vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I was alerted to charges on my credit card that i did not make. While on the phone with the bank, we discussed what was stolen and what wasn't. I had over XXXX $ in charges to my own bank from my own bank. 

They have since reimbursed me for the smaller charges but have continually closed out the fraud case for the XXXX XXXX 

When I call to try and resolve it, they transfer me back and forth between credit, debit, and rewards ( all different departments who can't seem to help ) with a transaction that was to the bank from the bank. 

It's only been 30 days but XXXX $ is a large sum for my balance and I have no ability to check on the case. Only notified that it keeps getting closed. 

This is also the only instance of fraud I have ever had in the XXXX years at the bank.

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 2024-07-19 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2024-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-19 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: Synovus Bank
State: TX

Complaint narrative:
Credit Report Discrepancies Investigation Request Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies in my credit report across all three major credit bureaus : XXXX, XXXX, and XXXX. Upon reviewing my credit reports, I have identified discrepancies that require investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I believe that my credit report contains inaccuracies that may impact my creditworthiness and financial standing. These inaccuracies are significant as they [ briefly describe how these inaccuracies may have affected you, such as impacting your ability to obtain credit, causing financial harm, etc. ].

I request that the Consumer Financial Protection Bureau conduct an investigation into the inaccuracies on my credit reports. I am attaching my contact information. 

Enclosed are copies of relevant documents supporting my claim, including copies of my credit reports. Please inform me of the steps the CFPB will take to address this matter and the expected timeline for resolution. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: GA

Complaint narrative:
My account with ( 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 ) 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 2024-07-19 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: CA

Complaint narrative:
i recently noticed I had a fraudulent XXXX XXXX card had been opened in my name on XX/XX/year>

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 2024-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am one of the fortunate individuals to have my federal loans discharged for fraud and school misconduct by the president and his administration on XX/XX/XXXX as the XXXX XXXX was found to have been found guilty on several counts. See link for discharge article : XXXX XXXX XXXXXXXX After sending a XXXX via the CFPB, school misconduct discharge application was received on XX/XX/year>. 

On XX/XX/year>, I sent my application, evidence and anecdotal information that the XXXX XXXX committed fraud and school misconduct through aggressive recruitment tactics, misrepresentation of job rates, etc. 

XX/XX/year> - Denial received and asked for reconsideration and additional criteria needed for school discharge. I received the reasons for denial being : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' -- After asking for reconsideration and what evidence I needed to supply in addition to what I provided, they said they re-reviewed my application and that I was not eligible for discharge. 

Despite being forgiven by the current president and his administration at a federal level for fraudulent loans, Navient refuses to discharge loans for a fraud education I paid for. I am stuck in limbo paying for loans for a school that no longer exists and has not allowed me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MO

Complaint narrative:
I have automatic payments on my account. The automatic withdrawals aren't aligned with the billing cycle and every month I get an email from MOHELA saying a payment is past due. I have made multiple payments on my account in some months because of these messages to avoid any late payment fees or default. 

I have attempted to contact the company but there are no representatives answering the phone. After close to 10 minutes of hold music the line goes silent with no indication that the call queue is being managed. I tried to submit feedback through their provided feedback link in their email but it leads to a 404 error page not found. 

I am seeking help aligning the payments, which I have scheduled to their terms, with their billing cycles. MOHELA is unresponsive and provides no reliable support methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: GA

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America stole {$300.00} from my checking account on XX/XX/year> and then lied about it. A manager told me a transaction was paid for around {$160.00} worth, even though there was supposedly insufficient funds in our account. They've NEVER done this before. Furthermore, last night around XXXX I checked our account and it was in the black by XXXX XXXXXXXXThis was yesterday XX/XX/year>. Today, XX/XX/year> I've got an account so messed up. My XXXX had to take {$300.00} out of savings to cover this error. A {$50.00} transfer from one account to another, all of a sudden had to be verified. This has never happened before. So. basically, I check my account last night, everythings fine. This morning, I'm {$300.00} short because of their negligence. XXXX XXXX, president of private banking, I want my {$300.00} back!!

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 2024-07-19 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: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-19 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: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-19 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 



I have provided my photo ID along with the other required documents. 



I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
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 2024-07-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Assistance with Removal of Inaccurate Information from My Credit Report Dear Sir/Madam , I hope this letter finds you well. 

My name is XXXX XXXX XXXX, and I am writing to seek your assistance regarding several inaccuracies currently reflected on my credit report. Despite multiple attempts to inform the credit bureaus ( Experian, XXXX, and XXXX ) of these inaccuracies, I have yet to receive a response, and the erroneous information remains on my credit report. 

The presence of these errors is negatively impacting my credit score, my ability to make significant purchases, and my opportunities for obtaining a federal job. I have enclosed a copy of my credit report, highlighting the accounts that should have been deleted a long time ago, as they have been resolved. Specifically, I am requesting the immediate removal of the following : 1. **Delinquent Bank Accounts** : These accounts have been fully paid off and should no longer appear on my credit report.

2. **Collections Agencies** : Any collections agency currently listed on my credit report should be removed, as I have successfully resolved these accounts. Enclosed are copies of letters confirming the resolution of these accounts. 
XXXX. **Incorrect Addresses** : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Any other addresses listed are incorrect and should be removed from my credit report. 

Additionally, I am an authorized user for three bank accounts with XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX. Please update my credit report to accurately reflect this status. 

The continued presence of these inaccuracies is causing undue XXXX XXXX XXXX XXXX and hindering my career opportunities. I kindly request that you intervene and assist in resolving these issues promptly. 

Once the necessary corrections have been made, please send me a copy of my most recent credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance and understanding. 

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-07-19 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: LA

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

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