vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
I need your assistance with the false account appearing on my credit report. This issue has hurt my reputation as a customer, and I require your help. I want these accounts removed since they are being reported inaccurately and affecting me negatively.

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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After closing a card for legitimate fraud, Wells Fargo applied a statement balance that I had paid off to the new account/card. XX/XX/XXXX - Statement for credit card ending in XXXX was issued showing a running balance {$750.00}. XX/XX/XXXX - That running balance was paid off in full - XXXX ( this is the account transfer confirmation from my checking account ) bringing the running balance back to {$0.00}. XX/XX/XXXX - I received a text message asking for approval for a {$230.00} charge for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Being in XXXX  at the time, I knew this was fraudulent and immediately canceled the card. XX/XX/XXXX - I received a charge on my new account ending in XXXX for the last statement balance of account XXXX ( remember this statement balance was taken on XX/XX/XXXX but was paid in full on XX/XX/XXXX ) which is what the error is. ( XX/XX/XXXX XXXX LAST STATEMENT BAL FROM ACCT ENDING XXXX XXXX ) When attempting to resolve this with Wells Fargo, they insist that the statements reflect accurately, that is because they transferred an account balance that had already been paid off in full. See attached letter of " resolution '' along with both statements that shows what I am referring to. 

Again, they think it is accurate because they charged me the {$750.00} twice. I have now paid that balance twice. I only should have owed for the statement balance that I paid off XX/XX/XXXX which brought the running balance on the account back to {$0.00}.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2024-11-05 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: MD

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-11-05 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: MD

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had a line of credit for home improvement as part of a deal when purchasing windows. The lender was Wells Fargo. I paid off the loan in XXXX of XXXX and requested that the account be closed as I was no longer in need of that account. Today, XX/XX/XXXX, I received a statement email referring to that account. There is no balance but the account should have been closed 11 months ago. I have had many difficulties with this bank over the years and this is really the icing on the cake.

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 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery was sent debt of validation letter, in which they provided statements & the terms and conditions. I then sent a letter asking for the method of which they used to verify the debt w/no response back to that letter. Which I attached in the original complaint. Complaint ID XXXX. Also, I requested the purchase agreement as well as the chain of assignments be provided to me as well, and I have yet to receive that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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.
State: TX

Complaint narrative:
I am writing regarding an account with XXXX XXXX XXXX that was in collections. On XX/XX/XXXX, I fully paid the outstanding balance of {$390.00}. However, despite the payment, this account still appears as unpaid on my credit report. 

Please update the status of this account to reflect the payment made, and I kindly request its removal from my report at your earliest convenience. Attached is a screenshot confirming the transaction.

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 2024-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-11-05 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
according to 15 USC 1692G there are four things I asked Credence Resource Management to send me about this alleged debt. 1.detailed list of the history of payments made by me on this account. 2. to see the signature that I put on a contract guaranteeing that I would pay this creditor. 3.Im asking to see has any insurance claim filed on this debt and lastly, I wanted proof that Credence Resource Management has the chain of title to collect on this debt They have not complied and keeps calling me and reporting inaccurately on my credit report which is in violation of my rights... They have not been able verify or send me these things I demand it be removed my credit report under 15 USC 16 92g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX a XXXX account was opened without my knowledge and is fraudulent XXXX XXXX  XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX  a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX account was opened in my name fraudulently and I did not consent to this account being opened in my name

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 2024-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX a XXXX account was opened without my knowledge and is fraudulent XXXX XXXXXXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX  XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX account was opened in my name fraudulently and I did not consent to this account being opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
On XXXX XXXX a XXXX  account was opened without my knowledge and is fraudulent ON XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX  hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXXXXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX account was opened in my name fraudulently and I did not consent to this account being opened in my name

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 2024-11-05 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation