vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NC

Complaint narrative:
I have been a victim of identity theft. These accounts are not mine

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-11-27 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: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws related to my credit report. These issues include : Inaccurate and Unauthorized Reporting Certain accounts, such as XXXX and XXXX, inaccurately reported late payments during the XXXX period, in violation of 15 USC 1681 S-2 ( a ) ( 1 ) ( F ). These should have been updated to reflect a " never late '' status. 
Multiple unauthorized hard inquiries, including XXXX, XXXX, and PRISTINEAU, were made without my explicit consent, violating 15 USC 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports. 
Failure to Validate or Verify Information Debts and inquiries were reported without proper validation or written consent from me, violating XXXX5 USC 1692g. For instance, I requested documentation such as original contracts or applications bearing my signature, but this evidence has not been provided. 
Incorrect Personal Information Incorrect addresses, such as XXXX XXXX XXXX and XXXX XXXX XXXX, are inaccurately listed on my credit report. These errors must be corrected immediately to avoid further inaccuracies. 
Violation of Disclosure and Opt-Out Rights Under FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of sharing my personal information. This lack of transparency is a violation of my consumer rights. 
Willful Noncompliance Creditors and agencies accepted and reported unverified or inaccurate information without due diligence. This constitutes willful noncompliance under FCRA Section 616, which allows for civil penalties of up to {$1000.00} per violation.

Unfair Debt Collection Practices Debt collectors shared my information with third-party agencies, claiming I owed debts without proper validation or consent. This is a clear violation of the FDCPA and acquiring location information regulations, which prohibit such practices. 
In short, my credit report contains unauthorized, inaccurate, and unverified information that violates federal laws meant to protect my consumer rights. Ive taken action to demand immediate corrections, removal of unauthorized inquiries, and validation of any debts. I expect timely resolution to these matters to ensure my credit profile is accurate and compliant with the law.

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: 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for reporting inaccurate and inconsistent information regarding the XXXX XXXX account ( partial account number : XXXX ) in my credit report. TransUnions reporting violates the Fair Credit Reporting Act ( FCRA ), as detailed below : Inaccuracies and Issues Identified XXXX. Date Opened : TransUnion lists the account opening date as XX/XX/year>, which does not align with the information reported by other credit bureaus. 

2. Payment Status : The payment status is listed as " Unknown '', which fails to provide clarity about the accounts actual condition.

3. Payment History : The recent payment history has blank spaces, indicating missing or incomplete data.

4. Failure to Maintain Accuracy : TransUnion has not implemented reasonable procedures to ensure the accuracy of this information, as required under Section 607 ( b ) of the FCRA.

FCRA Violations 1. Section 607 ( b ) : TransUnion is required to use reasonable procedures to ensure maximum possible accuracy in its reporting.

2. Section 609 ( a ) ( 1 ) : Consumers have the right to accurate and verifiable information. The ambiguous and incomplete data on this account violates this provision.

3. Section 611 : If previously disputed, TransUnion has not adequately investigated or corrected the errors within the required 30-day timeframe.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX different banking cycles I was according to Wells Faro guilty of overdrawing my account by a total of over {$530.00} despite my being in a continued aggressive mode to get to the bottom of why I believe Wells Fargo is guilty of allowing someone other than me to get over {$400.00} in cash withdrawls or retail transactions using my account. The bank has never charged the standard overdraft charge of {$35.00} for any of the transactions made without sufficient funds to cover them. Nor did the bank ever inform me that transactions were being made that put my balance into the negative range. The bank 's response from people impossible to accurately identify or know what department they work for accurately described the situation I relayed by phone and in writing. 
The policies they source that would give the bank latitude to give me cash and buy goods and services without the funds in my account don't actually exist and can not be found online nor in the branch. I do not have a pre-deposit agreement because I am not a Wells Fargo Employee. 

Even today and ever since I submitted the first complaint XX/XX/XXXX my balances, the locations and amounts of my transactions along with the chronological order of the transactions have changed daily. There even fraudulent charges that my ebanking account does not allow mw to dispute accurately. I was lied to several times by CFPB employees and Wells Fargo employees.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 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.

TRANSUNION 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 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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, discovered multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws concerning how my credit information has been handled. These include willful noncompliance in verifying the accuracy of the information on my credit report, deceptive reporting practices, and failure to adhere to required disclosure and validation processes.

Specifically : Unverified and Inaccurate Reporting : Certain debts and inquiries were added to my credit report without proper validation or my consent, violating FCRA Section 616 and Section 623 ( a ) ( 3 ).

Lack of Disclosure : My right to opt out of sharing personal information was not disclosed as required under FCRA Section 603 ( d ) ( 2 ) ( A ).

Unauthorized Practices : Debt collectors improperly contacted third-party agencies and disclosed debt information to unauthorized parties, breaching location information regulations. 
Deceptive Late Payment Reporting : Payments were reported as late without clearly defining what constituted a late payment, making the information misleading and inaccurate.

Permissible Purposes Violation : My credit report contained information that was shared without obtaining my written consent, contravening the permissible purposes outlined in the FCRA.

Finance Charges Errors : Finance charges were not accurately determined as required.

Additionally, I raised concerns about the specific debts reported by several collectors, including XXXX, XXXX, XXXX XXXX XXXX, and others. I demanded proof of these alleged debtssuch as signed contracts or original applicationsand validation of their accuracy across all three credit bureaus. In the absence of such validation, I requested the removal of these items. 

If these issues are not resolved promptly, I am prepared to pursue legal remedies under the FCRA, including penalties for willful noncompliance and 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 2024-11-27 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Formal Dispute Regarding Inaccurate and Incomplete Credit Reporting for Account # [ XXXX ] listed as XXXX XXXX XXXX XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I have the right to dispute inaccurate, incomplete, or untimely information and to expect maximum accuracy in the reporting of my credit information.

Upon reviewing my credit file, I have identified the following issues that need immediate investigation and resolution : Issues Identified XXXX. Failure to Report to [ XXXXEquifax ] XXXX This account is being reported only to XXXX and is not present on my [ TransUnion/Equifax ] report. This selective or inconsistent reporting leads to an incomplete representation of my credit history, potentially impacting my creditworthiness unfairly. 
FCRA Violation : FCRA 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer reports. Omitting this account from [ XXXXEquifax ] may result in an incomplete and inaccurate portrayal of my credit file. 
XXXX. Delayed or Untimely Reporting : The account shows a Last Reported date of XX/XX/year>, which is nearly a month after the Date of Last Payment ( XX/XX/year> ). This raises concerns about whether the account information is being updated promptly and accurately. 
FCRA Violation : FCRA 1681s-2 ( a ) ( 2 ) requires furnishers to provide accurate and timely updates to all credit bureaus.

3. Incomplete Account Comments or Notes : The Comments section is blank, with no notation of whether this account was previously disputed or resolved. If there were any prior disputes, the lack of notation violates FCRA requirements to reflect disputes accurately.

FCRA Violation : FCRA 1681s-2 ( a ) ( 3 ) requires that disputes and resolutions be reported to the credit bureaus clearly and promptly.

4. Impact of Selective Reporting : This account is only reported to XXXX, and its absence from [ XXXXEquifax ] could cause creditors to view an incomplete credit profile. This unfairly penalizes me and diminishes the integrity of my credit report.

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: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I recently discovered a [ credit card/account ] on my credit report that I do not recognize. I have been monitoring my credit closely and immediately disputed the account upon noticing it. However, it still appears on my report, and I want to clarify that this account was not opened with my consent or knowledge. 
I recently discovered that my information was included in the XXXX data breach.

I suspect this account may have been opened fraudulently, and I am requesting a thorough investigation into how and when it was created. Additionally, I would like to request the accounts immediate closure to prevent further unauthorized activity.

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: GA

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 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: GA

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I am requesting the method of verification used to confirm the accuracy of this information. Please provide : 1. The name, address, and contact information of the entity that supplied the information.

2. A detailed description of the investigation process conducted by your bureau.

If you are unable to verify the accuracy of this account in accordance with the FCRA, I request that it be permanently removed from my credit report.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), if you can not verify the validity of this information, you are required to block the reporting of this information within 4 business days from the receipt of this notice. The account ( s ) listed above are inaccurate, unverifiable, or incomplete, and must therefore be blocked or removed from my credit report without delay.

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