vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
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 2024-12-02 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: AL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/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 2024-12-02 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
my purse was stolen last year at the park with all my credit cards, my drivers license, my phone and, social security card. i need this off my credit report because this was not me, this is identity theft i reached out to comenity bank but they informed me that you guys took over the account, please remove this inaccurate account off my credit its affecting me getting a home and applying for a morgage!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report dated XX/XX/year> and to invoke my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). The presence of unauthorized information in my report is a direct result of a data breach, and I demand immediate action to rectify this situation.

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 2024-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I

n 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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I submitted a request for forbearance on XX/XX/year> by phone call as required by Firstmark Services. I have not received a decision as of XX/XX/year> and my payment is due XX/XX/year>. They know this and are intentionally withholding a decision until the payment is due/after the payment is due. I have called and sent follow up contact requests with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Did not send me any verification. I also asked to see my signature. They did not send me any way to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-02 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: PA

Complaint narrative:
This is beyond frustrating. My credit report is filled with accounts that are not mine, and these errors are destroying my credit score. I have sent repeated complaints, and the lack of response is unacceptable.

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 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Last week I received two pieces of mail, one appearing to be a credit card addressed to XXXX XXXX at my address ( titled property in my name, ) XXXX XXXX XXXX, XXXX, MD, XXXX. Concerned that my title was in jeopardy, I filed a complaint with the XXXX XXXX office online. I have received no response so I have taken the first two pieces to the XXXX post office today, XX/XX/XXXX, surrendering the mail to XXXX. 
In todays mail I received a credit card statement from Macys addressed to XXXX XXXX again, so I called Macys to report it. I was rerouted several times and hung up in frustration after speaking to XXXX, then XXXX then XXXX! 

I took pictures of the front envelopes of the first two pieces and XXXX post office ( XXXX, ) refused to give me a receipt for the actual credit card piece. I have in my possession the Macys statement received today and I am concerned that someone is opening credit in my name in an attempt to establish residency and steal my title!

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 2024-12-02 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: TN

Complaint narrative:
I am filing this complaint to report TransUnion for failing to correct inaccurate information on my credit report, which directly led to the denial of a critical vehicle loan with XXXX XXXX XXXX XXXX ( Application # XXXX ) on XX/XX/year>. This denial has caused significant hardship, as I rely on a vehicle for essential work and family obligations. 

Background : On XX/XX/year>, I filed a dispute with TransUnion ( FTC Report # XXXX ), contesting inaccurate and unverifiable information on my credit report. TransUnion failed to take the legally required steps to investigate or correct the disputed items. While they placed a fraud alert on my account, this action was grossly insufficient to address the core issues. 

XXXX XXXX XXXX XXXX cited TransUnion as the source of the inaccurate data in their adverse action letter, which ultimately caused my loan denial. The denial has resulted in undue financial hardship and emotional distress, as I am unable to secure the vehicle necessary for fulfilling work responsibilities and providing for my children. 

Violations and Negligence : 1. Failure to Investigate : TransUnion failed to conduct a timely, thorough investigation into my disputes, as mandated by the Fair Credit Reporting Act ( FCRA ).

2. Failure to Maintain Accuracy : TransUnion continues to furnish inaccurate information that they could not validate, despite clear evidence of its falsity.

3. Violation of Consumer Rights : By neglecting their legal duties, TransUnion has denied me my rights to life, liberty, and the pursuit of happiness, as I can not access necessary credit for basic life functions. 

Impact : This negligence has caused the following damages : I was denied access to the transportation essential for work and childcare. 
The continued presence of inaccuracies has tarnished my creditworthiness and financial stability. 
The emotional and financial toll has been profound, affecting both my mental health and my ability to support my family. 

Actions Requested : 1. Immediate Investigation : Conduct a comprehensive review of the inaccurate data on my credit report and provide detailed findings.

2. Correction of Errors : Remove or rectify the disputed information immediately.

3. Accountability : Ensure that TransUnion is held accountable for their noncompliance with federal law.

TransUnions actions ( and inaction ) have not only violated the FCRA but also caused irreparable harm to my financial and personal life. I urge your agency to take decisive action to ensure accountability and prevent such injustices from recurring. Additional credit reports from XXXX and XXXX, which do not contain the same inaccuracies

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 2024-12-02 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: AL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TN

Complaint narrative:
For months, I have contacted your team about inaccurate accounts on my report that are currently in litigation, yet they remain unresolved. This is impacting my credit and causing extreme frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I have identified incorrect personal information on my credit report, which has resulted in the appearance of unfamiliar and inaccurate accounts that I have no association with. These errors are causing unnecessary confusion and negatively impacting my financial standing.

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 2024-12-02 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: EQUIFAX, INC.
State: IL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/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 2024-12-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 XXXXXXXX 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 2024-12-02 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 was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Timeline of Events : XX/XX/XXXX : The account was opened by myself and securitized for value by Wells Fargo & Company ; the securitization was done without my knowledge or consent. 
I was not properly compensated for the securitization of the account, this constitutes a breach of fiduciary duties and contractual obligations. 

XX/XX/XXXX : I issued the initial notarized presentment to Wells Fargo, requesting : Processing of an International Bill of Exchange ( IXXXX XXXX XXXXXXXX ) to settle the alleged outstanding balance. 
A GAAP-compliant accounting detailing the accounts securitization, valuation, and associated tax liabilities. 
Return of funds from prior payments and misclassified bond payments. 
None of my request were honored, and no intelligent response was made by the company in correspondence to my notarized presentment. 

XX/XX/XXXX : I issued a second notarized presentment ( Opportunity to Cure ), reiterating previous demands and giving Wells Fargo an additional 14 days to respond, along with an additional XXXX to offset the account. 
I filed IRS Forms 56 ( Notice concerning fiduciary relationship ) and XXXX ( Power of Attorney ) to formally revoke Wells Fargos authority over the account and oversee tax matters related to the account. 

XXXX XXXX, XXXX : Wells Fargo failed to provide any intelligent response to the claims or requested GAAP-compliant accounting. 
A forensic audit revealed significant violations, including : Failure to disclose profits from the securitization and trading of the account on primary and secondary markets. 
Inadequate reporting of taxes related to the Original Issue Discount ( OID ).

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: CA

Complaint narrative:
purse was stolen from gas station ; credit cards were used. Unauthorized charges due to theft.

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