vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a checking account with US Bank where I have maintained a balance of {$25.00} for the last few years. Under the terms of the account, the monthly account maintenance fee of {$14.00} is waived. 

Starting XX/XX/year>, a service charge of {$5.00} was applied each month until I noticed it in late XXXX 2024. I was charged a total of {$20.00} over the 4 months. When I called to enquire about this charge, I was told that my account was dormant, and the $ XXXX was the charge for a dormant account. I asked them to reactivate my account, which they did, thus avoiding further charges. However, they said they could not reimburse me for the {$20.00} already charged, even though I had not received any advance notification for my account being deactivated, nor about the corresponding service charge. 

My complaint is that I was not informed in advance about this dormant service charge, so I should be reimbursed the {$20.00} that was taken from my account. 

Possibly they do this with many other customers, netting then a significant amount in junk fees.

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 2024-11-27 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: TX

Complaint narrative:
I recently discovered a hard inquiry on my credit report made by XXXX XXXX, which I do not recognize and never authorized. I disputed this unauthorized inquiry through Equifax via XXXX XXXX but am dissatisfied with the resolution provided. This hard inquiry, which I did not request, has negatively impacted my credit score, reducing it by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a collection on my Transunion report from XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX bill in the amount of {$430.00}. It says it is for an XXXX XXXX XXXX account. I already disputed this account with Transunion, and they told me that the account was verified as accurate. This is not my account. 

This account is a fraudulent account. I do not have a XXXX XXXX account that is in my name. I am a victim of identity theft. Please remove this account immediately from all 3 of credit bureau reports : XXXX, XXXX, and Transunion.

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 2024-11-27 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
Hi, my name is XXXX XXXX, and I am reaching out to request an update regarding the late payment remarks on my consumer report. I have never been late with my payments, yet there is a reported late payment on my file. This situation has caused me significant stress as it is negatively impacting both my credit report and my life.

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 2024-11-27 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:
Hi, my name is XXXX XXXX, and I am reaching out to request an update regarding the late payment remarks on my consumer report. I have never been late with my payments, yet there is a reported late payment on my file. This situation has caused me significant stress as it is negatively impacting both my credit report and my life.

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 2024-11-27 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: NJ

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, authorized a dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I discovered several inaccuracies and violations on my credit report, which I am now addressing with the relevant parties. 

Here are the key issues I identified : Willful Noncompliance ( 15 USC 1681n, FCRA Section 616 ) : Credit information about me was accepted without verification, which is a willful violation of the law. This could result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( 15 USC 1681a ( d ) ( 2 ) ( A ), FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of sharing personal information was not disclosed to me, which violates my consumer rights under the FCRA.

Furnishing Inaccurate Information ( 15 USC 1681s-2, FCRA Section 623 ( a ) ( 3 ) ) : Several accounts and inquiries were reported inaccurately and without proper validation, violating the principles of accuracy and fairness in credit reporting.

Debt Collection Violations ( Fair Debt Collection Practices Act, 15 USC 1692 ) : Debt collectors reported inaccurate debts and contacted third parties about them without my consent, causing unnecessary harassment and distress.

Inaccurate Reporting of Late Payments ( 15 USC 1681c ( a ), Timely Payment Regulations ) : Late payments were reported without a clear definition of what constitutes " late, '' leading to misleading and inaccurate information.

Failure to Accurately Determine Finance Charges ( FCRA, 15 USC 1681e ( b ) ) : The credit reporting agency failed to accurately calculate finance charges, which is their responsibility.

Unauthorized Hard Inquiries ( 15 USC 1681b - Permissible Purposes ) : Several unauthorized hard inquiries were made on my credit report, violating the FCRAs provisions on permissible purposes for accessing consumer reports.

As a result, I have requested immediate action to correct these violations, including the deletion or updating of inaccurate accounts and hard inquiries, as well as compliance with the FCRAs requirements for consumer rights and dispute procedures. I have demanded that all inaccurate information be removed from my credit report, and I expect a prompt response. If the issue is not resolved, I will pursue legal remedies available 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 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
I have contacted the company multiple times and tried work out a payment plan, unfortunately their payment plan that they are offering is {$160.00} a every 2 weeks for 9 months straight which is more than i can afford. I am not able to make any payments and is greatly affecting me financially. I have called and emailed but have not come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
I am submitting a formal complaint regarding fraudulent accounts and transactions that have appeared on my credit report. I have been a victim of identity theft, and despite my efforts to secure my personal information and protect my credit, these unauthorized accounts and transactions continue to harm my financial standing. 
To mitigate further damage, I have placed the following fraud alert on my credit reports : " ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. '' Despite this alert and multiple disputes, it appears that fraudulent applications and accounts have been opened in my name, which is deeply concerning and frustrating. These unauthorized entries are negatively impacting my credit score and affecting my ability to access financial opportunities. I have taken appropriate steps by filing a report with the Federal Trade Commission ( FTC ) and notifying the relevant financial institutions, yet these fraudulent accounts remain on 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 2024-11-27 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: AZ

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 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 2024-11-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the Citi bank checking account on XXXX and set up my online banking on XX/XX/XXXX because the bank has a promotion as {$320.00} for {$4000.00} direct deposit as a new account. I used the account to receive my Rental income of our house ( owned by me and my husband ). The {$3000.00} money was deposited to my Citi account on XXXX. I spent couple hours on XXXX to set up the zelle payment and ACH transfers but the poor Citi bank system always has issues. I called Citi bank to set up the account but failed. Citi Bank then sent me an email on XXXX and noticed me that my account will be closed in 60 days but didn't give me any reason. Then I can not access the account. I called Citi bank several times between XXXX and the customer service person always give me different answers. I requested to receive the {$3000.00} money in my account but failed and they told me that I only can get the money after 60 days or I can go to a Citi bank branch for a check. I went to Citi bank branch on XX/XX/XXXX by driving almost XXXX hours roundtrip, the teller in the branch told me the money has been returned and only {$25.00} dollars in my account. I requested the transaction ID or the statement but they refused. I contacted my property management company checking the return payment but they confirmed there is no return for the money. I have couple request to Citi Bank : 1. Return my {$3000.00} deposit to me immediately. 2. Honnor the new account direct deposit bonus as {$320.00} 3. Apologize for no communication of closing account and extra difficulty caused to me for seeking back the money. We really need the money to pay our bills and I have paid many late fee and interests because the suddenly lose the access to my moneys in Citi bank.

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 2024-11-27 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-11-27 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: VA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been added to my credit file. As such, I request that the following accounts and inquiries be blocked and deleted from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$48.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$23000.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief