vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have an account with a company called XXXX XXXX. I have never had any late payments. I have noticed that since I have been disputing items regarding my balance to CFPB as well as to each individual Credit Bureau 's, XXXX XXXX as well as a few other companies, have been reporting my credit usage several times within the same month. 

My Credit statement is from the XXXX of the month until the XXXX of the month. This changed XX/XX/XXXX. Previously, it was from the XXXX ( or whenever each month ends, ex XXXX for XXXX, XXXX for XXXX, XXXX, etc ). 

Starting around XXXX of this year, ( XXXX ), they have been reporting my balances and as my balances have increased, my credit score has dropped drastically. I called them on XX/XX/XXXX after I noticed this pattern and after my score decreased drastically of this. My Case # is XXXX ( XXXX XXXX  ). They could see what my balances were at the end of the billing cycle and what they were reporting, which was totally different, however, they wanted me to go back online and supply them with what I saw on my credit report, as if they were oblivious to what they were seeing and what they reported. I advised them that I refused to do their job for them and they could SEE what I was looking at. 

They never resolved this issue and I have lost well over XXXX points with XXXX alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
I have an account with a company called XXXX XXXX. I have never had any late payments. I have noticed that since I have been disputing items regarding my balance to CFPB as well as to each individual Credit Bureau 's, XXXX XXXX as well as a few other companies, have been reporting my credit usage several times within the same month. 

My Credit statement is from the XXXX of the month until the XXXX of the month. This changed XX/XX/XXXX. Previously, it was from the XXXX ( or whenever each month ends, ex XXXX for XXXX, XXXX for XXXX, XXXX, etc ). 

Starting around XXXX of this year, ( XXXX ), they have been reporting my balances and as my balances have increased, my credit score has dropped drastically. I called them on XX/XX/XXXX after I noticed this pattern and after my score decreased drastically of this. My Case # is XXXX ( XXXX XXXX  ). They could see what my balances were at the end of the billing cycle and what they were reporting, which was totally different, however, they wanted me to go back online and supply them with what I saw on my credit report, as if they were oblivious to what they were seeing and what they reported. I advised them that I refused to do their job for them and they could SEE what I was looking at. 

They never resolved this issue and I have lost well over XXXX points with XXXX alone.

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 2024-06-11 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was signed up to a membership and charged by another company under there account a fee of XXXX Had to figure out what company this fee was attached to. 16 pages to find out how to cancel membership.

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 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My primary residence was a total loss as a result of the XXXX XXXX  of XXXX. Its been nearly 4 years since the house burned down and I am only now ready to proceed with the rebuild. Due to many delays that were out of my control. Wells Fargo has extended forbearance and deferments of my mortgage payments during this process, however they failed to properly disclose to me that those arrearages would be due and payable in full prior to me rebuilding otherwise they would foreclose, which is what they are now doing. 
They could not produce one document that states would be the case let alone one that I had signed/acknowledged. This action that they are taking is predatory. 
They have all of my insurance proceeds In an escrow acct which they are owners on as well, they will be forfeited once they foreclose as I understand. 
PLEASE help me. I lost everything but now have a wife and a XXXX  that I would like to be able to proof home for. I will never be able to own a home in my community if Wells Fargo takes this from us.

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 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute of Incorrect Credit Reporting - Account : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report. Despite multiple disputes with the credit bureaus, the inaccurate information remains uncorrected. As such, I am escalating this issue through the Consumer Financial Protection Bureau for immediate and thorough investigation and resolution. 

The account in question is reported as XXXX. The details are as follows : Original Creditor : XXXX XXXX XXXX  Original Account Number : XXXX Current Owner : XXXX XXXX XXXX XXXX XXXX. 

I have enclosed a letter dated XX/XX/year>, from XXXX XXXX XXXX ( XXXX  ), the current owner of the debt. The letter confirms that the account has been closed, collections have ceased, and I have no further obligation regarding this account. They sent this letter after I asked for debt validation. Given this confirmation, the continued reporting of this account as a charge-off by XXXX on my credit report is both inaccurate and misleading. 

As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report only accurate and complete information. Specifically, 15 U.S. Code 1681i ( a ) requires that credit reporting agencies conduct a reasonable reinvestigation to ensure the accuracy of the disputed information. Furthermore, 15 U.S. Code 1681s-2 prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. 

Given that the debt has been resolved as per the attached correspondence, the continued reporting of this account by XXXX as a potentially negative item violates the FCRA. I request the immediate removal of this inaccurate account from my credit report. 

Enclosures : XXXX XXXX XXXX XXXX dated XX/XX/year> I expect the credit bureaus to comply with FCRA guidelines and remove this erroneous account from my credit report. Please acknowledge receipt of this letter and inform me of the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter.

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 2024-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute of Incorrect Credit Reporting - Account : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report. Despite multiple disputes with the credit bureaus, the inaccurate information remains uncorrected. As such, I am escalating this issue through the Consumer Financial Protection Bureau for immediate and thorough investigation and resolution. 

The account in question is reported as XXXX/XXXX. The details are as follows : Original Creditor : XXXX XXXX XXXX  Original Account Number : XXXX Current Owner : XXXX XXXX XXXX XXXX XXXX. 

I have enclosed a letter dated XX/XX/2024, from XXXX XXXX XXXX ( XXXX  ), the current owner of the debt. The letter confirms that the account has been closed, collections have ceased, and I have no further obligation regarding this account. They sent this letter after I asked for debt validation. Given this confirmation, the continued reporting of this account as a charge-off by XXXX/XXXX  on my credit report is both inaccurate and misleading. 

As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report only accurate and complete information. Specifically, 15 U.S. Code 1681i ( a ) requires that credit reporting agencies conduct a reasonable reinvestigation to ensure the accuracy of the disputed information. Furthermore, 15 U.S. Code 1681s-2 prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. 

Given that the debt has been resolved as per the attached correspondence, the continued reporting of this account by XXXX as a potentially negative item violates the FCRA. I request the immediate removal of this inaccurate account from my credit report. 

Enclosures : XXXX XXXX XXXX XXXX dated XX/XX/2024 I expect the credit bureaus to comply with FCRA guidelines and remove this erroneous account from my credit report. Please acknowledge receipt of this letter and inform me of the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-11 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 want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted an identity theft report from Federal Trade Commission as well as a letter stating the theft and proper identification. According to 15 USC 1681c-2 upon submitting these documents the credit reporting agency is supposed to block the files from my report within 4 business days. I spoke with XXXX at Experian and he said this wasnt enough to get these accounts blocked from my file. According to FCRA this is willful noncompliance

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 2024-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Numer : XXXXXXXX XXXX XXXX XXXXXXXX Account Numer : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have overdraft turned off of my bank account ; Instead of properly refusing the charge USBank ignores the setting and overdrafts the account. 

Usually I can get funds to get the charge waived, but I am stressed after having this setting disrespected by the USBank banking app. I would rather the bank respect the setting and not overdraft the account. 

I note that I have called them last year, and turned off overdraft in the XXXX  USBank app, both times they certified over the phone that they had turned off overdraft for the account ( in app via overdraft and over the phone with customer support )

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 2024-06-11 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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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