vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made the payment on time as confirmed by the bank statement attached.

A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On or about XXXXXX/XX/year> I woke up to a ton of XXXX charges on my card. There were so many the bank started to stop them on their own. I filed a claim and was given a credit. In the last couple weeks all my claims have been denied and all of the money I was credited was taken back. I called customer service twice on XXXX. The second time I finally got to who I thought could help me but no. He gave me the run around with a side of word salad. I never got the letter that said all my claims were denied and why and they wont tell me on the phone.

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 monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My social security number was released in a security breach. 

I went online and froze my credit reports with both XXXX and XXXX in less than 10 minutes.

When I attempted to freeze my account online with Equifax, Equifax told me that I had incorrectly answered its security questions, which were incredibly obscure. Because I no longer have records of some of the closed accounts that Equifax was asking about, I decided to freeze my credit report by letter.

As a consumer lawyer, I read the instructions very carefully, and submitted ( 1 ) a signed cover letter ; ( 2 ) a copy of my driver 's license and a copy of my W-2. Although both copies were " fresh '' ( i.e., either printed directly from my computer, or the first copy of the document, as opposed to a copy of a copy ), Equifax sent me a letter stating that my document were illegible and that I needed to resubmit my request. The assertion that the documents were illegible is a blatant falsehood.

I don't expect you to resolve this problem for me. But I would ask that you make a record of this complaint because it is clear that Equifax is intentionally making it unnecessarily difficult for consumers to freeze their credit reports, placing consumers at tremendous risk of financial harm solely to maximize Equifax 's profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX I C Systems Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland credit management XXXX XXXX XXXX Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-05 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: ME

Complaint narrative:
15 U.S. Code 1681 c -2 a consumer reporting agency shall block the reporting off any information in my file of a consumer identifies as information that resulted from an alleged identify theft not later than 4 business days after the dates receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPlAINT TO PREVENT FURTHER STALL TACTICS FROM. ****** this is so unlawful ****

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
At the XXXX XXXX XXXXXXXX I got a credit alert someone used my SS # To open a Bank of America credit card. After hours on the phone I finally got the investigation process started. 
The account was closed. 
I added a fraud alert onto my credit file and turned my SS # off in XXXX XXXXXXXX. 
Today I got an email that my Bank of America accounts were successfully opened. 
Thinking it was spam I went to my local branch. 
They confirmed that yes, an account had been open online. In my maiden name. I asked how this was possible with a fraud alert and a SS # that was off. 
They had no answer. I provided them with appropriate identification and told them to deactivate the account. 
They told me they couldn't. 
They said I would have too call their customer service #. 
I explained how long it took last time and asked for someone there to help. 
He said there is nothing they could do.

I would need to set up an appointment..

I asked about any activity that may happen from now until then. He said they would investigate after I opened a claim.

This is not acceptable to me. 
My SS # is locked. This account never should have been approved.

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 2024-10-05 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: AZ

Complaint narrative:
This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off Account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations, you failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights. I am demanding a deletion for the following account. Account name- XXXX XXXX XXXX Account number - 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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I looked at my credit report and noticed some things are incorrect and not accurate. and according the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximize possible accuracy of the information concerning the individual about whom the report relates. These inquires. 

Captial oneXXXXXXXX XXXX Capital one XXXX XXXX Capital one XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: AZ

Complaint narrative:
This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off Account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations, you failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights. I am demanding a deletion for the following account. Account nameXXXX XXXX XXXX XXXX Account number - 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 2024-10-05 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: AZ

Complaint narrative:
This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off Account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations, you failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights. I am demanding a deletion for the following account. Account name- XXXX XXXX XXXX Account number - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: Westlake Services, LLC
State: AL

Complaint narrative:
I noticed unauthorized inquiries on my report or I believe someone applied for something in my name

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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I hope I have categorized this correctly. My Citibank Mastercard was hacked in 2020 and Citibank issued us a new card. I recently received a bill for {$63.00} from XXXX XXXX for a XXXXXXXX XXXX XXXX. These charges were against the hacked credit card that we no longer have. As I investigated this I discovered that for the past 4 years they have been charging against the hacked credit card that we no longer have. No one has used this XXXX account for at least 7 years. Citibank says merchants charging against an expired credit card is allowed if this is a reoccurring charge. I can not believe that Citibank sends me a new card because my card has been hacked and then proceeded to let a merchant charge against the hacked card. I think Citibank owes me $ XXXX {$250.00}. If Citibank says this is legal and ethical we have a serious problem. I am also a little upset with XXXX for allowing this account to be charged for the previous 7 years when there was no activity on the account. I have cancelled the XXXX account and based on XXXX response I will also be discontinuing my Citibank XXXX. I do not consider them to be ethical after my discussion with them. Is there anything you can do to help. My wife and I are older and this is not only frustrating but to me unethical.

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 monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my XXXX, XXXX and TransUnion credit report and I noticed some late payments posted on my credit report XXXX XXXX account # XXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 usc sub section 1681.

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 2024-10-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my XXXX, Equifax and XXXX credit report and I noticed some late payments posted on my credit report XXXX XXXX account # XXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 usc sub section 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: AZ

Complaint narrative:
( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of complaint : This XXXX complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a charge card account opened with XXXX  on XX/XX/XXXX Account number XXXX, charge card account opened with XXXX XXXX XXXXXX/XX/XXXX Account number XXXX, charge card account opened with XXXX on XX/XX/XXXX Account number XXXX and multiple other accounts ( see attached list of accounts on the FTC Report XXXX. These accounts have resulted in several fraudulent hard inquires and collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: Entrata Inc.
State: PA

Complaint narrative:
Yesterday, XX/XX/year>, I received a notification from the XXXX XXXX about a hard inquiry from a company called ENTRATA INC that obtained a copy of my credit history, that company works with XXXX XXXX, it is dedicated to leasing apartments, I added a person to my contract and they obtained a copy of my credit history without me providing SOCIAL SECURITY and without my authorization. Once again I have never provided my social security number to XXXX XXXX ENTRATA INC XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 2024-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan Motor Acceptance Corp shows on my credit report for {$10000.00} but the truck was repossessed and resold for more then was due on the truck. It was in XXXX  when the truck was repossessed.

Company response to consumer: Closed with explanation