vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccuracies in My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in addressing inaccuracies in my credit reports from TransUnion, XXXX, and XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified errors and outdated information on my reports that I have previously disputed with the credit bureaus without resolution. 

Specifically, I am requesting the following actions : 1. The removal of all inaccuracies from my credit report.

2. The removal of all closed accounts that are not accurately reflecting my credit history.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. The following provisions of the FCRA provide the statutory basis for my request : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i : Consumers have the right to dispute inaccurate information, and credit bureaus are obligated to conduct a reasonable investigation of disputes within 30 days.

15 U.S.C. 1681c ( a ) : Certain negative information, such as closed accounts or outdated debts, should not appear on a consumers credit report after specific time limits.

15 U.S.C. 1681g : Consumers have the right to access their credit report and be informed of the sources and purposes of the information provided. 


I believe these rights have been violated due to the continued presence of inaccurate information on my credit reports. This has caused harm to my financial standing and reputation. I have attached copies of my credit reports highlighting the inaccuracies in question for your review. 

Please investigate this matter and ensure the credit bureaus comply with the requirements of the FCRA. I request that all inaccuracies and closed accounts be removed immediately to reflect accurate and up-to-date information. 

If further information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Wrong Names Address Phone Numbers Employment information Closed accounts Inquiries

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 2024-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccuracies in My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in addressing inaccuracies in my credit reports from XXXX, Equifax, and XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified errors and outdated information on my reports that I have previously disputed with the credit bureaus without resolution. 

Specifically, I am requesting the following actions : 1. The removal of all inaccuracies from my credit report.

2. The removal of all closed accounts that are not accurately reflecting my credit history.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. The following provisions of the FCRA provide the statutory basis for my request : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i : Consumers have the right to dispute inaccurate information, and credit
bureaus are obligated to conduct a reasonable investigation of disputes within 30 days.

15 U.S.C. 1681c ( a ) : Certain negative information, such as closed accounts or outdated debts, should not appear on a consumers credit report after specific time limits.

15 U.S.C. 1681g : Consumers have the right to access their credit report and be informed of the sources and purposes of the information provided. 


I believe these rights have been violated due to the continued presence of inaccurate information on my credit reports. This has caused harm to my financial standing and reputation. I have attached copies of my credit reports highlighting the inaccuracies in question for your review. 

Please investigate this matter and ensure the credit bureaus comply with the requirements of the FCRA. I request that all inaccuracies and closed accounts be removed immediately to reflect accurate and up-to-date information. 

If further information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Wrong Names Address Phone Numbers Employment information Closed accounts Inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bought XXXX XXXX for my house from XXXX XXXX in XXXX, GA. The sale included interest free financing, so I signed up. I recently received a credit alert saying I had charged a large amount to my Wells Fargo XXXX XXXX account. When I checked, ~ {$2500.00} was added to the ~ {$3500.00} account balance because the loan wasnt paid in full by XX/XX/XXXXXXXX I have made ALL of the original loan term payments since inception, automatically having the payment made from my checking account. I just found out that those payments would NOT payoff the loan in time to prevent the interest charge. When I called Wells Fargo, I was told that the interest was ~28 % accrued since loan inception. I asked if I could just payoff the original remaining {$3500.00} that day ( XX/XX/XXXX ) and was denied. I asked to speak to a manager and was told he would reduce the total ( ~ {$6000.00} now with interest ) by {$600.00} if paid in full right then. I declined because I feel like I have been deceived and am a victim of predatory lending. Now this account is growing at at 28 % per year.

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently applied for credit, and I was denied. This denial is discrimination. Regardless of the reason for denial, I have the right to access credit, especially my credit. It is especially disturbing if my application is being used as a security for your company 's benefit and not mine. Withholding access to my securities is security fraud. You are violating the Equal Credit Opportunity Act & Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX ACCOUNT : XXXX. The account was removed by Equifax after dispute. I later realized after looking over my credit report Equifax, p put XXXX  XXXX XXXX back on my credit report without warning or regard for my financial life or job opportunities. This unlawful account reporting is causing me harm. 
I have proof it was removed via CONFIRMATION # : XXXX. On page XXXX of XXXX, dated XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-11-16 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: FL

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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 2024-11-16 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: FL

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2024-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
Credit score took a hit today claiming multiple late payments from ESCI for my student loan payment. 
I check my credit regularly and pay all bills on time. All of the sudden XXXX late payments are posted this week. I have autopay on for minimum due and the money was taken from my bank account and each month in question. The months in question are XXXX through XX/XX/year>. I did not receive an email or anything saying my payment is late and I have emails stating the autopay was sent to ESCI. It is not fair that these late payments get posted 7 months later and my credit takes a big hit. If their was more due than what the minimum due, I did not get an email stating that. Their claim was an overdue amount I was not notified of through email as I have paperless with them. I paid the overdue but the XXXX late payments is not okay as money was still taken out of my account to pay the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Subject : Dispute of Debt and Rights Violation I am writing to formally dispute the debt that you claim I owe, as listed on my credit report. I am disputing all amounts that you allege I owe and require full validation of this debt in accordance with federal consumer protection laws. Additionally, I am revoking any and all rights of communication with me via phone, email, or text message. Any further attempts to contact me outside of written correspondence will constitute a violation of federal law. 

Violations and Legal Citations I have identified several violations of my consumer rights as outlined under the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information but has still placed the collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account as required by law.

3. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) :
The collection agency is unlawfully furnishing information to consumer reporting agencies without providing the necessary disclosures mandated by law.

4. 15 USC 1692k : If you continue to contact me in any manner other than written correspondence after this notification, you will be in violation and subject to damages of {$1000.00} per infraction.

Requests for Validation and Documentation To address this matter, please provide the following : 1. Debt validation information as mandated by federal law.

2. The purchase agreement between your agency and the original creditor that legally assigns this debt to your company.

3. Proof that your agency is licensed and bonded to collect debts in my state.

Failure to comply with these requests within 30 days will result in further action, including but not limited to submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for the violations outlined above.

Please consider this letter as a formal revocation of all rights to contact me by phone, email, or text message. All communication must be in writing and sent to my mailing address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Revovery Solutions are attempting to collect a debt on behalf is the XXXX XXXX  XXXX With whom I have settled with based on the affect of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems are alleging that I opened an account on XX/XX/year>. However, I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My CDs were set to mature so I have been watching them in my app. One day I dont see them anymore and make a phone call to Wells Fargo XXXX They give me no information, except that Im being transferred to loss prevention. Upon speaking to loss prevention, they say my accounts will be closed on XX/XX/XXXX and they dont have a reason except its a business decision.

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 2024-11-16 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: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-16 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: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: AZ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect

to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with m
y Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/2021 Balance : {$330.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/2021 Balance : {$0.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/2021 Balance : {$17.00} Late/Open XXXX XXXX Account Number XXXX Open Date XX/XX/2021 Balance : {$5.00} Late/Open

Company response to consumer: Closed with non-monetary relief