vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-08-13 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-13 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a 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 this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. ALL DEPT OF ED XXXX XXXX. {$3500.00}, XXXX, XXXX, XXXX, XXXX, {$350.00}, {$560.00}

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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2024, I submitted complaint # XXXX. On XX/XX/2024, Wells Fargo replied that they had investigated and closed the matter. My complaint centered around the fact that I was induced to open a " XXXX XXXX  '' with approximately {$300000.00} based on a promise of a {$2500.00} bonus. Wells Fargo 's arbitrary settlement was to credit my account with {$500.00}. I know Wells Fargo 's settlement was arbitrary. I also believe it was in bad faith because Wells Fargo settled the same matter with my friend, who was similarly induced to open a " XXXX XXXX  '' by crediting her the {$2500.00} bonus and {$1200.00} for the inconvenience. As a show of good faith, I did not move my money from the XXXX XXXX  for nearly 1 year, and I lost interest and opportunity during that time. Since XXXX, I have been assigned to various internal Wells Fargo agents and sent gobbledygook letters concerning the matter, all in an attempt to bury me in bureaucracy.

I respectfully submit that, if the CFPB is to be an effective consumer watchdog, there must be an avenue for consumer recourse ( without the prohibitive cost of a lawsuit ) when a banking institution like Wells Fargo, notorious for its consumer scandals, closes a CFPB complaint without a satisfactory resolution.

All the related documents were uploaded to the CFPB when I submitted complaint # 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 2024-08-13 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Has violated my rights 15 U.S.C 1681 section 602 A, States I have the right to privacy 15 U.S.C 1681 section 604 A section 2, state a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following item of information other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall 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.

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 2024-08-13 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Has violated my rights 15 U.S.C 1681 section 602 A, States I have the right to privacy 15 U.S.C 1681 section 604 A section 2, state a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following item of information other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall 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.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's American Express offered XXXX zero to low-interest balance transfer offers, which I accepted. As a store card, I have also used the Macy 's American Express to make purchases from Macys.

When I make payments sufficient to pay off the amount of the clothing purchases, Macys does not apply the payment in full to the purchases, but rather to the zero to low-interest balances, so the purchase amounts end up having very high interest 31.999 % applied to them. 

Aren't they required to pay off high interest rate balances first? 

These devils trick people into 32 % interest.

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 2024-08-13 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: MD

Complaint narrative:
My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>2024, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXXXXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report.

I am requesting that the late payment remarks be removed for XXXX and XX/XX/scrub> 2024.

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 2024-08-13 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: MD

Complaint narrative:
My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>2024, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXXXXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report.

I am requesting that the late payment remarks be removed for XXXX and XX/XX/scrub> 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>2024, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXXXXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report. 

I am requesting that the late payment remarks be removed for XXXX and XX/XX/year>2024.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are numerous items of information that are being reported within my credit reports that are incorrect.

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 2024-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
$ XXXX-balance Total loss vehicle.. XXXX XXXX covered remaining balance. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-13 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm contacting you regarding fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or approval, causing me considerable anxiety. I've fallen victim to identity theft and have already reported this incident. This situation requires immediate attention, as it has negatively affected my financial stability and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide any necessary evidence and, if needed, pursue legal action to defend my rights and seek appropriate redress. Your quick response to this pressing matter is greatly valued.

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 2024-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief