vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
I previously disputed these accounts with Experian. I let them know these accounts were not being reported accurately. According to the IRS when an account is charged-off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099 ( Cancellation of Debt ) from Experian in regards to the following charged-off account listed below. These accounts can no longer be reported to my credit report. Not only does this violate my rights for the FCRA, this is also tax fraud on Experians part. The accounts listed below need to be immediately removed from my credit report as they are reported inaccurately. 

I recently looked at an updated copy of my credit report and noticed several inaccuracies on the accounts I disputed. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking to be verified for accuracy : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

Also, these accounts were charged off on the listed dates above. Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history according to the FCRA. This inaccurate information falsely manipulates the statute of limitations. Failure to investigate this account properly after I requested 2 times for it to be corrected and updated has violated my rights according to the FCRA. Therefore, I am demanding these accounts to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


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.

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 2024-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
I disputed all transactions made by by 2 companies.

First company-XXXX  because they were not mad
e by me. All transactions occurred in a 1.5 week timeframe. Chime app only allows 5 transactions to be disputed in one claim so I chose the ones that had the most charge ( total claim charge : {$490.00} ) and gave them a call to dispute the second claim ( {$220.00} ). While Chime approves the 2nd claim of {$220.00}, they deny the first claim of {$490.00}. 
Second company-XXXX, they deny all my transactions I disputed but approve 1 transaction of {$21.00} I am definitely mind blown on how how chime does their investigation. But they decided to close my account without properly investigating my disputes. I gave them a call yesterday XX/XX/year> and told them I wanted to reopen the disputes again and was told that " it is still under investigation & I would receive a temporary credit on/before XX/XX/year> '' when I CLEARLY received an email stating my claims were DENIED & that my account will close on XX/XX/year>. 
Definitely speechless about my situation as I am losing almost XXXX XXXX due to lousy workers who are dealing with peoples finances

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was able to place a freeze on all three bureaus for myself shortly after hearing about the XXXX breach. Shortly after that, my wife and I tried to place a freeze for her. The Transunion site has frozen or given error messages EVERY time. Today I tried to get the status of MY freeze, and the Transunion site froze and/or gave an error message EVERY time. How can a company with so much influence over our day to day lives be allowed to operate so badly? If the Transunion site won't work on the " unfreeze '' portion, how can I get new credit when necessary?

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 2024-09-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I am the FPOA for my XXXX year old feeble mother. 
On the XXXX of XXXX I was conducting an online wire transfer for a {$3200.00} ride-on lawn mower being purchased from my step-son that he had delivered that day. The transaction was flagged as a fraud alert, so I completed the transaction using XXXX  from a different bank. 
The next day I noticed the account had been locked so I called the bank, with my mother in the room and spoke to the bank 's fraud department. They asked her to identify herself and asked numerous questions, which I had to help her with because she is hard of hearing and has a very poor memory. She is also a recent XXXX  after my father died and he did all of the banking, so she is unfamiliar with how things work. She has also never had a computer or a cell phone. 

The bank people were completely unhelpful and I eventually told them to close the account as we had opened a new account close by, as Wells Fargo do not have any branches in Oklahoma. They initially told me they could send out a cashier 's check for the balance, but when they found the balance was over {$50000.00} they retracted the offer and said she would need to go into a branch. I explained that the nearest branch was XXXX miles away in Kansas. They then offered for me to write a letter for them to close the account. At this point, I got extremely angry with the fact that they had asked a dozen questions to identify my mother yet would accept a letter. 

I told them that forcing my mother to travel XXXX miles round trip with XXXX hours on the road, just to close an account was elder abuse and I wanted to register an elder abuse complaint. The woman on the phone gave me a very cryptic complaint file number that I had to cross check, double check and triple-check with my wife writing it down because it was full of hard to understand letters. My mother would never have been able to understand it. This in and of itself seems deliberately designed to be an elder off-put. 

The following day, I drove my mother XXXX hours round trip so she could close her account. 
To date, XX/XX/24 the cashier 's check funds are still being held by Wells Fargo. 

Yesterday, we had the Oklahoma Adult Protective Services come to the house and speak to my mother as a result of Wells Fargo notifying the authorities.

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 2024-09-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

- XXXX XXXX / 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 Has Violated My Rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account Without my written instructions. 15 U.S.C 1681 C.

( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

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 2024-09-04 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: MO

Complaint narrative:
After closely inspecting my credit report, I noticed several unauthorized accounts that I believe were mistakenly added.

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 2024-09-04 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I recently checked our credit reports and our mortgage is not listed on my credit report nor is it in my wife 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My credit file shows hard inquiries from Capital One. I have reached out to Capital One several times about this letting them know that I have not requested any credit from them. I have received letters of confirmation from Capital One stating that they have reached out to the credit bureau agencies to remove the hard inquiries but the credit bureau agencies state that they have not received any updated information from Capital One. As a result of all this my credit score has dropped significantly which has affected my overall financial goals. I am attaching evidence of letters sent to me by Capital One and also my credit file showing the dates of the hard inquiries still not removed. I do not have any financial relationship with Capital One nor have I requested any credit or product from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
My account with EQUIFAX 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 in ( MONTHS REPORTING LATE ) to be removed.

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.

EQUIFAX 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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: California Accounts Service
State: CA

Complaint narrative:
XX/XX/XXXX, I sent a dispute to XXXX regarding account CALIFORNIA ACCTS SVC # XXXX inaccurate credit reporting. CALIFORNIA ACCTS SVC is in violation of the violation for an " aged account '' typically falls under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c.CALIFORNIA ACCTS SVC reporting in the comment section ( report # XXXX ) " Estimated month and year that this item will be removed : XX/XX/XXXX ''. However, CALIFORNIA ACCTS SVC also reports that the Last Payment Made XX/XX/XXXX. This aged information is reporting inaccurately. The actual time for the account to be removed from the credit report would be XX/XX/XXXX ( 7-year period for these types of accounts to remain on a consumer 's credit report. 

" Time Limit on Reporting Adverse Information : Most negative information, such as collections, charge-offs, and late payments, can only be reported on a consumers credit report for seven years from the date of the first delinquency that led to the negative action. After this period, the information should no longer appear on the credit report. '' I am requesting that this account be deleted from the credit report due to the account reporting inaccurate information and aging the account, which is a violation and an updated credit report be sent to me reflecting the deletion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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