vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: NY

Complaint narrative:
Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted Equifax, XXXX, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 


Equifax : Unauthorized XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : Unauthorized XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX Unauthorized XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, Experian, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 


XXXX : Unauthorized /Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
{$2000.00} Open balance LVNV FUNDING LLC Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name LVNV FUNDING LLC THIS COMPANY IS NOT THE ORIGINAL CREDITOR AND PLACED A JUDGMENT FOR COLLECTION ON SOCIAL SECURITY INCOME. FURTHER MORE THIS WAS TO BE REMOVED IN XX/XX/XXXX AS MN STATE LAW REQUIRES FOR CREDIT CARD COLLECTIONS. FURTHERMORE THEY ARE COLLECTING INTEREST THROUGH XXXX COUNTY JUDGEMENT ON XXXX XXXX XXXXXXXX ACCOUNT FROM XXXX. OVER XXXX IN COLLECTION COSTS KNOWING FULLY THE INCOME. THEY ARE NOT THE ORIGINAL COLLECTOR NOR ARE THEY REPORTING CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: CA

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. 

DEPT OF ED/XXXX : # XXXX XXXX  XXXX XXXX : # XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  XXXX : # XXXX Has violated my rights. 

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 witout 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 od 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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. 

DEPT OF ED/XXXX  : # XXXX XXXX  XXXX XXXX : # XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  XXXX : # XXXX Has violated my rights. 

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 witout 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 od 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 explanation
Consumer complaint received 2024-07-31 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: PA

Complaint narrative:
I found unauthorized inquiries on my credit report this morning, and I don't know why they're there. While checking my credit report as usual, I discovered discrepancies that appeared out of nowhere. I refreshed my browser to see if it was just a glitch, but the unauthorized inquiries were still there. Because of this, I am asking for a thorough review of the documents I sent to ensure this issue is resolved permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX RE : Last XXXX SS # XXXX To Whom It May Concern, On [ XXXX XXXX ] I disputed an account reported by [ Wells Fargo Card SVC ACCOUNT # XXXX ] in the file you main under my Social Security number. 
I was informed on [ XXXX XXXX ] that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( i, you are required to notife me is the reinsertion in writing within 5 business days.

In accordance with the requirements of the ( 11 ), you are required to notify me of the reus business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized y the consumer for that purpose, by any other means available to the gency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blata t disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-07-31 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: GA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I went to XXXX  XXXX XXXX ATM XXXX on XX/XX/year> and tried to withdraw {$300.00}. I selected 3 {$100.00} bills. The ATM sounded like it was counting the money, the door opened and the screen said to take my money. However, there was no money there. The door closed and the transaction ended. I tried to go inside, but the bank was closed. A lady in a car told me it took her a minute to get her money but still none came out. Then a man came up and told me he didn't get his money either and he called and reported it. I called the phone number on the ATM but it wouldn't allow me to speak to anyone and told me to report the issue to my bank, which I did. The dispute was not in my favor so I asked for a review and submitted a statement explaining the issue. On XX/XX/year> I went back to the XXXX  XXXX XXXX to try to resolve the issue, but once again they told me they couldn't do anything and to resolve the issue through my bank. The review came back not in my favor again. I then went online to dispute the transaction and again was not in my favor. So I requested the evidence they used and was just sent the status of the dispute. Once again I requested the evidence used. I received a transaction history from the atm that said I received the money, not really evidence since the atm malfunctioned, they also sent an atm over short statement saying the atm was over {$1600.00}. That should be evidence in my favor or at least enough to request additional evidence. I called USAA again about the dispute and received a follow up saying the transaction history was all the evidence they needed and didnt care that the atm was over {$1600.00} and that the dispute is closed and will stay that way without further evidence and to contact XXXX  XXXX XXXX . I contacted XXXX  XXXX XXXX again which still told me to contact USAA. I explained to them USAA doesnt care and wont do anything else since XXXX  XXXX XXXX gave USAA a receipt. They said they will try to look into it but didnt have a way to open a dispute since my account was with another bank. Ive been a USAA customer for 17 years Im now looking into other banks, credit unions. Ive come to the conclusion that my money isnt safe with USAA because as long as somebody provides them a receipt, then they are satisfied and their investigation is complete. I cant believe USAA wont look into this issue any further when the little evidence that was provided is in my favor.

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 2024-07-31 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: TN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-31 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: TN

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 2024-07-31 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: TX

Complaint narrative:
My account with XXXX XXXX & XXXX XXXX XXXX XXXX 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 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 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 XXXX 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 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 2024-07-31 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 2024-07-31 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: TX

Complaint narrative:
INCORRECT NAMES - XXXX XXXX, XXXX  XXXX, XXXX XXXX INCORRECT ADDRESS - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX INCORRECT EMPLOYERS - EMPLOYED, SINCE XX/XX/XXXX, XXXX XXXX XXXX EMPLOYED SINCE XX/XX/XXXX EQUIFAX INQUIRIES XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  Equifax XXXX XXXX XX/XX/XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2024-07-31 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: NY

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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