vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
From about XX/XX/XXXX to mid XXXX there were multiple unauthorized transactions on my debit card from the company XXXX XXXX As soon as I saw these I called to report them. These transactions were both credits and debits to and from my account. I disputed all of these transactions, both the money being deposited in my account and the money being withdrawn. On XX/XX/XXXX my account went negative and when I called to ask why I was told they were removing the money I disputed that was deposited to my account, and that there were XXXX separate disputes. one dispute for the money coming in and one for the money going out, and the one for the money going out was still being processed. However, today I was told that my dispute from the money being withdrawn was denied. I dont understand because Im being told they cant find evidence of fraud but I did not make these transactions. I also dont understand how all these transactions were done by this same XXXX XXXX company but the bank honored my dispute of unauthorized money being deposited into my account by removing those funds, but my dispute of the same account withdrawing funds from my account was denied. If Im disputing all these transactions why did they reverse the money coming in but not the money coming out. All of these transactions are unauthorized and need to be reversed. Wells Fargo is refusing to honor my dispute of money being stolen out my account when I did not do or authorize these transactions. But they have no problem honoring my dispute of the same people depositing money into my account as they reversed those in 2 days. This is very unethical and disappointing. And further I asked that my claim be escalated to no avail and Im not being given any reason for this or why this claim was partially denied I feel they did this intentionally

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 2024-12-24 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: TX

Complaint narrative:
Unrecognized inquiries suddenly appeared on my credit report, and I have no explanation for them. Please take swift action to address 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 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : EVERYTHING IS INCORENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

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 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : EVERYTHING IS INCORENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

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 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
both of the following accts are reporting. this acct was a lease set up fraudulently. i never agreed nor signed agreements for these accts : they sent me copies of contracts and signatures arent even close to mine. they are fraudulent accounts : XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX ** ACCOUNT INFORMATION DISPUTED BY CONSUMER ** ORIGINAL CREDITOR : 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 INFORMATION DISPUTED BY CONSUMER ** ORIGINAL CREDITOR : XXXXXXXX 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 2024-12-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : EVERYTHING IS INCORENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681iXXXX Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

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 2024-12-24 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: OH

Complaint narrative:
I Filed a complaint with CFPB ( complaint # XXXX ) they came back to the CFPB and said everything was recording correctly which is incorrect. I pulled my credit report From Equifax and they are reporting that there was a payment in XX/XX/year> and a payment in XXXX XXXX of {$1300.00} ( see attached credit report from Equifax XXXX there was NO PAYMENT MADE***incorrect reporting *** again how many times dos it take to get them to report items correctly. Also according to the FDCPA that the account must be listed as Disputed Debt, which it is not. I feel in need a lawyer to look over this. It has been reported to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Formally disputing the delinquency reported on my credit report for my account with XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. I have had this account since XX/XX/XXXX, and it is associated with XXXX XXXX XXXX for Raymour & Flanigan. 

**Issue** : I encountered significant difficulties due to a change in payment portal that led to the reported delinquency in or around XX/XX/XXXX : XXXX. **Payment Method Change** : The retailer changed the payment URL from XXXX to XXXX. This transition required the creation of a new username and password, complicating the payment process. 
XXXX. **Setup Difficulties** : I faced challenges in setting up my account on the new platform and was unable to get timely assistance despite multiple attempts. 
XXXX. XXXX*Customer Service Challenges*XXXX : When I tried to reach out for help, I did not receive the necessary support, and my phone calls frequently disconnected. 
XXXX. **Delayed Support** : Despite emailing for assistance, I did not receive any response. I only obtained the dispute address on XX/XX/XXXX. 

Due to these issues, my account fell past due, leading to the delinquency report. Given the circumstances, I believe this delinquency should be reconsidered and removed from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you update this account as all payments made on time and make the necessary corrections to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you update this account as all payments made on time and make the necessary corrections to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capital one credit card is charging me too much interest and fees for being late, even after explaining my financial problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2024-12-24 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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