vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
My correct name is XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX is reporting my name as XXXX XXXX XXXX which is inaccurate. 
XXXX- is reporting my name as XXXX XXXX XXXX which is inaccurate the hephen is in the incorrect position. 

Equifax is reporting an inaccurate name of XXXX XXXX XXXX. XXXX  XXXX is the incorrect last name. 

My current and correct address is XXXX XXXX XXXX, XXXX, GA XXXX XXXX are reporting incorrect addresses that I don't recognize or never resided at : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX  XXXX is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A payment was successfully made on XX/XX/year> for the amount of XXXX so I know the accounts are linked and work successfully. There were also no problems for all the other payments before this. A payment for XXXX was made on XX/XX/year> for XXXX and was not accepted by XXXX/wells fargo. Another payment for XXXX was submitted on XX/XX/year> with the same result. Another payment was submitted on XX/XX/year> for XXXX with the same result. I noticed my account balance was still not updating after these payments and an adjustment was added back onto my account to return my balance to what it was pre payment. So I thought maybe there was a problem with my bank. I have XXXX bank accounts on my wells fargo credit card account so I attempted to use both of them. Both accounts had over XXXX in them, more than enough to cover my bills but the payments were still not being accepted by XXXX/wells fargo even though they previously had. Wells fargo/XXXX then placed a hold on my account and began to chage me late fees for what they said was bounced payments even though both bank accounts could cover the amount due. Just to double check something wasnt wrong, I called XXXX XXXX  and XXXX XXXX XXXX  to check if there were any bounced payments. Both confirmed there were no bounced payments and that everything was fine on their end. I have been able to make payments to other people and other cards just find. XXXX/wells fargo are the only people having issues. When i spoke to bilt/wells fargo on the phone they were asking me to show proof of payment with my credit card statement and to fax it over to a department that is unreachable by phone. The agent could not tell me anything about what was happening or what to do and just said he had no say and I needed to fax a statement over the bank showing I paid the balance. It needed to be a paper statement that you get at the closing of your bill each month. What they are asking for impossible because when the payments are made, the balance shows as being deducted from my account in the app as pending but then the payment charge drops off, so its never included in the final statement. They wont accept a screenshot of the app and there is no way to contact the department that I need to contact. Since none of these payments are being accepted, they have begun to charge me late fees and interest on my account balance. They are threatening to close my account because of an error on their side. XXXX separate banks say I have no bounced payments and there is no way to contact the correct department at XXXX/wells fargo 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 monetary relief
Consumer complaint received 2024-07-09 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: MO

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 use 1681. 

first progress, # 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 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost 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 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
A TitleMax employee is sharing all my loan information, address and phone number to my estranged family members which happen to be very good friends and or family of said TitleMax employee. I have screenshots of my sister in law telling me about having knowledge of my loan, late payment, loan information and my address. They have broken my privacy protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Several months ago, HSBC notified credit agencies of an alleged unpaid $ XXXX on a credit card that was closed XXXX yrs. ago. The debt was allegedly incurred on the now closed credit card ( i.e., is roughly XXXX yrs. old ). HSBC admits that it never notified us of the alleged unpaid debt or otherwise sought collection from us. Our XXXX noticed of HSBC claim was a sudden precipitous drop in credit rating noticed when we recently applied for a HELOC. The only " ding '' on my credit report is HSBC 's claim. HSBC made its claim to XXXX XX/XX/2023. Following HSBC 's dispute process, HSBC promised to provide us evidence of the unpaid debt ( statement [ s ] ) but has not done so. Efforts to dispute the debt via XXXX 's process have been to no avail ; XXXX did not obtain any evidence of allegedly unpaid debt before closing the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX  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 60 days 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. 


XXXX XXXX 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! 


Delete the late payments from my consumer reports 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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
During the XXXX Pandemic I did not take XXXX dollar of unemployment or XXXX  funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the XXXX timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed for XXXX  XXXX bankruptcy almost 2 years ago. All of my unsecured credit accounts were closed at that time after they received letters from my attorney. There are no remarks placed by my individual accounts helping to increase my score soaring them as satisfied and our closed. The remarks can help raise my credit score just the XXXX did which raised my score by XXXX points.

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 2024-07-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute several unauthorized charges that have been made to my XXXX XXXX account and to request the removal of this account from my credit report. These charges, which I did not authorize, have significantly impacted my credit report and my financial standing. Below are the key details : Account : XXXX XXXX ( XXXX ) Account Balance : {$3100.00} Status : Account Closed Issue Duration : Since last summer I have been dealing with this issue for over a year, and despite my numerous attempts to resolve it, the XXXX XXXX representative has not been helpful or efficient in removing these unauthorized charges. Additionally, my XXXX account was hacked, and funds were stripped from it. During this period, my XXXX XXXX was not in my possession, making it impossible for me to have authorized these transactions. 

According to the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute unauthorized charges on their credit accounts. Section 170 of the FCBA specifically states that a consumer should not be held responsible for purchases they did not make. Due to the continued presence of these unauthorized charges and the lack of resolution from XXXX XXXX customer service, I have not made any monthly payments since the transactions were not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
BEEN SEEING THESE FRAUDULENT ACCOUNTS EVERYTIME I WAKE UP. 
PLEASE SEE AND CHECK POSSIBLE ACTIONS TO MAKE THESE PERMANENTLY REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my FICO credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer FICO credit reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have unauthorized inquiries/ collections on my credit report that I want to get removed now I have unauthorized addresses that I do not recognize thats on my credit report that I need change now on my file. I dont want to file police report because I know if I file a police report when I do decide to use my credit, again its going to put me on fraud alert, so I do not want to be on fraud alert. I just want this removed from my credit please Hunter war field XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of education XXXX XXXX XXXX XXXX XXXX Dept of education XXXX Dept of education XXXX Dept of education XXXX Dept of education XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am unaware of the debt reported on my credit report. i did not the opportunity to dispute this debt nor did i receive proper notification. if you believe i received proper notification can please provide the certified mail with the receipt with my name on it saying i received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XXXX XXXX I received an e-mail from Bank of America stating my credit card application had been approved. I then learned from my credit report that Bank of America had checked my credit on XX/XX/year>. I immediately called Bank of America and informed them that I had not applied for a credit card and this was a fraudulent account. They said they would close the account and mark it as fraud. I froze my credit on all credit reporting agencies, filed a complaint with the FTC. Notified XXXX  account that my credit had been fraudulently accessed. On XX/XX/year> Bank of America sent me a letter stating to complete the enclosed FACT ACT request form and required documentation and to send to their Claims Resolution Dept. All required documents and proof of ID were mailed to Bank of America on XX/XX/year>. Bank of America received the requested documents on XX/XX/year>. I have called numerous times to check on why I have not received records related to the application on this fraudulent credit card. On XXXX XXXX I was informed that they needed XXXX more weeks and I would receive the documents by XXXX XXXX. Today XX/XX/year> I called again and was told the documents have not been sent out, some of their systems are down and I could start a new application for the documents and it would take another 30 days, or I could call back tomorrow and see how it was going. 
I would like to also state that this account was only marked as closed and not fraud until I called numerous times. On one phone call, I was transferred 6 times to XXXX different departments that all said I needed to talk to someone else. Today, I spent XXXX minutes on this phone call to find out they still haven't sent the documents and was transferred once, so I talked with two different people. 

They can not explain to me how the person that applied for this credit card in my name almost immediatley was approved, but I have to wait months to find out who applied for the card or to get a copy of the application.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-09 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2024-07-09 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief