vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Collection Removal Dear XXXX XXXX, I am writing to formally request the removal of a debt collection entry from my credit report related to account number XXXX. I have been reviewing my credit report, and I noticed that this entry was reported on XX/XX/XXXX. 

I understand that I have the right to dispute inaccurate or incomplete information under the Fair Credit Reporting Act. I believe this entry may be inaccurate for the following reasons : There was no proper notification of inaccurate balance or payment. I was not notified not once. Also the balances and reporting of accurate payments is incorrect. 

I request that you investigate this matter and, if the debt is found to be inaccurate, remove it from my credit report. Please provide written confirmation of the results of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I realized there were XXXX  unauthorized transactions from merchant XXXX XXXX. The XXXX  were reoccurring and the transaction added up to {$5100.00} I called the merchant but was only sent to a voicemail. I then filed a claim with Wells Fargo and this claim was open on XX/XX/year>. On XX/XX/year> ( which happens to be the XXXX business day ) the claim was denied, I was told Wells Fargo can not tell me why this was denied. 

I made an account with this merchant with my DL information but after doing research I found out that XXXX XXXX is an illegal offshore gaming website that i saw initially had a US address however the purchases say XXXX. I did not receive any coins nor did I benefit from any of these unauthorized purchases.

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 2024-10-21 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: MD

Complaint narrative:
Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear Sir/Madam , I am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my credit score. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX : Not listed Last Balance Update : XXXX XXXX XXXXXXXX Balance : {$4400.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  XXXX  Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  Balance : {$0.00} Last Balance Update : XX/XX/year> XXXX XXXX, XXXX. 

Balance : {$530.00} Last Balance Update : XX/XX/year> XXXX XXXX Rewards Balance : XXXX XXXX XXXX XXXX  Update : XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} Last Balance Update : XXXX These accounts are either closed, charged off, or have no balance due, and they should no longer impact my credit score or report any updates without my express consent.

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

XXXX  XXXX XXXX XXXX ( XXXX  XXXX. XXXX XXXX XXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. Reporting closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed 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 2024-10-21 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: MD

Complaint narrative:
Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear Sir/Madam , I am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my credit score. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and XXXX  XXXX laws : XXXX XXXX XXXX  Balance : Not listed Last Balance Update : XXXX XXXX XXXXXXXX Balance : {$4400.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Update : XX/XX/year> XXXXXXXX XXXX XXXX 

Balance : {$530.00} Last Balance Update : XX/XX/year> XXXX XXXX Rewards Balance : XXXX XXXX XXXX Balance Update : XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Update : XXXX  These accounts are either closed, charged off, or have no balance due, and they should no longer impact my credit score or report any updates without my express consent. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. Reporting closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: LA

Complaint narrative:
Dear XXXX XXXX XXXXXXXX, Account number XXXXXXXX XXXXXX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXXXXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXXXX/XX/XXXX, {$16000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: LA

Complaint narrative:
Dear XXXX XXXX XXXXXXXX, Account number XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXX XXXX, {$25000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: KS

Complaint narrative:
Per complaint ID XXXX they responded they need proof of my Indiana employment and proof of current address and they will give me my money. Here is my wage transcript from IRS.gov account my current Driver 's license front and back for my current address. Also my phone number is XXXX please contact me once you receive my documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$130.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-21 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:
i recently reviewed a copy of my credit report and i had noticed fraudulent accounts on my credit report. these accounts are hurting my ablilty to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested Experian update my Address and they update partial of my Address I am Asking Again to have my address updated I have Mailed DL/proof of address to experia Disputes.I also enclosed documents verifying my Address

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hi there, so I deposited a check on my checking account on XX/XX/year> the sum of XXXX and BANK OF AMERICA held the check and said it would be released on the XXXX, thats 2 days after it was deposited. My very first worry way the fast that the check was split into two payments, thats they held {$5300.00} and said on my mobile app it be realized on the XXXX at XXXX and {$57.00} to be deposited on the XXXX which means the check is short of {$220.00}. So on the XXXX at the given time, {$5300.00} was deposited into my account which I have details on how I immediately spent the money on a screenshot. At night, I called customer service and told him about the issue and asked me why I cant see the hold of {$220.00} and he told me I will receive {$220.00} on the XXXX at XXXX and the call was on record and on the XXXX, I will receive my balance of {$57.00} making my full amount. 
On the XXXX at XXXX as said by the customers service that I will receive {$220.00}, I did not receive the money so at arround XXXX, I called BANK OF AMERICA and explained to them again and the lady told me what she sees on her end is that the bank had deposited {$5500.00} into my account and I asked her if that was deposited once or twice which she did not give me an answer to that and the call was on record. We stayed online going back and forth with the issue because o told her I called the previous day and the same back told me I have record {$5300.00} and will receive XXXX today and instead of her verifying why I did not receive the money but she is telling me the bank Credited me XXXX which means either person is saying different things bout my account and if things were accounted, I dont know why they will be seeing different things on their end and that was already a red flag for me cuz toe different people are say different thing. 
Later that day, I say a full about on my transaction history that {$5500.00} was already cleared into my account that I still did not receive the {$57.00} I was supposed to, not talking about the {$220.00} because till today, I have not. So on the XXXX I received just the {$57.00} and is short of {$220.00}

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Being Challenged Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Employers to Be Removed : XXXX XXXX XXXX XXXX XXXX  Accounts Being Challenged - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX Collections Being Challenged : - XXXX  XXXX - XXXX Inquiries Being Challenged : -XXXX - XXXX - XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I never open this account. Please remove this account off my credit report as soon as possible. 

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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I got an email from Experian saying i had made changes to my account, which I had not. I then proceeded to get a text that I was now enrolled into their smart money account which I did not do either. I tried contacting them through phone and could not get in touch with a live representative no matter which buttons I clicked. I then proceeded to try to get in touch with them over email. I was told I needed to either fax or email a copy of my social security card, license, and a bank statement that had my address on it. Since this is the second time in a month someone has tried to open an account in my name I obviously do not feel comfortable sending these personal documents through the mail or through fax. I have no way now of changing the email back to what it was before and they also refuse to shut down my account without sending these private documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-21 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPT OF EDUCATION/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : US DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX  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