vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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:
XXXX XXXX Date of Birth : XX/XX/XXXX Correct and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to formally dispute incorrect information reported on my credit report. On XX/XX/XXXX, I contacted all three credit bureaus regarding inaccuracies, but as of today, XX/XX/XXXX, I have not received any communication confirming the removal of this incorrect information. 

Credit Report Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Last 4 of SSN : XXXX I am demanding the immediate removal of all incorrect information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. Section 609 ( 15 U.S.C. 1681g ) mandates that consumers have the right to obtain all information in their files at the consumer reporting agency, including any inaccuracies that may be affecting their creditworthiness.

Additionally, Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to remove any information that can not be verified. As I have disputed this information and received no response, the agencies are in violation of the FCRA.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from misleading or inaccurate information. As such, I am requesting that you ensure all reporting agencies comply with federal law by conducting a thorough investigation and removing any unverifiable information from my report.

Please confirm receipt of this letter and provide documentation regarding the actions taken in response to my disputes. I expect the inaccurate information to be addressed immediately, as mandated by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit reports with XXXX, XXXX, and Equifax after being a victim of identity theft and found erroneous and inaccurate information on my credit report. The FEDERAL Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld. There are multiple names listed on XXXX and an inaccurate spelling listed on the XXXX credit report. There should only be one spelling of my name, XXXX XXXX, all other spellings are inaccurate and must be deleted. There should only be one address on my credit report, which is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; all other addresses are erroneous and must be deleted There should not be any employers listed on my credit reports all employers must be deleted. There is an account listed on XXXX, XXXX, and Equifax report as XXXX  XXXX, acct. # XXXX, the date of last activity is not the same on each report, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax XXXX XX/XX/XXXX, these are inaccuracies and must be deleted immediately. There is an account listed on XXXX, XXXX, and Equifax as XXXX XXXX XXXX # XXXX, the date of last activity is different on each report, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax XXXX XX/XX/XXXX, these are erroneous and must be deleted immediately. There is an Inquiry from XXXX XXXX XXXXXXXX XX/XX/XXXX that appears on XXXX that I did not authorize. There is an Inquiry from FACTUAL DATA XX/XX/XXXX that appears on XXXX and XXXX that I did not authorize. There was no permissible purpose and these inquiries must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have no Knowledge of this transaction XXXX my phone was stolen and its been over 10 days for the investigation which should of been 4 days under the FCRA im demanding my funds to be reimbursed {$4900.00}

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 2024-10-03 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 concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, 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 2024-10-03 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-03 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-03 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: GA

Complaint narrative:
I have had issues with my consumer report over the last year in regards to identity theft. I placed credit freezes and fraud alerts on my consumer report. I removed these alerts a freezes a month ago. Yesterday On XX/XX/year> I received email notifications stating someone accessed my credit file. I then looked at my equifax report and saw 3 new inquires that I did not authorize. It appears someone attempted to get a car loan on XX/XX/year> using my information and person or individual who uses my information without my authorization is guilty of identity theft. The companies in which the inquires stemmed from are XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I demand these inquires be removed because they are fraud related. I did not authorize these inquires to be added to my consumer report nor did apply for any car loans or receive goods or services from the companies which the inquires originated from nor did I apply to receive goods or services from these companies. Due to the fact this was not me I demand these inquires be removed immediately thankyou

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Greetings, On Wednesday, XX/XX/XXXX of XXXX, having low experience with banking transactions, I mistakenly did an ACH transfer to account number XXXX, routing number XXXX, and the name of the account was XXXX XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX. 
This was done during the closing of an FHA streamline refinancing, and the wire instructions were given by XXXX XXXX XXXX for the amount of {$2500.00}, as confirmed by the closing attorney. 

The next day, XXXX XXXX XXXX told me that, though the funds are out of my bank account, they were not received because ACH transfers are automatically rejected and that the funds would return to my account within 1-3 business days. 
In an attempt to accelerate the process, since I did not have an extra {$2500.00} to wire, on XX/XX/XXXX at XXXX, I call PNC XXXX XXXX ). I gave the trace number of the ACH transfer, which was provided to me by BXXXX XXXX XXXX -my bank-. The trace number is XXXX. 
The PNC associate tells me that she will be able to help with that. After verifying account and routing numbers, as well as amount and name of the account, the associate asks me to verify XXXX XXXX XXXX  recent transactions. Being unable to do that, I tell her thatll have someone from that company call them back. Powerless, I called and emailed every person I could at XXXX XXXX XXXX so they could make this rejection and return of funds faster. 

The next day XXXX, the Vice President of XXXX XXXX XXXX, XXXX XXXX, tells me that ACH transfers are automatically rejected and that it takes 3-5 business days for the funds to be back on my bank account. 
Today is XX/XX/XXXX, and my account has still not been refunded! We are on business day number 7. What is going on? My complaint is this : it takes 5 minutes for PNC to debit my account, but over a week to return my money?? I need them to realize that lives are at stakes, physical and XXXX XXXX states are affected. The process of returning peoples funds needs to be incredibly quicker! Please return my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been trying to set up my alert for my credit card ending in XXXX. Every time I try, I get an error message : " Well, that didn't go as planned. Please try again. If this is your second try, go ahead and message us or call XXXX ''. After trying for the past two weeks, I called customer servicing, where the representative was rude and unprofessional, so I asked for assistance from a supervisor ; that supervisor ( XXXX ) also rude and kept cutting me off. She told me that no one at the bank would be able to set up my alerts and that only customers would be able to do it, which I found very stupid. Then she placed me on hold to figure out what the issue was and told me that my email was not correctly set up in the system and asked me to log back into my account and try to set up my alerts again, which I did and I received the same error message, and then she said, " Ma'am, you need to log off completely from your account when i told her that I did and that I had just logged back in in to my account XXXX seconds ago, she cut me off and placed me on hold for a long time forcing me to disconnect the call after XXXX min on the phone for a simple request. After I disconnected the call, my phone rang once and then disconnected, so someone made a call and let that ring once so they could say someone called me back, and I didn't answer it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: TX

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 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 2024-10-03 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 noticed this account on my credit report is fraudulent and is hurting my ability to obtain credit.

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 2024-10-03 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: CA

Complaint narrative:
I noticed this account on my credit report is fraudulent and is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
I noticed this account on my credit report is fraudulent and is hurting my ability to obtain credit.

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 2024-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
I have not nor have I ever applied to work with these companies. Please remove ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
My account was closed as a charge off account without any notice. My account was closed with a pending direct deposit and a positive balance. Once I learned the account was overdrawn from service fees that ( we should not have even been getting because we opted out of paper statements ) I added money to the account to cover that balance and they still closed our account. When I called to find out why they stated they were unsure of why it would be closed to go talk to local branch manager. I done that and asked to reopen the account as there was a direct deposit sitting and a positive balance and they said they would not do that. Now I have to wait A week for the direct deposit to be sent back to my employer and reissued so I can get paid. This is completely unacceptable. This is with Southstate bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
No action taken by company and customer service for Transunion is farmed out to XXXX XXXX XXXX 1. I keep getting notices to see my dispute results, however, I can't get into my own account because a freeze is on my account I did not place. 
2. A XXXX in customer service said to use a different browser. I used XXXX and XXXX but same problem. 
3. I discovered from my financial institute fictitious creditors have reported on my Transunion account. 
4. Transunion has refused to remove the freeze after contacting them multiple times saying they can not remove it because of policy 5. XXXX XXXX XXXX XXXX XXXX and the inaccurate information is negatively affecting me from obtaining housing

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
I was checking my credit report and I saw an inquire I did not recognize 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 non-monetary relief
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation