vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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:
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 2025-01-08 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was charged a past-due fee on the XXXX. My payment was due on the XXXX. I mistakenly paid on the XXXX as I was busy with the holiday. I called CapitalOne on the XXXX of XXXX to ask about these fees. I wondered if this fee could be waived because I have never been late and the lateness was only by 2 days. They told me that my account could not waive the fee and could not explain why. I asked for clarification as I know that companies can always provide great service by waiving the late fee. They could not explain why they could not and did not waive my fee. As a long-time customer who has never made a late payment, this is ridiculously bad service and a bad practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint against Wells Fargo Bank regarding their wrongful denial of a claim I submitted for unauthorized transactions that occurred after my phone was stolen. Despite providing all necessary documentation, Wells Fargo has declined my claim without justification, in violation of federal regulations governing consumer protection. 

Background On XX/XX/XXXX, my phone was stolen, and shortly afterward, unauthorized transactions were made using XXXX XXXX, which is linked to my Wells Fargo account. I immediately reported the theft to Wells Fargo and initiated a claim for the fraudulent transactions. I also took the following steps to substantiate my claim : 1. Filed a police report and submitted a copy to Wells Fargo. 
2. Purchased a new phone and provided proof of this transaction. 
3. Communicated with XXXX and provided Wells Fargo with email correspondence regarding the XXXX XXXX security breach. 

Despite my timely reporting and comprehensive documentation, Wells Fargo declined my claim. Furthermore, they failed to provide a clear explanation of what additional evidence would be required to approve my claim. 

Violations of Federal Regulations Wells Fargos actions appear to violate key provisions of federal consumer protection laws, specifically : 1. Electronic Fund Transfer Act ( EFTA ) Regulation E Under Regulation E, financial institutions are required to investigate claims of unauthorized electronic fund transfers in good faith. If the customer reports the unauthorized transactions within two business days, liability is limited to {$50.00}, and the bank must either : Complete the investigation within 10 business days, or Provisional credit the customers account until the investigation is concluded. 
Wells Fargo has not adhered to this regulation by denying my claim without a proper investigation or explanation. Their failure to inform me of what constitutes acceptable documentation is a clear lack of good faith in handling this dispute. 
2. Fair Credit Billing Act ( FCBA ) If any of the unauthorized transactions were made via credit ( such as through a linked credit card ), the FCBA protects me from liability for unauthorized charges beyond {$50.00}. Wells Fargos refusal to honor this protection also constitutes a breach of the 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 2025-01-08 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

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 2025-01-08 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: OneMain Finance Corporation
State: NC

Complaint narrative:
Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) One Main Financial ( {$2400.00} Charge-off ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this company that information was compromised due to XXXX XXXX XXXX. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against One Main Financial for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. One Main Financial failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for One Main Financial to provide verifiable proof of this debt and clarification of how the alleged charge-off was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given One Main Financial a fair opportunity to clear this up, however I am still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am writing to formally request the removal of a medical debt listed on my credit report, as it is subject to recent changes in federal regulations. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has issued a new rule which mandates that all medical debt, regardless of amount or age, be removed from consumer credit reports. This rule was enacted to reduce the financial burden of medical debt on consumers and to improve access to credit. 

Since this debt pertains to medical services provided, I request that it be promptly removed from my credit report in compliance with these federal regulations. 

Account below - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
A XXXX  XXXX XXXX account transaction has appeared on my credit report. The transaction is the result of identity theft. I have no knowledge about the crime. All I know is that the transaction does not relate to me. I have already filed a police report and identity theft report for the crime. I sent a notice dated XX/XX/year> via the mail to inform Trans Union about a crime that has taken place and to block and permanently remove the transaction from my credit report. Unfortunately I have not received a response from Trans Union. I am seeking redress for my instructions to be honored.

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 2025-01-08 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: OK

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have checked my credit report today something i dont due often and I have two hard inquiries on my report. XXXX : XX/XX/XXXX for XXXX XXXX XXXX  XXXX : XX/XX/XXXX from XXXX XXXX XXXX neither are of anything i know about and im not sure which of the XXXX listed credit bureaus ran the report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: IA

Complaint narrative:
I have checked my credit report today something i dont due often and I have two hard inquiries on my report. XXXX : XX/XX/XXXX for XXXX XXXX XXXX  XXXX : XX/XX/XXXX from XXXX XXXX XXXX neither are of anything i know about and im not sure which of the XXXX listed credit bureaus ran the 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 2025-01-08 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:
I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented : Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX  Date of Inquiry : XX/XX/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 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX XXXX XXXX XXXX. 
Subject : Dispute of Collection Account Reported by XXXX XXXX XXXX XXXX. 

Issue : I am disputing a collection account reported by XXXX XXXX XXXX XXXX for {$730.00}. I have no knowledge of this debt, and it appears on my credit report without my authorization or verification. It is duplicated on my report. 

Details : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX - XXXX I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). This account may have been added in error or could be a result of identity theft. 

Desired Resolution : 1. Validate the debt and provide detailed documentation showing I owe this amount.

2. Remove this account from my credit report if validation can not be provided.

3. Update my credit report to reflect accurate information. 

Impact : This inaccurate collection account is severely affecting my credit score and financial standing. I request an immediate investigation and resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding the XXXX account ( Account Number : XXXX ) on my credit report, which contains multiple inaccuracies and reflects poor reinvestigation practices by the credit reporting agency , violating several provisions of the Fair Credit Reporting Act ( FCRA ). 

Specific Inaccuracies and Violations : Repetitive Charge-Off Reporting : The account has been reported as charged off ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX, effectively re-aging the charge-off status, which is not allowed under 15 U.S.C. 1681c ( a ) ( 4 ). This practice extends the negative impact of the charge-off on my credit report beyond the permissible seven-year period from the date of first delinquency. 

Incorrect Balance Updates : Despite the account being charged off in XX/XX/XXXX, the balance was updated as recently as XX/XX/XXXX, suggesting ongoing changes to a static account, which contravenes 15 U.S.C. 1681c ( c ) ( 1 ). This update misleadingly indicates activity or re-aging of the debt.

Failure to Provide Reinvestigation Process : Upon my dispute, I requested details of the reinvestigation process as required by 15 U.S.C. 1681i ( a ) ( 6 ). The credit reporting agency failed to provide a comprehensive explanation or reinvestigation results, violating my rights under the FCRA. 
Due to these repeated violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report. Additionally, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate these practices to ensure compliance with federal laws. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately as far late payments The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments I'm now requesting you investigate this account and update these payments and account to be deleted and removed Immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2025-01-08 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 kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

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 2025-01-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

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