vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: IN

Complaint narrative:
These late payments don't match my usual on-time record.

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 2024-08-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request an immediate and thorough reinvestigation of these items. These inaccuracies are severely damaging to my credit rating. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately. 

XXXX. There was never a late payment given on this account. 
XXXX Account XXXX : XXXX Please update to paid as agreed never late. 

5. Please provide your method of validation on how you validated this account when it is CLOSED and a COLLECTION account reporting currently late 120 days. 
XXXX Account Number : XXXX If unable to explain your method of validation then please DELETE immediately. 

6. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX present sent multiple certified letters requesting loss mitigation options and if there is a sale date ; I have reached out the phone number listed on letter and it is not working ; other times, I have reached out to the lender and I am transferred about three or four times ; some days, they verify my information or call me directly to verify the information and drop the call. I think they are only recording the verified part but then hanging up so we cant address the issues. 

XXXX XXXX XXXX to date options mentioned in the preliminary loss mitigation affidavit from VP of Loan documentation were not accurate ; XXXX XXXX present I was never given the option for a payment deferral, forbearance or repayment plan ; I have submitted a new application several times and was offered a partial payment plan program which never was processed.

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 2024-08-19 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: MS

Complaint narrative:
TRANSUNION ALLOWED XXXX XXXX XXXX, AND XXXX XXXX  I TO REPORT THIS ITEM ON MY CREDIT WHICH IS NOT IN FACT MY MINE. I NEVER HAD A CAR LOAN WIHT XXXX XXXX XXXX I WOULD ASSUME IT IS IMPOSSIBLE TO HAVE THIS ON MY CREDIT WHEN IT IS NOT MINE. THIS ERROR IS ILLEGAL AND UNETHICAL. TRANSUNION FAILED TO AN INESTIGATION. XXXX FAILED TO PERFORM An INVESTIGATION. THOSE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED XXXX THE REPERSENTIVE CONFIRMED THAT THE ADDRESS IT WAS UNDER IS NOT MY ADDRESS SHE STATED THAT IT WILL IN FACT BE UPDATED ITS NOT UPDATED

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 2024-08-19 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: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Someone needs to stop this harassment, abuse and illegal activities. I filed a complaint with you and you closed the case without resolution. They need to void ALL charges as as purchased {$60.00} worth of merchandise and have l paid the over {$90.00} that is merchandise plus one late fee which was their fault not mine. Attached is my previous complaint. I just received another statement for {$240.00}. This amount is all for late fee. They have charge late fee over late fee. This is illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-19 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On multiple occasions in XXXX, I discovered unauthorized transactions on my Navy Federal Credit Union ( NFCU ) credit card. The transactions, which I did not make or authorize, were as follows : - {$3300.00} on XX/XX/year> - {$3200.00} on XX/XX/year> - {$8000.00} on XX/XX/year> - {$6500.00} on XX/XX/year> I promptly reported these transactions to Navy Federal and provided extensive documentation to support my dispute, including mailed letters, faxed documents, and e-messages. Despite my efforts, NFCU denied my dispute, incorrectly classifying it as a " billing error, '' although I had clearly reported these as fraudulent charges. 

Navy Federal did not provide any evidence of my authorization for these transactions, such as identification or a signature. Instead, they closed the dispute without resolving the issue, leaving the fraudulent charges on my account and causing significant damage to my credit report. 

This situation has caused me considerable distress, and I am now seeking your assistance to ensure that these fraudulent charges are reversed, my credit report is corrected, and a proper investigation is conducted into the fraudulent activity on my account. 

**Dates of Unauthorized Transactions and Actions Taken : ** - Unauthorized Transactions : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> - Dispute Filed : After discovering the transactions - Documentation Submitted : Mailed letters, faxed documents, and e-messages to NFCU - NFCUs Response : Dispute denied, classified as a " billing error '' I request that Navy Federal Credit Union reopens this dispute, reverses the unauthorized charges, corrects my credit report, and conducts a thorough investigation into the fraudulent activity and they sent me a mailed letter stating they have reviewed and remain they did not find a billing error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted a car dealership about purchasing a vehicle that I was notified was sold. The salesman then told me about a similar vehicle and offered it to me. While we discussed the vehicle, he said to fill out this financing form so that we can discuss more accurate numbers. While filling out the form I noticed a check box that said I authorized the dealer to run my credit. I immediately stopped and wrote the salesman, asking if the form would not be submitted until we discuss specific numbers, to which he replied correct. I sent them the form and the sent me a breakdown of numbers to which I denied. The manager then offered to send the form off to a few banks to see what the exact numbers would be, to which I replied no not at this moment. In the days later I received notifications from the credit agency Experian that there were credit inquiries made by that dealership. I've spent three days contacting the salesman and managers but received no response. This unethical dealership tactfully deceived me through unprofessional actions. I need the unauthorized inquiry off of 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 2024-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Wakefield & Associates I reported to my Credit Bureaus that I have a two medical debt from XXXX XXXX XXXX XXXX which is false, the of the debts are {$1100.00} Date open XX/XX/year> which is false and {$1200.00} Date open XX/XX/year> which is false. I have never received a medical bill from any Hospital/Doctor Office .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
These delayed payments dont reflect my regular payment behavior.

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 2024-08-19 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am personally filing this complaint regarding my credit record. Upon examination, I found late payment entries. I sent correspondence about this issue more than a month ago, but have received no reply, nor has adequate validation been provided. I now seek your help in addressing 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 explanation
Consumer complaint received 2024-08-19 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:
I am personally filing this complaint regarding my credit record. Upon examination, I found late payment entries. I sent correspondence about this issue more than a month ago, but have received no reply, nor has adequate validation been provided. I now seek your help in addressing 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 2024-08-19 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: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am writing to bring to your attention that a fraudulent unauthorized account has appeared on my credit report. This account was made by entities I am unfamiliar with, and I have no record of initiating any business or financial transactions with them. This isnt my account I have no knowledge of it as it is fraudulent. Below are the details of the fraudulent collection account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent and I have no knowledge of this account I take my credit very serious would never go into debt over {$200.00} remove this account as soon as possible as it is messing with my livelihood. 

XXXX : XXXX This is I, XXXX XXXX , disputing n

o one is representing me this is me. 15 U.S.C. 16815-2 ( a ) ( 1 ) A person shall not furnish any information relating so a consumer to any consumer reporting agency if the person knows or h
as 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 2024-08-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
Customer service are playing games, they start by asking me for ID. a week after they asked for the most weird stupid thing like a police report, Selfie, Notarization, and address verification. Manager XXXX XXXX ( which is not very smart ) said that i must send everything in order to resolve my cases, he also said that online police report is okay bc i live in XXXX. I have sent everything they asked for, paid more than {$100.00} in notarization. but they still REFUSING to resolve my case. Now they are claiming they need a visible selfie which doesn't make any sense bc they have a clear picture of my driver license already plus i need to stop this game before they ask for something else I HAVE SENT EVERYTHING AND I NEED MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found fraudulent accounts on my credit report, and they're affecting my credit. Please remove them.

Company response to consumer: Closed with non-monetary relief