vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-19 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: IA

Complaint narrative:
I am writing to follow up on a dispute I previously submitted concerning several inaccuracies on my credit report. Despite my earlier communication, these issues remain unresolved and continue to negatively impact my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: IA

Complaint narrative:
I am writing to follow up on a dispute I previously submitted concerning several inaccuracies on my credit report. Despite my earlier communication, these issues remain unresolved and continue to negatively impact my credit scores.

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 2024-07-19 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: FL

Complaint narrative:
On XX/XX/year>, XXXX fraudulent charges were made with what I presume is a cloned version of my debit card in the amounts of {$500.00} and {$340.00} at a XXXX in XXXX XXXX XXXX, Florida. On XX/XX/XXXX ( as soon as I noticed the charges ) I contacted Wells Fargo and informed them of this issue. They sent the claim to their fraud department and said theyd contact me in maximum XXXX business days. Today is XXXX business days and no one contacted me. I proceeded to contact the bank today and they informed me my claim had been denied as the fraud department determined I had made the purchase because they confirmed the chip was used. This is impossible. In fact, I can prove it. I have receipts of other purchases I made on the same date showing I was in XXXX, Florida the whole time. XXXX, Florida is my place of residence. I have not been to XXXX XXXX XXXX, which for reference is XXXX hours away from where I reside. So how is it possible for my card to have been in XXXX places at once? I insisted and explained to the agent that it is impossible, absolutely impossible that I made that purchase. Not only because it wouldve been impossible for me to be at the location, but because I do not frequent XXXX. Ever. Let alone a XXXX XXXX hours away from my house. They refuse to return my money. I did NOT make that purchase. Someone stole my credit card information somehow and scammed me. Wells Fargo is doing nothing. Theres plenty of other authorized transactions in my account that prove I was in XXXX the whole time ( I have attached a receipt of a purchase I made near my house on the same day ). I even contacted the XXXX where the fraud took place and they confirmed the transaction receipt shows the purchase was made only an hour from my next purchase in XXXX. I need this issue resolved. Almost {$900.00} are missing from my account. And Wells Fargo is doing nothing. Im a mother of a XXXX XXXX and have bills to pay.

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2024 I contacted XXXX. XXXX XXXX XXXX regarding a debt that showed up on my Experian credit report that I had never received a debt validation notice about. I called asking for proof of debt to be emailed to me at XXXX. 

After no proof of debt was sent, I filed a dispute with Experian on XX/XX/2024, and followed up with a call, I left a voicemail asking for a call back. 

On XX/XX/2024 I called again to ask about next steps and was transferred to a representative named XXXX, her phone number was ( XXXX ) XXXX. She told me that they did not have proof of debt and due to my filing of that dispute they would be in contact within 30 days of XX/XX/2024, and that my account number for this was XXXX. 

Experian stated that my Dispute results were ready on XX/XX/2024 with report number XXXX, however the day prior I had just confirmed the Debt Collector had no proof of debt. 

I called and left a voicemail XX/XX/2024, after those 30 days to ask for an update, and after not hearing anything I filed an additional dispute XX/XX/2024 stating I received no proof of debt, and the 30 day period had passed for the debt collection company to obtain it. 

On XX/XX/2024 for report number XXXX, Experian is stating that the dispute has been completed and still provide no proof. 

I tried calling again, XX/XX/2024, and it went straight to voicemail again. 
I received a letter dated XX/XX/2024 stating " We previously provided you with the documentation provided by our client to validate their claim. '' Which is false.

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 2024-07-19 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: DC

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong 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 2024-07-19 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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. 


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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Business Factors
State: TX

Complaint narrative:
I was paying the debt to the hospital from XX/XX/XXXX when unbeknownst to me the XXXX  sent me to collections in XX/XX/XXXX. I have continually made the same {$20.00} payment for years to which the XXXX is still accepting and has never informed me that it was not an acceptable minimum payment until XX/XX/XXXX when I called the XXXX to make a payment. The XXXX informed me that they had been sending letters and calling, but I have not received any of this information. They made the excuse that they sent the letters to my old address, but I verified with XXXX that my address was up to date when I moved. My total amount of debt remaining is actively reducing and is also reflecting to National Business Factor, shown via my credit. I've sent a debt verification letter to National Business Factor in XX/XX/XXXX after finding out I can dispute the debt because I never received any letters or notices from this " debt collector ''. I sent a second verification letter in XX/XX/XXXX. It has been more than 30 days since the verification letters were sent. As it states on the verification letter ; I wanted all communication in writing, but National Business Factor keeps calling and leaving voicemails with a privated phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TX

Complaint narrative:
I was charged twice at a hotel. I only booked XXXX room. The hotel has no record of a second transaction and can not issue me any receipt. I submitted a dispute with citibank and they would not issue me a credit. I filed an initial complaint with the CFPB and after a while citi said they sent a response to me, but after calling them on the phone they confirmed that they did not send a response and the issue is still in review. There is no option to re-open a CFPB complaint, so this new one is filed.

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 monetary relief
Consumer complaint received 2024-07-19 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:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-19 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: DC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-19 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my XXXX XXXX being low with all these wrong information.

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 2024-07-20 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

Attached : Identification, Proof of Address, Letter from advocacy group, and Identity Theft 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

Attached : Identification, Proof of Address, Letter from advocacy group, and Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
I HAVE SENT THESE DOCUMENTS BECAUSE I NOTICE THAT INACCURATE ACCOUNTS ARE STILL ON MY CREDIT REPORT. I HAVE NO IDEA WHY THEY'RE REPORTING ON MY END.

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 2024-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: AR

Complaint narrative:
I was seen at the XXXX for a injury ( XX/XX/year> ) I received on the job with the XXXX. XXXX and XXXX paid in full for the bill. I verified this with the hospital and they said I owed no debt, and they never sold any debt of mine. I called UCB asking why I owed XXXX dollars which is now XXXX dollars and all they told me it was from a physician group from XXXX and so I traced back the day the debt was made and found out it was the exact visit to the ER I had that had been paid. I sent them all the documents and asked for them to provide any evidence I owed it and all they provided was their statement of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-07-19 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: SC

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have sent multiple good will letters to XXXX XXXX bank to remove late payments when I was going through hardship during XXXX under the care act. They did not change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong 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