vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information was erroneous. The XXXX and TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX Furniture company XXXX XXXX XXXX a refund of XXXX to my credit card. There had been fraud on the card number used for my original purchase to them, but I was told by Wells Fargo I would be able to receive the refund still to the new number. On this same date, I received a deduction in the rewards balance points reflecting the refund of the transaction. There has been no refund to my card balance/statement. 

XX/XX/year> - Filed complaint to Wells Fargo for missing refund. Wells Fargo case number : XXXX I have still not received the refund. They have claimed it was possibly returned to XXXXXXXX XXXX  though they have been unable to provide any proof supporting this possibility. They have continued to extend their deadline and not respond to any emails I have sent. XXXX XXXX has been very helpful and confirmed they did not receive the refund.

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 monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed 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 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mortgage Loan : XXXX I am the borrower in the above mentioned Mortgage Loan. 

Principal Balance in the above mentioned Loan is $ XXXX [ XXXX XXXX ] as of XX/XX/year>. Lender is holding an Escrow amount of {$5800.00}. Monthly statement dated XX/XX/year> is attached herewith and shown as " XXXX XXXX ''. Borrower requested a Payoff ff statement on XX/XX/year> and the Lender provided me with a Payoff amount of {$30000.00} including the County Recording fees which is shown as " XXXX XXXX ''. On XX/XX/year>, borrower contacted the Bank regarding the Escrow amount settlement. As per the statement from the Lender 's Representative, " Escrow amount will be released on a later date after pay-off and there may be additional charges which may be deducted from the Escrow amount and " whatever balance leftover '' will be returned to the Borrower ''. Borrower requested a written statement from the Bank about the additonal charges/deductions from the Escrow account and the Representative refused to provide the same It is clearly evident from the above that the Lender is not intending to close the Mortgage in a clear and transparent manner. This is clearly an embezzlement of Escrow Funds. 

Borrower is intending to Payoff this Mortgage at the earliest and not later than XX/XX/year>.

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 2024-09-13 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:
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 bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
I was told that my cell number didn't match my identity so they refused to unfreeze account. I verified through my phone company that what Truist Bank stated was false.

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 2024-09-13 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
This account as well after I Reviewed credit and information is believed to be inaccurate financial information about me. I have not taken a loan to my knowledge, sent letter via us mail as well as disputed with credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$3900.00} was reported by XXXX XXXX XXXX on XX/XX/year>, which is not only erroneous but also violates several federal laws designed to protect consumer rights. 

Violations of the Fair Credit Reporting Act ( FCRA ) and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY.

2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by XXXX XXXX XXXX includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 
3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer.

4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit 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 non-monetary relief
Consumer complaint received 2024-09-13 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: NE

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$3900.00} was reported by XXXX XXXX XXXX on XX/XX/year>, which is not only erroneous but also violates several federal laws designed to protect consumer rights. 

Violations of the Fair Credit Reporting Act ( FCRA ) and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY.

2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by XXXX XXXX XXXX includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 
3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer.

4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
During XX/XX/XXXX I made a credit transfer from my XXXX XXXX Credit Card to pay off a Macy 's balance of {$1000.00} XX/XX/XXXX I received a call from Macy 's indicating they did not receive my payoff and I needed to pay {$120.00}. I paid the amount and closed out the Macy 's account. 
XX/XX/XXXX Macy 's started reporting me late so I disputed this with all three credit companies with a copy of the letter from XXXX XXXX that the amount of {$1000.00} was paid. 
As this is going on Macy 's kept my account open but increased my credit limit on a closed account. 
I reached out to Macy 's through there dispute information in XX/XX/XXXX. 
During this time Macy 's reported back the amount was correct and I owed the money. 
After repeatedly disputing the amount being paid off during XXXXXXXX XXXX XXXX, Macy 's agreed the account was closed by customer and applied my XX/XX/XXXX payment during the month of XX/XX/XXXX and credited me around {$35.00} credit for late fees. 
During the month of XX/XX/XXXX I was not report to the three credit bureaus as delinquent but they raised my credit limit on a closed account and stated I owe {$200.00} plus dollars. 
Today is XX/XX/XXXX and Macy 's has been reporting me again delinquent to all three credit bureaus since XX/XX/XXXX. My credit score is ruined I have proof of it.

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 2024-09-13 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: CA

Complaint narrative:
XXXX XXXX XXXX I am writing to formally demand that you cease all collection activities regarding an account that was fraudulently opened in my name. I have already provided your company with the necessary documentation proving that this account was opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-13 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: DE

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX 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 XXXXXX/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 2024-09-13 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: VA

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. Some personal information is no longer valid and is outdated Account : XXXX, Amount {$4000.00}, Acct # XXXX Account : XXXX, Amount {$170.00}, Acct # XXXX Account : XXXX XXXXXXXX, Amount {$660.00}, Acct # XXXX Account : XXXX, Amount {$500.00}, Acct # XXXX Account : XXXX XXXX, Amount {$480.00}, Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX, Amount {$2100.00}, Acct # XXXX Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Amount {$790.00}, Acct # XXXX Account : XXXX XXXX, Amount {$470.00}, Acct # XXXX Inquiries : XXXX XXXX - XX/XX/year>, XXXX XXXX XXXX - XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: VA

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. Some personal information is no longer valid and is outdated Account : XXXX, Amount {$4000.00}, Acct # XXXX Account : XXXX, Amount {$170.00}, Acct # XXXX Account : XXXX XXXX, Amount {$660.00}, Acct # XXXX Account : XXXX, Amount {$500.00}, Acct # XXXX Account : XXXX XXXXXXXX, Amount {$480.00}, Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX, Amount {$2100.00}, Acct # XXXX Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Amount {$790.00}, Acct # XXXX Account : XXXX XXXX, Amount {$470.00}, Acct # XXXX Inquiries : XXXX XXXX - XX/XX/year>, XXXXXXXX XXXX XXXXXXXX - XX/XX/year>, XXXXXXXX XXXX XXXX  - XX/XX/year>, XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I replaced my flooring with XXXX XXXX  and they offered a credit option through Wells Fargo. I was apprehensive at first and had the money at the time to pay in full but the salesperson with an XXXX explained it was no interest for a year and I was instantly approved for XXXX. I figured if I paid it off in a year wed be good. They reported me to the credit bureau and closed my account taking my credit score from XXXX to XXXX in months.

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 monetary relief
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALLY FINANCIAL XX/XX/year> CAPITAL XXXX DEALER XX/XX/year> XXXX XX/XX/year>

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 2024-09-13 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: NY

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) Please delete the account below : XXXX  XXXX

Company response to consumer: Closed with explanation