vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: AZ

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 explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 explanation
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were fraudulently created or accessed using my personal information, which was compromised during a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to have these fraudulent items removed from my credit file. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2900.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During Hurricane XXXX  I lost power and mobile phone service for 5 days. During this time, my checking account at Wells Fargo over-drafted to my Wells Fargo Credit Card. I had the cash in other accounts however due to Hurricane XXXX  I had no internet access, phone access, or ability to drive to my bank in person.

The day my power returned, I was able to check my account and discovered this happened. I called and made a payment to the credit card for ONLY the overdraft amount specifically. This is the second month Wells Fargo has billed me cash advance interest on this fully-paid amount. 

Wells Fargo advertised in many places here to help hurricane victims- however after multiple phone calls this is not happening. It feels more like Wells Fargo is laughing at how they are taking advantage of hurricane victims.

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 2024-12-05 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: TX

Complaint narrative:
Errors on my credit report include hard inquiries I didnt authorize. As per 15 USC 1681c-2, these entries should be corrected and removed.

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 2024-12-05 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These accounts and inquiries were fraudulently opened or made using my personal information, which was compromised due to a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: LA

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 confidentially under 15 USC 1681. 

XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 2024-12-05 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: TX

Complaint narrative:
My account with XXXX XXXX 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. 


XXXX XXXX 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 explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company 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 2024-12-05 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: KS

Complaint narrative:
In reviewing my credit report, I noticed several entries of late payments that appear to be incorrect. These errors are inconsistent with my usual payment habits. Please make the necessary updates to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. these accounts need to be removed from my file within 4days undert law section 605 B CFCU 8,041 CFCU 1,165 CFCU 9,793

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
My student Loans have been forgiven and paid in full with Mohela. It has been more than XXXX  days and mohela keeps verifying the old balance with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS # XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addressesthey are not correct. XXXX following addresses are not mines : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to XXXX, inorder to make a lawful report, you must follow theXXXX XXXX compliance standards.

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 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I have a disputed debt with blue shield. In spite of the dispute and their statement that they would take the debt from me against my will through payments they owe me, they sent this alleged debt to collections with no notice. I have sent XXXX letters to this collection agency that this debtt is disputed. They have sent me XXXX letters, called my employer repeatedly and informed them of the supposed debt including amounts and continue to harass 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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Someone keeps requested my credit report, I have gotten over XXXX credit inquiry 's, capital one stated someone ordered a card and it wasn't my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My credit report contains accounts that I believe were added without my consent. I request these fraudulent entries be blocked and removed immediately.

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 2024-12-05 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: NC

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report as outlined below. I am a victim of a data breach and have identified these accounts and inquiries as unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information removed. 
Fraudulent Accounts : XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$550.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report as outlined below. I am a victim of a data breach and have identified these accounts and inquiries as unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information removed. 
Fraudulent Accounts : XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$550.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was Scammed after i got my identity compromised. Upon panicking trying to get the bank and all the assistance i need to get my funds back i reached out to someone online that claimed they could trace my funds and get them back to me and they offered me a service and i believed them i needed the help. After making payments i realized i was scammed once again. This time for {$310.00} cents. I reached out to my back at chace and they stated they could not do anything to help me and can not return my funds even with proof that i was scammed. Attached is the conversation with me and the scammer asking him to return my funds and also the bank basically telling me they cant help me.

Company response to consumer: Closed with explanation