vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Chapter XXXX bankruptcy case number XXXX has been completed and debts were fully XXXX. Accounts listed on my credit report which were included in the bankruptcy should reflect a {$0.00} balance. Some accounts also fradulently report that the account was included in Chapter XXXX. That is incorrect information. XXXX NM also incorrectly includes a status of " charged off ''. The account was not charged off but was included in Chapter XXXX bankruptcy and fully XXXX. 

Debts that are XXXX in a chapter XXXX bankruptcy should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as " past due '' once the bankruptcy has been filed. 

Creditors who continue to report the debts listed in my bankruptcy schedule as past due or with a balance due after I received my bankruptcy XXXX, are robbing me of my fresh start... .and a a result I have been damaged : I have been robbed of my fresh start. 

I want all accounts, with the exception of the newly opened XXXX  XXXX account on which I am an authorized user only, to be updated to accurately reflect the fresh start granted to me by the courts. 

I filed a previous complaint regarding this issue and the credit bureaus took more than 30 days to investigate which is a direct violation of the FCRA. Should this issue continue to go unresolved I will pursue the assistance of a legal team.

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 2024-03-06 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: AL

Complaint narrative:
XXXX  XXXX bankruptcy case number XXXX has been completed and debts were fully discharged. Accounts listed on my credit report which were included in the bankruptcy should reflect a {$0.00} balance. Some accounts also fradulently report that the account was included in XXXX  XXXX. That is incorrect information. XXXX XXXX  also incorrectly includes a status of " charged off ''. The account was not charged off but was included in XXXX  XXXX bankruptcy and fully discharged. 

Debts that are discharged in a XXXX  XXXX bankruptcy should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as " past due '' once the bankruptcy has been filed. 

Creditors who continue to report the debts listed in my bankruptcy schedule as past due or with a balance due after I received my bankruptcy discharge, are robbing me of my fresh start... .and a a result I have been damaged : I have been robbed of my fresh start. 

I want all accounts, with the exception of the newly opened XXXX  XXXX account on which I am an authorized user only, to be updated to accurately reflect the fresh start granted to me by the courts. 

I filed a previous complaint regarding this issue and the credit bureaus took more than 30 days to investigate which is a direct violation of the FCRA. Should this issue continue to go unresolved I will pursue the assistance of a legal team.

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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As legal counsel, it is imperative to elucidate that the XXXX XXXX of Bank of America, CA has evidently failed in its fiduciary duty to diligently authenticate the identities of account holders. This negligence has resulted in the unauthorized cashing or depositing of funds issued to legitimate entities such as " XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX '' into personal accounts. Consequently, Bank of America bears liability for the wrongful appropriation of funds totaling {$16000.00}. Furthermore, the individual responsible for the unauthorized withdrawals has been charged with a XXXX in the County of XXXX XXXX, California. This occurrence serves as unequivocal evidence of Bank of America 's failure to authenticate identities thoroughly. Additionally, attached herewith are detailed evidence consisting of XXXX checks ( referenced on pages XXXX and XXXX ) along with comprehensive documentation outlining the entirety of the incident. Therefore, it is incumbent upon Bank of America to promptly redress this grievance by reimbursing the aforementioned sum to the aggrieved party. 
Initially, communication was initiated with the plaintiff 's bank, XXXXXXXX XXXX in accordance with standard protocol. However, Bank of America demonstrated a reluctance to engage in collaborative efforts with XXXXXXXX XXXX regarding the incident in question. Notably, XXXXXXXX XXXX  has confirmed solely that the checks were indeed cashed within Bank of America 's domain. Subsequent correspondence from Bank of America attempts to assert that the incident transpired too long ago to warrant verification via their systems, a contention that defies rational scrutiny. Such assertions only serve to obfuscate the bank 's accountability in this matter. Therefore, Bank of America must be held accountable for its failure to engage in due diligence and to rectify the financial losses incurred by the plaintiff.

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 2024-03-06 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: PA

Complaint narrative:
Unauthorized use of my consumer 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 2024-03-06 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: Grain Technology, Inc.
State: MI

Complaint narrative:
Account name GRAIN TECHNOLOGY INC Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$550.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$500.00} Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days past due as of XXXX XXXX XXXX  days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Remove the fraudulent items from my credit report immediately, as mandated by FCRA Section 605B. I have provided the necessary documents for blocking the erroneous information, and I expect prompt compliance with the Fair Credit Reporting Act. Failure to act within the specified timeframe will result in legal action. 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  Please remove these items ASAP.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo is denying my dispute and for some reason every time I call I either get hung up on ignored they say the same thing and act like robots. Wells Fargo isnt following regulation and is refusing to tell me why my dispute got denied. I would like to help the CFPB start an investigation/lawsuit against Wells Fargo and one of the employees called me a XXXX and hung up! I want my money back it is a huge sum. I dont want to wait 60 days I want my money back now. I will be stop using Wells Fargo once I get my money back worst bank I have seen! I will continue to be annoying and open multiple claims against Wells Fargo until I get my money back! And I also requested a call back for XXXX weeks now and still havent got a call back. And every time agent get assign to me they give me a fake number and dont even answer!

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Just to give some base information : Our home Mortgage is through Mr. Cooper which is a brand name for Nationstar Mortgage LLC. XXXX is who are bills are addressed from which is subserviced by Mr.Cooper. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/2024. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at Mr. Cooper sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/2024. I will also attach a statement showing XXXX payment on XX/XX/2024 and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. Under 15 USC 1681 SECTION 602, states that I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 2024-03-06 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: PA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. Under 15 USC 1681 SECTION 602, states that I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-03-06 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: OK

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
I am writing to you regarding unauthorized inquiries on my credit report that are associated with numerous companies. As a victim of identity theft, I recently discovered multiple inquiries on my credit report that were not authorized by me. I have taken immediate steps to address the identity theft issue and have active alerts on my profile to prevent further unauthorized activity.

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 2024-03-06 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-06 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
I had a case of identity theft and notified all creditors on my report. I received a response back from XXXX  XXXX XXXX stating they will be removing the account from credit reporting agencies. I sent a copy of this letter to all three credit bureaus by Certified Mail. In the letters I requested the deletion of the account, per the promise I received from XXXX  XXXX XXXX. It is now XXXX and XXXX  XXXX XXXX, XXXX, and Equifax have failed to delete the account. I sent a similar letter to XXXX, and the account was promptly deleted. The law dictates that all of my consumer reports have the same information and be identical to one another. I am requesting XXXX and Equifax to follow suit with XXXX in deleting this account so that all of my consumer files are the same. I have attached the letter from XXXX  XXXX XXXX and the deletion from XXXX to further expedite this request. I pray that XXXX and Equifax acts in good faith to ensure this account is removed promptly. It is considered inaccurate information and is damaging my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: OH

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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. I'm requesting that the accounts above be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I met a couple ladies at a bar on a trip to XXXX this past weekend on XX/XX/year> and one them went by the name of XXXX  ( Real first name XXXX ) and her friend XXXX XXXX. These two collaborated somehow to scam me out of {$3000.00}. They both had a motif to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take me back to my hotel and I was not aware of my surroundings in which they used use my phone to do the Zelle  transfer. I had no recollection of this even happening until my wife noticed it when she checked in the morning. I have found out thru my institution XXXX  XXXX XXXX that this was transferred to another XXXX  XXXX XXXX account. I am lost and contacting all outlets to help me from these scammers. I would file a police report but I had to fly back to where I lived in Florida. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
I am writing to you regarding unauthorized inquiries on my credit report that are associated with numerous companies. As a victim of identity theft, I recently discovered multiple inquiries on my credit report that were not authorized by me. I have taken immediate steps to address the identity theft issue and have active alerts on my profile to prevent further unauthorized activity.

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