vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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:
XXXX formerly XXXX who I appreciate for giving me a auto loan is continuing to report my loan incorrectly. 

I understand that I didnt have perfect payment history and struggled towards the end but XXXX  billing wasnt 100 % perfect themself with problems with the ACH autopayments that I didnt set up and I wasnt getting alerts or notification that would explain that even though I made payment on time there was another system or platform ( XXXX  ) managing my loan so while I was using XXXX app to monitor my payments the other system ( XXXX  app ) was using ACH autopay caused a return payment on these ACH. XXXX  app showed no autopay or alerts of return payment while XXXX app had it own system processing auto ACH that I didnt realize or wasnt alerted. I got charges a return payment fees even months I paid on time. I asked XXXX to please not report my account in a negative way because the fact is I did pay off the loan early extra fees and all which means that Im not late on payments if the loan was paid early. XXXX has no reason to report anything negative as the account was paid in full. I repeat. The account was paid in full early. 

False information is the documentation of the last payment that shows the account was paid closed followed by 60 days past due. I respect if XXXX feels the need to report the negative but they need to highlight and document my file accurately and fair. This is causing harm. The slight unnoticed remarks and missing information is what causing this to read as unsettled incomplete or negative. The missing information is 1. Last monthly payment. 2. Paid in full 3. Correct order of events with the last transaction and file payment paid in full. Period Thats it. No remarks after closed. What ever you put before is on XXXX but please be honest with the final payment.

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 2024-12-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had filed a CFPB complaint # XXXX in the past. At the time when i was talking to US Bank - i told them to close the account. I have no idea why they didn't close it. Now it seems they have charged some {$30.00} fees. 
Account number ending in XXXX Routing number XXXX Please reverse that fees and close the account

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 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment appearing on my XXXX XXXX credit card account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXXXXXX  I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your understanding and prompt action to my request.

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 2024-12-15 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment appearing on my XXXX XXXX credit card account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXX I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your understanding and prompt action to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
First, this report may be miscategorized because the options available to select don't contain the issue I'm reporting. My issue is with Equifax 's The Work Number and the Employment Data Report that they may or may not have on file for me. I was unable to create an account and determine what information was contained in my file. It seems like they have an alternative process for requesting via email or regular mail that involves downloading and filling out a long form, but in XXXX, this just seems unreasonable. I find it hard to believe that they can't just allow a consumer to create an account easily and show them their Employment Data Report as they do every day with credit reports. So, that's my complaint. Equifax is making it unreasonably difficult to access Employment Data Reports through their The Work Number site at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint against Equifax and XXXX for reporting inaccurate public records information on my credit report. Specifically, both agencies are reporting a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ), which is damaging my credit reputation and score. 

Details of the Inaccuracy : Bankruptcy was dismissed on XX/XX/year>, providing no financial relief or court-declared insolvency. 
Bankruptcy courts do not report directly to credit reporting agencies, which calls into question the accuracy and source of this information. 
Despite my previous dispute, the CRAs claimed the information was verified but failed to provide documentation supporting its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation. 
Harm Caused : The inaccurate reporting of this dismissed bankruptcy has significantly harmed my credit profile and financial reputation. 
I have been denied access to credit and have suffered emotional distress as a result of this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am filing a complaint against XXXX and XXXX for reporting inaccurate public records information on my credit report. Specifically, both agencies are reporting a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ), which is damaging my credit reputation and score. 

Details of the Inaccuracy : Bankruptcy was dismissed on XX/XX/year>, providing no financial relief or court-declared insolvency. 
Bankruptcy courts do not report directly to credit reporting agencies, which calls into question the accuracy and source of this information. 
Despite my previous dispute, the CRAs claimed the information was verified but failed to provide documentation supporting its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation. 
Harm Caused : The inaccurate reporting of this dismissed bankruptcy has significantly harmed my credit profile and financial reputation. 
I have been denied access to credit and have suffered emotional distress as a result of this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2024-12-15 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: Experian Information Solutions Inc.
State: NY

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year> and XX/XX/year> a customer of XXXX XXXX XXXX which is I own received payments from a client who I had a signed contact from the client that he would pay for the consulting services. The bill was {$4000.00} but he was to make in payments. It turn out that XXXX XXXX XXXX could not help him with any financial assistance because he had fraud documents. 

The client ended up calling XXXXhis bank and disputed the 2 times he sent monies to my account. No I did not have to refund him. 

However instead of WELLS FARGO protecting me and my account they closed down my accounts ( BUSINESS and PERSONAL ). Its like they penalized me for him being fraud. The zelle was connected to my business account. 

I need understanding as to why my accounts got closed down. It should had been his accounts. 

Thank You 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 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-12-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
This is referencing account # XXXX. I have disputed the account multiple times, provided my police report, and identity theft report. They still attempt to report the debt as valid. I have asked them to send me the renewal lease agreement and debt validation. They sent me the original contract agreement which I paid in full prior to the debt being sent to collections. I received a debt validation letter via email on XX/XX/year>. They didnt inform me of my right to dispute the information or provide me with a renewal agreement that has my wet or electronic signature. The amounts listed on the statements theyve sent me doesnt coincide with the monthly rental amount listed on the original contract. ( I never agreed to renew the lease and there isnt an amendment in the lease stating that it would be automatically renewed. ) The original creditor ( XXXX XXXX ) was notorious for adding amounts to tenants bills when they shouldnt have. Check this article ( XXXX XXXX XXXXXXXX ). This is a fraudulent account and it needs to be removed from all tenant histories and credit reporting agencies. Ive been dealing with this for 6 years and they have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts were not opened by me. I am a victim of identity theft. I have filed a complaint on these accounts.

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 2024-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was billed for {$6500.00} airfare. I provided proof to Capital One about a flight I was already home when this booking took place. I told them i never purchased this and that their zero fault policy should grant my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Credit Corporation
State: TN

Complaint narrative:
I have disputed the debt owed in the current amount of {$1600.00} on XXXX XXXX XXXXXXXXXX/XX/XXXX, and XX/XX/XXXX, requesting the original creditor invoice and agreement to no avail.

Company response to consumer: Closed with explanation