vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
I XXXX XXXX is a victim of Experian XXXX XXXX. The company is allowing fraudulent accounts I disputed to remain on my credit report after I sent in a FTC for the accounts. I spoke with Experian and was informed to follow the instructions given to me to remove the accounts and the company have not removed the 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> I purchased a XXXX from XXXX XXXX for {$5100.00}. They took that payment on that date. They shipped the XXXX on XX/XX/XXXX. It arrived and was delivered on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX charged me again {$5100.00} for the same XXXX. I proved to Bank of America through multiple screenshots that I paid an alternate way for this XXXX  and that XXXX XXXX had charged me twice. I opened a dispute for the charge and unfortunately, despite the irrefutable proof, Bank of America decided to decide with them withdrawing my account - {$5100.00}, Bank of America then allowed my account to overdraw up to {$10000.00} in the negative, I had rectify this myself, but I left the negative balance for the XXXX XXXX charge because it was not authorized. Since this account was negative, and I told Bank of America, I was going to go through the consumer protection bureau because they were given proof that I paid an alternate way and decided to take that money from me, this morning I woke up and found that Bank of America had illegally against FDIC regulations and against consumer protection fraud they took {$1200.00} from my other account without my authorization without my permission and without any type of overdraft protection plan, on XXXX XXXX took that money and put it toward the negative balance in the other account with the arbitration still open. It is against the law for the bank to decide just to take money out of XXXX account and put it in the other at their own volition on any day they decide. This did not create a XXXX dollar balance in the other account nor did it have any other reason for being done except to leave a XXXX single mother with XXXX dollars in her bank account on XXXX XXXX. This bank is sadistic and uses fraudulent practices. Bank of America will be sued. I put in the complaint for them to reverse it and XXXX people told me that they were not going to do that because they were owed the money on the other account. I proceeded to tell the supervisor that not only was it illegal against FDIC regulations and against consumer fraud, but they were breaking the law and the person in the back office who completed the transaction was being sadistic and vindictive for me having the negative bank account just because I had some money to pay my bill bills in an alternate account. They still have yet to fix the XXXX XXXX issue. They decided in XXXX XXXX favor, despite being given proof and I want that reversed. I want that decision to be reversed and I want the {$5100.00} to be taken from XXXX XXXX because they were paid twice, I want to put back into my bank account, and I will be leaving all of my accounts and closing everything with Bank of America due to their fraudulent practices.

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 2024-12-24 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:
On XX/XX/year> I sent my FTC report with my License to Transunion. I reported identity theft.

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 2024-12-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
These are unauthorized hard inquiries from 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  I did not apply for these credit cards or auto loan, and I called Trans Union on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.

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 2024-12-24 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: NC

Complaint narrative:
These are unauthorized hard inquiries from 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  I did not apply for these credit cards or auto loan, and I called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.

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 2024-12-24 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-24 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: MS

Complaint narrative:
I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts, which had been deleted earlier, have resurfaced without my awareness. I was neither informed of their return nor received any mail concerning 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 2024-12-24 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-24 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:
On XXXX, I opened a dispute with XXXX, Complaint No. XXXX. I would like to remove the dispute and dispute the following matters. On XXXX, I settled the XXXX XXXX account listed as {$110.00} for {$90.00}, confirmation code XXXX. However, there remains on my account an XXXX XXXX  debit for {$850.00}, which has been charged off. Pursuant to 26 U.S.C. 6050P, where a charged-off account is greater than {$600.00}, I am entitled to be provided with a 1099c tax form. Since XXXX XXXX  never provided me with a 1099c tax form, I have no way of determining how the charged-off was handled. Accordingly, absent the 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$850.00} is the correct amount owed on my account. There is another account listed on my credit report from XXXX XXXX XXXX XXXX, in the amount of {$10000.00}, which was a voluntary surrender. However, absent a 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$10000.00} is the correct amount owed 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 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, XXXX OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX OF LAST ACTIVITY, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

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

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

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Ttey claim I owe credit card debt from over 20 years ago to the now defunct Orchard Bank. They have threatened, lied, name called and used profane language. They have called at XXXX in the XXXX  and claimed the filed a UCC in the state of Rhode Island against a supposed debt that as already reached the statute of limitations. I found that they did not file a UCC against an unsecured 20+ year old debt. 
They are also calling related people in the area with the same last name including the ex wife of my ex husband. They NEVER leave a message and most of the calls are from spoofed numbers. 
XXXX XXXX should be closed down due to their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Subject : Wells Fargo omits proof of false foreclosure Please reject the response by Wells Fargo in complaint numbers XXXX and XXXX. Wells Fargos response is inadequate and a duplication. My complaints had entirely new information that was not previously provided. Wells Fargo ignored the evidence and completely disregarded the new information by restating their history lesson from months ago. The CFPB standard is to avoid duplication. This standard should be applied to the Wells Fargo response where the repeat offender regurgitates their answers from months ago.

Wells Fargo is violating the Consent Order by failing to add my name to the list of victims. By naming their victims Wells Fargo gets a free pass to investigate themselves. Wells Fargos histor
y lesson is not going to make me whole under the Consent Order. I want justice. 
As can be seen in my letter to XXXX XXXX XXXX, XXXX ; I listed the items providing the facts showing the false foreclosure which contradict Wells Fargos history lesson. Please direct Wells Fargo to address the documents I provided one at a time in their answer. 



This is additional information to be used with complaint number XXXX Please see attached letter to XXXX XXXX XXXX XXXX Complaint : XXXX There is additional documentation in this complaint that has never been provided in previous complaints. It makes a major difference in the credibility of my complaint that has not been provided previously. This complaint is a completion of the false foreclosure complaint. See attached letter and exhibits : XX/XX/XXXX Letter to XXXX XXXX XXXX, CED and President - XXXX pages Exhibit XXXX showing that I have made all contractual payments Exhibit XXXX. Wells Fargo Letter ad Check Dated XX/XX/XXXX ( XXXX pages ) Exhibit XXXX. Wells Fargo Letter XX/XX/XXXX ( Wells Fargo 's basis for foreclosure ) Exhibit XXXX. Wells Fargo XXXX XXXXXXXX XXXX Affidavit to Court " failure to cure '' Exhibit XXXX. XXXX XXXX, Affidavit to Court with footnote Exhibit XXXX. Wells Fargo XX/XX/XXXX Mortgage Statements ( Incomprehensible ) XXXX pages Exhibit XXXX. XXXX XXXX XXXX XX/XX/XXXX increase in payment ( false increase proved by receipts from the Receiver of Taxes ) XXXX pages Exhibit XXXX. CFPB Complaint No. XXXX XX/XX/XXXX false increase and false delinquency ( XXXX pages )

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 2024-12-24 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:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report XXXX 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 non-monetary relief
Consumer complaint received 2024-12-24 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:
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