vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I used to think the economy was bad, but after seeing my credit report, its clear whats really worse the errors that are tanking my credit score. It's beyond frustrating to deal with all this incorrect information, and its causing me serious stress. As a consumer, I have the right to an accurate report, but instead, I'm stuck in this mess. Its ironic, too, because Id probably need therapy for the stress, but I couldnt even pay for it since my cards would get declined thanks to these wrong details on my 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 non-monetary relief
Consumer complaint received 2024-10-22 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: MA

Complaint narrative:
XXXX credited me back for recurring charges from XX/XX/XXXX dating back to XX/XX/XXXX on my XXXX credit card. These were results from phone calls, faxes and CFPB dispute ( Complaint ID XXXX ). On XX/XX/XXXX, three credits were applied for XXXX XXXX  monthly charges. On XX/XX/XXXX three credits were applied for XXXX XXXX XXXX monthly charges and once again on XX/XX/XXXX five credits for XXXX  XXXX XXXX  monthly charges. In XXXX I had a 30 day late reported to my credit from XXXX due to the XXXX  charges that I disputed and was later credited back. I am requesting that XXXX, XXXX  and transunion remove this 30 day late payment. The card was paid down to {$0.00} in XXXX XXXX and there was no balance besides these unexpected charges from XX/XX/XXXX to XX/XX/XXXX. They were credited back by 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 2024-10-22 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: MA

Complaint narrative:
Experian credited me back for recurring charges from XX/XX/XXXX dating back to XX/XX/XXXX on my XXXX credit card. These were results from phone calls, faxes and CFPB dispute ( Complaint ID XXXX ). On XX/XX/XXXX, three credits were applied for XXXX XXXX  monthly charges. On XX/XX/XXXX three credits were applied for XXXX XXXX XXXX monthly charges and once again on XX/XX/XXXX five credits for XXXX XXXX XXXX  monthly charges. In XXXX I had a 30 day late reported to my credit from XXXX due to the experian charges that I disputed and was later credited back. I am requesting that XXXX, experian and XXXX  remove this 30 day late payment. The card was paid down to {$0.00} in XXXX XXXX and there was no balance besides these unexpected charges from XX/XX/XXXX to XX/XX/XXXX. They were credited back by experian.

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 2024-10-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

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.

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 2024-10-21 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: UT

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The sequence of events of the incident transpired between XX/XX/XXXX - XX/XX/XXXX thus far. The investigation is still transpiring a court hearing is scheduled for XX/XX/XXXX Police report was made On XX/XX/XXXX and again on XX/XX/XXXX regarding an individual who stole and held possession of my confidential and personal identifiable information and documentation. 

Since there has been multiple Hard inquiries on being reported to my consumer profile and is negatively affecting my consumer profile and FICO score. 
My XXXX  XXXX XXXX  that was also included in the items stolen has an increased limit during the duration of the incident - that was also reported. 

All Credit cards and documents have been reported stolen and replaced. 
I have contacted the companies to verify information that was used in attempt to create any known inquired accounts. 
A Freeze has also been placed. XX/XX/XXXX Hard inquiries listed on XXXX and Experian XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX 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 2024-10-21 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-10-21 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # 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 a 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX we applied for a Business line of credit in person at the Wells Fargo Bank. After applying by giving our social Security numbers and our signatures, they sent us a adverse letter stating they couldnt give us the loan because our credit was reviewed by Wells Fargo and they stated our credit was denied because of what they had reviewed. 
According to TILA this is discrimination, and the laws are enforced by The FTC, and CFPB which enforces the ECOA. The Federal Reserve Office of the Comptroller and FDIC also has Fair Lending regulations and review banks practices, and Wells Fargo is clearly is in violation, which is subjected to fines, legal action from the regulatory bodies and lawsuits from the consumers, and i will be exercising those rights. 
We have declared that we are not minors, and that we have the capacity to contract. 

If Wells Fargo is denying us the credit then we would like to have our original application back with our wet signature. Which consumers have the right to ask for, according to Consumer Protection Laws, CCPA, and FTC. 
If they cant produce our original application that means they have securitized them and is trading them on the Stock Market and that is deemed securities fraud, and Trust fraud as we the beneficiaries did not get any benefit.

We can take it further and do an audit with a seven series Broker and get all the evidence to show that they are trading them.

We the consumers can not be denied credit by Banks or any financial institution, according to the Federal Reserve Board of Directors they are the only ones that can deny us 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, please check this complaint thoroughly. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress 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 2024-10-21 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: NY

Complaint narrative:
Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I've had my Barclay carnival card for years. 
XXXX weeks ago I got an alert so I called them and someone was trying to use my card. 
I told it wasn't me. They closed that account and told me to reapply which I did. 
They denied me credit due to previous account activity not due to my credit.I contacted them today after they sent me a new card and they canceled it too with no explanation

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 2024-10-22 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:
This is really concerning, the security of my personal information seems to have been compromised as there are items on my report that do not appear to be associated with me. My personal information have been accessed by unauthorized individuals.

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 2024-10-21 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate reporting on my credit report by XXXX, TransUnion, and XXXX concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my XXXX XXXX and has created unnecessary obstacles for me during this challenging time. 

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial XXXX It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt. 

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that XXXX, TransUnion, and XXXX correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations. 

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports. 

Thank you for your attention to this urgent issue. 

Sincerely,

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 2024-10-21 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate reporting on my credit report by XXXX, XXXX, and Equifax concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my credit score and has created unnecessary obstacles for me during this challenging time.

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial stress. It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt.

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that XXXX, XXXX, and Equifax correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations.

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports.

Thank you for your attention to this urgent issue.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate reporting on my credit report by Experian, XXXX, and XXXX concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my credit score and has created unnecessary obstacles for me during this challenging time.

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial stress. It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt.

I am requesting that the Consumer Financial Protectio
n Bureau assist in ensuring that Experian, XXXX, and XXXX correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations.

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports.

Thank you for your attention to this urgent issue.

Sincerely,

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