vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: OH

Complaint narrative:
I am writing to formally request the immediate removal of the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> These inquiries were not initiated or authorized by me, and their presence on my credit report is damaging to my credit score and overall financial well-being. I have previously contacted your agency regarding this matter, and despite your responses stating that the inquiries will remain, I must insist on their removal based on my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S. Code 1681b, it is required that inquiries must have a permissible purpose and must be authorized by the consumer. Since I did not authorize these inquiries, they lack permissible purpose and should be removed from my credit report immediately. Moreover, according to 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or incomplete information, and credit reporting agencies are obligated to correct or delete such information after conducting a reasonable investigation. 

I request that TransUnion conduct a thorough investigation into these unauthorized inquiries. If you find that these inquiries were indeed unauthorized, I demand that they be removed from my credit report without further delay. Please provide me with written confirmation once the inquiries have been deleted. 

Enclosed are copies of my credit report highlighting the unauthorized inquiries and a copy of my identification for verification purposes. 

Your company 's failure to remove these unauthorized inquiries promptly left me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and considering legal action to enforce my rights under the FCRA.

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 2024-06-26 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> Truist called me to verify if charges on my credit card were mine because they were reporting as suspicious. They were not my charges nor did I authorize the charges. 

There are 3 charges : 1. for {$0.00} - this was removed 2. for XXXXXXXX XXXX XXXX  XXXX not removed 3. for XXXXXXXX XXXX XXXX- not removed I have no other balances on the card at this time. I paid interest the first 90 days of this while I was waiting for response from the bank but never received it. Now, Interest and late chargers are accrewing. I have called the bank multiple times to have this issue resolved with no resolution as of XX/XX/year>. The case number with the bank fraud department is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: MS

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 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: TX

Complaint narrative:
I am a victim of identity theft, and I believe this account was fraudulently opened in my name. Please remove from my 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 2024-06-26 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 am a victim of identity theft, and I believe this account was fraudulently opened in my name. Please remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a credit card from Capital One. The application was approved on XX/XX/year>. I've contacted Capital One customer service nine times since then to determine the status of the application and why I have not received a card. The agents could only say the processing was delayed by the back office and they were waiting to hear back from them. It has now been over two months since the application was approved. 

XXXX XXXX Dates I spoke with Capital One customer service : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I am not responsible for this debt that's listed on my credit report. Diversified Adjustment place this on my credit report with giving a noti e to dispute which is a Volation of my consumer rights. This account shall he removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
My account with DEPT OF EDUCATIONXXXX 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 in to be removed.

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. 


DEPT OF EDUCATIONXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: MD

Complaint narrative:
In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days CO Charge off Payment history guide Charge Off as of XXXX XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your credit limit/high balance was {$700.00} Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX Your statement Comment Current : Purchased by another lender. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this matter. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek appropriate redress. Your quick response to this urgent situation is greatly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
Reporting of these accounts listed below on my consumer report without my consent. These are in violation of U.S.C Code 6801 Protection of non public information and U.S.C Codes 1681b and U.S.C Code 1666b illegal reporting of lates Permissible purposes of consumer and reporting time to make payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a credit card with Citi Bank that I opened in XXXX of XXXX. I have been using this card, and paying on it regularly. I recently called to open a checking account. Through the process, they were unable to locate any accounts with them using my social security number. Through other verification methods, they were able to locate my credit card account. I was transferred to the credit card department to see why my ssn was not pulling that account. They confirmed, my ssn was not info that would verify this, and transferred me to the fraud department. They also confirmed this. I was advised that there was a ssn attached but was not what I provided. I asked if it appeared that there was a typo, or off by a digit. The rep advised no, that the ssn was completely different, and no way could be a typo. Now I have to go through a process to verify my identity with them. The concern is that somehow, someone elses ssn is on my credit card. As I began to ask questions as to how this could happen, they basically shut down, and told me I need to complete the identity verification. This needs to be officially investigated to determine how this happened, the misuse of sensitive information, how many other accounts are affected, and appropriate penalties and consumer disclosure of this breach has occurred.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On approximatelyXX/XX/2024, my purse was stolen from my car in XXXX MN. The criminal went to a XXXX XXXX and charged {$510.00} on my visa debit Wells Fargo card. I immediately called the police and they filed a report. I called my Wells Fargo and reported my card stolen. The card was deactivated and I opened up a fraud claim and they gave me 'provisional credit ' in the amount of XXXX. 
I thought this had been all taken care of and I would get my XXXX back but about a month later in early XXXX I got a letter from Wells Fargo saying that they had completed their research and found that this was an authorized transaction and no error occured. The letter said that they were going to deduct then 'provisional credit ' from my account and that my claim was closed. 
I immediately called the claims department ( XXXX ) and pleaded with them to reconsider, as I was a victim of theft and had a police report to prove it. 
When I call them, I get no information on how my reopened claim is doing. They are very secretive about it, and I am very discouraged as Wells Fargo has a history of corruption in how they have treated their customers unethically such as the fake accounts scandal a few years ago. Please help me, I am not a wealthy person and XXXX is a lot of money for me. I don't know why WF is stalling, as they make billions every year and this is just pennies ( {$510.00} ) to them. I don't know what else to do. I have faxed them the police report. If you can do anything to help my case, I appreciate it. Thank you

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 2024-06-26 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 account with XXXX XXXX XXXX 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 in to be removed.

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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 2024-06-26 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:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX has violated my rights. 
Ive looked at my Experian credit report on XXXX XXXX and notice somethings that are incomplete and are 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 the 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 supposed to this ( 5 ) treatment of inaccurate or unverifiable info. 
( A ) in general if after any reinvestigation under paragraph ( 1 ) of any dispute by the consumer, an item of the information is found to be incomplete or inaccurate or can not be verified the consumer agency shall ( 1 ) promptly delete the items from the file consumer or modify the information on file ( 1 ) promptly notify the furnisher of the information that information has modified or deleted the file of the consumer. 
And according to 15USC 1681s-2 they are supposed to not furnish Any information relating to a 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 2024-06-26 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: TX

Complaint narrative:
My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If this matter isn't properly resolved, I'm prepared to take legal measures to protect my rights. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.

Company response to consumer: Closed with non-monetary relief