vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to address Wells Fargo 's denial of my claim regarding fraudulent charges totaling {$590.00} on my account. Despite providing evidence of unauthorized transactions, my claim was rejected without a satisfactory explanation. I believe this decision overlooks the clear signs of fraud, as these charges were made without my knowledge or consent. I respectfully request a review of my case and reconsideration of the evidence I submitted to ensure that my rights as a customer are upheld. 

Thank you for your attention to this matter. 


The Date of Transactions were on XX/XX/2024 Was reported by phone on XX/XX/2024 when I discovered the charges

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive noticed an unfamiliar account on my credit report that I believe was added without my permission.

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 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.

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 2024-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I noticed I had an account on my credit that does not belong to me. It was open on XXXX XXXX XXXX XXXX XXXXXXXX. I contacted the company to let them know that I never lived at the address they have on file. I would like to get proof of debt, payment history, a sign signature of mine to prove its my debt. Under 15 USC 1681b and 1692G the credit bureaus are reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX for their posting of incorrect information provided by XXXXXXXX XXXX. This action has resulted in an unjustified immediate drop in my credit score by over XXXX XXXX 

XXXX has failed to resolve a billing dispute, filed in XX/XX/year>, within the legally mandated 90-day period, in direct violation of the Fair Credit Billing Act ( FCBA ). Despite this, XXXX has fraudulently reported this unresolved dispute to the credit bureaus, including XXXX, causing unwarranted damage to my credit score. 

Pursuant to 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$72.00}, nor any associated fees. Consequently, I demand the immediate removal of all erroneous and fraudulent information from all credit bureaus, including XXXX. 

Failure to comply with this demand will result in further legal action, including claims for damages due to the impact on my credit score and the financial harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for their posting of incorrect information provided by XXXX Card. This action has resulted in an unjustified immediate drop in my credit score by over XXXX XXXX 

XXXX has failed to resolve a billing dispute, filed in XX/XX/year>, within the legally mandated 90-day period, in direct violation of the Fair Credit Billing Act ( FCBA ). Despite this, XXXX has fraudulently reported this unresolved dispute to the credit bureaus, including Experian, causing unwarranted damage to my credit score.

Pursuant to 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$72.00}, nor any associated fees. Consequently, I demand the immediate removal of all erroneous and fraudulent information from all credit bureaus, including Experian. 

Failure to comply with this demand will result in further legal action, including claims for damages due to the impact on my credit score and the financial harm caused.

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 2024-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX XXXX XXXX I bought used XXXX XXXX from BMW dealer south Motors BMW XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Fl XXXX back on XX/XX/XXXX. 
Mn complaint not against the dealer but against XXXX XXXX XXXX ( BMW BANK OF NORTH AMERICA XXXX XXXX XXXX XXXX AZ XXXX. 
My monthly payment was set to be {$780.00} monthly. I decided to pay the car fast to be able to buy another one for my wife as she also like it, I start pay monthly payment off my bank account bill pay in the amount of {$1200.00} XXXX monthly same as my mortgage loan the bank will receive the regular monthly payment plus an extra principal to be deducted off the mail loan, unfortunately BMW Bank of North America has their own way to hold all extra principal kept it under their control never deducted of the main loan balance. like I have no control of my loan payment to keep themselves earned interest on me for the extra principal money that I paid. I contacted them and they said my money is deducted of your principal. That has never happened please see attached statement for XX/XX/XXXX it will show negative balance as no adjustment done to my loan balance. I believe it is consumer fraud, since that bank kept my money never credit it or refunded. I need your help to straight up that bank to be the way it should be as any car loan dealer. I do have other car loan with XXXX XXXX bank and any extra principal adjusted within a day toward the loan balance. 
BMW financial services has their own way to fraud consumer by hold my money and kept charge me high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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  XXXX5 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 consumer reporting agency can not furnish an 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 or any adverse items 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 2024-10-08 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: GA

Complaint narrative:
Transunion is reporting XXXX charged off accounts from XXXX XXXX XXXX  XXXX XXXX Account # XXXX opened XXXX with a balance of {$1500.00} Account # XXXX opened XXXX with a balance of {$1400.00} Both Accounts were charged off back in XXXX  and was done was reported a business tax write off with the IRS. 
Transunion keep updating the charge off as currant date, but when you ask for a validation of the debt, they will not provide the documents.

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 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Multiple letters have been mailed requesting for the information to be delete it and removed from my credit. First letter send XX/XX/24, second letter sent XX/XX/24 and final letter sent on XX/XX/24. No updates have been provided or correspondence. 

Account XXXX AMOUNT XXXX Account XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: OK

Complaint narrative:
I started a dispute with Equifax on XX/XX/year> for late payments reporting inaccurate. I also sent proper documentation verifying my identity and residence. Equifax sent a letter out stating they could not process my request due to documentation needed. So, I sent another certified letter providing them with the same documents, which they still have not resolved. I received another letter XX/XX/year> stating they needed documentation again for my identity and residence. This has been an ongoing issue, and I believe they are trying to stall and not correct the issue. These late payments are not accurate and I want them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXXXXXX 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 explanation
Consumer complaint received 2024-10-08 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the following items, or inaccurate information, from my file immediately & send me the results to the address 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance {$28000.00}XX/XX/XXXXXXXX Balance {$410.00} XX/XX/XXXX Balance {$220.00} XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$460.00} XXXXXX/XX/XXXXBalance {$220.00} XX/XX/XXXXXXXX Balance {$0.00}

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-08 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: PA

Complaint narrative:
I disputed the accuracy of the information related to my account with XXXX XXXX XXXXXXXX with transunion However, you have continued to report information without properly notating that the account is in dispute, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ). This failure to notate the dispute renders the reporting incomplete and 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 explanation
Consumer complaint received 2024-10-08 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: IN

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights Account # XXXX has violated my rights. 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief