vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: MO

Complaint narrative:
To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate reporting on my credit files with Equifax, XXXX, and XXXX. The information being reported contains incorrect original credit amounts, dates, and installment details, which is unfairly impacting my credit score and financial profile. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX XXXX corrects these errors and updates the information accurately across all three credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Reported Issues : Incorrect original credit amount, incorrect dates, and inaccurate installment type reported inconsistently across Equifax, XXXX, and XXXX Issue Summary : XXXX. Inconsistent and Inaccurate Reporting : XXXX XXXX XXXX has reported incorrect information across the credit bureaus. These inaccuracies include incorrect original credit amounts, inaccurate dates, and the wrong type of installment structure, creating a misleading view of my creditworthiness. 


XXXX. Failure to Correct Errors : I have attempted to resolve these inaccuracies directly with XXXX XXXX XXXX. However, no corrections have been made, and the inaccurate information continues to appear on my credit reports, unfairly harming my financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies and inconsistencies, I am requesting immediate correction and alignment of the information reported by XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX. 

Resolution Requested : Immediate correction of all inaccurate information reported by XXXX XXXX XXXX, including original credit amount, dates, and installment type on Equifax, XXXX, and XXXX. 

XXXX that XXXX XXXX XXXX will update its records and ensure accurate reporting practices going forward. 

Confirmation that XXXX XXXX XXXX has provided the corrected information to each of the three major credit bureaus to prevent future discrepancies. 


These reporting inaccuracies have caused significant harm to my credit report, and I am seeking the CFPBs support in ensuring that my credit file is updated fairly and accurately. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MO

Complaint narrative:
To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate reporting on my credit files with XXXX, Experian, and XXXX. The information being reported contains incorrect original credit amounts, dates, and installment details, which is unfairly impacting my credit score and financial profile. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX XXXX corrects these errors and updates the information accurately across all three credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Reported Issues : Incorrect original credit amount, incorrect dates, and inaccurate installment type reported inconsistently across XXXX, Experian, and XXXX Issue Summary : XXXX. Inconsistent and Inaccurate Reporting : XXXX XXXX XXXX has reported incorrect information across the credit bureaus. These inaccuracies include incorrect original credit amounts, inaccurate dates, and the wrong type of installment structure, creating a misleading view of my creditworthiness. 


XXXX. Failure to Correct Errors : I have attempted to resolve these inaccuracies directly with XXXX XXXX XXXX. However, no corrections have been made, and the inaccurate information continues to appear on my credit reports, unfairly harming my financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies and inconsistencies, I am requesting immediate correction and alignment of the information reported by XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX. 

Resolution Requested : Immediate correction of all inaccurate information reported by XXXX XXXX XXXX, including original credit amount, dates, and installment type on XXXX, Experian, and XXXX. 

XXXX that XXXX XXXX XXXX will update its records and ensure accurate reporting practices going forward. 

Confirmation that XXXX XXXX XXXX has provided the corrected information to each of the three major credit bureaus to prevent future discrepancies. 


These reporting inaccuracies have caused significant harm to my credit report, and I am seeking the CFPBs support in ensuring that my credit file is updated fairly and accurately. 

Thank you for your attention to this complaint. 

Sincerely, 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
A registered letter with XXXX  slip was sent in late XXXX. Company says payment was never received and XXXX  slip was not returned. Company did not acknowledge receipt of payment and has no record of payment.

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 2024-10-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Fraud Transactions against my Wells Fargo Credit Card beginning on XX/XX/2024 My Wells Fargo credit card was stolen from my work bag while traveling. This is my spare credit card and do not use this card. Subsequently, I did not realize the card had been stolen until weeks later. The thief used the card many times at many locations. Once discovered, I immediately reported the fraudulent transactions to Wells Fargo for investigation. 

Wells Fargo has denied my claim stating that because the card was in my possession- I am not entitled to a refund of fraudulent transactions.

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 2024-10-28 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover / XXXX has removed over {$150.00} in cash bonuses to retaliate against end user and claim that transactions are valid FCRA transactions that do not violate regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: RI

Complaint narrative:
XXXX a settlement offer in XX/XX/year>, company didnt process the offer in their system and kept charging me late fees etc. have been paying toward a balance that should have been closed due to accepting settlement offer. Last payment was {$300.00}. XXXX sent me a check for {$170.00} but cancelled the check after it was already deposited to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 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: IL

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 2024-10-28 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:
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 2024-10-28 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: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2024-10-28 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-28 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:
I am writing to formally dispute the inaccurate personal information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information.

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 2024-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
XXXX repayment plan began at XXXX back in XXXX and is now around XXXX Ive made XXXX payments on and off since XXXX or XXXX even though the XXXX payments were a ridiculous amount. My uncle is the co-signer and went became XXXX I asked for him to be removed from the loan. He has never been removed and when I was jobless they treated to take his XXXX check so I had to get someone to help me make the payments. 
My loan is also in the XXXX vs XXXX lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

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 2024-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AR

Complaint narrative:
The chain of events detailed below shows a series of errors and misinformation, resulting in unnecessary delays and inconvenience. I expect immediate resolution and compensation for this unacceptable treatment. 

On XX/XX/XXXX, I contacted U.S. Bank customer service to close my money market account due to insufficient interest returns. I explicitly instructed the agent to transfer the funds amounting {$220000.00} to my checking account. The agent confirmed that the transfer would take three business days. 

By XX/XX/XXXX, the funds had not reached my account. When I called to inquire, I was informed that, contrary to my explicit instructions, a cashiers check had been issued and mailed to my address. I clarified that this was not what I had requested, nor was it what the agent had communicated to me. Moreover, I informed them that I am out of the country until XXXX and unable to deposit the check. I was assured that a stop payment would be placed on the check and that the funds would be deposited into my checking account within three business days. 

On or about XX/XX/XXXX, after still not seeing the funds, I called again. The representative I spoke with could not locate any notes from my previous call. Nevertheless, I was once again promised that a stop payment would be placed and the funds would be deposited into my checking account within three business days. 

By XX/XX/XXXX, the funds were still not in my account. I contacted customer service yet again and spoke to a manager, who acknowledged that a mistake had been made when the cashiers check was initially issued. She assured me that she would try very hard to resolve the issue promptly and promised to update me via phone or email. I have since received no communication, and as of today, XX/XX/XXXX, the funds remain missing from my account. 

This has now gone beyond a simple inconvenience ; it is a clear case of mismanagement. Despite my repeated attempts to resolve this issue, U.S. Bank has failed to deliver on its promises multiple times, and I have been given conflicting and inaccurate information at every turn.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
this is my third request for correction and removal innacurate information on my XXXX, XXXX, XXXX, ChexSystems and XXXX XXXX XXXX. The information reported is a direct violation of my rights under federal law. This includes but is not limited to 15 USC 1681 ( 2 ) ( b ), Consumer Credit Reporting Act, HUR 192 Remedy, and 12 USC 1431. The combined reporting of false information along with the misuse of my personal information without my permission is unlawful. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ), ( Section 605 B 15 U.S. Code 1681 C-2 ), ( FRCA Section 605B ), ( 18 USC 1028A ), ( 15 USC 6802 ), ( 15 USC 1681b ), it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposel Failure to correct these inquiries and innacuracies is a direct violation of federal consumer protection laws. please remove as requested.

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