vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: CA

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 Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized, and I request that it be promptly investigated and corrected.

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 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Provide Information Pursuant to Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against the three credit reporting agencies ( XXXX, XXXX, and TransUnion ) for their failure to provide me with or respond to my request as per my written notice dated XX/XX/2024. I believe this action violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I sent a written request to each of the credit reporting agencies mentioned above requesting specific information related to my credit report, as allowed under the FCRA. However, to date, I have not received any response or acknowledgment of my request from any of the credit reporting agencies. 

This failure to respond is not only a violation of my rights under the FCRA but also hinders my ability to review and verify the accuracy of the information being reported about me. As a consumer, I am entitled to access this information and ensure that it is correct and up to date. 

I am invoking my rights under the FCRA and requesting that the credit reporting agencies promptly provide me with the requested information. Additionally, I request an investigation into why my initial request was not acknowledged or responded to within the required timeframe. 

Please find the details of my original request enclosed with this letter for your reference. I kindly ask for your immediate attention to this matter and a timely resolution in accordance with the FCRA. 

Thank you for your prompt action in this regard. I look forward to your response within the statutory timeframe. 


Enclosures : 1. Copy of original written notice dated XX/XX/2024 2. Any relevant documentation or correspondence related to this 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Provide Information Pursuant to Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against the three credit reporting agencies ( Equifax, XXXX, and XXXX ) for their failure to provide me with or respond to my request as per my written notice dated XX/XX/year>. I believe this action violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a written request to each of the credit reporting agencies mentioned above requesting specific information related to my credit report, as allowed under the FCRA. However, to date, I have not received any response or acknowledgment of my request from any of the credit reporting agencies. 

This failure to respond is not only a violation of my rights under the FCRA but also hinders my ability to review and verify the accuracy of the information being reported about me. As a consumer, I am entitled to access this information and ensure that it is correct and up to date. 

I am invoking my rights under the FCRA and requesting that the credit reporting agencies promptly provide me with the requested information. Additionally, I request an investigation into why my initial request was not acknowledged or responded to within the required timeframe. 

Please find the details of my original request enclosed with this letter for your reference. I kindly ask for your immediate attention to this matter and a timely resolution in accordance with the FCRA. 

Thank you for your prompt action in this regard. I look forward to your response within the statutory timeframe. 


Enclosures : 1. Copy of original written notice dated XX/XX/year> 2. Any relevant documentation or correspondence related to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: CA

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, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-03-26 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: CA

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, Experian, and 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 2024-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I currently own XXXX American Express prepaid gift cards, in the amounts of {$50.00} and {$100.00} that I received within the past XXXX  months. I have trouble using both of them either online or in stores. I have gone online to the AmEx website, registered and checked balances, and both cards are loaded fine but I keep getting declined when trying to purchase items. I have had issues at stores like XXXX, XXXX, and XXXX. This is not the first time I have had issues with American Express gift cards either. It is very frustrating to have {$150.00} worth of funds but not be able to use any of it, anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
For the past two years Wells Fargo has been debiting my XXXX  account on and off. In doing this, payment was being made from my XXXX  checking account to a Wells Fargo  XXXX XXXX XXXX credit card. This has been happening for months at a time, with only a few lapses in months in between. They have been doing this without my knowledge or authorization. I am in no way associated with Wells Fargo or the furniture store the credit card is for. 

These are the following charges I can account for : XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : XXXX This totals {$5000.00}. There may be more charges prior to XX/XX/XXXX but I was not able to check as that bank account has been closed and was not able to request statements dating that far back. These transactions were never authorized nor was I ever aware they were being made. I have no affiliations with Wells Fargo or the person whos Wells Fargo account it is. I have never banked with Wells Fargo either. 

The person who owns the Wells Fargo credit card is aware of all of this. Wells Fargo was also made aware of all of this. They stated they would return all the payments that were made using my checking account but they have yet to do so. I have been fighting this battle since XX/XX/XXXX. 

The craziest part is that they are still trying to debit my now closed account. They are still trying to charge and process payment for the WF credit card even though they are aware of this situation and that bank account is closed.

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 2024-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have filed several complaints with the XXXX regarding a Home Depot store credit card. I noticed fraud on the card, unfortunately, I had been paying my monthly bill for months prior to noticing the fraud charges due to being busy running 2 businesses. Once I saw the fraud, I contacted XXXXome Depot and informed them of the fraud and they requested a copy of my bank statement and ID and provided a fax number to submit documents to their security operations team at XXXX. After sending the documents more than 3 times to 3 different number to include XXXX, I called to confirm receipt of the documents, only to be told they were never received. I expressed my frustration to include confirmation of the transmission report reflecting 10 pages were sent OK. This dispute has exceeded the maximum time alotted for resolution to include XXXXome Depot acknowledged fault and credited my account. However, Home Depot insisted I stay as a customer and assured they would close out the fraud account. In return, Home Depot issued a new card and confirmed it was not attached to the frauduelent card/account -- this after being asked several times by me, due to the frustration and desire to not keep a card with the institution. At this point I was referred to Citibank due to Home Depot 's lack of assistance in resolution and my many escalations on more than 5 calls. Once I received the new card, I chose to use it for an in-store purchase less than XXXX. Within 2 weeks of my purchase, Home Depot added the fraud charges from the previous fraud card-which was to be closed out and confirmed as fraud done in store from the security operation team upon my investigation of the charges, and my request for the store to pull the cameras from the store to pursue the fraud that incurred -- -and Home Depot put interest XXXX fees and the fraud from the confirmed card that was closed onto the new account and card that was issued after my bank account was credited initially. 
Home Depot then reported this to the credit bureaus as non-payment and put the fraud charges back on my account. I requested this fraud account to be closed in XX/XX/year>. Citibank then closed my Best Buy card that was paid in full with no balance after this incident. Furthermore, Citibank/Home Depot reported non payment to the 3 credit bureaus which immediately reduced my XXXX credit score by XXXX points and it is not repaired since this incident has occured. This is the only thing that is affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I'm currently experiencing a dispute directly with the credit bureau regarding inaccurate information reported by Discover. Despite my efforts, their response has been that the account has been verified. However, I find it perplexing that the information provided by Discover differs across all three credit bureaus. Discrepancies include details such as the date opened, high credit, credit limit, last report, comments, date last active, date of last payment, payment history, and more.

Furthermore, while they are reporting a late payment, it's important to note that according to regulations, a creditor may not consider a payment on a credit card account as late for any purpose unless reasonable procedures have been established to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer at least XXXX  days before the payment due date. 

I've requested Discover to update the late payment status to reflect that it was paid on time, but unfortunately, they are disregarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : MIDLAND CREDIT MANAMENT INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Once the XXXX writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection XXXX XXXX. Section XXXX ( g ) : Under the XXXX, FDCPA, XXXX XXXX ( g ), you have XXXX  days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
Edfinancial continues to reverse all payments I make and puts my account in delinquency. I've been trying to make payments for months and they won't take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I traded my XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023 and the purchase agreement was {$18000.00} and they confirmed pay off that day. I stopped an automatic payment that was going to come out of my account on XX/XX/2023 because they were getting a check with the amount before that payment came out to pay the whole thing off. Green State Credit Union received the check and placed the extra money into a savings account and never informed me of this transition. The title was given to the dealership and the car was then sold. Green State called me and claimed that I still owed {$560.00} on the account and argued with me because I knew that I didnt owe that. I confirmed with the dealership that the entire account was paid off. When the dealership then contacted them, they realized they messed up and put that money into a savings account and at the point transferred it over. They then tell me that I now owe {$70.00} for late fees and the interest that has built up since XXXX. I said how is this because your company placed the money into a savings account, in which I was never informed about and had the payment the whole entirety that youre saying the interest was acquiring. So, dont believe that I should have the delinquent payment on my report for them not transferring money to the right account. They told me that they would knock the late fee off because of the situation so I paid the {$43.00} that was interest.

Company response to consumer: Closed with monetary relief