vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding XXXX XXXX XXXX. I have noticed discrepancies in the way this account is reported between the XXXX major credit bureausExperian, XXXX, and XXXX. 
Here are the specific inconsistencies I have identified : XXXX. XXXX is reporting a balance of {$53.00}, while XXXX and XXXX report {$220.00}. 
XXXX. XXXX is reporting the date of the last activity as XX/XX/year>, XXXX is reporting the last date of activity as XX/XX/year>. 
This conflicting information is causing confusion and could potentially impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and consistent. I request an immediate investigation into this matter to ensure the information on my credit report is corrected and aligned across all bureaus. 

For your convenience, I have attached the following : A copy of my credit report from all three bureaus highlighting the discrepancies A copy of my government-issued ID Proof of residence ( e.g., a utility bill ) Please verify the accuracy of this account with the furnisher and provide me with a written statement detailing the findings of your investigation. If the information can not be verified or corrected, I kindly request that this account be updated or removed as required by law. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days, as stipulated under the FCRA. Please send any updates or correspondence to the address listed above. 
Thank you for your cooperation.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My ATM card is not authorized for International usage despite Wells Fargo promising that my ATM card can be used internationally as part of the checking account package that I pay for. I have called Wells Fargo to address this problem multiple times. I have been given case numbers and promised return calls. NO RETURN CALLS HAVE OCCURRED AND NO ONE HAS ADDRESSED MY COMPLAINT. Wells Fargo happily extracts fees, interest and charges from my account and fails to provide the services it is contractually obligated to provide. There is no recourse since I have spent hours trying to get the problem fixed and nothing ever changes.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
: Subject : Failure to Process My Dispute Despite Providing Required Documentation Dear XXXX, I am writing to express my frustration with your continued failure to process my dispute and investigate inaccuracies on my credit file, despite having submitted the required documentation multiple times. 

I have already provided the following information on numerous occasions, as requested : My full name and any former names. 
My current address and previous addresses ( if applicable ). 
My date of birth. 
Documentation verifying my identity, including a copy of my government-issued ID and proof of address ( e.g., utility bill and/or pay stub ). 

Despite my compliance, I continue to receive generic responses asking for the same documents, with no resolution or updates regarding my dispute. This repeated failure to process my request and verify my identity is not only unacceptable but also a violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Please take immediate action to resolve this matter by : XXXX. Processing my dispute promptly. 
XXXX. Conducting a thorough investigation into the inaccuracies on my credit report. 
XXXX. Providing a clear explanation for the delays and why my previous submissions were not accepted. 

If this issue is not addressed promptly, I will have no choice but to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

I expect a timely resolution to this matter. Please confirm receipt of this communication and provide an update on the status of my dispute. 
Fraudulent paycheck stubs were used without my consent or knowledge making this charge off account and loan amount voided and unenforceable Sincerely, XXXX XXXX You can customize this letter further if needed, adding more specifics about your 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 explanation
Consumer complaint received 2025-01-10 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:
KINDLY HELP ME. THERE ARE ITEMS OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a complaint ad a dispute with the credit bureaus XXXX and Trans union to correct inaccurate information from my report I filed with CFPB also and it has been XXXX days and they have not responded per CFPB the FCRA require the bureaus to respond in XXXX days or remove inaccurate information that I disputed.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/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. I have requested proof that this information was mailed or delivered XXXX 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!

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 2025-01-10 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: GA

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. 


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 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 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 2025-01-10 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: GA

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 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 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 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 explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1200.00} XX/XX/year> 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
By law with the debt of my credit card already been paid already once it goes to charged off its paid. why are they still trying to get it paid? I contacted the company also to send me a 1099 for my taxes purposes also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I have received a XXXX  day late on my loan statement that I need to be removed and not reported to the credit bureau. 

This late is due to an un authorized removal of my auto draft on my loan account. 

There was a XXXX made to the account at the same time my last auto draft was taken, which was XX/XX/2024. 
The next month I received a letter saying no payment was due. 
The next month I when my auto draft did not come out, I did not think anything of it as I thought it was due to the XXXX payment being made and I was now ahead on my payments. 

I then received a letter in XXXX stating that my account was now XXXX  days late. 

I called the bank to ask if there was a balance due, why wasn't my auto draft paying the loan. I was told it was turned off but not sure how that happened. 

I am now trying to apply for an FHA loan and can not be approved due to this being on my statement although not reported to the credit bureau yet. 

If the auto draft was not turned off without my permission or even letting me know it was turned of I would not have been late on any of my payments. 

I have reached out to the local branch to have this removed and they can not help me. I have reached out the corporate office and they can not help me have this removed. 

The answer I received as to why it was turned off was it just was, there is not a reason. 

This negligence is now causing a serious issue with my re-finance on my home that I have to have complete ASAP due to the deadline of my divorce agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SC

Complaint narrative:
With Experian I disputed on XX/XX/year> ally finance report All I got in return was remains on my credit file no true information on why its not being removed.

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 2025-01-10 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: NC

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 2025-01-10 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: TX

Complaint narrative:
: Subject : Failure to Process My Dispute Despite Providing Required Documentation Dear Equifax, I am writing to express my frustration with your continued failure to process my dispute and investigate inaccuracies on my credit file, despite having submitted the required documentation multiple times. 

I have already provided the following information on numerous occasions, as requested : My full name and any former names. 
My current address and previous addresses ( if applicable ). 
My date of birth. 
Documentation verifying my identity, including a copy of my government-issued ID and proof of address ( e.g., utility bill and/or pay stub ). 

Despite my compliance, I continue to receive generic responses asking for the same documents, with no resolution or updates regarding my dispute. This repeated failure to process my request and verify my identity is not only unacceptable but also a violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Please take immediate action to resolve this matter by : 1. Processing my dispute promptly.

2. Conducting a thorough investigation into the inaccuracies on my credit report.

3. Providing a clear explanation for the delays and why my previous submissions were not accepted.

If this issue is not addressed promptly, I will have no choice but to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.

I expect a timely resolution to this matter. Please confirm receipt of this communication and provide an update on the status of my dispute. 
Fraudulent paycheck stubs were used without my consent or knowledge making this charge off account and loan amount voided and unenforceable Sincerely, XXXX XXXX You can customize this letter further if needed, adding more specifics about your situation.

Company response to consumer: Closed with explanation