vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: DC

Complaint narrative:
XXXX XXXX, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between XXXX, XXXX and TransUnion are all different and inaccurate. Please remove from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: DC

Complaint narrative:
XXXX XXXX, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between Equifax, XXXX and XXXX are all different and inaccurate. Please remove from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I didn't sign up for a credit card with this company but they somehow got my info and signed me up anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report.

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report.

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.

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 2023-11-15 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:
Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been 30 nor 60 nor 90 days late or late at all all the following accounts.

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS : XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX SHOWS NO DATA YET PICKS UP WITH LATE PAYS IN XX/XX/XXXX XXXX XXXX 30 DAYS XXXX XXXX  30 DAYS XXXX XXXX 30 DAYS XX/XX/XXXX SHOWS NO DATA YET PICKS UP WITH LATE PAYS IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SHOWS NO DATA BUT CARD WAS OPEN AND IN GOOD STANDING 2. XXXX XXXX POTENTIALLY NEGATIVE DISPUTE LATE PAYS Account Name XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$51.00} Balance Updated XX/XX/XXXX Recent Payment {$74.00} as of XX/XX/XXXX Monthly Payment {$0.00} XXXX XXXX {$500.00} Highest Balance {$1500.00} XXXX XXXX  30 DAYS 3. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX 30 DAYS XXXX XXXX  30 DAYS XXXX XXXX  30 DAYS XXXX XXXX 30 DAYS 4. XXXX XXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} XXXX XXXX 30 DAYS XXXX XXXX 30 DAYS XXXX XXXX 30 DAYS XXXX XXXX 60 DAYS XXXX XXXX 60 DAYS XXXX XXXX 60 DAYS

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been XXXX nor XXXX nor XXXX days late or late at all all the following accounts. 

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} 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 2023-11-15 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:
Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been 30 nor 60 nor 90 days late or late at all all the following accounts. 

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Open. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} 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 2023-11-15 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-15 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Regarding this matter, this letter will be sent to the headquarter of Bank of America. 

Dear sir, Today, I have received an email notice from your company to check the letter at your company website regarding XXXX XXXX Acupuncture. And I found out, on the first pages of each letter, the claim ID was my credit card ending number XXXX. And XXXX of letters do not have the claim ID. I would like you to instruct your bank employee to indicate the right claim ID, since I might have many letters near future. 

Sincerely, The following letter was sent to the branch of Bank of America in TX. 

XXXX XXXX XXXX XXXX, TX XXXX Dear sir, Upon the request made on the XXXX bank website, I would like to send the information regarding the charge on the questioned credit card ending XXXX toward XXXX XXXX Acupuncture on XX/XX/XXXX. 

Sincerely,

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 2023-11-15 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I paid PayPal  off the full balance of the account and for three years they have denied receiving the payment and continues to charge interest and fees for three years and report me to the credit unions and I have contacted the Attorney General in Florida and Massachusetts. Ive written into and reported XXXX XXXX for them to finally finish their fraud investigation through XXXX XXXX and I sent the statement showing the cancelled check from XX/XX/. Ive written continued letters, certified letters, faxes, and made phone calls. Ive spent so much money for copies, mailings, faxes. Ive sent the investigation letter proving they received the payment and I had XXXX XXXX contact them by conference call with my daughter and myself. They were told to stop sending me letters, statements etc and stop charging fees and interest and the emails, letters, phone calls are daily and worse? I am XXXX with a XXXX XXXX and XXXX XXXX and this has caused tremendous stress and huge issues with my credit reports. Theyve taken off the payments and put them back on three times. I keep having to send the credit unions envelopes of proof of all dispute material. The Attorney Generals contact gave me the address of the XXXXwo PayPal Managers and theyve been sent certified letters twice. I have all this proof if you would like me to mail. Synchrony Bank was sending All letters and changed it to I need to contact PayPal to find the money that they received?? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA 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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo Business checking and everyday checking account. 
I am travelling out of USA for around XXXX weeks. During this time I tried to send some money using XXXX. Recipient is all setup but Wells Fargo want to send me the access code to my USA registered mobile phone only which i don't have access from outside of usa. 
I called Wells Fargo during the last 60 minutes and talked to customer service and the supervisor XXXX XXXX XXXX -asked them why they don't have the option to send the access code to Wells Fargo mobile app, registered email-id or another phone number ( virtual phone number ). Wells Fargo representative said that it only send at the registered phone number.

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 2023-11-15 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: IL

Complaint narrative:
To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report. 

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.

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 2023-11-15 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: MD

Complaint narrative:
Experian said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living.

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXXXXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file

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 2023-11-15 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: VA

Complaint narrative:
Account : XXXX XXXX acct # : XXXX I am submitting this formal complaint against Equifax due to ongoing inaccuracies in the reporting of an account on my credit file. Despite initiating multiple disputes with Equifax and receiving explicit assurances that the information in this account is " verified '' and accurate, the reporting of inaccuracies still persist. This indicates a failure to conduct a thorough and reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681i - Procedure in Case of Disputed Accuracy ( a ) 5 ( a ) ( i ).

According to the FCRA, if, after any reinvestigation, information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is obligated to promptly delete or modify that item of information based on the results of the reinvestigation. 
The specific discrepancies on my Equifax credit report are as follows : 1. Last Reported Date : Discrepancies exist across all three credit bureaus.

2. Date Last Active : Variances are observed across all three bureaus.

3. Payment History : Discrepancies exist across all three bureaus. Notably, in XX/XX/2021, I was not 30 days late for this account, a fact corroborated by both XXXX and XXXX, both of which reflect my current status for that month. I have attached supporting documentation highlighting these inaccuracies for your review. 

Furthermore, my requests for original documentation, signatures, contracts, and details regarding the verification method for this account have gone unanswered by Equifax. This lack of response exacerbates the adverse impact on my creditworthiness, leading to credit denials and hindering my ability to secure housing for my family. 

Given the evident failure to conduct a thorough investigation, which is a Fair Credit Reporting Act ( FCRA ) violation, I am not requesting a re-investigation. Instead, I am demanding that Equifax promptly deletes/removes the late payment regarding this account from my Equifax credit report, as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.

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 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent accounts in my file ASAP.

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