vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-11-27 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Mercury Financial Intermediate LLC
State: SC

Complaint narrative:
I purchased a char online that never arrived at the cost of XXXX in the fall of XXXX  XXXX. It was around the holidays so I waited on it for a few months! When I realized it was fraud I contacted mercury card. They sent me a letter refusing to cover the loss. I responded back and have been doing so recently. They promise to call me but never do. They told me what interest they are charging but the refuse to honor the protection the card claims around fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 non-monetary relief
Consumer complaint received 2024-11-27 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:
Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : XXXX. Account Name : XXXX XXXXXXXX XXXX Amount Alleged Owed : {$500.00} XXXX. Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$580.00} XXXX. Account Name : XXXX XXXX Amount Alleged Owed : {$270.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report.

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAXNever Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KS

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 XXXX, 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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with TransUnion and XXXX. Both agencies are incorrectly reporting late payments on my XXXX XXXX XXXX  account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX XXXX XXXX  on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with TransUnion and XXXX, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation. 
The improper disclosure and inaccurate reporting of this information are damaging my credit score and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA. 

I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Caller # XXXX called to inform me that my account had been compromised stating that there were attempted charges made to my account and that it was being monitored for several weeks. After some time on the phone, I realized this was a scam and hung up on the caller. Caller # XXXX continued to spam call me repeatedly in an attempt to get me back on the phone. During that time, I was attempting to call XXXX XXXX XXXX XXXX line to connect with a banker and confirm if the information provided to me was accurate. During this time, I had complications trying to get through to the XXXX XXXX XXXX. XXXX later, I received a call from the XXXX XXXX XXXX XXXX  Caller # XXXX stated that they were from XXXX XXXX XXXX and would help me through the issue I was having. I was told that we were going to set up a new account to which I was then asked to wire money to a new account that showed my name on it, making me believe that I was transferring money to myself. To note : I personally did not enter in a phone number/email in order to wire money to this account. It was already set up for me. During this transaction, {$24000.00} was wired to XXXX XXXX, which I believe to be a fake name. 

XX/XX/year> : On the phone with the " XXXX XXXX XXXX XXXX  '', who was actually a scammer, received {$24000.00} in a wire transfer ; There was also a {$25.00} fee for the wire

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: VW Credit
State: OK

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I opened XXXX checking and saving account on XXXX 2024, and transferred XXXX USD From XXXX and XXXX USD cash out from XXXX XXXX but on XXXX only XXXX after account open, they restricted my account and dont allow me to move in or move out funds in my account. I have call them immediately and after several phone call, they told me is because my fund from XXXX not showing XXXX XXXX as my name, instantly XXXX XXXX, this is my English name that I used many years and I have contacted XXXX to verify XXXX XXXX is XXXX XXXX in email and forwarded to XXXX. And now is half year after my account restricted, and I dont get any updates except they finally announce close of my account from XXXX XXXX and no updates, no time frame for several months! please help me, I need my money to pay my bills! Currently fund in my XXXX account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions 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 XXXX, 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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CL Holdings LLC
State: IA

Complaint narrative:
Since XXXX XXXX a third party company open an account for {$1000.00}. I wasnt notified by the party I was dealing with, and I also didnt feel comfortable with unknown numbers to answer.

Company response to consumer: Closed with explanation