vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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 writing to inform you that I am a victim of a data breach and have identified fraudulent accounts and inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file : Fraudulent Accounts 1. XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$0.00} 2. XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries 1. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 2024-12-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX  | XX/XX/XXXX US DEPT ED : Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Disputed Amount {$530.00} Dispute ReceivedXXXX XXXX XXXX Ref. XXXX Amex has refused to process this dispute and to adjust my balance due as required by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This debt has previously been attempted to be collected. I have filed two complaints with CFPB regarding their credit reporting tactics. This has popped up on my credit as a collection when it has been communicated to me that it would not be. This needs to be removed due to the misleading and dishonest collection tactics. Attached are copies of the previous complaints for the same exact reason, which was remedied in my favor. Please remove the collections from all credit bureaus and cease further reporting in the future! 

This should not have been reported to the bureaus and needs to be removed IMMEDIATELY just as the previous collector determined was the appropriate thing to do. XXXX  is in violation of XXXX. XXXX. Code 1788.14 andSection 605 ( a ) ( a ) of the federal Fair Credit Reporting Act ( 15U.S.C. Sec. 1681c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have contacted this company by phone on at least 4 separate occasions, unfortunately, never writing down dates. I was told that at 1st that the debt was too old & had been charged off ; that I could no longer pay this off. That it would stay on my credit for 7 years ; there was nothing I could do about it, & that I would get a 1099. On the 2nd phone call, XXXX finally said he would put a request in for it to be forgiven. On the 3rd phone call, I was told by XXXX that it had been forgiven on XX/XX/year> & had been reported to all the credit bureaus. That it would take 15 days to show. Even though it was past that time. I told her that it was still showing that I owed {$690.00} ( the total balance ). She said yes, because that was what was on the 1099. I said that I had paid all my other creditors for less than the amount owed & it shows that I owe a XXXX balance. She says everyone reports differently. On the 4th call, I talked to XXXX. I told her that there is a remark removed that said " variable/adjustable rate '' & that it dropped my credit on XXXX by XXXX points. She argued for quite awhile that it was not them. I told her that it would be illegal for XXXX to change the report. Finally, she said it was because they had forgiven the loan. I said they are hurting me, not helping me. I have told them each & every phone call that the only reason that I have not been able to pay them is because my husband was XXXX XXXX XXXX XXXX XXXX XXXX. All we could afford was medical bills. He XXXX XXXX XXXX XXXX of this year & my housing is really bad. XXXX XXXX was supposed to pull my credit on XXXX XXXX. to try & help me. I am going to have to postpone this now. This creditor is the last one I have left to work with. Have been dealing with them for 3 months. Have never received a 1099 either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
RE : Refusal To Accept My Dispute of Inaccurate Credit Report Information I am formally writing to address Experian 's refusal to accept my dispute regarding the inaccuracies of my credit report. I sent them a formal written dispute on XX/XX/year>. Experian responding with an email stating they were going to disregard my dispute because they did not know if this dispute was from me. I don't understand how they can respond with such a preposterous email when along with my dispute I sent ; my legal identification to prove my identity as well as a utility bill to verify my recent place of residency. 

I am entitled to certain right under the Fair Credit Reporting Act, and I expect Experian to fully comply with these legal obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Please find the relevant documents attached for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was emailed a job offer that I thought was from XXXX. I was emailed an official signing form and was told that I have to email clients asking for their contact information. I proceeded to email the clients I was told to email and asked for their contact information. I never received a response from the clients because I believe the email they told me to email was fake. I was then mailed fraudulent paychecks. I honestly did not realize it was a scam and thought it was a legitimate online job/gig the entire time because I legitimately spent considerable time writing polite emails requesting clients to do business with the company I thought was legitimate. I tried depositing the paycheck they mailed to me but it immediately flagged my Bank of America account and put me on the early warning system. My Bank of America account was then closed and I am unable to open any bank accounts at any branch anymore. I am in desperate need of a student loan and mortgage but I can not even open an account. I have been on the early warning system for 6 months now and I am still unable to open an account. I had a XXXX credit score, 9 year account that I am unable to reopen. The fraudulent check decreased my consumer score report significantly.I believe the email scammers found my email address from my portfolio yusufmzaidi.com or through social media due to me mistakenly putting my contact information public. I am urgently seeking to be put off the early warning system so I can deposit paystub checks from my employer XXXX XXXX XXXX ( which is a legitimate company I work for ). I unable to deposit my paystub currently and I am a starving college student at the XXXX XXXX XXXX My Bank of America and XXXX XXXX accounts were closed due to this and I am unable to open a bank account with any physical branch. This is a very serious issue for me and I am finding it extremely difficult to survive without a legitimate bank account when applying for mortgages and student loans. I am only able to use XXXX, XXXX XXXX, and XXXX XXXX currently but I am unable to deposit any checks whatsoever. Please contact me XXXX XXXX as soon as possible because I am trying to resolve this matter as soon as possible. I have been on the EWS for nearly 6 months now. -Yusuf XXXX the fraudulent email is XXXX I have PDF of the entire email scam conversation and photos of the fraudulent paychecks. I also have one the of the physical pay checks. I filed a report with the XXXX XXXX  Department. I contacted Bank of America but they told me to contact XXXX XXXX which has still not responded to my dispute after 6 months of trying to reach them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I had to hire a credit repair company to work with numerous creditors due to identity theft issue. These creditors were unable to provide valid information and now these accounts have gone to third parties for debt collection. Again I requested validation and have been unable to obtain debt validation. I then decided to reach out to all three credit reporting agencies to inform them of the issue along with supporting documentation. Unfortunately, All I get from the credit reporting agencies are emails stating that the incorrect information would continue to stay on my credit report. I ask that my credit report be corrected. All information has been submitted to them numerous times for each of these accounts. I am at a loss as to what additional information I should submit in order to correct the issue. I am asking for help from the CFPB to correct my information. I have a attached one of the many letters I have sent to Experian as well as XXXX and XXXX as a sample of the type of information I have requested from several of these creditors. As additional information I have included my CORRECT AND COMPLETE NAME and REPORT NUMBER : XXXX XXXX ; Report # : 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted an affidavit as well as an ftc report to Transunion on XX/XX/XXXX and they have yet to do anything to fix the issue instead of them completing a proper reinvestigation they sent me back a letter that was issued XXXX XXXX stating that they are not required to reinvestigate the items. 

Accounts : XXXX. XXXX XXXX XXXX : XXXX Closed/ Charged off with a balance of {$6000.00} under FDCPA once an account is closed and charged off further attempts to collect payment are not permissible unless that account is reopened or otherwise restructured. this account is inaccurately being reported as being collectible. Additionally, the dates and balances being reported are inconsistent with the information provided by other credit bureaus. As per 15 U.S.C. 1681e ( b ) Transunion has an obligation to ensure that the information being reported is accurate and complete XXXX. XXXX XXXX Closed/ Charged off This account is similarly reported as the reported dates and balances for this account are inconsistent with those reported by other credit bureaus. Under 15 U.S.C 1681e ( b ) Transunion is required to ensure that information on consumer credit reports is accurate and consistent XXXX. XXXX XXXX Closed/Charged off This account is listed on my report without proper documentation to verify the ownership of this debt, i am requesting proof of ownership and validation of this account, including a chain of ownership documentation and if the verification can not be provided, i request that the account be removed immediately. 

XXXX. Unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries listed on my credit report are not linked to any open accounts and under the Fair Credit Reporting Act, hard inquiries should only be listed when related to an open account or a recently applied for account. these unauthorized inquiries are negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the THIRD time Ive had this problem with Wells Fargo the first two times they admitted their mistake in writing and sent me some money for my trouble now this third time theyre dragging their feet a bit and its not fair. Theyre trying to say that I owe them this XXXX dollars to cover what they did what they did is trying to turn my XXXX  into a second mortgage so they can put some insurance on it to get more money out of me now my mortgage holder is XXXX XXXX and they handle my escrow account so Wells Fargo XXXX not be trying to put insurance on this XXXX  because its not a second mortgage its an XXXX  and like I said twice before they admit their mistake gave me some money and we moved on and the payment went back to the original {$53.00} which Ive made every month during this whole fiasco for the past three years no late no skips not made or anything like that so everythings up-to-date but what they do is they take the payment {$53.00} trying to apply it to the past due amount ( which is wrong ) they say they have because of putting insurance on it and then theres not supposed to have insurance on it so they need to Correctly reconcile my account back to the regular payment of {$53.00} & no lates on my credit bcuz it is all their doing incorrectly to my XXXX! Youd think by the third time they could get this right!! I am XXXX yrs old & on a fixed income & this is making me so nervous I cant eat cant sleep after this ongoing problems with Wells Fargo ; I believe they are criminals & should b shut down! For my troubles I want more that the {$3000.00} they try to give me to not report them yet again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I paid my {$53.00} medical bill balance through the XXXX ( XXXX ) portal using my credit card. XXXX, the creditor, inexplicably refunded my payment without any notice or explanation ( note the refund in green on the Credit Card Statement screenshot ; and the refunded note in red on the XXXX screenshot ). Despite making this payment, I was sent to debt collections for the same bill after the refund. 

This action caused my XXXX  score to drop by approximately XXXX  points, with a similar impact on my XXXX score. I have no other unpaid debts, and my financial situation has only improved due to a recent job change. Based on these facts, I believe this credit damage is entirely due to XXXX  mishandling of my payment and the resulting collection report. 

I respectfully request that the CFPB investigate this matter and assist in removing the inaccurate collections report from my credit file. 

Thank you for your attention to this issue. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation