vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: DC

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: DC

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
I have attached the proper information to display the balance with XXXX XXXX is now XXXX. I am requesting that my credit profile is accurately updated to reflect the balance of XXXX. I have made all payments with XXXX and XXXX, who purchased the debt from XXXX XXXX. I have also attached copies of letters they've sent me via mail displaying what they were deducting from my account. This is to verify that XXXX and XXXX stated they are representing XXXX XXXX. I have also attached the billing statement displaying what has been deducted from my account which is the final payment needed to zero out the balance with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NY

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

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

I demand the late payment reported to be removed/updated.

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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: AZ

Complaint narrative:
I am being charge for an account that i did not open or appliied for, Please correct this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX in XXXX XXXX, XXXX a friend and myself were dining at a local XXXX XXXX XXXXXXXX XXXX previous to getting there we were informed by associates working that there would be all you can drink for {$40.00} a person. When we sat down we were reassured that it would be {$40.00} a person to have unlimited drinks. After about an hour and a half we were ready to leave. At this point we had each had XXXX drinks, so XXXX in total. When the server brings over a check for {$300.00} we then try to discus the fact that he is overcharging us he says that its in XXXX  and that when it goes through it will be for the correct amount of {$80.00}. We were hesitant but we were restricted as we had to be back at the XXXX  in under an hour. At the time we thought that was true but when we got back to the states I checked my statements and saw that the amount charged was not the agreed upon amount. I tried to contact my bank and report the charge as fraud as the front had deceived us by straight up lying. Wells Fargo has since denied my claim stating that I need a receipt. They didnt provide one Im sure on purpose, as when I checked their local XXXX reviews they were flooded with people having the same experience. I then tried to reach back out to my bank, and show them all of this proof of other reviews to which they denied the claim again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
Nissan Motor Acceptance Company sent me a bill for {$310.00} for property tax on a XXXX XXXX XXXX which I had leased from them. The lease was satisfied in XX/XX/XXXX and the XXXX XXXX XXXX taken over by XXXX XXXX XXXX. I explained to Nissan that the property tax should not be paid on a car I do not have. When I login it indicates that the lease was satisfied and I now have a new payment plan for a XXXX XXXX XXXX. 

Nissan Motor company told me basically too bad, you need to pay it. I asked them how they could pay the property tax on a car not owned by me, as they can see on their records that I no longer own the car. They have now sent it to a collection agency. 
I checked on Connecticut 's website and they only list the XXXX XXXX Kicks are my responsibility. 
This is not the first time they attempted to XXXX me out of money. My XXXX  stopped working which I was unaware of. They send me a bill for {$1500.00}- they paid the bill late and was charged {$100.00} per toll as a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: PA

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Today, I was deeply frustrated to discover unauthorized inquiries on my credit report, and I have no idea why theyre there. I check my report often, and this time I found discrepancies Ive never seen before. Even after refreshing my browser, the unauthorized entries persisted. I am requesting a detailed review of the documents I sent to prevent any future issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account and unauthorized inquiries on my credit report, as I am a victim of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request the removal of this unauthorized information. 
Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/year>XXXX XXXX Balance : {$160.00} Unauthorized Inquiries : 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 2024-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
False reportimg on late paymenta to all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all reportimg late payments an is false an i would beg for help removing them from XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My report contains inquiries that I did not approve. Kindly delete all unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: PA

Complaint narrative:
I recently submitted a request for an investigation of the noted accounts, which they denied. I submitted substantial information to do a thorough and reasonable investigation. Unfortunately, Experian failed to do so. If Experian investigated properly they would have found the items being disputed are being reporting inaccurately on 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 explanation
Consumer complaint received 2024-10-31 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: LA

Complaint narrative:
Unauthorized hard inquiries are listed on my credit report. Please remove all unapproved entries that are impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
I was a victim of a scam and fraud. The suspect took out a loan in my name worth $ XXXX. Then proceeded to make fraudulent transactions ( XXXX ) {$1000.00} charges, ( XXXX ) {$900.00} charges, and a {$560.00} withdrawal using a cloned debit card. When I discovered the transactions, I called USAA bank to notify them. They immediately returned my money. I used it to pay the loan off and I recouped what was in my account at the time. However, 20 days later, USAA comes back and states there was no fraud and that it was authorized and took their money back leaving me with $ XXXX work of debt to them. I requested an explanation to no avail. The paperwork they sent me didn't explain anything. Just said no further action would be taken. I had filed a police report and even they agree the charges are fraudulent and are still currently investigating, trying to find the suspect or suspects. How was USAA able to come up with this decision? Why was my account not flagged when this happened? They've called me asking if I used my card at a gas station too many times but nothing on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: AL

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.

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 explanation
Consumer complaint received 2024-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over 5 months in XXXXXXXX XXXX XXXX  I submitted CFPB Case : XXXX to Capital One informing them that account XXXX was not in compliance to the FCRA. They sent a response letter saying that they confirmed that this account is reporting accurately contrary to the different dates listed for the date last active and date last reported. I even tried to take this up with the CRA 's in which they responded that they only report what is furnished to them by the creditor. So, my question is, how are you furnishing different information to the CRA 's? In order to verify that this information is accurately reporting, I am requesting specific documentation that establishes the accuracy and legitimacy of the account in question. Please provide : Original Account Agreement, Account History, Charge-Off Statement, Proof of Balance and Itemization, Date of First Delinquency, Chain of Title for Debt Purchases, Policies and Procedures Documentation. These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information must be accurate and verifiable. If you fail to provide this information, this account must be removed immediately. I also have the right to escalate this complaint through legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
On XX/XX/year> I transferred in my XXXX brokerage account to Robinhood. It was for the amount of {$3400.00}. Everything was fine, until I checked my account and noticed my account still had some old information. So I updated my phone number and it seems it triggered an unusual activity alert. I reached out to Robinhood Support instantly! They requested documentation to prove my identity, which Ive provided the same day. Waited 2 days for a response, just to have my account still restricted. Now when I try to contact support, it says Im on an active call with an agent when that is not true! And you cant start a chat because you are already on a call which I am once again not! Ive emailed countless amount of times even sending pics of my id and me holding it with a selfie just so Robinhood knows its me. Please someone help me out I work hard to take care of my XXXX XXXX XXXX  : (

Company response to consumer: Closed with explanation