vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: MA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-25 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: FL

Complaint narrative:
Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. 
They are required to do what I am asking and block the following personal information from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. I look forward to your response.

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 2024-04-25 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name
: XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX Last four of social XXXX Account XXXX WELLS FARGO CHARGES UNNECCESRY FEES FOR OVERDRAFT PAYMENT, I HAVE A PAYMENT THAT WAS SCHEDULED XXXX, IT DIDN'T COME PUT UNTIL XX/XX/year>. WELLS FARGO ENDED CHARGING ME {$35.00} DOLLARS FOR A {$30.00} OVERDRAFT PAYMENT THAT DID NOT GET PAID, MY CREDIT CARD COMPANY ALSO CHARGED ME A RETURNED CHECK FEE. XXXX XXXXXXXX XXXX ONLY CHARGES {$10.00} AND XXXX XXXX XXXX CHARGES {$15.00} FOR OVERDRAFTS, WELLS FARGO CHARGES A WHOPPING {$35.00} DOLLAR FEE AND MY ITEM DIDN'T EVEN GET PAID. WELLS FARGO MUST BE LOOKED INTO FOR EXCESSIVE FEES. 

I HAVE BEEN A LONGTIME MEMBER GOING THROUGH HARDSHIP RIGHT NOW, IN XXXX XXXX AND WELLS FARGO CHARGES ME {$35.00}, THIS IS A LOT OF MONEY FOR SOME AND THEY REFUSE TO WAIVE THE FEE.

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See all letters I have attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX. I deposited {$2000.00} to my XXXX account. At that time I was informed that I would have access to the funds by the XXXX. 
XX/XX/XXXX. I called Chime to ask them to expedite the deposit. They then said they accepted the check but they were not releasing funds until XX/XX/XXXX. I asked them to cancel the transaction. 
XX/XX/XXXX. I contacted Chime. They said that they can not cancel the transaction and that they would release the funds XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and seek your assistance in addressing a number of concerns regarding an entry that appears on my credit report.

After obtaining a copy of my XXXX credit report I am writing to dispute ( 3 ) inaccurate pieces of information as it relates to the One Main Financial entry.

# 1 - I want to clarify that One Main Financial was paid in full and on time with XXXX XXXX late payment. This late payment occurred during the Covid-19 global pandemic in XX/XX/XXXX. Although I made every attempt to pay on time, when I realized I was unable to do so, I reached out to One Main Financial to request a deferred payment arrangement.

Once I made this request, I waited patiently for One Main Financial to respond to my request. During the extended response time for my deferment approval my payment became due.

I explained to the One Main Financial representative that I was impacted by the Covid-19 global pandemic and believed the CARES Act was supposed to prevent creditors from reporting late payments to credit reporting companies during the Covid-19 crisis.

The rep I initially spoke to on the phone said under the circumstances, One Main Financial was forgoing reporting late payments to the credit bureau due to their prolonged deferment request process. Therefore, I do not believe the 30-day late payment that was reported by One Main Financial was done so in good faith.

One Main Financial eventually approved the deferment but their delay in processing my request forced me to incur a 30-day late payment. I failed at my attempts to clear this matter up with them.

Currently, this One Main Financial entry is the only blemish that occurred on my credit report during the Covid-19 global pandemic. This entry inaccurately affects my current creditworthiness and continues to cause me financial hardship as I can not seek other loan approvals. 

# XXXX Around XX/XX/XXXX I paid the account in full ahead of its scheduled pay off date. However, as of XX/XX/XXXX, the current status shows paid, closed, despite the fact the account was " paid in full. '' # 3 - Also, the account number reported by One Main Financial on the XXXX credit report does not accurately reflect the account number I opened for this account.

Despite my efforts to resolve this issue directly with One Main Financial by requesting they remove this inaccurately reported account from my XXXX credit report, the inaccuracies remain. This One Main Financial account is still being inaccurately reported on my credit report as of the time of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Their are two collection companies which has put inaccurate information on my credit report in collection Credence resource management for {$290.00} that was put on my credit report on XX/XX/2024 XXXX XXXX XXXX for {$330.00} that was put on my credit report as well on XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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:
EXPERIAN is permitting soft inquires by others while my report is under a security freeze since XX/XX/2022. I have previously asked this company for a reason and explanation for permitting the soft inquires and they have not answered. This is in violation of the FCRA.

I have simplified my questions to yes or no so the company can easily answer.

Are the soft inquiries for the purpose to establish the illusion of debt owed by me?

yes or no Are the soft inquiries for the purpose to establish that I have a business contractual relationship with these entities and agency?

yes or no Are the soft inquiries for the purpose to establish a global cross link data sharing and social credit score in the US similar to XXXX 's? ( related to the SSA 4 inquiry ) yes or no Did EXPERIAN get permission to allow the soft inquiries? 
yes or no if yes then who gave it? 

Is there an opt out or procedure for me to revoke my permission for your credit bureau to report on me? 
yes or no

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I noticed a transaction on my bank account that I did not make. I called the bank ( TD Bank ) to dispute the charges and they opened an investigation. On XX/XX/XXXX, I received a letter from the bank stating that the " The transaction 'appeared ' to be authorized because you ( meaning me ) verified the transaction. No one from either the bank or the merchant ( XXXX XXXX ) contacted me regarding this matter, so how could I have verified it. I was informed they were going to reverse the provisional refund and charge additional fees. I then reached out to XXXX to find out what information they had that I had verified this transaction. I was informed I would have to reach out to their corporate office, however they could not provide me with a telephone number or email address. I then asked if they could provide me with whatever information they had regarding the matter and they emailed a copy of the itinerary and confirmation number for a flight from XXXX, XXXX  to XXXX, XXXX  for me and someone I do not know ( XXXX XXXX ). I relocated from XXXX to XXXX  in XXXX of XXXX and have not taken any flights or made reservations for any flights since that time. I have not left the State of XXXX. The information used to book this flight had my name and other information, but the wrong address. I tried to explain that to my bank and they only said they would file another investigation, but would still reverse the refund which has caused an overdraft in my account and I'm being charged overdraft fees of {$35.00} for every transaction. Even though I informed my bank in XXXX when I relocated of my new address, they didn't check to see that the information used to book this flight was incorrect. NO ONE CONTACTED ME ABOUT ANYTHING. I am so frustrated. I can not pay my bills because my account is now overdrawn. I reached out to indentitytheft.gov and filed a complaint. The reference number is XXXX. I have done all the due diligence I can at this point without the benefit of any information from either my bank or ability to contact XXXXXXXX XXXX corporate office to reach some resolution,. Thank you for any assistance you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: MOHELA
State: GA

Complaint narrative:
I hereby submit this formal correspondence to contest the presence of an outdated and inaccurately reported account within my credit profile. This matter carries profound implications, as it directly implicates violations of consumer protection statutes, particularly the Fair Credit Reporting Act ( FCRA ), potentially warranting further legal action. 

Upon meticulous examination, I have identified an installment account labeled as Mohela/Dept of ED Loan , purportedly amounting to {$4500.00}, which significantly misrepresents my current financial standing. This discrepancy permeates my entire credit history, encompassing inaccuracies in Account Numbers and the deliberate concealment of vital account details. I possess substantial documentary evidence to substantiate my assertion, necessitating swift rectification. I am prepared, with legal representation, to proceed expeditiously with legal proceedings. 

**Disputed Account Information : ** - **Account Name : ** Mohela/Dept of ED Loan - **Amount : ** {$4500.00} Furthermore, the reported last activity date on this account does not align with the actual date of my last payment, resulting in a distortion of my credit record. These inconsistencies have been meticulously documented across all credit reporting agencies and will serve as compelling evidence as I undertake corrective measures to rectify the inaccuracies within my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-25 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:
XXXX, TransUnion, and XXXX all have incorrect or incomplete information on my credit reports regarding the only XXXX XXXX Account ( # XXXX ) on my report. I sent them dispute letters in XXXX, XXXX, XXXX, and XXXX, and they have yet to fix the problems with the reporting. They are also reporting inconsistent information across the three of them.

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 2024-04-25 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: TN

Complaint narrative:
Experian, XXXX, and XXXX all have incorrect or incomplete information on my credit reports regarding the only XXXX XXXX Account ( # XXXX ) on my report. I sent them dispute letters in XXXX, XXXX, XXXX, and XXXX, and they have yet to fix the problems with the reporting. They are also reporting inconsistent information across the three of them.

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 2024-04-25 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: Nelnet, Inc.
State: FL

Complaint narrative:
i sent SLOAN/NELNET SERVICES and XXXX XXXX a letter on XXXX stating they are reporting and publishing inaccurate or incomplete information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss of opportunity. My data has been comprised in a data breach because you have shared my nonpublic personal information with third-party agencies without my consent violating 15 USC 6801 . 

Your job was to : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Since you violated 15 USC 6801 and cause my data to be compromised, I am requesting the following items to be delete from my consumer report from all three CRAs ( XXXX, XXXX, and XXXX ) within 15 days or I will turn this matter over to my attorney to sue for damages : SLOAN/NELNET SERVICES XXXX XXXX ( {$290.00} ) SLOAN/NELNET SERVICES XXXX XXXX ( {$240.00} ) SLOAN/NELNET SERVICES XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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