vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: FL

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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Opened a Wells Fargo credit card with a company, XXXX XXXX XXXX. I opened the card in XXXX, when I opened the card we discussed the due dates since I am retired military and on a fixed income. I was assured it would not be a problem. I recently discovered they were charging me a {$40.00} a month late fee every month since XXXX. No one ever contacted me and when I logged in to pay my bill, it never showed it was late. I payed XXXX a month every month so I did not notice because my payment was around {$170.00} a month. Once I realized it, they only returned {$500.00} of these fees. My account would have been paid off a year ago had they not charged these fees. They would not work with me any further and I had to pay more money to close the account and stop the fees. They told me there was no grace period for late payments and they don't notify people when payments are late month after month. This can't be legal. Seeking guidance.

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 2024-10-15 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate.

In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. 
I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MD

Complaint narrative:
XXXX XXXX {$91.00} on XX/XX/XXXX ( Experian ), {$0.00} XX/XX/XXXX ( XXXX ) Account is over XXXX XXXX XXXX and still listed on XXXX and Experian as XXXX collection account with a balance. Was researched and found inaccurate, and deleted from XXXX THIS IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC
State: MO

Complaint narrative:
Debt Co is alleging that I did not respond to their request for more information. I felt strong enough that I could not trust them that I took a picture of the response. This picture is date and time stamped. I did mail it and I will be reaching out to the USPS because everything they do is digitized which will prove that this letter was received by Debt Co and that they acted heinously and predatorily by pretending that they did not receive a response. 

Also - prior to this letter they should have sent me the bill or evidence because regardless if they received said letter - they are required by law to respond to a dispute and THEY DID NOT. I was not mailed any more information- but i did have a phone call where the woman verified that I would be disputing the information and that I was sending a letter to that effect. I was victimized by them immediately and without cause by reporting to the credit bureau. They knew I was disputing the debt and it even says so on my credit bureau but they did not respond appropriately. 

I know my rights and I had the right to that information and attaching it to this complaint is not adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I dismissed my bankruptcy XXXX  XXXX. The trustee had a balance on hand of {$10000.00} from a car wreck lawsuit I won. Those funds were refunded back to me when I dismissed my case to pay my creditors. When I deposited the check I was told and emailed XXXX {$220.00} would be available, XX/XX/XXXX {$450.00}, XX/XX/XXXX {$4800.00} and XX/XX/XXXX {$4600.00} When I checked my account this morning there were no available funds. I checked my emails and no email from sofi. I called then and was notified only then that {$500.00} woukd be released XX/XX/XXXX and the remaining funds released XX/XX/XXXX. I cant wait that long, the check is from a trustees office and my car loan bank is wanting to reposess my car for no payments after the XXXX  XXXX discharge. I can see a little hold this is overkill being who it is from. Per their policy it states some will be available the next business day and the remaining no later than the XXXX business day. No one will give me a reason nor why I was not notified ahead of time on the hold dates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-10-15 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint to the CFPB to request, per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, TransUnion, block information from my credit report related to identity theft and fraud within four business days of receiving this notice. The inaccurate and fraudulent information includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in multiple hard inquiries and fraudulent collections on my FICO credit report. I do not recognize any of these accounts, collections, or hard inquiries, as they were not opened, created, or authorized by me and are a direct consequence of identity theft and fraud. This situation violates consumer protection laws, including the Fair Credit Reporting Act ( FCRA ).

As required by FCRA Section 605B, you must block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that these accounts, collections, and inquiries are directly related to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.

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 2024-10-15 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-15 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-15 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 writing to formally report that I am a victim of identity theft. Enclosed with this letter, you will find a copy of my identity theft report, as well as copies of my drivers license and Social Security card, which serve as proof of my identity. Additionally, I have included documentation verifying my current address. 
After reviewing my credit file, I discovered several accounts that do not belong to me and are not related to any transactions I have made. This situation has caused me significant distress, and I am requesting your immediate assistance in addressing this matter.

I kindly ask that you place an immediate block on the following fraudulent accounts in my credit file withi

n four days of receiving this correspondence. This is not merely a regular dispute ; I have filed a complaint with the Federal Trade Commission to document my status as a victim of identity theft. In accordance with sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act, I am requesting that you delete and block the following fraudulent accounts from my credit file : XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX ACCT XXXX XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX  ACCT # XXXX ( PLEASE REMOVE IT FROM MY REPORT ) XXXX ACCT # XXXX ( PLEASE REMOVE IT FROM MY 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX You have this account balance as {$24000.00} but the current account balance is XXXX XXXX have attached a screenshot of this account information below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I have tried to reach out to affirm for many times they wont help me they keep saying the same thing we will get back to you in 3 to 5 days but no one has reached out to me yet

Company response to consumer: Closed with explanation