vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: CA

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 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 2024-08-26 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: CA

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 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 2024-08-26 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.

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 2024-08-26 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.

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 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Issuer XXXXCOMENITY CAPITAL BANK  Account # XXXX Debt Collector XXXX XXXX  Account # XXXX A store credit card was opened in XXXXXXXX XXXX XXXX without my permission. I reached out several times to inquire about how my identity was verified, and no one could provide information via email. A charge of {$62.00} was billed on XX/XX/year> however, the credit card was never activated by me ( XXXX XXXX XXXX. I filed a complaint with XXXX 's online customer service and it was dismissed. XXXX collected a total of {$400.00} in late fees and interest before sending the account to the delinquent on XX/XX/year>. The information provided was given by XXXX XXXX whom XXXX sold the debt to. XXXX confirmed a ( XXXX ) month period was accumulated to collect late fees and interest.I was informed by debit collector XXXX XXXX XXXX XXXX ) payments were made on the card that I did not authorize. XX/XX/year>, for {$35.00} USD and XX/XX/XXXX, XXXX USD XXXX total of USD {$83.00} for a {$62.00} charge. I am reporting these charges as fraud as I did not make these purchases or payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
On XX/XX/year> I sent mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship. 

I also am disputing XXXX collections account that I have no services with that is reporting inaccurately on my credit report. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX Please all accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-08-26 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:
On XX/XX/year> I sent mail included a copy of my XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX. This has cause me great anxiety, stress, and financial hardship. 

I also am disputing XXXX collections account that I have no services with that is reporting inaccurately on my credit report. 

XXXX XXXX # XXXX XXXX XXXX # XXXX Please all accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX

ACCOUNT NAME:  XXXX XXXX 
ACCOUNT NUMBER: XXXX XXXX XXXX XXXX  

DELETE THIS ACCOUNT DUE TO INACCURACIES OF BALANCE AMOUNT REPORTED XXXX ON EQUIFAX, XXXX  AND XXXX.
XXXX XXXX XXXX XXXX XXXX WHO REPRESENTS XXXX XXXX XXXX  PROVIDED ME BY MAIL VERIFICATION OF MY ACCOUNT DETAILS. 
PAYMENT HISTORY OF ACCOUNT DETAILS THAT ( XXXX) VERIFICATION PROVIDED, SHOWS BALANCE AMOUNT OF "XXXX", FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXX. BUT YET EQUIFAX XXXX  AND XXXX  SHOWS XXXX. XXXX XXXX XXXX  RESPONDED ON MY FEEDBACK THROUGH CFPB THAT MY ACCOUNT IS HANDLED BY OUTSIDE COUNSEL.  BUT YET I RECEIVED A LETTER IN THE MAIL XXXX  XXXX XXXX XXXX  SAYS THE INFORMATION THAT THE CREDIT REPORTING AGENCIES ARE REPORTING IS VERIFIED AS ACCURATE AND COMPLETE BUT YET THEIR OWN COUNCIL XXXX XXXX XXXX XXXX SAYS DIFFER WITH THE VERIFICATION DOCUMENTS THAT WAS PROVIDED TO ME.
THE CREDIT BUREAU STATED THAT MY ACCOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE BALANCE AMOUNT IS DIFFERENT FROM THE VERIFICATION I RECEIVED FROM THE LAW OFFICE THAT REPRESENTS XXXX XXXX XXXX THIS IS GROUND FLOOR REMOVAL THEY HAVE VIOLATED MY RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today XXXX XXXX I was left a voicemail stating an urgent legal matter. I called the number that left the voicemail XXXX, they been calling family members from a XXXX. I spoke with a women who said she needed to download my file but was not telling who the creditor was, she tells me the file is from Wells Fargo, a debt from XXXX During our conversation she proceeds to mock me, because I was confused and irritated by the unprofessionalism, she tells me that I need to go to court and pay my bills.before hanging up she cursed and hung up. I attempted to call back at least fives times and nobody has taken my call. They have reached out to family members leaving the same voicemails.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently paid my card in full and requested that the latest interest charge and cash advance interest charge be refunded. Almost all banks refund the latest interest charges when the balance is paid in full. When calling in today, I was told the system rejected a refund option and that they can not override it as the charges are valid - yes, the charges are valid, but in a case where the entire balance is paid, there should be consideration or grace ( like other major banks ) regarding the same. I want to ensure that Capital One is doing everything in their power regarding these fees in light of paying the entire balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
Im just going to state thoroughly how disappointed and frustrated I am with the horrible job that this bank has done with the security of my account and the process that they are putting me through to rectify this. Not only did this horrible institution allow a scammer to gain access to my account but also to get in and change personal information details such as phone number email and etc. Ive been trying to get access to my personal account now going on XXXX days now and have gotten absolutely no luck with this and no help whatsoever from the account recovery team. Ive attached the correspondence from with Ive attached my photo state issued ID XXXX different times and all were rejected for not specific reasons. And I keep being asked to go back and do it again and again and again and again. I dont know how you people sleep at night knowing how awful you made an already terrible experience that much worse. I been with usaa XXXX years I will never again once I do get this thing situated hopefully eventually.

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
basically i had a high credit limit for a few months without knowing because the bank didnt update my address when i informed them! so when i checked in on my account i saw it was over due so i payed XXXX to bring it current then i also payed XXXX and changed my minimum monthly payment only to find out a week later that they revoked my credit... no warning no call no text just ended my XXXX XXXX XXXX account XXXX limit... i called to change the due date and thats when i found out... i didnt even call for this reason i only found out because they said they could change my billing cycle and when they looked into it they said it was because my credit was revoked XXXX weeks ago ( the XXXX of XXXX ) its the XXXX as i right this now... i am beyond XXXX because the credit history for my business is gone now...

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-26 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: FL

Complaint narrative:
As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, bill, and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -- 5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block the information from my credit report within XXXX business days, pursuant to section 605c of the Fair CreditReporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX balance {$2500.00} - XXXX XXXX balance {$270.00} XXXX XXXX balance {$40000.00} - XXXX XXXX balance {$12000.00} - XXXX balance {$890.00} - XXXX balance {$970.00} - XXXX balance {$450.00} - XXXX balance {$690.00}. I have given you my identification as well as the information requested from the list of acceptable, which only XXXX are required per the law. I have provided all needed documentation as well as victim determination letter according to 1022.142 ( b6 ).

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres an unfamiliar account listed on my credit report that I didnt open. I suspect it could be related to identity theft or fraud.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At some point in XX/XX/year>, someone stole my XXXX XXXX XXXX  XXXX credit card number and made a number of fraudulent purchases, including Experian credit monitoring. This was reported as fraud. The same fraudulent charge showed up on XX/XX/year>. This was reported as fraud. The fraud has since been repeated on XX/XX/year> and XX/XX/year> - and has been reported as fraud to XXXX XXXX XXXX. I've attached the receipt for the fraudulent service- notably, I'm not the person receiving it!

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 2024-08-26 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: CA

Complaint narrative:
I have been dealing with this since a long time ago. My cousin XXXX XXXX used my information without my knowledeg to open accounts without my knowledge. I need help in removing these things from my credit 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