vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is trying to collect ovedrafe fees and interest from a decade old closed account. Fee that stack ontop of fee in a well know scam. But instead of the court ordered rebursal the scam caused their trying to get me to pay them XXXX grand for " overdraft fees ''

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hi, I purchased a product for {$12.00} on a Banana Republic ( Barclays ) credit card XXXX of XX/XX/XXXX. 
I did not get a bill in the mail like previously, nor did I EVER agree to email billing, My credit rating was always in the excellent range over 800. 
I received a letter from Barclay 's XX/XX/XXXX stating they're lowing my credit on this card due to a big credit rating drop. I checked my credit score and it did drop to fair just right above poor. 
Barclay 's reported me to the credit bureaus XXXX and XX/XX/XXXX for failing to pay, but they failed to send me a bill. The amount was {$88.00} at this point. They waved the charges. However, this is still on my credit and I always pay on time. My credit isn't close to where if was. 
Barclays has horrible business practices! 
I contacted the three credit bureaus and the XXXX and this company has done nothing. All I want is for them to take off that I was late on those two months. 
Thank you so much for reading and for your time!

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 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MT

Complaint narrative:
On XX/XX/XXXX at XXXX PM, I received an email from XXXX XXXX stating that " a collection account could be impacting your XXXX XXXX. '' I logged into XXXX XXXX and found that Credit Control LLC had reported a debt collection on my credit report for {$790.00}. I logged into XXXX and created a XXXX XXXX on my credit report as well as disputed this claim. I also emailed Credit Control LLC and signed up for XXXX XXXX. I had XXXX breaches on existing accounts in the last year ( loandepot.com and through XXXX 's XXXX XXXX XXXX ). These came with a notification letter and free access to credit monitoring. On XX/XX/XXXX at XXXX AM, I called Credit Control LLC to find out more information. They referred me to XXXX XXXX XXXX XXXX number XXXX and reference number XXXX for investigation. At XXXX AM, I called XXXX XXXX ( a utility company ) and was forwarded to their credit department. I discussed my situation and history. I also stated that I have no property or rentals in XXXX  and have lived for over XXXX  years in my current residence in XXXXXXXX XXXX  She said the there is a possibility that someone used my social security number to open up a utility account. Additionally, she told me to file with the XXXX  and a local police report and to send them to XXXX. She also relayed the additional details of the claim : - Account information : XXXX - Balance : {$790.00} - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Opened : XXXX XXXX, XXXX - Closed : XXXX XXXX, XXXX - Address confirmation : I uploaded a detailed list of all my conversations and emails associated to this.

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 2024-05-24 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: MD

Complaint narrative:
Re : Complaint Against XXXX for Violation of FCRA 1681 b ( 2 ) - Permissible Purpose of Consumer Reports.I am writing to file a complaint against XXXX, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 b ( 2 ) regarding the permissible purpose of consumer reports. 

Summary of Complaint XXXX furnished a consumer report about me to [ XXXX XXXX XXXX ] in connection with a [ Auto Transaction ]. However, I did not initiate this transaction, nor did I authorize XXXX to provide my consumer report for this purpose. This action is a direct violation of FCRA 1681 b ( 2 ), which restricts the release of consumer reports without consumer consent or for purposes not initiated by the consumer. 

Additionally, XXXX violated 15 U.S.C. 6802 regarding disclosing my nonpublic personal information. I was not provided with clear and conspicuous disclosure that my information may be disclosed to a nonaffiliated third party. I was not given the opportunity to opt-out of such disclosure, nor was I explained how to exercise that option. 
a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( I ). 

XXXX has included information on my consumer report that I believe is in violation of the FCRA. The information pertains to [ describe the information in question ], which I believe constitutes a report of transactions or experiences between myself and XXXX. 

The FCRA explicitly excludes such information from the definition of a " consumer report. '' As per 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report does not include " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Furthermore, XXXX has not provided any evidence that I gave written permission for this information to be included in my consumer 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 non-monetary relief
Consumer complaint received 2024-05-24 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: AZ

Complaint narrative:
The following accounts are fraudulent and are reporting on my credit file. 

1 ) XXXX Account # XXXX. Amount=XXXX 

2 ) XXXX XXXX XXXX # XXXX Amount XXXX. 3 ) XXXX XXXX XXXX # XXXX Amount XXXX 4 ) XXXX XXXX  XXXX XXXX  # XXXX Amount {$480.00} 5 ) XXXX # XXXX Amount {$1200.00}

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 non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing in response to a recent collection notice discovered within my credit file attributed to your agency. Regrettably, I have not received any prior notification regarding this collection, and I hold reservations regarding the accuracy of the debt in question. 

Under the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of any alleged debt. Consequently, I kindly request your assistance in providing the following documents to facilitate the verification process :

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 2024-05-24 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 in response to a recent collection notice discovered within my credit file attributed to your agency. Regrettably, I have not received any prior notification regarding this collection, and I hold reservations regarding the accuracy of the debt in question. 

Under the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of any alleged debt. Consequently, I kindly request your assistance in providing the following documents to facilitate the verification process :

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I previously submitted a CFPB complaint because I was the victim of multiple fraudulent charges to my bank account ( Complaint # XXXX ). The bank responded and that complaint was closed. However, in its response, the bank failed to address or resolve one remaining fraudulent charge to my account. This outstanding charge occurred on XX/XX/2023, to XXXX XXXX for {$490.00} to someone named XXXX XXXX. I immediately disputed this charge explaining that I never authorized this nor do I know anyone named XXXX XXXX. I received a provisional credit for the charge on XX/XX/2023 ; however, the bank reversed the credit claiming I " received services or merchandise ''. This is completely untrue. I never received anything or authorized the transaction. I have attempted to reach out to the bank multiple times. The bank has stonewalled me just like last time, telling me that they are looking into my issue and will call me back, and then never doing so. This is a very frustrating ordeal and very unfair to me. I am a XXXX XXXX on a limited income so this is particularly stressful to my well-being and ability to survive financially.

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 2024-05-24 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: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
I asked this company to stop communicating with me, specifically by reporting on my consumer report an alleged debt that has been deemed unverified as per Federal law Pursuant 12 CFR 1006.34 ( c ) due to the fact that you did not follow ( are still are not following ) federal law. Once again You are reporting a debt tht can not be verified plz stop. Due to the deceptive practice With your pre-generated answer to my cfpb complaint its evident you will not comply to my request, and you will continue to violate and circumvent the FCRA with these prefabricated responses but still ignoring consumers requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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:
These entries in my credit file stem from the unauthorized use of my social security number and card. I am not aware of, nor did I authorize, the opening of these accounts in my name. Furthermore, they are unrelated to any actions I have taken. 

The discovery of these unauthorized accounts has caused me significant distress and frustration. Dealing with the misuse of my personal information has been an unwelcome burden, and I am deeply upset by this violation of my privacy. 

It is unacceptable that such unauthorized activities have occurred, and I am determined to rectify this situation promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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:
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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to after a dispute with Wells Fargo regarding a " missed paument ''. My XXXX Plan included my monthly mortgage payment and the bankruptcy was discharged upon completion of my 100 % plan. I learned yesterday that since my discharge in XX/XX/XXXX, Wells did not resume reporting to any credit agency the status of my loan or payments. I was denied an auto loan as a result of their failure to accurately report the status of my mortgage loan and thus lowering my credit score so I did not qualify. I reached out to Wells Fargo to resolve this issue and was told I would need to write a letter to them and have someone in the Written Correspondence department make any changes. The lovely customer Service agent, XXXX, let me know that the reporting had been turned off and she did not have the ability to turn it back on. I'm furious that I have to take the time to write to them for something that should be automatic. I received an apology check in XX/XX/XXXX that upon " audit '' of my loan account " they may have made an error ''. I want my credit restored and I want them held accountable for their failure to do what should be there duty to the consumer. I'm not able to dispute the inaccuracy with the 3 reporting agencies since it is not showing up on my reports as an open account.

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 2024-05-24 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: Self Financial Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Dear XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX XXXX identity theft and fraud laws.

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX identity theft and fraud laws emphasize the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and local laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft and fraud laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX identity theft and fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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 to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-24 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-05-24 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company National Credit Systems. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation