vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
Im alarmed by the amount of incorrect information Ive found in how some accounts are reported on my credit file.

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 2024-12-27 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: PA

Complaint narrative:
I was stunned to discover incorrect accounts on my credit report this morning. Im completely baffled because Ive always checked my credit report, and its been accurate until now. I hoped it was a simple glitch, so I refreshed my browser repeatedly, but the discrepancies stayed. Im pleading for a detailed review of the documents Ive provided to ensure this issue is completely resolved and I dont have to keep worrying about it.

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 2024-12-26 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:
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 2024-12-26 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: WI

Complaint narrative:
I am seeking your help to investigate accounts from companies incorrectly reporting late payments. I lost my job and requested that these payments be forgiven, which they agreed to, but they are still reported as late. Ive reached out to them with no response, leaving this as my final option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

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 2024-12-27 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
These inquiries are fraudulent and should be removed. 

XX/XX/scrub>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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
On XX/XX/year> I requested a credit limit increase, based on the decision I received from Apple it was because of a recent late payment on the actual account and a late payment reported from the credit bureau. I contacted the card company to report that this information was inaccurate. I spoke with a representative who after reviewing my card account transactions, payments, and refunds revealed that there was not a late payment on the account and that the account was paid in full before the due date this month. I was told she would escalate the issue and to give them 10-15 days to contact me. Apple contacted me but they didn't acknowledge that the issue exists and that I should contact the credit bureau. I contacted the credit bureau and was told that there had not been a late payment reported recently. I also pulled my credit and it didn't show a recent late payment from any company. I was told that they would contact me again. It has been another two weeks and there hasn't been a status update nor resolution in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding a credit reporting issue involving Capital One. I am concerned about the handling of four accounts that were written off by Capital One, yet I have not received the appropriate documentation reflecting this.

The accounts in question are as follows ( last four digits provided for identification ) : - Account ending in XXXX - Account ending in XXXX - Account ending in XXXX - Account ending in XXXX Despite these accounts being written off, Capital One has failed to issue me a 1099-C form for each account, as required for accurate tax reporting and compliance with federal regulations. Additionally, the accounts have been reported only as " closed '' on my credit report, which does not accurately reflect the nature of the write-off.

I believe this misreporting could negatively impact my credit and tax obligations, and I am requesting a full investigation into this matter. I would like Capital One to : 1. Issue the necessary 1099-C forms for each of the accounts listed.

2. Update the credit reporting to reflect the accounts accurately.

3. Provide confirmation of these actions in writing.

I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate and ensure that Capital One complies with applicable laws and reporting requirements.Thank you for your attention to this matter. Please feel free to contact me if you require any further information or documentation to assist with your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
What happened 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 consists of a personal credit card account opened at auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX on XX/XX/XXXX under account number ( private ), and an auto loan opened at XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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. Further these accounts are now considered in litigation. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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. Hard Inquirers : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
Under 15 USC 16c-2, my credit report reflects unauthorized hard inquiries that negatively affect my credit. Please take action to remove them.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was charged a {$28.00} late fee on XX/XX/XXXX for missing a monthly payment that was due on XX/XX/XXXX. I paid the balance due in full on XX/XX/XXXX. 

Now this months bill charged me a {$28.00} late fee for being late last month. 

I believe the CFPB, earlier this year, reduced the typical late fee from {$32.00} to a max of {$8.00}. 

I bank with Wells Fargo.

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 2024-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: KS

Complaint narrative:
XX/XX/year> [ Chrysler capital ] [ XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXXXXXX ] ( XXXX ) XXXX Subject : Dispute of Inaccurate Reporting under 15 U.S.C. 1681 Dear [ XXXXhrysler capital XXXX XXXX I, XXXX XXXX am writing to formally dispute inaccuracies and unauthorized information reported on my credit file. Pursuant to 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) explicitly outlines that a consumer reporting agency may only furnish a consumer report under certain permissible purposes and with the consent of the consumer. 

Chrysler capital has inaccurately reported several things on my credit report. 
first and foremost, it doesnt even report to XXXX XXXX my report, just XXXX and XXXX . 
The last reporting dates do not match, The Dates of last active do not match and the last payment dates do not match. 

Specifically, under 15 U.S.C. 1681b, a consumer report may only be obtained or shared if : 1. There is a permissible purpose, such as the extension of credit, insurance underwriting, or employment. 
2. The consumer has provided explicit, written consent where required.

Upon review of the information reported, I have determined that not only is there inaccuracies it was reported without my written consent, violating the provisions of 15 U.S.C. 1681b. Additionally, this unauthorized reporting constitutes a form of identity theft and/or false reporting, as it misrepresents my financial history without legal authorization or factual basis. this account has been put in a collection/charge off status and by law I was supposed to be provided a 1099C for IRS and tax purposes By reporting this information [ XXXX/Chrysler capital ] has violated my rights under the FCRA. Therefore, I demand that this information be : removed 1. Investigated immediately in accordance with your obligations under the FCRA, and 2. Removed from my credit report promptly, as its inclusion is unlawful and causes harm to my credit standing. 

This letter serves as my formal dispute. I request written confirmation that the disputed information has been removed, along with a copy of my updated credit report. Should the issue remain unresolved, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies to protect my rights. 

Please find enclosed copies of my relevant supporting documents to assist with your investigation. 

I look forward to your prompt response, as required under the FCRA. You may contact me at [ XXXX XXXX XXXX  ] or [ XXXX XXXX XXXX ] should you need further clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I noticed an ATM withdrawal from my savings account from an ATM in XXXX, XXXX. I live in XXXX- I was at work that day, and on top of that I've never even been to XXXX, XXXX  in my entire life. My debit card is in my possession at all times, including on this date. I called to cancel the card, and to report the fraud to their fraud department. The person I worked with let me know that in about ten days the money would be returned to my account. Around ten days later, I received a letter in the mail stating that no fraud had occurred and that they would not be refunding the money that was stolen from me under their watch. I called and initiated an appeal, and also to request the documents they used to come to their decision. To date, I have not received these documents. Each time I call Citizens Bank I am given a runaround and end up sitting on hold only to be told there's nothing they can do, over and over again. This is fraud and needs to be dealt with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, my employer gave me an American Express gift card last XXXX, but I've been having trouble using it. It hasn't worked for online purchases, in-person stores, or even when trying to add it to my wallet on my phone. It always displays a message to contact the bank. Can we get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
The continued presence of inaccurate information on my credit report has caused significant financial harm and emotional distress. Misrepresentation of my personal and financial details constitutes a serious violation and an act of fraud. This has misled creditors, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial health. Rectifying these issues has been an ongoing and stressful process, further eroding my trust in the credit reporting system. 

Moreover, the persistence of these inaccuracies despite repeated disputes suggests willful neglect and financial coercion. This refusal to correct false information not only exacerbates my financial challenges but also inflicts undue emotional strain. These actions represent a disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which are designed to protect consumers. The harm caused extends beyond financial losses, significantly impacting my daily life and mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
The continued presence of inaccurate information on my credit report has caused significant financial harm and emotional distress. Misrepresentation of my personal and financial details constitutes a serious violation and an act of fraud. This has misled creditors, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial health. Rectifying these issues has been an ongoing and stressful process, further eroding my trust in the credit reporting system. 

Moreover, the persistence of these inaccuracies despite repeated disputes suggests willful neglect and financial coercion. This refusal to correct false information not only exacerbates my financial challenges but also inflicts undue emotional strain. These actions represent a disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which are designed to protect consumers. The harm caused extends beyond financial losses, significantly impacting my daily life and mental 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 explanation
Consumer complaint received 2024-12-26 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:
After going through my credit report, I noticed errors in billing. The late payments listed are not reflective of my actual payment history. Kindly resolve these issues and update my account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account XXXX XXXX  ( ACCOUNT NUMBER : XXXX ), shows a 30-day late payment in XX/XX/year>. This account falls under the FCRA 's permissible purpose rules, and I did not give permission or authorize TransUnion to report it, which constitutes a violation of these rules. I have never been late on any payments, and reporting this account as late violates 15 U.S.C.1666b ( a ). Furthermore, failing to ensure maximum accuracy in reporting breaches 15 U.S.C. 1681e ( b ). If this issue is not corrected, it will be treated as willful non-compliance under 15 U.S.C. 1681n, which allows me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused. I demand the immediate correction of this false late payment. Please address this issue without delay.

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 2024-12-26 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: NY

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
This company has ignored my written request to verify the debt and is contacting people I know telling them I have a debt. They have contacted an acquaintance of mine twice in one week stating that I owe a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.

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