vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I submitted a complaint about this exact problem with this exact company in XXXX XXXX XXXX XXXX threatened to have me served and take me to court. Would not provide documentation of the veracity of the debt or complaint.

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 2024-08-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
Originally bought the gift card on XX/XX/year> of this year. I tried to use it on XXXX but it didnt work. The following day I attempted to buy an XXXX gift card at XXXX and it also didnt work. I had to file a complaint for the card. It took about 43 days for it to be resolved. It was resolved yesterday and I tried to use it today and the card still didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
My account with XXXX XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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. XXXX XXXX & XXXX XXXX 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 XXXX 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 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 2024-08-01 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: IL

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IL

Complaint narrative:
There are unauthorized inquiries on 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 non-monetary relief
Consumer complaint received 2024-08-01 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: WA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-08-02 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TX

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 explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
On XX/XX/year> I agreed to a lump sum payment of {$2800.00} to get up to date with an escrow deficit claimed by Penny Mac on a 30year mortgage held by same. Prior to XX/XX/year> 's payment I was notified that because of a {$20.00} quarterly increase in my property tax they would now increase my monthly payment by over $ XXXX month. My husband and I ( joint loan ) have each spent several hours trying to obtain backup or justification for this 2nd increase in 6 months. Despite escalating to several supervisors and promises to send the information we have not received anything. This would be a nearly $ XXXX increase on a XXXX loan within 7 months. Please help us to understand how this could possibly be legal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX exsperian Equifax not make in changes on my credit. report. accounts has been proven already on that. They didn't belong. no changes to found anywhere. On reportsin. Companies like credit acceptance name companies Get it now furniture. has provided me documentation. That these errors problem made. By. credit report company. XXXX XXXX accounts notice has fell off my credit report still no change completed on credit reports. When ever you apply anywhere for credit .The inquiry. Also go up on the. Credit report .I need inquiries removed dude to denial for credit. Founded on records proven on disputes.. Stil there are no changes made anywhere seen on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

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 2024-08-01 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: NJ

Complaint narrative:
Items that have resulted from fraud which I never benefitted from are being reported on my credit. These are already reported to the Federal Trade Commission but are not deleted from my 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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While reviewing my credit report, I identified two negative items that I believe are inaccurate. These items are listed under " XXXX XXXXXXXX XXXX XXXX and " XXXX XXXX XXXX. '' After thorough examination of my records and accounts, I found discrepancies and issues with these entries that prompted me to dispute them. 
from Experian dispute Department and 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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am writing to formally dispute an unauthorized charge of {$240.00} on my Apple Card, dated XX/XX/year>, for a reservation at the XXXX XXXX  booked through XXXX. I need your urgent assistance to resolve this matter. 

On the same day I made the reservation, I realized I had selected the wrong dates. I immediately contacted XXXX to cancel the booking. XXXX informed me that they attempted to reach out to the XXXX XXXX  management to cancel the reservation, but they received no response. Despite my prompt actions and having not utilized the booking, the charge remains on my Apple Card. 

I believe it is unjust to be held responsible for a service I did not use and attempted to cancel immediately. This situation has caused unnecessary financial stress and inconvenience. 

Thank you for your attention to this matter. I look forward to a swift resolution. 


I also have proof of the hotel I did stay at.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-01 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: SC

Complaint narrative:
XXXXXXXX XXXX Two hard inquiries for purchase of RV motorhome were made. 
I believe the inquiry should have been counted as ONE since it was for the same purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint against TransUnion for the unauthorized disclosure of my non-public bankruptcy information, which I believe violates the Fair Credit Reporting Act ( FCRA ). The agency furnished this sensitive information to unauthorized parties, contravening Sections 604 and 628 of the FCRA that protect the confidentiality and accuracy of consumer data. Furthermore, I have received a letter from the bankruptcy courthouse confirming that they do not furnish bankruptcy-related matters to credit reporting agencies, supporting my claim of improper disclosure. I have formally disputed this matter with the agency and am seeking corrective action to ensure my information is secure. I request the CFPB 's assistance in resolving this issue and holding the agency accountable for this breach of consumer rights.

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 2024-08-01 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: VA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Equifax because my Equifax file was reporting the XXXX XXXX XXXX account as delinquent. ( On my FICO Equifax file it has 30/60 Days Delinquent listed. At the time I spoke to several customer service representatives and was informed they can not dispute the delinquency because they are unable to see it on my Equifax file. Equifax was accurately reporting the XXXX XXXX XXXX account as included in my bankruptcy proceedings : however, the account was never delinquent and was discharged in the XXXX  XXXX Bankruptcy filed in XXXX of XXXX. Today ( XX/XX/XXXX ) I received the results of my dispute and unfortunately I am worse off then when I started. The account specifically has listed " Included in Wage Earner Installment Plan '', under Additional Comments it says " Bankruptcy XXXX  XXXX '' and it says Date Closed " XX/XX/XXXX ''. I filed bankruptcy in XXXX of XXXX XXXX XXXX XXXX was included in said bankruptcy. What essentially happened is the last dispute I filed reaged the account so instead of it being accurately listed as 6 years 7+ months old it is now being listed as only 1 year? days old. After speaking to several representatives today I was told I need to provide additional proof that this account was included in my bankruptcy. Therefore I solicited the assistance of the Bankruptcy Court in Kansas and they emailed a copy of my Bankruptcy Discharge papers which includes XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
I filled a complaint about a Inquiry that I did not recognize on my credit report, provided Equifax with an Id Theft Report, Copy of ID, SSN card, and billing statement. They refused to remove it and stated it was because they didn't think I submitted it, so then I filed a complaint here and once again they refused to do anything about even with the FTC report and the CFPB failed to do anything either. I once again am complaining about it and I have had the FTC report notarized. This will be my final attempt to work this out, my next step will be obtaining a consumer rights lawyer and seeking remedy. 

Here is their response from this very platform : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : EQUIFAX MORTGAGE SER INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MD

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There was a capital one account created in my name and a credit card opened on XX/XX/XXXX. XXXX. XXXX XXXX  was taken out of an atm in XXXX  XXXX. I am stationed in XXXX  XXXX  and do not live in XXXX  and have never banked with capital one or owned a credit card through any company, I found this through my XXXXXXXX XXXXl app on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NC

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of 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 non-monetary relief