vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-10-16 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: CO

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. 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 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 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 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 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 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 that records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was sued by LVNV FUNDING, LLC for a time-barred debt for the amount of {$4900.00}. The last payment made towards the extended credit was on XX/XX/XXXX. The account went into default on XX/XX/XXXX. Which made it time-barred on XX/XX/XXXX. On XX/XX/XXXX is when they filed their lawsuit against my XXXX XXXX name. 

The original creditor sold my debt to the debt collector on XX/XX/XXXX. In the lawsuit they claimed that XX/XX/XXXX was my " Last payment made '', which was the first deceptive practice that they claimed in there lawsuit knowing very well that was false. 

In California Statue of Limitations is 4 years to be able to file a suit. They sued me 4 years, 1 month and 2 days. 

I was in and out of court for 6 months while teaching myself how to represent myself against these deceptive claims. On XX/XX/XXXX I finally was able to prove my case in court and had my motion to dismiss- Statue of limitations granted by the judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. I am registered in a state program for victims, and the attached card has my registration ID and everything attached to those numbers. For my protection, that is all I legally have to prove as proof, as that information is all tied to the registration number, and my state does not have anything else or different I need to provide. XXXX has already cleared it, and XXXX has accepted it after escalations with my Case worker, and she asked for the signature page I attached to this case. My state keeps things private, and my card is all I have to provide for proof in the program that I am in.

2 case numbers, because their website is buggy and the process makes you want to give up and is not easy : Today XX/XX/XXXX I called the number per the email I received and spoke with XXXX XXXX who said I need to listen he said no one can help me. He can not tell me anything or provide information but he confirms I did submit the proper information but It was not accepted. He advised he is the manager and He's not going to do anything about it. 

He refused to help me or offer me any directive. 
Case # XXXX Confirmation number : XXXX filed XX/XX/XXXX did not have the information for everything I was disputing due to the website being down, he said he would file a case and a supervisor would help me and that never happened. it was an outright lie. Partial dispute due to there website being down. 

Case # Confirmation number : XXXX partial dispute due to the last error ; he looked at both and said he could not help me but I called the number the email told me to and I will attach that email to this case also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RE XXXX XXXX Block Request To Whom It May Concern, I am XXXX XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: OR

Complaint narrative:
On XX/XX/year> and XX/XX/year> I made 2 separate transactions to purchase gas at 2 different XXXX gas stations. This was the first time I had used their advertised app to pay via my checking account and save money on the gas. I was notified on XX/XX/year> that the transactions did not go through on my bank. An unexpected charge went through on my bank account bringing it below the amount needed to cover these 2 transactions. On XX/XX/year> at approximately XXXX PST I replenished the funds in this account and called the company CHECKredi that manages returned payments for the XXXX XXXX Direct Pay app. They advised that I was being charged 2 separate {$35.00} fees for these returned payments even though this was the first time this happened and I explained the funds were made available in my account this morning. They refused to waive these fees and refused to provide any type of user agreement describing these fees as I was not made aware of these potential fees when I signed up for the app and this is predatory. Whats worse is each gas charge was for less than these {$35.00} fees. I can not afford this and they are telling me this will go to a collection agency and negatively impact my credit if I dont pay right away. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries. Please consider this letter as a formal request under the Fair Credit Reporting Act ( FCRA ) for a prompt and thorough investigation into this matter. Under the law, you are required to complete your investigation within 30 days, and I look forward to your swift response. 

collection/charge off 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 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 2024-10-16 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: MI

Complaint narrative:
I'am not liable for this debt i do not have a contract with them they did not provide me with the original contract as I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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.

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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

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 2024-10-16 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: FL

Complaint narrative:
I am submitting this complaint to report XXXX ongoing failure to remove fraudulent accounts from my credit report, despite multiple requests and the submission of necessary documentation. Attached to this complaint is the most recent identity theft affidavit, which clearly outlines the fraudulent accounts that need to be removed. 

I have been a victim of a data breach, and my personal information has been used to open unauthorized accounts. In response, I have already submitted an identity theft affidavit to TransUnion, along with all required documentation, including proof of my identity. Despite this, TransUnion has not taken the required steps to remove these fraudulent accounts from my credit report. 

Most recently, I had to submit another identity theft affidavit, which I have attached here for your reference. To this day, however, TransUnion has not removed the fraudulent accounts outlined in this document. Their failure to act in accordance with the Fair Credit Reporting Act ( FCRA ) continues to cause harm to my credit profile and financial standing. 

I respectfully request CFPBs assistance in ensuring that TransUnion reviews the attached identity theft affidavit and promptly removes the fraudulent accounts, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
There are inaccuracies on my credit report involving 15 USC 16c-2. The inquiries mentioned were not authorized and are harming my credit score. I request the removal of all unauthorized hard inquiries. 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 2024-10-16 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:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: MO

Complaint narrative:
My recent credit report includes several accounts that I did not authorize and believe to be incorrect. Please remove and block these accounts as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint regarding my experience with the Wells Fargo XXXX XXXX XXXX XXXX credit card, which I opened on XX/XX/year>. After being pre-approved for this card, I used it without issue for approximately three weeks. However, shortly before my first statement was issued, I encountered unexpected restrictions on my account, leaving me no way to use the card anymore. 

Over the course of this issue, I made at least five phone calls to Wells Fargo in an attempt to resolve the matter. Each time, I was advised to wait for further communication via mail. Eventually, I received a letter requesting a 4605c form, which I promptly submitted at a local branch. Despite my timely compliance, my account was closed on XX/XX/year>. 

Later, I was notified that the account closure was due to a discrepancy between the income I provided during the application and my reported income on last year 's tax return. I would like to clarify that my declared income, approximately {$40000.00} as evidenced by my W-2 and 1042-S forms, was accurate and matched the information I provided during the application process. 

Unjust Charges : Annual Fee : It is unacceptable to be charged the {$99.00} annual fee when my account was restricted within the first month of opening and subsequently closed by Wells Fargo for what I believe to be an unjust reason. 

Interest Charges : Additionally, my account was closed on XX/XX/year>, prior to the payment due date of my first statement. Following the account closure, the card was removed from my online account, leaving me with no way to make the payment before the due date. I only received a letter explaining how to make the payment several days after the due date had passed. Therefore, it is unreasonable for Wells Fargo to charge me approximately {$50.00} in interest under these circumstances. 

I am requesting that Wells Fargo reverse the annual fee and interest charges, as the situation was entirely beyond my control due to the account restrictions and subsequent closure. 

I trust that Wells Fargo will handle this matter fairly and look forward to your prompt resolution. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
Its absolutely shocking to find that there are incorrect accounts on my credit report today, and I have no clue why this happened. I regularly check my report, but suddenly, there were these discrepancies that didnt make sense. I even refreshed the page, hoping it was a glitch, but the errors stayed. I need these documents checked carefully so that I wont have to worry about facing this kind of stress ever again.

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 2024-10-16 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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