vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: 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.

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 XXXX 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 2024-08-10 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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 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 XXXX 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
I had fraud on a XXXX XXXX credit card and i reported the fraud in the begging of the year, XXXX XXXX canceled my credit card accepted the fraud claim and i destroyed the new card that was sent to me in the mail. 

The account has had no new activity but somehow they ( XXXX XXXX ) decided to put back some of the fraudulent charges back on my credit card and so the automatic payment didnt go through because the account has been dormant for so long, i dont have access to the connected bank account that was on the automatic payment so in short the payment was rejected and considered late as soon as i found out about this i corrected it and informed XXXX XXXX and they credited back the late fees but now i have a late reported payment on my credit reports with all three agencies please remove this late payment as it was never late it was fraudulent activity and still it was never late anyways.

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 2024-08-10 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: CA

Complaint narrative:
I had fraud on a XXXX XXXX credit card and i reported the fraud in the begging of the year, XXXX XXXX canceled my credit card accepted the fraud claim and i destroyed the new card that was sent to me in the mail. 

The account has had no new activity but somehow they ( XXXX XXXX ) decided to put back some of the fraudulent charges back on my credit card and so the automatic payment didnt go through because the account has been dormant for so long, i dont have access to the connected bank account that was on the automatic payment so in short the payment was rejected and considered late as soon as i found out about this i corrected it and informed XXXX XXXX and they credited back the late fees but now i have a late reported payment on my credit reports with all three agencies please remove this late payment as it was never late it was fraudulent activity and still it was never late anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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:
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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2024-08-10 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: KY

Complaint narrative:
XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following account_- Account NameXXXX- Account Number_ XXXX Original Creditor_ XXXX- Date of Alleged Late Payment_ XXXX XXXXThis account was closed and paid in full on [ Date ]. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter.Sincerely,

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 2024-08-10 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I made an online purchase with XXXX. For the form of payment I chose to use my XXXX XXXX store credit card ( Managed by TD Bank ). The order number generated by XXXX was XXXX. 

Later that same day I cancelled the order since I no longer wanted the item previously purchased. I received a confirmation email from XXXX that the cancellation had been successfully processed. 

Double checking my credit card transaction history, I noticed that XXXX different charges related with the cancelled order XXXX had been made to my credit card and had not been reversed. 

I proceeded to call TD Bank to see why this was happening and they told the I had to contact XXXX. I called XXXX and they told me that the had already refunded the money and that I should wait a few more days for it to be reflected. I asked them if they could reach out to TD Bank and let them know, but the said they couldn't do that and that I would have to call them myself. 

I waited a few more days and the charges had not been reversed/refunded. I called XXXX more time to TD Bank and asked to speak to a supervisor. I was kept waiting but never actually transferred to any supervisor. Instead the agent told me that she had spoken with a supervisor and that they would investigate this. I asked for a case number or reference that I could follow up but she told me there was no case number and that I had to wait for them to investigate and that I should receive a letter in my mailbox. I have not received it yet. 

I called XXXX one more time to see what was going on and I asked to speak to a supervisor. Once transferred to XXXX, I was told that they had already made the refund. I was sent an email with the alleged refunds. 

To this day the refunds have not been posted and the latest credit card statement has been generated and have balance of {$1400.00} for an order I had already cancelled on XX/XX/XXXX. 

I have also reached XXXX by chat and didn't get a successful solution to this issue. Basically I have been going back and forth between XXXX and TD Bank and nobody has been able to fix this issue. I will not be paying for this balance nor any interest associated with it since I have already cancelled this purchase on XX/XX/XXXX. 

I am attaching call logs with XXXX and TD Bank, emails, chats, screenshots, credit card statement. I don't know what else I can do for them to fix this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2024-08-10 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: IL

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 2024-08-10 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This is not my loan or anything that I have applied for my identity was stolen

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 2024-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I reached out on XX/XX/XXXX regarding some transactions that werent mine and my account is fully verified as my employer direct deposits to this account. I received my Deposit on XX/XX/XXXX and Robinhood closed my account and I have no access to pay! I have kids and bills and Im fine with them closing the account because they dont want to pay for the items I disputed but I was told Id only get my money back from my employer if eligible and that it would be 15 days! I can log in my money is there I just want to transfer it and be done. I will seek legal action if not!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
Date : XX/XX/2024 Amounts : {$6500.00} Claim declined by the bank ( Wells Fargo ) Hi, CFPB : I am writing to formally express my dissatisfaction with the recent decision to decline my claim, referenced under number XXXX, which I submitted on XXXX XXXX XXXX 

I have made the phone call every day since i know the result, every time i have to wait for one hour or even more to taoke to the agent, but they kept saying the same thing : '' the decision was final can't change. ", and they refused to say why the claim was declined. 

I checked the trasacion date, they are both on the afternoon of XX/XX/2024, at that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and i am busy, it is not possible for me to make any purchase, and the website is not a well known website. When such a large amount occurs in the card, Wells fargo should immediately send me a text or an email, but i never got them. You can call my restaurant manager to see if i was there on XXXX XXXX. 

XXXX phone number : XXXX Given this information, I respectfully request a re-evaluation of my claim. I would appreciate it if you could review the additional documentation provided and reconsider the decision made. If necessary, I am willing to discuss this matter further and provide any additional information required to facilitate a fair resolution. 

Please confirm receipt of this letter and the accompanying documents. I look forward to your prompt response and resolution of this matter. Should you require any further details or wish to discuss this in more depth, feel free to contact me at my email address i registered. 

Sincerely

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 2024-08-10 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-10 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: KY

Complaint narrative:
XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following account_- Account NameXXXX- Account Number_ XXXX Original Creditor_ XXXX  Date of Alleged Late XXXX XXXX XXXXThis account was closed and paid in full on [ Date ]. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter.Sincerely,

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