vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After selling my home several years later I was informed by the state of California that Wells Fargo had not delivered a payment due me for over {$2000.00} dollars, I contacted Wells Fargo and have submitted the documents they requested to get my property. It has been months and they still have not honored my request.

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 2024-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ATTACHED ARE MY ID AND SOCIAL TO VERIFY IDENTITY AND FTC POLICE 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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
account opened XX/XX/year> amount {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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 saw that I have an unauthorized credit inquiry

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX, & XXXX have some form of block on my consumer report that is preventing me accessing my consumer report which I am entitled to one. There are several names that are not mine and addresses that are not correct at all. I have provided proof that this information is incorrect and they still refuse to remove it. Specifically XXXX continues to report a name XXXX XXXX that is not mine. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI XXXX my only employment is XXXX XXXX XXXX  any other information is incorrect. I have attached my identification and my residency.

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 2024-05-22 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: NV

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-22 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: EQUIFAX, 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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: 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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
XXXX, XXXX, and Equifax Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by XXXX, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That XXXX credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within XXXX business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from XXXX. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXX XXXX  ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXX XXXX  on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer FICO score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer FICO credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NV

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TN

Complaint narrative:
My mortgage is held by XXXXXXXX XXXX. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with XXXX to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus ( XXXX and Transunion ) have been attached.

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 2024-05-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My mortgage is held by XXXX XXXX Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with XXXX to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus ( Equifax and XXXX ) have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: LEXISNEXIS
State: NJ

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from CLUE Report Dear LexisNexis Risk Solutions, I am writing to formally request the removal of inaccurate information from my Comprehensive Loss Underwriting Exchange ( CLUE ) report. The specific inaccuracies in question are as follows dated below. 

- XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX This request aligns with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies uphold the accuracy of the information they provide. Per FCRA Section 611, I kindly ask that LexisNexis thoroughly investigate the disputed entries and promptly eliminate any inaccuracies from my CLUE report. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX rights have been violated under the Fair Credit Reporting Act. According to 15 U.S.C. 1681 Section 602 A, I have the right to privacy. Moreover, as stated in 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is prohibited from furnishing information without my written instructions. The information regarded above pertaining clue report is not mine, and I request its prompt deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CORELOGIC INC
State: OH

Complaint narrative:
Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) XXXX XXXX, XXXX XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX about a High Credit balance of XXXX. I have no business with XXXX. XXXX, XXXX My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXXI never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate

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 2024-05-22 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: IL

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have discovered that Discover Bank is reporting an account and balance on my credit reports that does not belong to me. They sent me a letter advising that this account will be removed ( XXXX ), but they have not done so. They are harassing me with phone calls day and night, despite the fact that I am on the " do not call '' list. They continue to violate many rules and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ATTACHED ARE MY ID AND SOCIAL TO VERIFY IDENTITY AND FTC POLICE REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting an account from XXXX Bank on my credit report. This account and balance do not belong to me. A removal letter from XXXX Bank is attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-22 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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