vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a business account with Wells Fargo. On XX/XX/XXXX, an unauthorized transaction was charged to my account : three charges of {$21.00}, {$42.00}, and {$42.00} from XXXX XXXX. The charges went through XXXX, which took the payment out of my business account. I contacted XXXX to say the charges were unauthorized and I had not bought anything from XXXX XXXX for 2 years. XXXX informed me that I had a former relationship with XXXX XXXX, and they refused to reimburse me. 
Wells Fargo had charged me 3 overdraft fees of {$35.00} a piece. I have a XXXX XXXX and my money comes in sporadically as I am paid by insurance companies. I don't usually have extra money in my account as I have a 1099 worker I must pay as well as rent and other bills. 
After XXXX refused to provide me with any help, I contacted Wells Fargo and filed a dispute. However, they informed me that they could not help because XXXX stated that I had a relationship with the company. Neither XXXX nor Wells Fargo acknowledged that I had not bought anything from XXXX XXXX for 2 years. 
I contacted XXXX XXXX who informed me that the charges were for the company saving my files in their vault. I told them I had never agreed to that and they canceled that plan. They had also promised to reimburse me for the unauthorized charges, but I never received the reimbursement. I had also told Wells Fargo about my contact with XXXX XXXX, but they still told me there was nothing they could do. 
The extra {$210.00} that was withdrawn from my account, including the original withdrawals and the overdraft fees, caused a cascade effect that has led to {$1100.00} in overdraft fees since XXXX. I had called Wells Fargo twice to ask for help in stopping these increasing overdraft fees. They reimbursed me for XXXX overdraft fees, {$70.00}. I was told that they are only allowed to reverse XXXX overdraft fees a year. They also told me there was nothing else they could do to help me. 
The overdraft fees of {$1100.00} over the last 2 months have caused me a tremendous financial burden. As of today 's date, XX/XX/XXXX, I am still being charged overdraft fees. I don't know what to do, and Wells Fargo has refused to help me. I will probably close my account with Wells Fargo, however, it is a nightmare trying to change all the insurance companies that I receive payments from.

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 2025-01-04 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:
This morning, I discovered incorrect accounts listed on my credit report, and Im completely baffled as to how this happened. I check my credit report regularly, and everything was fine until today when these errors appeared out of nowhere. I even tried refreshing the page, thinking it might be a browser glitch, but the inaccuracies stayed. Im pleading for a thorough review of the documents Ive submitted to resolve this once and for all, so I can stop living in constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IN

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I had received XXXX XXXX payments for {$200.00}, {$200.00}, {$500.00} from 2 associates of a coworker which I had later sent the money through XXXX to XXXX different accounts, XXXX of them {$500.00} and XXXX for {$300.00} the same day he needed me to because he does not have an account and I trusted him because he is a coworker. The very next day on XX/XX/year> my funds are frozen and I can not make any transactions I call Bank of America and they wouldnt give me info besides they chosen to not do business with me. I have banked with them for 14 years and have never had a problem like this now all my funds are locked in an account thats closing

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 2025-01-04 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Reported credit card through Citicards CBNA opened without my knowledge to all XXXX  credit bureaus on XX/XX/year>. XXXX alert and freeze added to all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-04 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: NV

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 2025-01-03 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 accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to report unauthorized credit inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 604 ( 15 U.S.C. 1681b ), credit reports can only be accessed for permissible purposes, such as credit applications or employment screening.

Upon reviewing my credit report, I identified the following inquiries that I did not authorize : XXXX. XXXX XXXX ( XXXX ) - XXXX Date : XX/XX/year> XXXX. XXXX XXXX ( Bank ) - XXXX Date : XX/XX/year> XXXX. XXXX ( XXXX ) - XXXX Date : XX/XX/year> XXXX. XXXX XXXX ( XXXX ) - XXXX Date : XX/XX/year> XXXX. XXXX ( Bank ) - XXXX Date : XX/XX/year> XXXX. XXXX XXXX ( Bank ) - XXXX Date : XX/XX/year> I did not authorize these companies to access my credit report and have no business relationship with them that would justify these inquiries. 

I request that the FTC investigate this matter and take appropriate action to ensure compliance with the FCRA. I have attached a copy of my credit report highlighting these unauthorized inquiries for your reference. 

Thank you for your assistance. Please let me know if additional information is required.

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 2025-01-04 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: NY

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.Please delete all these fraudulent accounts none of the listed is associated with me. 
The account listed are not transactions done by myself.

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 2025-01-04 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.Please delete all these fraudulent accounts none of the listed is associated with me. 
The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NM

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
on XX/XX/year>, i tried to make a purchase and card had declined. I made contact with my bank and after some research they told me that my bank account had been frozen due to a law firm taking action against me on a debt owed. I then called the company XXXX XXXX XXXX XXXX XXXX out of XXXX XXXX, IA ). they notified me that i owed a debt of {$1500.00} and they took action to freeze my bank account. I then made some phone calls and decided to pay the amount in full on XX/XX/year> over the phone with a different account to settle the debt. The payment then processed 6 days later and was considered paid in full. Fast forward to XX/XX/year>, I checked my bank account and noticed it was unfrozen with a balance of {$0.00}. a transaction labeled " garnishment '' and transaction type " withdrawal '' of XXXX was taken out of my account from XXXX XXXX XXXX XXXX. I immediately called the law firm and requested my refund snice the account was paid in full from a different account. They stated that my local sheriffs department was in charge of releasing those funds to them and then they would refund me. I contacted my local Sheriffs Department and talked to the person in charge of garnishments and he had told me that the Sheriffs Department is not responsible for holding money or dealing with anything that has to do with money. They only deliver paperwork. I then called XXXX back and told them exactly what the XXXX said and he then got hostile and told me there is nothing they can do for me to refund me my money until the Sheriff authorizes it. 

I want to report this abusive behavior of this law firm and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NJ

Complaint narrative:
TransUnion is reporting the account XXXX  ( Account Number : XXXX ) with a 30-day late payment, which I did not authorize or consent to. This reporting violates my rights under the FCRA, specifically 15 USC 1681b, which outlines the permissible purposes for accessing and reporting consumer information. Furthermore, I have identified discrepancies between the information reported by TransUnion and other credit bureaus, suggesting a failure to comply with the requirement to maintain the maximum possible accuracy under 15 USC 1681e ( b ). This inaccurate reporting has severely affected my credit profile and harmed my ability to obtain financial opportunities. I request an immediate investigation into this account 's reporting. If this issue is not resolved quickly, I will seek {$1000.00} in damages for willful non-compliance under 15 USC 1681n. Please address this matter urgently to prevent further action.

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I am currently with mohela I signed up for student forgiveness Ive received emails back to back about my loan the cost etc however each time it changes they are maddening my account at this point. I need assistance asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation