vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
I am A victim of identity theft, and I have reported this issue and all required documents to TransUnion. they refused to remove those items from my consumer credit report after several request to delete them. Items are listed below ACCT = XXXX XXXX # XXXX XXXX  XXXX/ XXXX XXXX  # XXXX XXXX XXXX  # XXXX  INQUIRIES = XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XX/XX/year> LATE PAYMENTS =XXXX  XXXX XXXX  XXXX XXXX late payments Personal INFO= all names or combination of names that is not XXXX XXXX XXXX XXXX TransUnion is in clear violation of 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances ( a ) IN GENERAL : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

{ 2 } In accordance with the written instructions of the consumer to whom it relates.

DID I GIVE YOU WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT?

furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSION S - Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments an accounts from my consumer report, this agency is in violation of 15 USC 1681. 



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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 2025-01-11 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: WA

Complaint narrative:
Complaint Against Experian for Failure to Properly Investigate Disputes and Correct Credit Report Errors Regarding : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite multiple written requests and disputes sent to Experian regarding incorrect information on my credit report, Experian has failed to : 1. Properly investigate the disputes or provide timely updates ( violation of 15 USC 1681i ( 5 ) ). 
2. Correct or remove errors from my credit report ( violation of 15 USC 1681e ( b ) ). 
3. Fail to ensure that the credit reporting information provided by data furnishers is accurate ( violation of 15 USC 1681s-2 ). 
4. Fail to provide proper notification of actions taken or removal of information in accordance with the law ( violation of 15 USC 1681c ( c ) ). 

I was particularly concerned when I learned about the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which alleges that the company conducts sham investigations into credit report disputes and fails to remove or reinstate errors in a timely manner. The CFPBs action highlights a pattern of non-compliance with the FCRA, which is precisely what I have experienced in my dealings with Experian. 

As a result of Experians failure to correct the erroneous information on my credit report, I have faced serious consequences, including [ describe any negative impacts youve experienced, such as denied credit, higher interest rates, or job or housing denials ]. 

I am requesting the following : A thorough investigation into the incorrect information on my credit report and immediate correction or removal of these errors. 
A review of the practices Experian has in place for handling consumer disputes, as they seem to be in violation of federal law. 
A formal response from Experian outlining how they plan to resolve this issue and prevent future occurrences.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Good afternoon. I am in the mortgage lending industry and was laid off about two and half years ago from my position. The layoff was due to mortgage interest rates increasing. I was unemployed for good deal of time, depleted all of my savings, and relied on credit cards to carry me through. 

I secured a position with the Georgia Department of Community Affairs, Homeownership division in XX/XX/year> assisting low to moderate income borrowers. Before being hired, it has been very challenging to find positions in mortgage lending since rates have increased, home prices have not come down, and significantly decreased mortgage applications. 

Although I love my job and my firm 's mission to help people, the position pays about 22 % less than private sector type positions. This has caused a substantial hardship and strain to avoid bankruptcy. 

I have since sold my home, used what little equity I had to pay down debt and move into a small affordable apartment within walking distance of my workplace to decrease my monthly expenses. 

I have learned to be very frugal with my income, eliminating any expense that is not a necessity, and have worked tirelessly in renegotiating repayment terms with my credit card/revolving creditors. For example, I negotiated a fixed rate 0 % repayment plan over 5 years with my all of my credit card/revolving creditors including XXXX and XXXX XXXX XXXX XXXX However, I have been unable to do so with Bank of America. 

I have tried to negotiate a lower payment to a monthly payment that I can afford with Bank of America. They offered a temporary 0 % repayment rate for a short period of time but after this period of time they would not go any less than 5 % over a 5 year term which is still unaffordable for me. 

Being in finance and very aware of the Federal Reserve 's rates, Bank of America, in my opinion can lower my rate and still be made whole on the entire balance owed. I want to repay what I am obligated to pay but their 5 % rate and payment is simply too much for me to afford. 

I am requesting the CFPB 's intervention for assistance to obtain a lower rate and payment that I can afford while repaying the debt in its entirety. 

Anything the CFPB can do would be 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 2025-01-11 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: TN

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-11 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-11 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-11 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: NJ

Complaint narrative:
I am filing this complaint to notify Equifax that a crime has taken place concerning my identifying information and my credit report. A suspect has applied for credit in my name and has destroyed my credit reputation. Credit reporting agencies have a duty to only report fair and accurate information. I believe that reasonable procedures should be in place to make sure that the consumer consents before any information that is fraudulent gets furnished and reported. 
Please block these fraudulent accounts within 4 days. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
This was deleted from all credit agencies except Experian. All the information on XXXX XXXX and Experian are correct. Please update all information to be exactly the same as the other companies. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed my date of birth three times with Equifax. Every time they falsely resolved my disputes but never updated my date of birth. 
They are not updating my current address either, even though I provided it. They keep showing my previous address as my current address and my current address as my previous address. 
I even called them. Their support said they can't update the report as they don't have any control over the information in my report ON THEIR WEBSITE. They are ridiculous to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AL

Complaint narrative:
Transuion and XXXX shows tons of inquiries on my credit report. Ive called to have these removed. The inquiries were removed then added back to my report. Ive called them about this issue and keep getting the run around and finally was told that the inquiries would be removed within 30days. There still showing on my 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Two Wells Fargo credit cards ( XXXX XXXX and Wells Fargo XXXX XXXX ) were selected for income verification on XX/XX/XXXX. I received a letter XX/XX/XXXX requesting I fax a completed form 4506-C, along with two cardholder consents to tax return information, by XX/XX/XXXX. 

I submitted these forms, and Wells Fargo successfully verified my income ahead of the deadline, unblocking one of my cards ( Wells Fargo XXXX XXXX ). However, my XXXX XXXX was not unblocked, as Wells Fargo had already closed it, ahead of the deadline they stipulated. They claimed they could not possibly reopen it despite my income having now been successfully verified by the IRS. 

The account closure letter, and written responses to prior complaints, are both directly contradicted by what I've been told on many recorded phone calls. The XXXX card was closed prematurely when the form 4506-C did not include a timeframe- as the request letter specified none - and so no information was ever received from the IRS. 

If IRS info truly did not match my information- as Wells Fargo claims in writing ( though never over the phone ) - I would not have been able to verify my income immediately thereafter and unblock my XXXX XXXX. 

I simply want my credit card reopened. They tell me to just reapply, because they know I am who I say I am, and their broken bureaucracy is at fault for this mess. But Wells Fargo has broken multiple credit access laws through their unworkable processes, and they, not I, should have to make amends. 

This is a widespread issue, with many others reporting the same practical impossibility of passing income verification with Wells Fargo failing to specify the exact info they're looking to verify from the IRS : 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 2025-01-11 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:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: AL

Complaint narrative:
XXXX and Equifax shows tons of inquiries on my credit report. Ive called to have these removed. The inquiries were removed then added back to my report. Ive called them about this issue and keep getting the run around and finally was told that the inquiries would be removed within 30days. There still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!!

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 2025-01-11 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My banking account was breached and in addition my information has been breach. trans Union is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over five inquiries and all of them are incorrect. I would like to remove. I want the light removed Ify as I have already spoken with XXXXXXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last two years, so please have it removed along with the FTC report has been sent,

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 2025-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My banking account was breached and in addition my information has been breach. XXXX XXXX is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over five inquiries and all of them are incorrect. I would like to remove. I want the light removed Ify as I have already spoken with XXXXXXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last two years, so please have it removed along with the FTC report has been sent,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
My banking account was breached and in addition my information has been breach. XXXX XXXX is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over five inquiries and all of them are incorrect. I would like to remove. I want the light removed Ify as I have already spoken with XXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last two years, so please have it removed along with the FTC report has been sent,

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