vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
they are incorrectly reporting 29 days late as 30 days late.. this is in direct violation of FCRA act, 15 U.S.C 1681 This company is reporting me a 30 day late even though they had payment on day 30th. you can not make up your own rules reporting 30 days late when you are 29 days late. 29 is not 30 ... it is impossible for them to report 30 days late when they have payment on day 30.

30 days late means at least 30 full days late, not 29 days late ... ..that 's not how credit reporting work... ..you can not report 30 days late on day 29, it has to be full 30 days. 

the law is very clear ... .if they do not correct this issue immediately, I will be suing XXXX in small claims court.

it has to be full 30 days late before they can report a 30 days late, not 29 days as their letter states. see attached.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
they are incorrectly reporting 29 days late as 30 days late.. this is in direct violation of FCRA act, 15 U.S.C 1681 This company is reporting me a 30 day late even though they had payment on day 30th. you can not make up your own rules reporting 30 days late when you are 29 days late. 29 is not 30 ... it is impossible for them to report 30 days late when they have payment on day 30.

30 days late means at least 30 full days late, not 29 days late ... ..that 's not how credit reporting work... ..you can not report 30 days late on day 29, it has to be full 30 days.

the law is very clear ... .if they do not correct this issue immediately, I will be suing XXXX in small claims court. 

it has to be full 30 days late before they can report a 30 days late, not 29 days as their letter states. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX  XXXX per the XXXX opinion.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be ... terms of XXXX months is also being reported on a " charged off '' account ... .look at the XXXX year history as well ... there are so many inconsistancies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a hard inquiry on my XXXX report from Wells Fargo Bank. I contacted them but they will not remove the inquiry from my credit report. I was able to find out that someone applied for a XXXX credit card using my XXXX and they are supposed to be investigating. When I asked how to have the inquiry removed I was told I had to file a police report or file a report with the 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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Several months back I submitted a complete XXXX fraud affidavit and Police Report combined to Trans Union to remove accounts and addresses and inquiries related to my identity being used fraudulently. They agreed to remove all the information. What they did not tell me was that they also own a third party consumer reporting agency which provides third party consumer credit risk reporting from Trans Union and that company is called Trans Union XXXX XXXX. 
I recently applied for a credit account through my credit XXXX which is XXXX XXXX XXXX XXXX. This report was used against me and contains collection accounts, addresses etc that had been reported and it is directly related to all my identity theft issues. I spoke to my credit union who received a XXXX score of XXXX through the XXXX XXXX report owned by Trans Union. 
I also called Trans Union and not a single individual can tell me how to order this consumer report used against me to decline me credit. My current XXXX score with Trans Union is XXXX substantially higher than their other version. 
They even have a business website about Trans Union XXXX XXXX but no access for consumers to ask for a copy of their consumer report its only for lending institutions. Ive contacted them as well and they refuse to contact me back since Im only a consumer. 
I need access to this evasive report to identify and fix this report to correct it due to my identity theft.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hey, Hope  all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge off XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$130.00}

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 non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries listed below were not authorized by me. These are unauthorized inquiries and I am requesting these fraudulent inquiries to be removed. I do not have any of these accounts on my file and did not request any credit from any of these lenders. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020

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 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been trying to resume payments on my mortgage after I was given a payment suspension due to Covid. 

I called Wells Fargo somewhere in XXXX that I wanted to resume payment. They said they will call me within a week after processing my request. I did not receive a response for close to a month. 

I called again and literally forced the Agent to take my payment and put my payment details down on autopay. The Agent said he couldn't process my autopay, and that, an Agent will call me later for the autopay information and processing Many months passed without hearing fr wellsfargo. Why should I struggle to make payments on a loan? 

From middle of XXXX, XXXX I resumed calling wellsfargo to see if this thing could be rectified so I can start making payments. When I call, the answering machine takes my social, directs me to a specialist assigned to me, and that ends the story- the line is either dropped or sent to voicemail. 

On XX/XX/2021, I received an email from wellsfargo, claiming that my application ( i don't know what freaking sham application they're referring to ) has been approved and that I should start making specific payment amounts, starting XX/XX/XXXX, every month for XXXX XXXX before I will be able to start normal payments on my mortgage. 

THE INFORMATION ASKED ME TO CONTACT MY HOME SPECIALIST TO ARRANGE PAYMENTS AND THAT I SHOULD PAY THE EXACT AMOUNT QUOTED- {$3000.00}. 

Ive been trying ever since to contact Wellsfargo specialist to make payment. As Ive experienced for close to a month, my calls go to voicemail after entering my social security number. 

Ive tried paying online, but the amount on my online payment is higher than what I was instructed to pay ( plus wellsfargo did not even give me instruction to pay online ). Ans wellsfargo does not allow you to put in or pay other amounts. 

I even tried making payment over wellsfargo mortgage phones machine. After entering details, I am told I owe {$0.00}. 

Ive called wellsfargo several times, and my home Specialist. I call on my way to work at XXXX, and on my way from work at XXXX, almost everyday. Today is XXXX, the day I am suppose to make payment and there is literally no way dor me to make payment. 

I see all this as a ploy to frustrate me, make me feel comfortable with not paying my mortgage as they pile up on my debt, and make profits, and even more. 

I think it is very bad practice to set up customers to fail, in order for wellsfargo to profit. 

There are many other unethical things Ive found since my payment suspension, but I will leave that for another time. For now, I need to make payment. Ive been crying and begging to make payment for close to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA XXXX XX/XX/2017 {$8400.00}

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PR

Complaint narrative:
XXXX dinero XXXX deposit en la XXXX XXXX, XXXX mi XXXX XXXX papoyerel, XXXX invirti una cantidad de ms de XXXX dlares en una moneda llamada Gyen donde no permitieron que XXXX retirara mi XXXX XXXX la XXXX XXXX todava tiene mis ganancias y dinero invertido ilegalmente. I have evidence of my earnings which they did not allow me to access and they did not allow me to make investments with my money illegally and without explaining the reasons for the retention of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am becoming more and more frustrated I have been trying to remove this fraud alert for some time now. You all have been ignoring my request via phone and Transunion site. I am not able to obtain internet service or any necessary items via credit because of this. I provided you all with identity verification multiple times. If this fraud alert is not removed immediately, I will seek litigation. Your company 's unprofessionalism has cause me XXXX and XXXX to the highest degree.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX  XXXX - {$2700.00} XXXX XXXX XXXX XXXX  # XXXX - {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX XXXXr history it is not uniform across the board which it should be ... terms of XXXX  months is also being reported on a " charged off '' account ... .look at the XXXX XXXX  history as well ... there are so many inconsistancies

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX XXXX history it is not uniform across the board which it should be ... terms of XXXX XXXX  is also being reported on a " charged off '' account ... .look at the XXXX XXXX history as well ... there are so many inconsistancies

Company response to consumer: Closed with explanation