vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-06 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: OH

Complaint narrative:
On XX/XX/year> a debt collector hunter warfield inc. opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: CA

Complaint narrative:
Dear CFPB : I am in disagreement with the closure of the claims I submitted against Transunion, XXXX and XXXX regarding XXXX very inaccurate outdated accounts under my social security number and credit report. I mailed nearly XXXX letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these XXXX credit bureaus. I would like to exercise 15 U.S. Code 1681i ( XXXX ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA U.S. Code 1681 ( e ) b Accuracy of report. This account has the date of last payment listed under XXXX different years ( XXXX and XXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXXXXXX XXXX - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This company can not provide proof of such late payments. How are there XXXX late payments under XXXX, XXXX late payments under XXXX and XXXX late payments under Transunion? This is entirely inaccurate, unfair and unverified and violates 1666b which is a clear error in the timing of payments. 

XXXX XXXX - This account violates the XXXX XXXX or would if the credit bureaus could even retrieve validation of this account that I have requested under 15 USC 1692g. Since XXXX information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of 1681i ( 2 ).

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 2024-07-06 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: CA

Complaint narrative:
Dear CFPB : I am in disagreement with the closure of the claims I submitted against XXXX, Equifax and XXXX regarding three very inaccurate outdated accounts under my social security number and credit report. I mailed nearly 12 letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these three credit bureaus. I would like to exercise 15 U.S. Code 1681i ( 5 ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA U.S. Code 1681 ( e ) b Accuracy of report. This account has the date of last payment listed under two different years ( XXXXXXXX XXXX XXXXXXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXXXXXX XXXX  - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This company can not provide proof of such late payments. How are there 6 late payments under Equifax, 5 late payments under XXXX and 7 late payments under XXXX? This is entirely inaccurate, unfair and unverified and violates 1666b which is a clear error in the timing of payments.

Ability Recovery - This account violates the HIPPA law or would if the credit bureaus could even retrieve validation of this account that I have requested under 15 USC 1692g. Since medical information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of 1681i ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today I was working with my bank ( XXXX  ) to see if I qualified for a personal loan. The bank manager called and said they needed me to unfreeze my credit report with the three credit bureau 's so that they could pull my credit. When I went to Experian 's website to log into my account it kept saying my information was incorrect and I knew I was typing it in correctly. After a few times I clicked on the option " try another way '' and when I put in my social security number and birthdate another screen popped up and said " we have sent your username to the following email address XXXX. '' I instantly realized that isn't my email address so I called the customer service number to report the fraud. The depth of the fraud didn't hit me all at once. After being on hold XXXX various times for over 25 minutes and being hung up on the only help I received was that an escalated investigation was going start and to look for an email from Experian. I asked when " near future '' would be because this was highly concerning. They said since I couldn't provide the correct information I couldn't do anything with my own account. I just don't understand ... since XX/XX/year> I have been experiencing fraud on many of my accounts. I have received various letters that the persons involved with stealing my identity and trying to apply and open credit cards, loans, checking accounts at my local bank, and now getting into my credit reporting company to try to steal my identity. I have been trying to resolve this issue by freezing my credit report with all 3 credit bureaus and they still were able to access my information. The phone number that they changed my information to with Experian is the same phone number that was used to fill out an application online at my local bank ( XXXX  ) back in XX/XX/year>. The phone number is ( XXXX ) XXXX. I have tried calling it numerous times and it is a nonworking number. 

SOMETHING NEEDS TO BE DONE TO THESE CRIMINALS THAT ARE STEALING MY IDENTITY! THEY HAVE CREATED HAVOC IN MY LIFE!

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 2024-07-06 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:
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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
Consumer complaint received 2024-07-06 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: FL

Complaint narrative:
This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( s ). The credit card company ( XXXX XXXX  ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.

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 2024-07-06 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: FL

Complaint narrative:
This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( XXXX ). The credit card company ( XXXX XXXX ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( s ). The credit card company ( XXXX XXXX ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.

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 2024-07-06 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: FL

Complaint narrative:
My account with XXXX  XXXX 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 in 30DAYS 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I ordered some XXXX XXXX  as gifts for family and when I got home they were not there even though they were delivered according to XXXX. I Tried contacting XXXX with no luck so I dispute with Wells Fargo and a couple weeks later and told the claim is denied. 

This put me down XXXX and still no luck getting the XXXXXXXX replaced or refunded. No luck getting any help from Either company.

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 2024-07-06 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: GA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2024-07-06 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:
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. 

Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XXXX of XXXX  my pnc secured credit card was closed and I was sent a check for my remaining balance. Since then this credit card has been reporting inaccuracies on my credit report. On XXXX  it is reported that the last report date was XX/XX/XXXX and that I missed the XXXX payment but that my account status is paid. However on XXXX its reporting the last reporting date as XX/XX/XXXX and that my last payment was XX/XX/year>, but also that I missed XXXX payment and shows no other payment history at all.

Company response to consumer: Closed with explanation