vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct as a result of possible fraud. According to 15 U.S. 1681c-2 ( block of information results from identity theft ), the following items must be blocked, however, I would like them removed because I did not authorize them. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are a result of fraud and the following companies are reporting them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct as a result of possible fraud. According to 15 U.S. 1681c-2 ( block of information results from identity theft ), the following items must be blocked, however, I would like them removed because I did not authorize them. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are a result of fraud and the following companies are reporting them : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX equifax mortgage servi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax mortgage servi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax mortgage servi XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-19 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: OH

Complaint narrative:
I have been trying to apply for credit cards, buy a house & also get me a new vehicle but i noticed it was damages on my credit report. According to the credit report 15 USC 1681 law there should not be any damages on my credit report its a declaration to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to apply for credit cards, buy a house & also get me a new vehicle but i noticed it was damages on my credit report. According to the credit report 15 USC 1681 law there should not be any damages on my credit report its a declaration to my character.

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Plus Finance account ending in XXXX. 

I have had money issues, it's no secret. I have attempted to make my payments and yes some have been returned. Plus Finance has now prevented me from making on time payments by disabling my ability to link my only funding account to make electronic payments. So I have had to resort to sending them a physical check from this account. Issue is by the time they post the bill, I'm unable to mail them a check fast enough from my financial institution before it's late and I owe a late fee. 

I have called them multiple times and even asked to speak with a manager for them to tell my I have to go into my bank and have them mail them a piece of paper stating my account is still good before they will lift the restriction. My bank, XXXX, is a XXXX XXXX that does not have branches. I have called them and they do no mail out this " letter '' Plus Finance says is required. 

This is a violation of fair lending. They are preventing me from making on time payments from an account they are happily cashing checks from late because now they get a late fee of {$40.00}. 

I would like my account restored and my late fees reimbursed for the fees that were caused after they applied this restriction.

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 2024-05-19 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: MN

Complaint narrative:
Notices have been sent to this company regarding the accounts listed below and Experian has sent notices in less than a week saying that the following accounts have been verified and sent out stall letters. They are in violation as they are inconsistent with the other credit bureaus. 

As per the Fair Credit Reporting Act ( FCRA ), I expect that all inaccuracies are to be corrected or removed promptly to ensure the accuracy, completeness, and fairness of my credit report. The continued reporting of these incorrect items is damaging my financial standing and causing significant personal distress and financial disadvantage. I demand this to be FIXED! 

Experian is the only bureau reporting this to my credit report every month illegally after numerous attempts to get this removed. They are in violation of 15 USC 1692 ( c ) ( c ), 15 USC 1681 1. XXXX  XXXX 2. XXXX XXXX Bank XXXX. XXXX 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 explanation
Consumer complaint received 2024-05-19 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:
Dear Consumer Financial Protection Bureau, I am writing to follow up on XXXX  previous complaints I have filed against XXXX and TransUnion regarding their failure to provide details of their method of verification of disputed public record items on my existing credit reports. 

Despite my repeated requests, both XXXX and TransUnion have refused to disclose the specific details of their verification process for disputed items on my credit reports. These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to request verification of items on their credit reports and mandates that credit reporting agencies disclose the specific method used to verify disputed items upon request. Both XXXX and Transunion simply respond that they use 3rd parties, refusing to disclose the source which is sharing my personal and private information. 

I have requested XXXX and TransUnion to provide details of their method of verification for these items on XXXX separate occasions, but they have consistently refused to do so. 

This refusal to comply with my lawful requests is a clear violation of the FCRA and denies me my rights as a consumer to ensure the accuracy and completeness of my credit reports. Without knowing the specific details of the verification process, I am unable to effectively dispute any inaccuracies or errors in the information reported by XXXX and TransUnion. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against XXXX and TransUnion for their failure to comply with the FCRA. Additionally, I request that XXXX and TransUnion be required to provide the details of their method of verification for the disputed items on my credit reports, as mandated by law. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights of consumers under the FCRA. 

The previous complaint numbers are as follows : XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 The CFPB 's primary responsibility is to protect consumers in the financial marketplace by promoting fairness, transparency, and accountability among financial institutions and service providers. Merely allowing a credit reporting agency to give a simple response to complex complaint and closing said complaint is not doing that. I ask that the CFPB enforce 15 U.S.C. 1601 in full.

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 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
This old sprint account was placed in collections back in XXXX. Was removed from my credit report last year XXXX. Now it is placed back in collections for some odd reason in XXXX. It should stay removed from my credit report based off the tenure. Called XXXX  which is now XXXX and they are no help. Submitted dispute with XXXX as well and it keeps getting denied. Company that has debt now is Jefferson capital system. Total amount {$2100.00}. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My credit card credit limit was decreased by the company ( Comenity Bank ). This credit limit was conducted without a prior written " adverse action notice '' via postage mail or digital message via my online account portal with the company. I have attached a screenshot of my online message center account for confirmation. Before my account was decreased, it was in good standing and I had no past due payments listed on the account. I was paying the account on-time and was not late. The account was not delinquent or in a financially mishandled status. Truthfully speaking, I rarely used the card as you can reference from the last 2 months of credit card statements that I attached. Before my account was decreased, I had an available credit limit of {$810.00}, an account balance of {$1500.00}, the credit limit was {$2600.00}, and I had a minimum payment due of {$58.00}. When Comenity Bank involuntarily decreased my credit limit, it revised my account to reflect as follows : Available Credit : - {$84.00} Account Balance : {$1700.00} Revised Credit Limit : {$1700.00} Minimum Payment Due : {$58.00} According to the CFPB website in reference to credit card companies increasing and decreasing limits : " If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. 

In most instances, the card issuer must give you a adverse action notice when it makes certain unfavorable changes to your account, such as lowering your credit limit, or when it terminates your account. This notice should either provide specific reasons for the action taken or allow you to request a statement of specific reasons. These notices discourage discrimination and they help you learn the reasons for the decisions. '' When I made contact with Comenity Bank concerning my account, the representative advised me that there was " nothing that she could do '' to assist with my account status and recommended that I request a credit limit increase or reapply for another card. This is not what I wanted to do being that I did nothing to warrant a credit limit decrease in the first place. My account was in good standing with them at the time of this action. They did not send me prior written notice via postage or email concerning the credit limit decrease. As you investigate my bank statements you will see that I did not have any past due amounts on the account to warrant such an action. Once again, my account was current. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
All Accounts, address and inquiry needs to be removed. Be sure to evualate the report and to delete the fradulent account that is on there along with the other accounts. - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the collection account referenced above, which is currently reported on my credit report. This account contains inaccurate information that needs to be addressed promptly. 

1. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the original creditor for this account. 

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt. Specifically, I need a detailed breakdown of how the {$440.00} balance was calculated. This request is strictly for the validation of the amount of the alleged debt under 15 USC 1692g ( a ) ( 1 ). 

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description must be provided within 15 days of receiving this request. 

Here are the specifics of the disputed information : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Balance : {$440.00} High Credit : {$440.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements ; Customer disputed account - reported by subscriber ; Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Please find enclosed copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question Any previous correspondence regarding this matter I request that you conduct a thorough investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The consumer finance reporting agency which is you guys are here to protect my rights as a consumer. I need you guys to do your jobs respectfully and remove these accounts from my credit report. The account I have a major problem with is the account I had with the Department OF ED/ XXXX. The Account number for this account is XXXX. This Account is closed and paid off with the Department of Education but it appears on my Experian account 28 times with different opening dates. Its also appears on my Experian account under the name XXXX with the same account number. This account with the Department of ED/ XXXX and Navient with the same account number is hurting my credit score and hurting my chances of obtaining credit .Its not fair or right for this paid account to be appearing on my credit report 28 times that's excessive and hurting my chances of getting credit. It also needs to be known that all of these accounts are 10 years or older and accounts should only be on a credit report for the most 7 years.

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 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to the bank on XX/XX/24 and wrote a check for {$400000.00} to Wells Fargo. The teller asked me where I would like to apply this payment to, and I replied to my principal. On XX/XX/24 my check was cashed by Wells Fargo. On XX/XX/24 I still didnt see the payment apply to my principal so I called And was tall that they were not able to apply the payment to my loan because they didnt know if I want to apply the payment to the principal or interest If this was true, then why did the teller asked me where I would like to apply the payment to. Wells Fargo used excuses to withhold my money without paying me interest. The payment was finally applied to my principal on XX/XX/24 because I told them I will file a formal complaint. To me, this is stealing. If I didnt call, I wonder how long they will keep the money.

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 2024-05-19 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: MN

Complaint narrative:
1.Transunion is illegally providing a wrong birthdate on my credit report. My birthdate is XX/XX/XXXX and they are reporting XX/XX/XXXX fix it now! 

2. XXXX is reporting inaccurate information on my credit report and is not consistent with the other credit bureaus XXXX and XXXX 3. XXXX- reporting inaccurate and incomplete information. All credit bureaus must report accurate information across all credit bureaus. They are not consistent with the other credit bureaus of XXXX and XXXX All they do is send out stall letters and don't investigate nothing.

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