vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: GA

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. 

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX 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 XXXX 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone tried to apply for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute those inquiries from my report. Please remove following inquiries from my credit report. 
XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> 2024

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 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX To Whom It May Concern : Subject : Unauthorized Sharing of Information and UCC Violation in regards to two finding on my credit report for the amounts of {$1400.00} ( XXXX XXXX XXXX ) and {$1100.00} ( XXXX XXXX XXXX XXXX XXXX ) This letter serves as formal notice regarding the unauthorized disclosure and handling of my personal information. Sharing my information with consumer reporting agencies without my explicit consent constitutes an infringement on my rights under the Privacy Act of 1974, Section 3-202. 

I have never conducted business with nor entered into any contractual agreement with LVNV FUNDING LLC. Consequently, any claim against me by this entity is without merit. Furthermore, transferring a security or obligation does not confer rights to the transferee that supersede those of the original creditor. Under Uniform Commercial Code ( UCC ) Section 3-203, the rights of enforcement are limited to the transferor and do not extend to third parties unless certain legal conditions are met : Instrument Transfer : According to UCC 3-203 ( a ), an instrument is considered transferred only when it is delivered by a party other than its issuer for enforcement purposes.

Transferee Rights : Per UCC 3-203 ( b ), the transferee acquires only the rights held by the transferor and can not attain holder-in-due-course status if fraud or illegality is involved. 

Endorsement Requirements : UCC 3-203 ( c ) specifies that a transferee must have a specifically enforceable right to the transferor 's endorsement, and negotiation is incomplete without such endorsement. 

Partial Transfers : UCC 3-203 ( d ) states that a transferee of less than the entire instrument has no enforceable rights under the UCC and holds only partial assignment rights. 

Based on the aforementioned statutes, LVNV FUNDING LLC has no legal standing to pursue or report any obligations tied to my name. I demand the immediate removal of any information related to this matter from my credit file and confirmation of this action in writing within 15 days. 

Failure to comply with this request will compel me to file complaints with the Federal Trade Commission ( FTC ) and other relevant authorities. Additionally, I reserve the right to pursue legal action for any damages arising from the unauthorized use of my information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX RE : Notice of Violation of the Card Holder Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, 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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB and XXXX, I am writing to formally lodge a complaint against Wells Fargo Bank for their repeated failure to process my automatic payments, which has resulted in unjust interest charges of {$43.00} on XXXX separate occasions over the past XXXX months. 

Despite having set up automatic payments well in advance, the bank failed to deduct the payments on time, leading to these charges. I believe this is not merely a technical error but a deliberate tactic designed to exploit customers for financial gain. 

I have contacted Wells Fargo more than XXXX times regarding this issue and have submitted XXXX formal complaints directly to the bank. However, they have failed to resolve the problem, and the interest charges have not been refunded to date. 

This situation demonstrates a lack of accountability and a breach of trust on the part of Wells Fargo. Their actionsor inactionsnot only violate the principles of fair banking practices but also cause unnecessary financial stress to customers. 

I request the following actions : XXXX. A full refund of the XXXX {$43.00} interest charges. 


XXXX. A thorough investigation into Wells Fargo 's automatic payment system to prevent similar issues for other customers. 



Please assist in ensuring that Wells Fargo is held accountable for their practices and that customers like me are treated fairly and respectfully. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-01-04 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 found errors in my personal information on my report that need correction. The report shows an incorrect name, addresses date of birth that do not match my records. This could lead to confusion or impact my credit or other evaluations. I have attached documents to verify my correct information, including my ID and proof of address, to help resolve the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
XX/XX/XXXX Submitted my XXXX that should update my count to XXXX for XXXX  XX/XX/XXXX Submitted XXXX Forgiveness reconsideration request ( XXXX ) for forgiveness XX/XX/XXXX Submitted XXXX  forgiveness reconsideration request ( XXXX ) for buyback with correct wording only XX/XX/XXXX Submitted XXXX  forgiveness reconsideration request ( XXXX ) for buyback with correct wording and dates XX/XX/XXXX Request denied ( XXXX ) because payment counts were not updated through XXXX XXXX Request denied ( XXXX ) because of administrative forbearance, no buyback offered XX/XX/XXXX Filed XXXX Plan request. Is currently " In review '' since submission date XX/XX/XXXX Filed complaint with Federal Student Aid ( XXXX ) XX/XX/XXXX Counts updated XX/XX/XXXX Filed XXXX  forgiveness request after counts were updated to XXXX ( With XXXX, XXXX, XXXX all in administrative forbearance ) ( XXXX ) XX/XX/XXXX Complaint ( XXXX ) Closed with mention of buyback requests and consideration to move to different plan to get out of the XXXX forbearance. No true resolution for complaint submission as I was complaining about my unresolved buyback request XXXX Spoke to live representative asking for the status of buyback request. Agent says they have no way to check status or even if it is still even pending So now I still have XXXX. I have no way to know the status of the forgiveness request that was made on XX/XX/XXXX or XX/XX/XXXX and I have not received any forgiveness letter or buyback request.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX  XXXX XXXX Account XXXX, please investigate and provide proof with statements showings that payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
Since XX/XX/XXXX, I have been attempting to correct a critical error on my credit report with Experian without success. My credit history began in XX/XX/XXXX with an ITIN ending in XXXX, but my report has been mixed with that of another person who has a Social Security Number ( SSN ) ending in XXXX, with no relation to me. This SSN is associated with accounts and activities dating back many years, while my history is recent and limited to two accounts : one from XXXX XXXX as an authorized user and another from XXXX XXXX. 

On XX/XX/XXXX, the CFPB closed complaint number XXXX without resolving the issue because Experian did not correct the information nor provide evidence of the verifications they supposedly conducted. Despite presenting clear evidence of the discrepancy, the incorrect information still appears on my report. 

I submitted several detailed letters : XX/XX/XXXX : I requested the correction of personal and account information. 
XX/XX/XXXX : I included detailed corrections of my data, valid accounts, and proof of discrepancies. 
It is unacceptable that Experian has not corrected such an obvious error. My ITIN, issued in XX/XX/XXXX, has no connection to the reported SSN, nor do they even share the same last four digits. Additionally, XXXX, which has always managed my information correctly, does not present 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 explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. 
Please send me an updated copy of my credit report after your reinvestigation. 
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 2025-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
3 years ago Lexington law claim that they can help fix my credit. They took {$100.00} deposit and every month they was charging me {$100.00} but my credit never got fully repaired or fixed and it went on for about a good couple months and I asked for proof that of what they were doing I never received it. I asked them to cancel as far as I know they never canceled so I had to put a block on my account and then I change my account as far as my bank information so they can stop withdraw money from me and I did this also to my fianc, XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My son and I applied for a home loan with US Bank. We received pre-approval. There was a problem with the mobile home on the property. I paid a {$390.00} application fee and the very next day I was informed that the loan was denied because there was no comparable property. I received nothing in writing about the denial. I did receive a letter a week later saying I was denied pre-approval because I did not have enough revolving credit. I have only a couple purchases in the last three years but my credit score is XXXX. I believe they rushed the application fee and already knew that the loan would be denied. I was told by other loan officers that fees are collected at closing and only paid if third parties are to be paid which there are none.

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 2025-01-04 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:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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