vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: NC

Complaint narrative:
Looking at my consumer report I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/XXXX XXXX I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
Despite NUMEROUS calls, emails, complaints to FSA, and a previous complaint to CFPB, MOHELA continues to put my student loan into forbearance without my authorization. I am really tired of telling them that I NEVER want a forbearance placed on my account and they DO NOT EVER have my permission to do so. Placing a forbearance on my account negatively affects my payment counts towards my PSLF as MOHELA argues with me that the months I've had a forbearance don't count towards PSLF even though they are the ones who randomly have decided to place me in forbearance. This time I have sent 2 emails that have gone ignored. I called customer service and expressed my concerns and she did not remove my forbearance despite me telling her to. She said she was going to transfer me to a supervisor and instead sent me to a voicemail. When someone tried to call me back, I missed the call and they didn't leave a voicemail. I'm tired of MOHELA fraudulently making changes to my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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:
Hello, my name XXXX XXXX XXXX XXXX. I have recently reviewed my credit report and came across multiple inaccuracies on my credit report. The following information doesnt belong to me. Please correct them immediately as i am unable to verify my identity because of this. I am a victim of identity theft and didnt make these charges. I provided a copy of the FTC report, it was reported to the federal trade commission please remove to correct my credit report thank you for your time.

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 2024-07-26 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:
Hello, my name XXXX XXXX XXXX XXXX. I have recently reviewed my credit report and came across multiple inaccuracies on my credit report. The following information doesnt belong to me. Please correct them immediately as i am unable to verify my identity because of this. I am a victim of identity theft and didnt make these charges. I provided a copy of the FTC report, it was reported to the federal trade commission please remove to correct my credit report thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I HAVE OVERDRAFT PROTECTION ON MY ACCOUNT. I OVERDREW MY ACCOUNT OVER THE XXXX XXXX  THE RULES OF THE BANK IS TO HAVE YOUR ACCOUNT BACK TO A POSITIVE BEFORE XXXX THE NEXT BUSINESS DAY, MADE SURE IT WAS BACK TO A POSITIVE BEFORE THE NEXT BUSINESS DAY. THE BANK CHARGED ME XXXX XXXX WHEN I CALLED THEM TO DISPUTE THE FEE THE STATED THAT THEY COULD NOT REFUND THE XXXXXXXX XXXX EVEN THOUGH I HAD MY ACCOUNT BACK TO THE POSITIVE. THIS IS THE XXXX TIME THIS WEEK THAT THIS HAS HAPPENED WITH TD BACK. I EVEN SPOKE TO A SUPERVISOR ABOUT THIS. NOW MY NEXT STEP IS CONSUMER FINANCIAL PROTECTION BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-26 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: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX pulled an authorized hard inquiry with my credit report. They claimed that there was nothing that could be done about it. They told me that it was out of their control.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello Ive been a customer with Wells Fargo since 2018. Recently I filed a claim because XXXX was stolen from my account and I was told that they were working on the investigation. The economy is already bad and I am struggling to pay my bills so I asked the bank could they issue me a provisional credit in the amount stolen and if not a full credit as least partial credit because there was serious damage done here! Instead of being helped as I was on the phone in tears they kept on making excuses and telling me that there was no way for me to get a provisional credit while I wait on the investigation. This is heartbreaking because Ive been a customer for so long and my voice is not being heard and my feelings are not being took into consideration. On their website they say that they are able to offer provisional credit I strongly feel as though they arent doing everything they can to help me and theyre just brushing me off. My bills are due and this has affected me and my children and my fiancee. Im willing to wait for the investigation to be resolved but please I would like a credit to my account while I wait I cant wait XXXX whole weeks for something to be done please. I just want my money please.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for their failure to maintain accurate address information on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Equifax is currently reporting ten different addresses for me, correctly listing one as my current address and the other nine as past addresses. This is clearly inaccurate, as I have resided at my current address since XXXX. The correct address is : Current Address : 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 According to the FCRA, Equifax is required to : 1. Ensure maximum possible accuracy of the information on my credit report ( Section 607, 15 U.S. Code 1681e ).

2. Disclose accurate and verifiable information to consumers ( Section 609, 15 U.S. Code 1681g ).

3. Conduct a reasonable investigation upon receiving a dispute and correct or delete any inaccurate, incomplete, or unverifiable information ( Section 611, 15 U.S. Code 1681i ). 

Despite my efforts to dispute the inaccuracies and provide sufficient proof of my correct address, Equifax has failed to correct or delete the incorrect information. This excessive amount of inaccuracies in my credit report demonstrates non-compliance with these FCRA sections and poses a risk to my creditworthiness and financial opportunities. 

I request that the CFPB investigate this matter and ensure that Equifax corrects the inaccuracies in my address information. Attached are copies of my drivers license, social security card and a screen shot showing the excessive addresses being reported. I am a victim of identity theft and I am attempting to fix this matter and Equifax is making it extremely hard for me. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Debt was sold to a XXXX XXXX company, XXXX XXXX XXXX - debt was paid and still reflecting as a charge off looking as though a balance is still owed company never informed me I could dispute the charges so I ended up paying and no attempts had been made to remove this from my credit report instead it looks like a charge off and no balance have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: FL

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-26 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 explanation
Consumer complaint received 2024-07-26 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: MO

Complaint narrative:
My account with ( XXXX, XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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, XXXX XXXX, 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I TOOK A LOOK AT MY XXXX REPORT AND NOTICE AN UNAUTHORIZE INQUIRY FOR CITIBANK NA, INQUIRY DATE WAS XX/XX/year>. I DID NOT GIVE PERMISSION FOR MY REPORT TO BE PULLED BY THIS COMPANY NOR GAINED BENEFITS FROM THEM. I AM REQUESTING THEM TO SHOW ME PROOF OF ME GIVE THEM PERMISSION TO PULL MY REPORT. IF THEY CAN NOT PROVIDE INFORMATION IMMEDIATELY OR I WILL MOVING FORWARD WITH LITIGATION. THATS A VIOLATION OF PRIVACY AND 15 USC 1681.

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 2024-07-26 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: TX

Complaint narrative:
On Thursday, XX/XX/year>, XXXX XXXX of XXXX pulled an authorized hard inquiry with my credit report. They claimed that there was nothing that could be done about it. They told me that it was out of their control.

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 2024-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. And I want this account removed! 

Date opened - XX/XX/year> Original balance - {$520.00} Account info Account name - XXXX XXXX Account number - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX has violated my rights. Section 602 A, states I have the right to privacy! 

If not removed this time from my credit I will Be Taking Legal Actions...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief