vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

, XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 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 or 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
on XX/XX/23 I send letters to Transunion requesting incorrect items on my credit report to be addressed and as of todayXXXX I still have not heard anything back. 
FCRA states they are to respond within 30 days and I have received nothing meanwhile my incorrect credit still stands. 
This also is my second complaint about this same matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This complaint to USAA SAVINGS BANK for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CO

Complaint narrative:
Greetings, I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score. 

XXXX has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with XXXX  on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. XXXX corrects the inaccurate reporting of my payment history immediately. 
2. XXXX is held accountable for the mismanagement and incorrect furnishing of consumer credit information. 
3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: CO

Complaint narrative:
Greetings, I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score. 

XXXX has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with XXXX  on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. XXXX corrects the inaccurate reporting of my payment history immediately. 
2. XXXX is held accountable for the mismanagement and incorrect furnishing of consumer credit information. 
3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: CO

Complaint narrative:
Greetings, I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score. 

XXXX has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with XXXX  on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. XXXX corrects the inaccurate reporting of my payment history immediately. 
2. XXXX is held accountable for the mismanagement and incorrect furnishing of consumer credit information. 
3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX {$5000.00} was withdrawn from my savings account without my authorization through online banking ( which I have never used ). The next day, on XX/XX/XXXX another {$5000.00} was withdrawn from my savings account and {$5000.00} was redeposited into my savings account. All transactions without my knowledge or authorization and coming from accounts completely unrecognized. On XX/XX/XXXX a letter was mailed out from Wells Fargo alerting me of their discovery of unusual activity or updates on my account in regards to the above transactions. After receiving this piece of mail I went to my local Wells Fargo branch as soon as possible on XX/XX/XXXX to find out what was going on with my accounts. During this visit to my local branch I was told there was fraudulent activity on my account and to create a new checking account because my old one was compromised. I ordered new checks, changed auto-pays to the new account, etc. I was also told I will be made whole in roughly XXXX business days by Wells Fargo personal banker XXXX XXXX. I returned to Wells Fargo for any updates on XX/XX/XXXX and was then told by personal banker XXXX XXXX that it was my savings account that was compromised not my checking account. I then proceeded to have a new savings account created and my old one closed. Furthermore being assured I will be made whole by the bank in roughly XXXX business days. After this, I received a letter mailed on XX/XX/XXXX from Wells Fargo stating our research shows the transactions were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Which is absolutely false. I then filed a police report on XX/XX/XXXX with a sworn in statement indicating that I did not make any of the above banking transactions. I then went to the local Wells Fargo branch on XX/XX/XXXX to dispute the letter I received in the mail and let them know I filed a police report. I was advised by the police to enquire with my bank on the location of the transaction and the time an online account was opened under my accounts. I was told by both personal bankers XXXX XXXX and XXXX XXXX that theyre unable to give me that information. I was told by them they were going to escalate my claim and try to have it reopened again. I then received a letter mailed on XX/XX/XXXX stating well respond within XXXX business days from the date you contacted us. in regards to my 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 monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I had an account that was submitted to Midland Funding for collection. I logged into Midland Funding 's website to resolve the account. When I did this I noticed there was another account in the collections tab for XXXX XXXX with a balance of {$9000.00}. I opted to chat with a represenative and when I asked her how I dispute these charges and I didnt know the account she told me there was nothing she could do to help me. I checked my credit reports and the account isn't on them for me to dispute there so I logged back into Midland Funding and chatted with another represenative who was slightly more helpful. I explained to her that I needed to dispute the account and any/all charges associated with it. I told her that this account wasn't on my credit report and I asked for details on the account. I was told the account was opened in XXXX, closed in XXXX due to non payment and that it had been placed with their agency for collection. Now when I log back into Midland Funding the status is now " in legal collection ''. I asked repeatedly how to dispute this and finally she told me I could either file a police report ( from XXXX????? ) or file a complaint with the FTC which I wasn't aware I could do. So in summary here is an account from XXXX, I happened to resolve an account with Midland Funding and now they are persuing me for 1 ) an account I didnt open and have no knowledge of and 2 ) Interestingly enough NOW they decide to contact me for payment on this account once I've satisfied another. I think what happened was they saw that I resolved an account now they are trying to get me to pay ( from XXXX ) an account I'm asking help with disputing and they dont want to help me with it. This is fraud and all I was asking for was help, I suppose I shouldn't have expected any help from a company who plans on suing me for an account I didnt open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: VA

Complaint narrative:
I have submitted a dispute letter requesting an expedited response, accompanied by meticulously documented evidence for each claim that has been reported inaccurately in my consumer report. This misinformation has caused significant distress in our lives, including hindering our ability to secure housing for our family. Regrettably, I have been left with no alternative but to pursuelegalaction.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I signed a Deed-in-lue agreement with m & t bank in XX/XX/year>. I send the deed and keys to the bank. Now the bank said they cancelled the DIL and wants me to begin the process all over. They want me to try to sale the house again, go through short sale again, before DIL again. It doesn't make sense. I don't want to retain the property after I have already signed a DIL. They want to continue reporting late payments on my credit report. Lawyer are difficult to get and expensive. Please, help me stop this nightmare.

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 2024-01-31 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: NY

Complaint narrative:
I was surprised to see late marks on my credit report in XX/XX/XXXX. I believe that I had made my payments on time and the statement may have not gotten to me or the payment was not applied as fast as expected. I already communicate to Experian requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 USC 1692g. Validation of debts XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on 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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coastal Capital Processing, LLC
State: MO

Complaint narrative:
The company Costal capital mediation are harassing me twice a day on my home and my cell phone. They are threatening me with a civil suit in my state. They are not listed online and have no rating with the XXXX. They have my Social and my city that I live in. I do not owe anything on this debt. It is something that was 18 years ago and was settled. I would like them to stop harassing me. Each company is trying to get ahold of me to collect on something. This is the 4th company that is harassing me with this old debt. I read reviews and it is the same conversations that they have with everyone else. It says to call XXXX XXXX from the Legal department at XXXX. There is no such number.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-31 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: IN

Complaint narrative:
I sent the attached letter to TransUnion and they failed to respond and resolve this issue.

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 2024-01-31 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-31 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: MI

Complaint narrative:
XXXXI 've spoken to XXXX  XXXX XXXX XXXX multiple times and told them to remove this inquiry and I have also spoken to experian. They have no record of any inquiry in my name that I have authorized in writing or otherwise. It has to be removed. I've contacted the phone number they provided me and they're fraud department and they still have not removed it. The attachment shows clearly the inquiry!

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: ID

Complaint narrative:
I had an unauthorized charge on my chime credit builder card for a company that I had never heard of on Saturday XX/XX/XXXX for {$49.00}. The charge was from XXXX XXXX XXXX. and when I called chime to dispute it in less then 24 hours of the dispute being filed they denied the claim and said the charge was valid and that I would not be getting my money back. This dispute was filed with chime on Mon XX/XX/XXXX after the charge was no longer pending. On Tuesday XX/XX/XXXX I filed a rebuttal on the dispute and for this charge I also asked for information on why they denied the dispute and they could not give me an answer. Today Wed XX/XX/XXXX I got notified that the rebuttal was also denied and that I would not be getting my money back for the unauthorized charge to my account. Also when I tried to contact the number on my statement connected to the unauthorized charge you either can't get to a live person and are waiting for them to pick up on hold for 18 minutes and then the call discounts and the one time I did get a live person they refunded to help me because I could not provide them with customer based info because I was not a customer of theirs and they hung up on me.

Company response to consumer: Closed with monetary relief