vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: NV

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX, XXXX XXXX XXXX XXXX XXXXXXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX ( Account # XXXX ) : 1. Inconsistent High Credit Reporting : The " High Credit '' is reported as {$6100.00} ( XXXX, TransUnion ) but {$5300.00} ( XXXX ). 
2. Conflicting Comments : Remarks such as " Credit Card Amount in XXXX XXXX is Credit Limit '' do not align with reported data.

3. Late Payment Reporting Ambiguity : " Was 30 Days Late 1 Time '' is unsupported by a detailed payment cycle. 
XXXX ( Account # XXXX ) : 1. High Credit Reporting Errors : " High Credit '' is reported as {$11000.00} ( XXXX ) but {$0.00} ( XXXX ). 
2. Date of Last Payment Conflict : The " Date of Last Payment '' differs across bureaus. 
3. Late Payment Mismatch : " Was 30 Days Late 1 Time, Was 60 Days Late 1 Time '' conflicts with " Current '' status. 
XXXX XXXX XXXX ( Account # XXXX ) : 1. Inconsistent High Credit : " High Credit '' is {$4600.00} ( XXXX, TransUnion ) but {$4600.00} ( XXXX ). 
2. Late Payment History Conflict : " Was 30 Days Late 1 Time '' is inconsistent with " Current '' payment status. 
XXXX. Conflicting Comments : Remarks such as " Charge Account in H/C Column is Credit Limit '' lack clarity and alignment with reported data.

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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXXXXXX Account XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-04 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: WI

Complaint narrative:
XXXX XXXX Account XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Long story short my mother name was involved with a debt with a credit card company ( American Express ) because of her authorize user. ( Another family member ). She decided to take responsibility for her authorized user. She was paying on the debt for years to where it was close to paid off but the statute of limitation was approaching as well. Now American Express has chosen to levy all of my mothers bank accounts ( Without Notice or A Court Hearing ) and cleared it including my bank account which I had her on, all XXXX dollars. So my money is gone too. They did this all without a court summons or any paperwork filed for garnished of pay. They garnished every dollar we have without filing anything with the courts. 

All of our money was taken on XXXX XXXX. We spent every calling trying to figure out whats going on. They decide to send my mom a letting on XX/XX/XXXX stating that they would be garnishing her pay. Days after they already took everything we had. We only got a letter after we were calling them all day. All without a court hearing or paperwork filed for garnishment. Not even a prior notice. They just took our money. 

By law a financial institution is not able to clear your bank account completely without a judgement from the courts. I would like for American Express to be held accountable for this. 

Currently they still have my money which has kept me from paying my bills. I receive notice from USPS everyday on when mail arrives to my home and this is the first letter theyve sent in months. After taking all that I have. 

XX/XX/XXXX XXXX was taken from my account and every transaction I made over the weekend was reversed, putting me in a deficit of - {$48.00}. ( Transactions that were made XXXX I transferred money to XXXX to complete purchases which were all reversed leaving me in negative. ) I froze my account and transferred the remaining funds that I had. Which was XXXX. They unfrozen my account XX/XX/XXXX and cleared it to XXXX again. 

Again, all without a court order, no prior motion to garnish pay or levy accounts. They filed a fake legal order without any judgement. I cant pay my bills because they broke the law and I would like them held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of Identity theft. I have never had business or accounts with Account name : I C SYSTEM INC Account number : XXXX or its original creditor XXXX XXXX XXXX I was not living at the address identification number XXXX after checking open dates & calling original creditors. This is hindering my way of life rite now with me trying to obtain transportation. I demand this fraud account be deleted 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 explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX  Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXXXXXX XXXX Date XXXX XXXX XXXX XXXX Date : XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

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 2024-12-04 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: TX

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to notify you regarding a {$0.00} charge-off account with XXXX XXXX that was disputed on my XXXX credit report. The dispute investigation was completed on XX/XX/year>, and XXXX has confirmed that the account was deleted from my XXXX credit file. 

Since the account was deleted from XXXX due to its unverifiability, I am requesting that your credit reporting agency also remove this same account from my credit file, as the account is now considered unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only accurate, complete, and verifiable information. If an account is found to be unverifiable, as in this case, it must be deleted from my credit report. 

Legal Rights : FCRA Section 1681i : Under the FCRA, when a consumer disputes an item on their credit report, you must investigate the dispute and ensure the information is accurate and complete. If the account can not be verified, it must be deleted. Since XXXX has already deleted the account, your agency is required to do the same. 

FCRA Section 1681e ( b ) : This section of the FCRA mandates that you maintain procedures to ensure the accuracy of the information you report. If the account is unverifiable, it must be removed from my credit report within 30 days of receiving notice. 

Right to Sue : If this account is not removed within 30 days from the date of this letter, I reserve the right to pursue legal action under the FCRA. I may file a lawsuit for violations, which could include seeking actual damages, punitive damages, and attorney fees. 

As per my rights under the FCRA, I expect that the unverifiable account be removed from my credit report within 30 days of receiving this letter. Please provide written confirmation of the deletion of this account or explain why the account has not been deleted in accordance with the law. 

Failure to comply with the FCRA will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I will be monitoring my credit reports for compliance and expect a resolution within the legally required timeframe.

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 2024-12-04 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: TX

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to notify you regarding a {$0.00} charge-off account with XXXX XXXX  that was disputed on my XXXX credit report. The dispute investigation was completed on XX/XX/year>, and XXXX has confirmed that the account was deleted from my XXXX credit file. 

Since the account was deleted from XXXX due to its unverifiability, I am requesting that your credit reporting agency also remove this same account from my credit file, as the account is now considered unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only accurate, complete, and verifiable information. If an account is found to be unverifiable, as in this case, it must be deleted from my credit report. 

Legal Rights : FCRA Section 1681i : Under the FCRA, when a consumer disputes an item on their credit report, you must investigate the dispute and ensure the information is accurate and complete. If the account can not be verified, it must be deleted. Since XXXX has already deleted the account, your agency is required to do the same. 

FCRA Section 1681e ( b ) : This section of the FCRA mandates that you maintain procedures to ensure the accuracy of the information you report. If the account is unverifiable, it must be removed from my credit report within 30 days of receiving notice. 

Right to Sue : If this account is not removed within 30 days from the date of this letter, I reserve the right to pursue legal action under the FCRA. I may file a lawsuit for violations, which could include seeking actual damages, punitive damages, and attorney fees. 

As per my rights under the FCRA, I expect that the unverifiable account be removed from my credit report within 30 days of receiving this letter. Please provide written confirmation of the deletion of this account or explain why the account has not been deleted in accordance with the law. 

Failure to comply with the FCRA will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I will be monitoring my credit reports for compliance and expect a resolution within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-04 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-04 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:
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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My electronic signature was reused without my direct approval on several occasions by XXXX XXXX XXXX employees, facilitated by XXXX XXXX XXXX in their role as an agent for Wells Fargo Bank , N.A . The reuse of and unauthorized E-Signature actions led to financing agreements and modifications processed through Wells Fargo, violating federal and state laws, including the E-SIGN Act. 

Details of Violations XX/XX/year> ( Original Agreement ) : Signature ID : XXXX IP Address : XXXX My electronic signature was applied to the original agreement without full disclosure of the terms. This action initiated a financing arrangement with Wells Fargo based on incomplete and unauthorized documentation. 
XX/XX/year> ( Modified Agreement ) : Signature ID : XXXX IP Address : XXXX My electronic signature was fraudulently reused to modify the original agreement. This modification was handled remotely by XXXX XXXX XXXX support team over the phone, altering the financing terms with Wells Fargo without my explicit authorization. 
XX/XX/year> ( Additional Modified Agreement ) : Signature ID : XXXX IP Address : XXXX While visiting XXXX  Discount Furniture, I observed a sales representative applying my electronic signature on their tablet without my consent to process a change request. This action bypassed authentication protocols and altered financing terms with Wells Fargo under false pretenses. 
XX/XX/year> ( Further Modified Agreement ) : Signature ID : XXXX IP Address : XXXX My electronic signature was reused for the XXXX time yet again by XXXX  Discount Furnitures support team over the phone to further modify financing terms with Wells Fargo. This occurred without my knowledge or approval, violating legal protocols for consumer authorization. 

Additionally, I created a new XXXX account on XX/XX/year>, using the email address tied to these agreements. This account showed no records of signed documents, further proving these agreements were fraudulently executed. Wells Fargo relied on these unauthorized agreements to establish and modify my financing 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