vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Re : Fraudulent Withdraw Transactions I am demanding a return of funds to my checking account fraudulently withdrawn from my account via an ACH transaction without the approval and required documents for such withdrawals. This fraudulent transaction was made on XX/XX/2024, from my business checking account. 

I have filed claims with Wells Fargo via the phone notification system and received Claim No. XXXX. All pertinent information is detailed in the Claim. 

The entity withdrawing the claim has never been associated with our business nor set up as an ACH approved payee. The two withdrawals on XX/XX/2024 for {$5700.00} and {$3800.00} were represented on Wells Fargo Bank account activity report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$3800.00}

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to XXXX XXXX via the XXXX and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.

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 2024-06-28 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: FL

Complaint narrative:
XXXX is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to XXXX  XXXX  via the XXXX, and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
XXXX  is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to VXXXX XXXX via the XXXX, and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.

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 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Dear Transworld Systems Inc. 


Section 15 USC 1692g ( a ) of the Fair Debt Collection Practices Act states that a debt collector must send within 5 days after initial communication with a consumer, validation of debt that contains a statement that unless a consumer disputes the validity of a debt or any portion then the debt will be assumed to be valid, must send the name of the creditor to whom the debt is owed, and the name of the original creditor if different from the current creditor. I am unaware of this debt I also need to State I never received this notice prior to this being placed on my consumer report. If you believe your company sent out this notice according to the fcra then please produce my signed signature return green receipt which came via certified mail from your company. If youre not able to produce this simple information that Im requesting to prove your company in fact sent this notice to me and follow the law you must delete this account off my credit report immediately from all credit reporting agencies such as XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A few months ago, I outlined several inaccuracies on my credit report and submitted a detailed list of these discrepancies. Unfortunately, the responses I received did not address all the issues, and some items were completely overlooked. 

I then submitted a reinvestigation request to you, along with direct disputes. While some issues were resolved, many remain unaddressed. Most recently, I provided the responses received from the creditors, which highlights the inaccuracies in your reporting. However, these inaccuracies have not been corrected. 

I am requesting to DELETE these outstanding issues on my credit report. It is crucial that my credit report reflects accurate and up-to-date information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: CA

Complaint narrative:
I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : XXXX. XXXX XXXX, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation. 

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up.

2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing for quit a while now. Kindly remove the following : XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/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 2024-06-28 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: NY

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Back in 2021 I got a divorce where in the divorce decree it states my ex husband is responsible for this account. I am unable to make any payments without being in violation of the decree. I recently noticed that I got a late on my credit for this account and I wasn't even aware this was on my file. Apparently had applied for skip a pay and had submitted the paperwork and there was some miscommunication that caused the skip a pay to not go through. however, in entering in this agreement it cancelled his auto pay which he did not know. I ask that GM Financial please make this right by either removing the account from my file or removing the late as I am unable to make payments and this was an error made by miscommunication. I have attached a copy of the page on my divorce decree

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Multiple accounts of identity theft on file the company refuses to remove or block even after recieving FTC Identity Theft Report and a separate Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
Multiple accounts of identity theft on file the company refuses to remove or block even after recieving FTC Identity Theft Report and a separate Police 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 2024-06-28 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: NJ

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX  - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to dispute an address on my Experian report. For unknown reason Experian seems to thinks this address is valid. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Is an address that does not exist at all and I am baffled that Experian claims to verify my complaint as a valid address. 

I do a brief search on the United States postal website to validate the address and that address does not exist. 

I then enter it into goggle maps and that address does not exist. 

I have attached prof of my social security number is listed on the XXXX website The only address that popped up even with the wrong info is The post office address of XXXX XXXX XXXX XXXX, CA XXXX. Ism fully aware that my social security number is on the XXXX market and people possibly trying to obtain some credit with the info they have. I am fully aware that my California identification card is being used as it was stolen.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: OR

Complaint narrative:
My central complaint is that the company which services my mortgage ( PNC ) received my full monthly payment, withdraws the funds from my checking account, but then waits for multiple business days to apply the funds to my mortgage account, resulting in a late payment, for which a late fee is charged. 

As long as I've owned my home ( XX/XX/XXXX ) I have always followed the same process for paying my mortgage : I use the online bill pay service provided by my credit union to schedule payment to post 1-2 business days before the date upon which my mortgage statement indicates that a late fee would apply. In these 6+ years and at least 4 different mortgage companies every one of them has properly applied my payment until, to my great dismay, PNC bought my mortgage and began delaying application of my payments. 

In the past when PNC has held my payment and delayed application of the funds to my account, leading to a late charge, I have called and they have apologized and waived the late charge. In XX/XX/XXXX PNC proactively waived the late fee before I even called to complain, however in XX/XX/XXXX when I called about the late fee I was told that they have already waived the fee as many times as they were able to so it would have to be escalated. I advised PNC that the late fee was illegitimate and " waiving '' it implies that the fee was correct, but being waived in the interest of customer service. 

Here is a chronology of events over the past few months ( confirmed by logging into my personal checking account and the posted transaction record on my mortgage account ) : XX/XX/XXXX : PNC applied {$1800.00} payment to my account ( 4 business days/7 calendar days after the funds were withdrawn from my account ) XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was sent from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : PNC waived {$65.00} Late Charge XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was XXXX from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : PNC waived {$65.00} Late Charge XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was sent from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account 03/11/24 : Payment of {$1800.00} to PNC was XXXX from my checking account

Company response to consumer: Closed with monetary relief