vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: NJ

Complaint narrative:
The removal of the inquiries below they are fraudulent and do not belong on my credit reports 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

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX, TransUnion, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX, TransUnion, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to Equifax, XXXX XXXX XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to Equifax, XXXX XXXX XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX XXXX XXXX Experian Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX XXXX XXXX Experian Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
XXXX, XXXX XXXX Equifax continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian XXXX XXXX continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

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 2024-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Basically it was supposed to be from unemployment but I seen a claim that had three different card numbers but with the same claim number and there sent me back something about equity loan what I don't understand is I would like to know more about the broker dealer account that from XXXX  you guys did a credit report for me and it was talking about investments in a broker dealer underwriter it was {$18000.00} in this last month but I'm trying to make my complaints all the ways back to the card ending in XXXX from Bank of America prepaid card I never received none of the money I'm trying to figure out what's going on

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 2024-04-23 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:
I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. 

According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable. Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these 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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2024, the amount of {$3800.00} dollars was deposited into my account by check in a branch office to purchase a XXXX item. The person making the purchase and deposit is in another city and making the purchase remotely. The person who deposited it only had to send XXXX, so they then requested that I return what I had sent extra, and so I did. by means of electronic transfer, at the time of doing it the money appeared as available funds in my account but then the same amount that that person had sent was returned to him, that is, the amount of {$3800.00} and he also received the amount of XXXX that I had already sent, thus leaving my account in negative since I had already sent them money and did not have sufficient funds which to cover that transfer made by me. I then brought this to Wells Fargos attention and asked why they would make funds available and then remove them if the deposit was made before XXXX and then rejected on the same day. Also, I have not given authorization to Wells Fargo to allow for overdraft of my account if I do not have sufficient funds. Wells Fargo said that they allowed her to send the money because the funds were available at that time but that after the account was reconciled overnight the deposit was returned unpaid. They then told me that they had no responsibility in the matter because the transaction was authorized by me and because the transfers were done when there were sufficient funds.

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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I received notice that my personal information was leaked by LoanDepot earlier this year. I have requested on multiple attempts the source of the my data and why LoanDepot had my data. I have never applied for a loan with LoanDepot and have not applied for any mortgage or loan in 15 years. LoanDepot continues to not provide me the information I have requested. This should not be an unusual request. I will continue to escalate until i am provided this informition.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I normally pay my Wells Fargo auto finance account on line. I was unable to go on line to make my auto loan payments because the online account was locked. Unfortunately, do to my work schedule it was difficult to meet their call hours. I never received a bill and continued to try to pay my car on line. 

I finally received a letter from Wells Fargo stating the full payment but call because they have payment options. I have the car in my possession. I told then I will pay the arrears. They denied me and told me I would have to pay {$9000.00} a month for four months for the car not to get repossed. I asked if I could speak to a supervisor she said they would give me the same offer. She told me that was my only option. 

I called back again and got a rep who was a little more understanding. I told her I was locked out of the account and I never received a bill. She stated I could pay {$3000.00} a month and the car will not be repossed. I will not receive anything in writing in reference to my agreement. The car would remain as a charge off. 

I told her can I get a letter stating the new agreement. The rep said no. This is just verbal and there is no agreement in writing stating my car will not be repossessed. The rep kept assuring me the car will not be repossed if I make this monthly payment for 12 months and I will not get a bill every month. I would have to remember when to pay and I will not get any paid invoice.I kept telling them I was locked out of my account. 

I told her I would have to call her back because I just don't think this is fair and its unjust I can pay the arrears. There were no monthly bills made and she did admit the account do get locked out. 

I didn't agree because

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, After I fully paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. Two weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Two days later, I have called American Express several times requesting an update on the ticket that I had opened with them and till date there has been no emails/phone/updates from them at all ; two months have passed and I have not heard from American Express with a reconciliation statement. I have attached screenshots of my payments showing XXXX, then a a few days later amex adding a none existing number to the following billing statement. In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Subject : Cease and Desist Letter Regarding HIPAA Violations Dear Sir/Madam, I am writing to you regarding your recent attempts to collect a debt allegedly owed to XXXX XXXX XXXX on behalf of Radius Global LLC . Account # XXXX It has come to my attention that your collection activities may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). 

HIPAA regulations strictly govern the privacy and security of individuals ' protected health information ( PHI ). As a debt collector operating on behalf of XXXX XXXX XXXX, you are obligated to adhere to these regulations. 

It has been brought to my attention that during your debt collection efforts, you may have disclosed or accessed PHI belonging to me, which is a direct violation of HIPAA regulations. This unauthorized disclosure or access to my PHI constitutes a serious breach of privacy and warrants immediate action to rectify the situation. 

Under the provisions of HIPAA, any entity that discloses or accesses PHI without authorization may be subject to severe penalties, including fines and legal action. As such, I demand that Radius Global LLC cease all collection activities related to the debt owed to XXXX XXXX XXXX until this matter is resolved. 

Furthermore, I request that you provide me with a written explanation of how my PHI was obtained, accessed, and utilized during your debt collection process. Additionally, I require confirmation that all copies of my PHI in your possession have been securely destroyed and that no further unauthorized disclosures will occur. 

Please be advised that failure to comply with these demands will result in further legal action, including but not limited to reporting this matter to the appropriate regulatory authorities and pursuing civil remedies for the violation of my privacy rights under HIPAA. 

In addition, I want to make you aware that should this matter escalate to arbitration, it will result in substantial costs for your company, potentially totaling thousands of dollars. Additionally, I expect compensation for the time and inconvenience caused by this XXXX violation. Therefore, I am requesting {$1000.00} payable to me for my time. 

I expect a prompt response to this letter and a resolution to this matter within 15 days. You may contact me via email at XXXX Thank you for your immediate attention to this serious issue.

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 2024-04-23 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:
I recently looked at my account and noticed a new account on my credit report. This account was open by mistake and the creator had closed this account. Please delete this account off my credit repost XXXX XXXX XXXX XXXX  {$360.00}

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