vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A plumbing company opened up a line of credit with Wells Fargo on our behalf after preforming services. Wells Fargo sent notification for payment of the loan to an old address and did not attempt any other form of communication. By the time the information was received for the account information and how to make payments, we had already received two late payments and a negative report to the various Credit Reporting Agencies for delinquent payments. There were zero attempts to make effective communication between Wells Fargo and ourselves. 

The loan was paid off in full. When contacting Wells Fargo to ask for a " goodwill deletion '', the customer service representative said that Wells Fargo 's company policy prevents them from contacting Credit Reporting Agencies and that by asking for a " goodwill deletion '', I was conducting illegal behavior.

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 2024-07-16 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:
I received my XXXX statement and noticed the interest charge is more then it should be. My balance owed on account as of XXXX XXXX is {$1800.00}. However the interest charged on my balance is {$1700.00}. Base on an interest rate of 29.9 %, my interest rate charged should have been {$540.00}. I called account service phone ( XXXX ) on XX/XX/year> to get an answer but person I contacted would not give me an answer other then repeating what was on my current XXXX statement. Would not give an explanation on the amount of interest charged.

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 2024-07-16 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation ofXX/XX/XXXXXXXX Code XXXX since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2024-07-16 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: DE

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account Name : XXXX  XXXX ( Original Creditor : XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2024-07-16 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: DE

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15.US code 1666 ( b ) billing error- XX/XX/XXXX) the creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally request the immediate deletion of the XXXX XXXX ( XXXX XXXX XXXX XXXX ) account from my Equifax consumer report. This account was reported without my consent and falls under the exclusion section of the Fair Credit Reporting Act ( FCRA ) definitions and rules of construction, constituting identity theft as defined by the Federal Trade Commission ( FTC ). 

Firstly, I want to clarify that this account is not related to any transaction authorized by me. I did not provide any written instructions or consent to your agency to report this account. Reporting an account without the consumers explicit consent is a clear violation of the permissible purpose section of the FCRA. According to this section, credit information can only be reported with the consumers permission or for a permissible purpose defined by the FCRA, neither of which applies in this case. 

The reporting of this account without my authorization directly implicates your agency in willful non-compliance with the FCRA. Under the civil liability section of the FCRA, willful non-compliance holds your agency liable for damages, including actual damages, punitive damages, and costs of legal action, including attorney 's fees. At a minimum, I am entitled to statutory damages of {$1000.00} per violation for this willful non-compliance. 

In addition to the FCRA violations, this unauthorized reporting also constitutes identity theft as defined by the FTC. Identity theft occurs when personal information is used without consent to commit fraud or other crimes. In this case, my personal information was used without my permission to create and report this account, thereby meeting the definition of identity theft. As such, the account is illegitimate and should be immediately removed from my credit report. 

Given these clear violations, I am formally requesting that this account be deleted from my consumer report immediately. Failure to comply with this request will leave me with no choice but to seek legal action. I have been advised by my attorney that these violations provide sufficient grounds for a lawsuit under the FCRA. Not only did your agency fail to obtain my consent, but you also neglected to follow proper procedures for reporting and handling consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


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 2024-07-16 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: CrossCheck, Inc.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: OK

Complaint narrative:
I have tried many times to remove all negative accounts off my credit report with transunion. I had hard inquiries that were supposed to be removed automatically after being on my report for XXXX but they remained on my credit for over a month after they were supposed to be automatically removed. I have requested my credit report by mail and I never received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: AZ

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-07-16 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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
Consumer complaint received 2024-07-16 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-07-16 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: DE

Complaint narrative:
I recently checked my credit report and saw accounts reporting the I do not recognize

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 2024-07-16 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: DE

Complaint narrative:
I recently checked my credit report and saw accounts reporting the I do not recognize

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 2024-07-16 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: NJ

Complaint narrative:
I recently reviewed my consumer report and am deeply disappointed that TransUnion has not yet removed the accounts I have consistently disputed. As a victim of identity theft, I filed a comprehensive report on XX/XX/year>, addressing these issues. The accounts from XX/XX/XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XX/XX/XXXX( Account # XXXX ) are unauthorized and result from identity theft. Despite my efforts and providing sufficient documentation, these accounts have not been removed from my consumer report. This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : ( XXXX ) Violation of Permissible Purpose ( 15 USC 1681b ( 2 ) ) ( 2 ) Violation of Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) ( 3 ) Violation of Civil Liability for Willful Noncompliance ( 15 USC 1681n ) ( 4 ) Violation of Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) ( 5 ) Violation of Other Relevant Provisions, Including Maximum Possible Accuracy ( 15 USC 1681e ( b ) ) I urge you to take immediate action to rectify this situation by removing the fraudulent accounts from my consumer report and ensuring compliance with federal law. I have been diligent in providing all the necessary documentation, including police reports, affidavits, and other supporting evidence, to prove that I am a victim of identity theft. It is disheartening and frustrating to see these unauthorized accounts remain on my report, negatively impacting my XXXX XXXX and financial standing. 

These accounts are not related to any transactions authorized by me, the consumer, as I did not give written instructions to your agency to report these, which is a violation of the permissible purpose section of the FCRA. This violation holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance.

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 2024-07-16 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:
Today I received this notice from Bloomingdales that they are raising the ( or specifically my ) APR to 34.49 %. I realize that because its financial services are based in South Dakota, this is perfectly legal. Still, I wanted CFPB to be aware. It's outrageous and absolute usury.

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 2024-07-16 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: TN

Complaint narrative:
My account with XXXX  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 in those account to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor 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. 


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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief