vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( NFCU ) for an account that was included in my XXXX XXXX bankruptcy case, which was discharged on XX/XX/XXXX, in the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX ( Case Number : XXXX ). Despite the account being included in the bankruptcy and the debt discharged, XXXX has reported the following inaccuracies on my credit file : Late Payment Reporting : XXXX has reported late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 30 days late ). These entries are erroneous because any delinquencies occurring after the bankruptcy filing in XX/XX/XXXX are legally irrelevant and should not be reported under the automatic stay provisions of 11 U.S.C. 362 or the discharge injunction under 11 U.S.C. 524 ( a ). 

Incorrect Balance Reporting : As of XX/XX/XXXX, the account still reflects an outstanding balance of {$5400.00} and a past-due amount of {$110.00}. These amounts should have been zeroed out and updated to reflect " Included in Bankruptcy '' or " Discharged in Bankruptcy '' with a {$0.00} balance, as required by law. 

Actions Taken by Me : I sent a written dispute to NFCU on [ insert date ], requesting correction of the inaccurate information. 
I included supporting documentation such as the bankruptcy discharge order and creditor matrix to verify that the account was included in the bankruptcy. 
Despite my efforts, XXXX has not resolved the inaccuracies, and they remain on my credit report, adversely affecting my credit standing. 
Impact on Me : This inaccurate reporting has caused undue harm by misrepresenting my creditworthiness, potentially leading to higher interest rates, denied credit opportunities, and emotional distress. It also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the discharge injunction under the Bankruptcy Code. 

Resolution Requested : Remove all late payment entries associated with this account, including XX/XX/XXXX and XX/XX/XXXX. 
Correct the account status to reflect " Discharged in Bankruptcy '' with a {$0.00} balance. 
Ensure no further inaccuracies are reported for this account. 
I appreciate your attention to this matter and look forward to a timely resolution.

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 2024-11-19 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo is committing Securities Fraud by, taking my Endorsed Promissory Note and securitizing it and depositing it into assett pool to be traded ton the secondary market for gains and dividends to enrich them selves off of my property. 

Please refer to attached documents for full description this of Security Fraud violations 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a notification from Wells Fargo on XX/XX/XXXX that my debit card was declined for insufficient funds. I had not used my debit card all day and physically had it with me, so I logged into my account and saw that {$960.00} was taken from my bank account and the person was still trying to use my information to buy something else. I immediately called Wells Fargo and had them shut off my card and I put in a claim for that money. I spent many days waiting for updates about the claim, and on XX/XX/XXXX I logged back onto my account to see the claim was closed and nobody contacted me. I called to see why Wells Fargo closed the claim without returning the money to my account, and they said they determined it not fraud. I asked them to tell me anything about the merchant I supposedly spent this money at. I asked for any receipts or proof of merchandise they thought I bought, they could not give me any information because the merchant does not exist ( I had a police officer look it up ). I was told by them the next thing to do was to get the police involved, and so I did just that. I took my account information and my claim number to the police and filed a police report, and gave all of that back to Wells Fargo. They AGAIN closed my claim and said it was not fraud even though they still can not tell me who this merchant is and what I supposedly spent this money on. I have been fighting this for a month now, and all I want is justice and the money that was stolen from me back.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MI

Complaint narrative:
I do not know what these companies are. I did not authorize them to have my information. This is fraud. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
This is for Regions bank my account got hacked the first day, I deposited a check in savings account the check was real I paid the fee to cash it they wouldn't release my funds Everytime I tried to arbitrate they wouldn't let me, I'm on XXXX XXXX they want let me open a savings or checking account very rude and disrespectful the employees. My whole XXXX check came up missing they wouldn't let me arbitrate call the police Everytime already had money up there

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: MO

Complaint narrative:
I am filing this complaint because upon reviewing my credit report, I recently noticed a discrepancy in my report. I received a notification indicating a collection entry from PLAZA SERVICES LLC on my credit report. According to the report, it was initiated on XX/XX/XXXX for a debt amount owed totaling {$2100.00}. .However, I have no knowledge of this account, contract nor any involvement with PLAZA SERVICES LLC and no proof to how they are the original creditors ; there is no account number attached to the account. I have neither engaged in business transactions with them nor entered into any agreements. Hence, it is unjustified for them to report such information on my credit report. This situation infringes upon my rights as a consumer, as outlined by the FDCPA. I am providing this complaint because because no one from the collection agency have contacted me back with any details. I should not be liable for something that I can't gain proof or there is no account number attached to the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Sunbit, Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year> TD Bank left me a message to call them asap as they believe there was fraud being perpetrated on my bank account. When I spoke to the lady, she asked me if I had my cards on my person and I said yes then she asked me to verify some transactions. I think it was about XXXX of which about XXXX were mine and XXXX were fraud. I had asked her who the vendors were As I was going to call them and ask them to refund the money it was XXXX XXXX in XXXX and I am in XXXX. XX/XX/XXXX I went into my bank account and just about died. A lot of my money had been transferred to XXXX XXXX XXXX and another bank called XXXX. They spent the money in stores in XXXX. I would never send all that money to those apps. I never have. I dont even know the people that they were sending it to. They just put any name. I went into the bank to write a dispute. The lady writing the dispute ran the last XXXX months of my bank statements. I saw so much fraud it was unbelievable. The representative told me that I could write disputes for up to a certain Amount of time. I did. They were all denied, XXXX the one that she had called me on earlier that morning. The reason for the denial was the same on most of them and that was that I had authorised the transactions, And these transactions were consistent with my spending patterns previous history. The only ones I included that I had authorized were for medicine that I had bought that was money back guaranteed. I became so XXXX XXXX XXXX XXXX, my doctor said throw it out immediately and call whoever and tell them that it made you sick and I did. I wanted my money back For this XXXX XXXX XXXX XXXX XXXX, but they had XXXX excuse in the book not to reimburse me. There were XXXX different medications and some gladly reimbursed me. I disputed the ones that hadnt. I do not order online much at all. Before disputing some of them, I called the companies to see if I could get the money back and there were fraud warnings all over the place on some of them. I guess the bank did not research these Companies. I wanted to write a second dispute and include my police report and explanations however they submitted them for a second time without even telling me. They were just denied again. I am out approximately {$3700.00}. I want my money back. I did not make these purchases or give my money away. 
PS. They gave me a new debit card and it happened again approximately XXXX weeks later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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 may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update 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