vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
My credit report contains accounts involved in pending litigation, and these are having a negative impact on my credit score.

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 2024-11-07 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: LA

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and inconsistent reporting of late payments for my XXXXDepartment of Education account on my Experian credit report. As per my records and cross-reference with other credit reporting agencies, there are significant inaccuracies in how this account has been reported, specifically regarding late payment status in XX/XX/year>. Here are the account numbers reported on my report : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Experian is currently showing XXXX late payments for XX/XX/year>, categorized as XXXX  days late, which is both erroneous and inconsistent. To provide clarity : XXXX. XXXX reflects this account with an " XXXX '' status. 
XXXX. XXXX lists this account as XXXX  days late, but without prior XXXX or XXXX late designations. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure accurate and fair reporting of consumer information. It is my understanding that reporting a XXXX late status without any prior XXXX or XXXX late notices violates Section 1681c of the FCRA, which requires that credit reporting be both accurate and updated with reasonable procedure. Reporting a XXXX delinquency without an accurate history implies misleading information, which may significantly and unfairly impact my creditworthiness. 
Additionally, the Fair Credit Billing Act ( FCBA ) offers protections to consumers from inaccurate reporting, especially when information fails to align consistently across credit bureaus. Since neither XXXX nor XXXX reports the same delinquency history, Experians report is evidently erroneous. 
Therefore, I am formally requesting that Experian : XXXX. Remove the inaccurate XXXX late payment entry for XX/XX/year>. 
XXXX. Reevaluate this account for full compliance with FCRA standards for accurate reporting. 
XXXX. Remove this account if it can not be accurately updated to reflect my true payment history. 
Please conduct a thorough reinvestigation, and provide me with written confirmation once this account has been corrected or removed. Enclosed are copies of how the inaccuracies shows on my credit reports from XXXX and XXXX for your reference. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my report has been corrected or amended within the XXXX period required by law. 
Sincerely, 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 2024-11-07 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: PA

Complaint narrative:
Tonight, I was completely taken aback to see inaccurate accounts listed on my credit report, without any explanation. Ive always checked my report and had no issues before, but suddenly, there were errors that I cant understand. I refreshed my browser, hoping it was a temporary glitch, but it didnt resolve the problemthe incorrect accounts remained. Im asking for a detailed review of my documents to prevent this from happening again and to put my mind at ease.

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 2024-11-06 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts were fraudulently opened in my name and do not belong to me : XXXX. XXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$910.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$470.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$470.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXXXXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX Dated : XX/XX/XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX  Dated : XX/XX/XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX  Dated : XX/XX/XXXX XXXX  Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dated XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: MD

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. 
Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX : Account name : XXXX XXXX XXXX** Account name XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX has violated my rights. 
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 XXXX 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 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 2024-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX, I filed a complaint against Wells Fargo Car Services regarding the improper repossession of my vehicle in XXXX. After more than XXXX months of waiting, I received a check for {$10000.00} in compensation for the losses I endured due to the repossession. Along with the check, I was provided with an offer to submit a remediation request if I felt the amount was insufficient. I filled out the necessary form and returned it as instructed, outlining that the {$10000.00} did not adequately address the full scope of my financial losses and the lasting impact this repossession has had on my life for those XXXX years since my car was taken. 

Unfortunately, I have not received any response or communication from Wells Fargo Car Services regarding my remediation request. It has now been several months, close to a year since I submitted the form, and I am concerned that my request has been ignored or overlooked. I am requesting your assistance in facilitating communication with Wells Fargo and ensuring that my concerns are properly addressed. 

The improper repossession caused significant financial strain, loss of personal property, and emotional distress, and I believe the initial compensation was not reflective of these hardships. I am seeking an update from Wells Fargo regarding my remediation request and hope for a fair resolution. 

I appreciate your attention to this matter and look forward to your assistance in obtaining a timely response from Wells Fargo Car Services.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
I have an issue with Prosper Credit Cards. They reported a 30 day late payment when in fact it was paid. I have the receipts proving that although I was about 20 days late the card was paid before the 30 days required for reporting. Mainly due to the effects of hurricane Helene, where I lost connectivity for several days due to my house being hit by a tree.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened a checking account at BMO bank in XXXX and never had use it. Had {$2200.00} sent to me through XXXX and they can't be trusted either.I wanted to do a wire transfer and said it was fraud and it wasn't if it eas it would of been sent back.and the person that sent it made out a report on it the XXXX XXXXXXXX going to be used for towards my XXXX XXXXXXXX he has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which he didn't get his XXXX cause they froze my account I've emailed 4 or 5 times to the banker and.I don't get any where from them I went in last week was going to close it and to get my money and they said we can't give you your money or close account cause they were waiting back to hear from XXXX I'm sorry it's almost 4 months and all I get is a run around. I need your help Thank you 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 2024-11-06 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: AZ

Complaint narrative:
Please review the attached file. I revoked their power of attorney over my account and opted - out of their services. Neither has been acknowledged or performed.

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 2024-11-06 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: AZ

Complaint narrative:
Please review the attached file. I revoked their power of attorney over my account and opted - out of their services. Neither has been acknowledged or performed.

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 2024-11-07 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: PA

Complaint narrative:
recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company 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 2024-11-07 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: MI

Complaint narrative:
I XXXX XXXX XXXX, A Victim of identity theft, I request removal and deletion of the listed accounts on my Experian credit reportXXXX. XXXX XXXXXXXX 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 2024-11-07 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: MI

Complaint narrative:
I XXXX XXXX XXXX, A Victim of identity theft, I request removal and deletion of the listed accounts on my Experian credit reportXXXX. XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED 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 2024-11-07 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: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
I appeared in court agaXXXXst Property Management company XXXX XXXX to address the unpaid rents due as the property was not in living conditions. XXXXXXXX XXXX were to bring the home to tenant right standards and did not so the city condemned the property and we had to move 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 2024-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: ME

Complaint narrative:
On XXXX XXXX I received a notification from ups that my card was out for delivery and then moments later delivered. Delivered to the XXXX XXXX in XXXX XXXX in XXXXXXXX XXXX. I did not authorize this. After trying to get In you with the hotel and I made complaint with XXXX someone had taken my card and activated it and withdrew all my government benefits from my direct express card. From XXXX they drove XXXX hours north to XXXX and withdrew {$800.00} XXXX XXXX XXXX in XXXX then again {$780.00} at XXXX XXXX XXXX XXXX when finally reaching direct express he gave me a claim number witch XXXX and told me to email id @ us direct express.com to have my identity verified. So I can recover what was stolen and the remaining {$300.00} balance. They have emailed me stating my identity is verified and to call the XXXX on the back of my card and that brings me to the Direct Express customer service which the past XXXX days I have waited hour just to finally talk to somebody who then transfers me and Im on hold for another hour and a half. If Im lucky somebody will answer then they have to transfer me and then by then, it normally just hangs up on me or when I finally get to talk to somebody they literally hang up on me and tell me have a good day. I was told Im fully insured and I would get my money and funds. I cant pay my phone bill XXXX cant take care of my insurance. I cant pay anything because of this this month. Theyre gon na turn my lights off here soon, I dont know what to do. I have a Police report. I got photos of my statements my bank statements from Direct Express whatever you need to help me get my funds back. I have it and I have called the Social Security office and had Direct Express removed from my bank so I just going through a XXXX account but they told me XXXX on my own for the DirectExpress and getting my money back they kept telling me just to keep calling them, but I cant keep calling them because nobody answers their phone can still receive calls as far as I know so my number is XXXX. My name is XXXX XXXX and I could just really use some help because I can not get a hold of Direct Express. I cant do anything to get the money back even though, they stated so but its impossible to get a hold of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
am disputing seven hard credit marks on my credit report. I did not remember me giving any permission to any agencies to perform a hard credit on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX am asking that these information be remove from my report. 
thanks, XXXX XXXX

Company response to consumer: Closed with explanation