vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: NH

Complaint narrative:
On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
Experian has failed to uphold my consumer rights and complaince standards in the reportuing of erroneous information on my consumer report.

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 2024-11-06 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: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized collection being reported on my credit report by Experian. I have previously requested that the debt collector reporting this account cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease-and-desist request. Despite this, this debt collector is still reporting the account to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
In XX/XX/year> Ally Bank revoked access to all of my accounts. This was after I had verified my account information. I had been chatting with a customer service rep and that person did not inform me of a problem. I was told I could withdraw {$5000.00} daily and I went to the bank to do so but was denied being able to withdraw. I then paid for a wire transfer because I had no way of accessing my funds from Ally. Today, XX/XX/year>, I tried to transfer my remaining funds from savings to checking but I am not allowed to do so. I do not appear to have any way to access my money from Ally Bank, an online only bank. Previously I had tried to close my retirement account but I am now unable to do so.

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 2024-11-06 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: MD

Complaint narrative:
I looked at my Credit Report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer report agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. This account, XXXX XXXX Account number XXXX, is not complete and accurate. 

XXXX XXXX Account number XXXX The following is not accurate and reports differently on each of my credit reports from the 3 Bureaus : High balance Date of last activity Date Reported Closed date Account rating Creditor type Payment status Creditor remark Last payment Payment history

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
The reason that I contacted your company is because I heard that you have a three week turn around in improving credit scores. 
I contacted my creditors to request that my interest rate be dropped with no avail. I have been struggling since COVID and still trying to bounce back. I have a XXXX  lien on my home for {$40000.00} due to COVID while I was trying to do a refinance with PHH MORTGAGE but they drug me around month after month and then transferred me to XXXX XXXX. My husband has XXXX times XXXX  years and I am now retired and trying to pull my credit score up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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.
State: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the reporting of an account by XXXX XXXX XXXX ( account number : XXXX ) on my credit report.Transunion has indicated that this account is scheduled for removal by XX/XX/XXXX, while XXXX shows a removal date of XX/XX/XXXX. This discrepancy suggests that XXXX XXXX XXXX XXXX be inaccurately extending the reporting timeline, which is inconsistent with Fair Credit Reporting Act ( FCRA ) guidelines. 

According to the information on file : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer Status : Collection account, with {$800.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX XXXX XXXX XXXX has a known history of updating the date of last activity on accounts in collections, which artificially prolongs the account 's impact on consumers credit. The FCRA allows for negative items to be reported for up to 7 years from the date of first delinquency, which in this case should end in early XXXX at the latest. However, with TransUnion and XXXX reporting inconsistent removal dates, it appears XXXX XXXX XXXX be inaccurately updating account activity to manipulate the reporting timeline. 

I respectfully request that TransUnion, XXXX, and the other credit bureaus conduct a thorough investigation into this matter and enforce the accurate removal date. XXXX XXXX XXXX should be held to account for reporting practices that comply with the FCRA, ensuring my report reflects the correct removal timeframe.Overview Account Number XXXX INDIVIDUAL Months Reviewed Activity Designator Balance and Amounts Balance Available Credit Account Dates Date Opened Date of Last Activity Comments and Contact XXXX XXXX XXXX XXXX For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Dates Date Opened Date of Last Activity Comments and Contact XXXX XXXX XXXX XXXX For questions regarding this account please contact : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. 

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 2024-11-06 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

{ 1. US DIST CT Account Number : XXXX } { 2. US BKPT CT CA XXXX XXXX Account Number : XXXX } { 3. U.S. BANKRUPTCY XXXX  Account Number : XXXX } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2024-11-06 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: NC

Complaint narrative:
I am a victim of identity theft and these negative accounts and inquires need to be 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 2024-11-06 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: NC

Complaint narrative:
I am a victim of identity theft and these negative accounts and inquires need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I am a victim of identity theft and these negative accounts and inquires need to be removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely frustrated with Experian 's handling of my disputes. I have been disputing these accounts for 283 days. Despite multiple attempts to resolve these issues, I have not received any investigation results or updates on the following accounts, and they have not been corrected : XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please UPDATE to NEVER LATE. 

XXXX ( Account # XXXX ) - This account is unverified. This debt has not been verified within the legal timeframe. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) This account is unverified. This debt has not been verified within the legal timeframe. Please DELETE this account. 

XXXX XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe, and collections should not show a past due amount. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) - This account is unverified. This debt has not been verified within the legal timeframe. Please DELETE this account. 

XXXX XXXX XXXX This is not my address. Please delete it from my report. XXXX XXXX This name is misspelled and not mine. Please delete it. XXXX XXXX This is not my legal name. Please delete it. 

XXXX XXXX - This is not my legal name. My legal name is on my photo ID which has already been provided. Please DELETE.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
After reviewing my Early warnings report I noticed negative reports from several different banks that I'm not familiar with. I sent a dispute to EWS and I have not received any validation of debt, in response they sent a letter indicating that the account was accurate complete and verified. However, I have not received any documentation to verify and validate and or negitave accounts belong to me. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX According to the FCRA Rights to dispute inaccuracies Section 611 : consumer have the right to dispute any inaccurate or incomplete information on their consumer reports. Reporting agencies must investigate disputes, usually within 30 days. 
Notification of dispute results section 611 ( a ) ( 6 ) Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 


EWS violated my consumer rights according to the laws listed above by not providing written response detailing the results of the investigation, and proving documents used to validate the debt. Please find attached all disputes sent to EWS and their response and proof that XXXX and the other 2 banks listed. 

Also, XXXX is still reporting a debt to EWS that was sold to XXXX. XXXX has confirmed in writing that I no longer owe this debt as of XX/XX/XXXX due to legal reasons, and they have provided documentation stating that the debt is fully resolved and no longer outstanding. Under the Fair Credit Reporting Act ( FCRA ), information reported to consumer reporting agencies must be accurate, and since XXXX has confirmed the debt is no longer owed, XXXX continued reporting of this debt is inaccurate and misleading. I have attached the documentation from XXXX verifying the debt is cleared and respectfully request that you investigate this matter and have the erroneous reporting removed from EWS to reflect the current, accurate status of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am seeking your help with the account that is incorrectly listed on my credit report. This is damaging my reputation as a customer, and I need your assistance. I would like these accounts removed, as they have been reported inaccurately and in a harmful manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I used Venmo to pay a seller for a couch, but I never received the item. I then reached out to Venmos customer support to report the issue, explaining that the seller had failed to fulfill the transaction. Venmo reviewed my report and later confirmed that the seller did not fulfill the transaction. However, Venmo informed me that I still owe the balance because I did not select purchase protection at the time of payment. I was not aware that purchase protection needed to be manually selected, nor was this information prominently displayed during the transaction. Despite Venmos acknowledgment that the seller did not uphold their side, they are continuing to hold me responsible for the payment. Venmos only response has been to repeatedly insist that, due to the absence of purchase protection, they are unable to cancel the balance owed. I am requesting the CFPBs help to resolve this, as I feel it is unfair for Venmo to expect payment for an unfulfilled transaction, especially after confirming the sellers non-performance.

Company response to consumer: Closed with monetary relief