vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a XXXX XXXX  bankruptcy inaccurately reporting on the credit profile associated with my social security number and violates my consumer rights per the following information : The Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. The bankruptcy is currently reporting on Transunion and not on XXXX or XXXX. As the consumer I've previously reported the bankruptcy as inaccurate and stated that it does not belong to me yet Transunion has failed to provide documentation proving the validity of the bankruptcy.

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 2023-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX23 a legal order debt by XXXX XXXX XXXX XXXX XXXX froze my account and withdrew {$660.00}, {$120.00}, {$2.00}, and {$130.00} from my Wells Fargo Checking and Savings Accounts. My lawyer immediately filed a claim of exemption and requested a hearing. The hearing was held on XX/XX/XXXX2023 and the garnishment was dissolved with all my money to be returned forthwith. Wells Fargo, the garnishee, has received copies of the judge 's orders. I was told it would take 7 to 10 days for my funds to return. Wells Fargo doesn't help me XXXX XXXX XXXX will not help me so i turn to you to get my money back I'm XXXX and can not afford this. 

Thank You 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 monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX, in which I did not open, is showing on the credit reports associated with my social security number inaccurately as per the following information : Account Status : The status of the account in TransUnion and XXXX is open, while in XXXX, it is closed. 

Payment Status : The payment status in TransUnion and XXXX is late by 60 days, while in XXXX, it is late by 90 days. 

Last Reported : The last reported date in TransUnion is XX/XX/2023, while in XXXX, it is XX/XX/2023, and in XXXX, it is XX/XX/2023. 

The credit report 's inconsistencies violate Section 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) ( 5 ) requires that credit reporting agencies report the correct account status, which includes whether an account is open or closed. The inconsistency in the account status between XXXX and TransUnion violates this section of FCRA. 

Section 611 ( a ) ( 6 ) requires that credit reporting agencies report the correct payment status of an account. The inconsistency in payment status between TransUnion and XXXX violates this section of FCRA. 

The credit report 's inconsistency in the last reported date violates FCRA Section 611 ( a ) ( 2 ), which requires credit reporting agencies to report the most recent date that an account was reported to them. 

Overall, the credit report 's inconsistencies show that the credit reporting agencies have not maintained accurate and complete information as required by the FCRA.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX, in which I did not open, is showing on the credit reports associated with my social security number inaccurately as per the following information : Account Status : The status of the account in XXXX and Equifax is open, while in XXXX, it is closed. 

Payment Status : The payment status in XXXX and Equifax is late by 60 days, while in XXXX, it is late by 90 days. 

Last Reported : The last reported date in XXXX is XX/XX/2023, while in XXXX, it is XX/XX/2023, and in Equifax, it is XX/XX/2023. 

The credit report 's inconsistencies violate Section 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) ( 5 ) requires that credit reporting agencies report the correct account status, which includes whether an account is open or closed. The inconsistency in the account status between XXXX and XXXX violates this section of FCRA. 

Section 611 ( a ) ( 6 ) requires that credit reporting agencies report the correct payment status of an account. The inconsistency in payment status between XXXX and XXXX violates this section of FCRA. 

The credit report 's inconsistency in the last reported date violates FCRA Section 611 ( a ) ( 2 ), which requires credit reporting agencies to report the most recent date that an account was reported to them. 

Overall, the credit report 's inconsistencies show that the credit reporting agencies have not maintained accurate and complete information as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX is reporting inaccurately on the credit profiles associated with my social security number and are violating my consumer rights per : After comparing the credit report from XXXX, XXXX, and Equifax, it appears that there are inconsistencies in the reporting of the Syncb/Walmar account . The discrepancies are : The account status reported by XXXX is " Closed, '' while XXXX and Equifax report it as " Paid. '' XXXX reported a " Charge account '' account type while XXXX and Equifax reported a " Revolving '' account type. 

Equifax reported a " Credit Limit '' of {$0.00}, while XXXX and XXXX both reported a credit limit of {$200.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies must provide accurate and complete information in credit reports. In this case, the different reporting of the account status, account type, and credit limit may mislead potential lenders and creditors who rely on credit reports to assess creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX Via certified mail to inform them of inaccurate information listed on my credit report. XXXX responded to my letter XX/XX/XXXX to inform me that the account was charged-off XX/XX/XXXX and SOLD to XXXX XXXX XX/XX/XXXX XXXX I will be sending out my dispute letter enforcing my consumer rights to XXXX XXXX directly as well and I will be filing a complaint with the attorney general. My rights as a consumer have been violated by furnishing my information without my consent as well as many other violations that will be stated in my letters. XXXX should be held responsible.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX certified mail to inform them of inaccurate information listed on my credit report. XXXX responded to my letter XX/XX/XXXX to inform me that the account was charged-off XX/XX/XXXX and SOLD to XXXX XXXX XX/XX/XXXX . I will be sending out my dispute letter enforcing my consumer rights to XXXX XXXX directly as well and I will be filing a complaint with the attorney general. My rights as a consumer have been violated by furnishing my information without my consent as well as many other violations that will be stated in my letters. XXXX should be held responsible.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX is reporting inaccurately on the credit profile associated with my social security number as evidenced by : The account type detail is listed as a " Credit Card, '' but the credit limit is {$0.00}. This suggests that the account may not be a traditional credit card account. 

The number of months ( terms ) is listed as " XXXX, '' indicating that there has been no activity on the account, despite it being open for over four years. 

The high credit is listed as {$500.00}, but the balance is {$0.00}. This suggests that the account may not have been used or may have been paid off in full.

The comments section indicates that there is a consumer dispute - reinvestigation in progress, which may be impacting the accuracy of the information reported.

These inconsistencies may violate several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 607 ( a ) ( 1 ) requires that credit reporting agencies provide accurate information in consumer credit reports.

Section 607 ( b ) requires that credit reporting agencies investigate disputed information and correct any inaccuracies.

Section 623 ( a ) ( 2 ) requires that credit reporting agencies provide information in a manner that is fair and impartial to all parties involved.

If the inaccuracies on the credit report are not corrected in a timely manner, the affected I may experience negative consequences, such as difficulty obtaining credit or being charged higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is reporting to credit bureaus that this is an revolving account. This is a checkings account. XXXX has failed to validate and verify my signature on any documentation per my previous dispute request

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

The first inconsistency is the account type detail listed by XXXX. While TransUnion and XXXX indicate that the account type is a charge account, XXXX leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by XXXX, which is {$650.00}, while both TransUnion and XXXX report a high credit of {$0.00}. This inconsistency also violates the FCRA sec

tion 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that c
redit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report.

Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ).

The first inconsistency is the account type detail listed by Equifax
. While XXXX and XXXX indicate that the account type is a charge account, Equifax leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by Equifax, which is {$650.00}, while both XXXX and XXXX report a high credit of {$0.00}. T

his inconsistency also violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that credit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report.
Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from Experian LLC XXXX I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score.

2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law.

3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law.

I am requesting that Experian LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that Experian LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



Sincerely, 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 explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I own 3 U.S. Bank Visa Gift Cards with {$500.00} loaded onto each of them for a total load value of {$1500.00} across the 3 cards. They were purchased on XX/XX/23. I was able to use one before I discovered on XX/XX/23, U.S. Bank had de-activated all of them and denied me access to my remaining {$1400.00}. 

When I contacted U.S. Bank on XX/XX/23 to request access to my funds, they asked for proof of ownership. They said once they received a copy of my driver 's license, a copy of the purchase receipt of the cards, and copies of the gift cards themselves, they would re-activate my cards. I sent U.S. Bank the documents they requested but they didn't re-activate my cards. When I called U.S. Bank, they claimed the documents were illegible and asked that I rescan and resend them. I complied and re-submitted the documents. But still U.S. Bank did nothing. 

In fact, I submitted my proof of ownership documents to U.S. Bank on 6 separate occasions, several by fax and once by mail, on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. Each time I adjusted the images on the documents as advised. Yet, as of today, XX/XX/23, U.S. Bank still has not returned my money. Essentially, U.S. Bank has stolen my 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 non-monetary relief