vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
XXXX XXXX XXXX XXXX. I disputed this account last month. Included with my dispute was a letter from XXXX XXXX that confirmed the account was not 30 days past due for my XX/XX/XXXX payment. The letter clearly states that a payment was made on XX/XX/XXXX. Pursuant to a settlement agreement with the XXXX and other attorney generals in XXXX, Trans Union agreed to assign an employee to investigate disputes that have supporting documentation. I would a description of Trans Unions investigation of my dispute. In particular, please state whether Trans Union assigned an employee to investigate my dispute and if so, what were the findings. 

Also, there are new problems with Trans Unions reporting of this account. First, my payment for XX/XX/XXXX is missing from the payment history of the tradeline. Second, Trans Union is not reporting that the account is disputed, including the nature of my dispute. Third, Trans Union is not reporting a Date of First Delinquency. Please remove the late payment notation for XX/XX/XXXX or remove this account entirely. Otherwise, Trans Union needs to report complete information and include the information that I just identified as missing. 

XXXX XXXX XXXX. I received dispute results for my dispute regarding this account. The File Number and Date Issued for the Investigation Results are XXXX and XX/XX/XXXX. I disputed that the account was 30 days late in XX/XX/XXXX. Not only is XX/XX/XXXX still reporting late but my payment for XX/XX/XXXX is not reporting and the pay status is reporting as 30 days past due. I made my payments in XXXX and XX/XX/XXXX within 30 days of the due date. The account is currently on time. And I was current/on time in XXXX and XX/XX/XXXX. 

I viewed my myFICO report and it reflects that the account was current in XX/XX/XXXX. But Trans Unions Investigation Results is reporting the payment status for XX/XX/XXXX as Unknown. Also, the payment history stops in XX/XX/XXXX. As a result, my payment for XX/XX/XXXX is not reporting. I am attaching my myFICO report, which shows the account should report as current/on-time in XX/XX/XXXX. I am also attaching a screenshot of my online account with XXXX XXXX XXXX. The screenshot shows that the balance is {$14000.00} and that a payment of {$470.00} was paid on XX/XX/XXXX. XXXX XXXX XXXX  reported this account to Trans Union before my payment of {$470.00}. But the payment was only 9 days late. The payment due in XX/XX/XXXX was {$460.00}, which was covered by the {$470.00}. Despite the payment, Trans Union is still reporting that the account is {$460.00} past due.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP
State: MI

Complaint narrative:
I disputed XXXX charges with Key bank in my account ending in XXXX. For months The bank neglected to re-investigate and once reported to CFPB, Key Bank issued monetary relief in the amount of {$300.00} ( only after months and months of me begging for a thorough investigation. 

In addition, Key Bank negligently reported this account to chexsystem as an overdraft account. I have since been denied the opportunity to open a bank account due to this. I have reported this before thru CFPB and directly with Key Bank and Key. Recently I received a letter from key bank stating they never reported the charge off to XXXX but they referenced the wrong checking account. They referenced account ending in XXXX. 

The account they erroneously charged off was account ending in XXXX not XXXX so why I got a letter referencing account ending in XXXX makes no sense to me. Again, no one investigates thoroughly. 

Once again, KeyBank has failed to properly investigate this account. I am exhausted. I have been dealing with this for XXXX months. 
KeyBank has not been responsive, as no one has returned my phone calls, letters or emails, furthermore they have not thoroughly investigated anything I have requested they investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have been wrongfully denied a refund for payments that were misdirected to an unaffiliated business and resulted in the illegal repossession of my vehicle. 

Incident Details : On XX/XX/year>, I made a payment of {$15000.00} as a deposit for a vehicle purchase from XXXX XXXX XXXX ( intended recipient ). 
On XX/XX/year>, I made a follow-up payment of {$750.00} for my first biweekly installment. 
Instead of these payments going to XXXX XXXX XXXX, they were processed to XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX a business that I have never engaged with or authorized any payment to. 
Due to this error, the dealership ( XXXX XXXX XXXX ) falsely claimed non-payment, leading to the wrongful repossession of my vehicle despite my payments being made in full. 

I promptly disputed the unauthorized transactions with my bank, expecting a thorough review. However, my dispute was wrongfully denied, and when I requested supporting evidence proving that I authorized these transactions to XXXX XXXX XXXX, the only documents provided were : A bank statement ( which merely reflects the transaction but does not verify authorization ). 
A customer questionnaire ( which does not serve as proof that I conducted business with this entity ). 

At no point did I authorize payments to XXXXXXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX nor have I ever received goods, services, or contractual agreements with them. This constitutes unauthorized fraud, and the banks denial without legitimate supporting evidence is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the following items listed down below, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
THIRD REQUEST There are XXXX unauthorized hard inquiries reporting on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, I have the right to dispute any inaccurate or fraudulent information on my credit report. I have presented Equifax with my identity theft report indicating that the accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXXXXXX 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 Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-05 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-05 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: PA

Complaint narrative:
I am reporting unauthorized hard inquiries on my **TransUnion** credit report. These inquiries were for **business credit** and should not have been made using my personal **Social Security Number ( SSN ) **. The companies involved are : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX on XXXX ; this company **will not return my emails** regarding the issue. 
- XXXX Inquired on XXXX ; this is a **business credit card** that should have only used my **business XXXX, not my personal SSN. 

**TransUnion does not allow me to dispute these inquiries online**, making it difficult to correct this error. Under the **Fair Credit Reporting Act ( FCRA ) **, hard inquiries should only be made with my explicit authorization and for a permissible purpose. I did not consent to personal credit checks for these business-related inquiries. I am requesting an investigation into these unauthorized inquiries and their removal from my 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 explanation
Consumer complaint received 2025-03-05 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: WI

Complaint narrative:
Hello, XXXX XXXX  has a nation wide banking error & is reporting business accounts to personal credit report in error. XXXX does not report business credit card accounts to personal credit unless it's delinquent. I talked to XXXX & they apologize for this error & said they would put in a request with the XXXX major credit bureaus, XXXX XXXX, XXXX XXXX Experian for this account to be removed immediately. However, XXXX 's error is causing extreme stress on me because their banking reporting error caused my credit scores to drop XXXX points & I have an over XXXX credit Fico score on all XXXX bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year> ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, XXXX didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with XXXX that every time I apply for credit, they pull from XXXX bureaus both XXXX XXXX XXXX Experian & I get XXXX inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from XXXX 's system errors. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX XXXX - Account # : XXXX - Balance : {$210.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX me and Wells Fargo agreed to a XXXX month forbearance however, Wells Fargo failed to honor the agreement. On XX/XX/XXXX I was instructed to submit an application to XXXXXXXX XXXX XXXXXXXX within 10 days for a trial plan, I did so. Wells Fargo however failed to honor the agreement. We went several more months up until XX/XX/XXXX when I called a relative XXXX XXXX XXXX and asked if he would loan me the money. XXXX XXXX agreed to let me have the money in exchange for me working with him in his contracting business. I agreed and he called and spoke to a lady named XXXX XXXX who took the payment on XX/XX/XXXX. I was sent a letter from XXXX XXXX confirming that XXXX XXXX had made the payment and stated that my loan would be reinstated immediately. However I received notification that they were proceeding with foreclosure. I told them that I had paid the amount necessary to reinstate my loan and was told that I needed to forward them the receipt or provide them with a copy of the letter I received XXXX XXXX XXXX XXXX. because I was not the person that made the payment, I did not have the receipt and I was also unable to find he letter since we had been packing for the foreclosure and was now unpacking. I was told that if I did not have either there was nothing they could do.

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 2025-03-05 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: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Dear Harris & Harris , Ltd., I am writing regarding a recent communication received about an alleged debt. I want to state clearly that I have never entered into any contractual agreement with your company, nor have I authorized the use of my personal information. This is a serious violation of my rights under federal law. 

Your actions violate the following laws : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : It is unlawful for you to attempt to collect a debt without verifiable proof, including a legally binding contract.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Accessing or using my personal information without my explicit consent is a severe breach of federal law.

3. Gramm-Leach-Bliley Act ( GLBA ) : You are required to protect the privacy and security of consumers personal information. Your actions indicate a failure to do so.

I demand immediate action to rectify this situation, including : 1. Providing Verifiable Proof of the Debt : Submit a signed contract or agreement proving the debts legitimacy.

2. Cease and Desist All Communications : Immediately stop all attempts to collect this alleged debt, including any further communications.

I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. 

Please confirm receipt of this email and address my concerns promptly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief