s ) ( 2 ) they are not legally permitted to 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. According to 15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing these items of information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

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 2024-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : **Formal Dispute of Inaccurate Credit Reporting** Account : **Bank of America** Account XXXX XXXX XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of information being reported on my credit report related to the above-referenced account. The information provided by Bank of America on my credit report contains several inaccuracies, which I have attached I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of the incorrect information from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report only accurate and complete information. The discrepancies listed in the attached documents violate the FCRA by providing inconsistent, inaccurate, and misleading information. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of any item of information contained in my credit file, and the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is accurate.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 ) ( a ) 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. 

Delete the accounts below : TRANSUNION XXXX XXXX XXXX XXXX date opened:XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX  XXXX date 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