vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a XXXX Y.O. senior and I was the victim of a XXXX Impersonator. He called me and when I did not comply with his request for payment he shut down all my XXXX family cell phone lines. He called me back and explained that XXXX need 2 payments to restore my account. I sent 2 XXXX payments through TD Bank, on XX/XX/year>, {$650.00} and {$340.00}. when he requsted a 3rd payment I went to a XXXX store and they explained I was the victim of a XXXX impersonator. I filed a dispute with TD bank and they rejected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CT

Complaint narrative:
Please remove fraudulent and hard inquiries off my credit file from XXXX, Trans Union and XXXX immediately. 

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 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 2024-08-07 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: CT

Complaint narrative:
Please remove fraudulent and hard inquiries off my credit file from Experian, XXXX XXXX and XXXX immediately. 

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 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 explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I have disputed with the creditor XXXX XXXX XXXX XXXX XXXX XXXX. the debt was sold to a third party debt collector ( XXXX XXXX in XXXX. XXXX XXXX & XXXX XXXX I sent a letter to the third party asking for purchase agreement and copy of contract & the company did not respond within the 30 days to investigate required by law. The creditor has illegally Re-Aged this account illegally with date active from XX/XX/XXXX to XX/XX/XXXX reporting. TransUnion & XXXX XXXX XXXX have different date active dates & Last Reported Dates with different amounts etc even though I sent my letter on XX/XX/XXXX They have not responded to me with validation which they have failed to do proper updates or proper investigation which the credit reporting agencies would see several FCRA violations with this account

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-07 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: GA

Complaint narrative:
Why do the negative accounts still remain on my credit report until now? I want them removed. If no action is taken regarding this, I will sue and fine you accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX today I was in branch Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX to get my debit card and account unblocked and also to get my XXXX unblocked and bank online access unblocked and money wire transfer access unblocked and mobile deposit unblocked and when she called in the agent told her everything was unblocked but that was a lie the agent only unblocked the bank online access and only also unblock the mobile deposit access and whe the banker worker call back in to get the XXXX unblocked and money wire transfer unblocked she couldn't get it unblock they claim their system was done over a glitch and the banker worker ask the agent if I should wait at the bank and she will call back or could I call customer support to get the XXXX and money transfer unblocked and he said yes he would also add a note to my account stating I was fully verified and I didn't have to verify again when I call in they would straight help me when I have called in the customer support and tell the agent I need my XXXX and money transfer to be unblocked she transfers me to another department and I told them the issue I was at the bank and they say they couldn't help me I need to go back in the bank and have the agent call them and when I told them everything both agents did and say and they blocked my online access again for no reason when I have called in my online bank username is XXXX I want y'all to unblock the XXXX and unblock the online bank access and unblock money transfer because I been having this issue with y'all and can't get it resolved for fixed the right way for months and almost a year now and I am getting tried of this and I have to keep going to the bank for no reason to get a issue when they sometime can't help you out right or sometime can't help or get it resolved or fixed the right and sometime I can't go to the bank I don't have transportation and I want y'all to unblock my bank acesss and unblock my XXXX and unblock my money transfer and unblock mobile deposit access and the branch worker who was helping me was XXXX  and her email was XXXX and I also am requesting a one-time account credit for this issue for {$2000.00} to {$3000.00} for this issue y'all giving me or can't resolve for me or y'all can give me any account credit y'all want for my issue y'all workers or giving me for no reason My name is XXXX XXXX phone number is XXXX or XXXX you can contact me at both phone numbers and contact me at email is XXXX please also add this to my complaint XXXX CFPB look at the attached below of the issue I am facing and account number is for wells fargo account 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 2024-08-07 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: VA

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a XXXX  payment notation, despite not having any XXXX  payments.

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 2024-08-07 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: TX

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-07 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: SC

Complaint narrative:
I did not authorized these inquiries on my Transunion report at all and it is there by fraud I have submitted an identity theft report to transunion as well and this matter has not been taken care of. These are the inquiries I did not authorize and I asked to be removed please. 
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 XXXXXXXX

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HW Holding, Inc
State: CO

Complaint narrative:
During the last few months, I have noticed a collection account on my credit report from HWARFIELD ( XXXX ) that I have no knowledge of how it was placed under my name. Neither the collector nor the creditor claiming to be the original ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) provided me with certified notifications that the account would be transferred to a third party, nor was I requested permission for a permissible purpose to report it on my record. Therefore, I proceeded to dispute the account in writing, requesting validation and removal of the account ; however, they have ignored my communications with them and the credit bureaus. The account is being reported inconsistently on my report, providing incomplete information among the three credit bureaus, which raises further concern about my case. Since they are not providing concise information to the credit bureaus, this may be considered a violation of 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-07 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. Please see the attached documents.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. Please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
Upon reviewing my credit report, I am distressed by the discovery of a XXXX  payment notation, despite not having any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: VA

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a XXXX  payment notation, despite not having any XXXX  payments.

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 2024-08-07 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: NY

Complaint narrative:
I recently requested for a correction to be made on my credit report because I was showing XXXX credit inquiries showing on my credit report. The bank recently closed my business bank account which they had sent me a pre approved letter for business credit. Then they proceeded by denying my application and giving me XXXX credit inquiries while at the same time sending me a " end of business '' letter where they didn't disclose why they were discontinuing doing business with me. I think its completely unfair for them to promote pre approved credit, have me apply, and then stop doing business with me while at the same time reporting a hard inquiry to my credit report not just once but twice. I need both hard injuries to be removed. XXXX XXXX XXXXXXXX is destroying me chances from continuing business else where.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently disputed this XXXX XXXX XXXX account from my credit report and it has shown back up twice. I received a letter from them that they will no longer contact me regarding this fraudulent account and have recovered the vehicle that does not belong to me. I also added a medical account to this identity theft report and two hard inquires that does not belong to me.

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 2024-08-07 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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