vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # XXXX XXXX Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : 1 ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I have XXXX other personal loans and they still gave me a line of credit and then are trying to charge me up to XXXX a month to repay the loan. I asked for a more reasonable payment and they said no. They never should have granted this loan to begin with and expecting me to pay up to XXXX per month when they know I had all these other loans is completely predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: WV

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-10-02 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX Subject : Formal Complaint Regarding Late Payment Reporting for XXXX  XXXX Account Dear Consumer, Financial Protection Bureau, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account, which I believe to be inaccurate and damaging to my credit report. This situation is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and associated regulations, specifically 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Recently, I submitted a dispute regarding the late payment reported by XXXX XXXX. Under the FCRA, credit reporting agencies are required to conduct a thorough reinvestigation into any disputes filed by consumers. Despite my efforts, I have found that the late payment continues to appear on my credit report, adversely affecting my credit score and overall financial health. 

The failure of the credit bureau to accurately reinvestigate this matter constitutes a violation of the protection afforded to me under federal law. I have attached relevant documentation, including my dispute correspondence with both the credit bureau and XXXX XXXX, which supports my claim. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance with the law. I seek prompt action to remove this inaccurate late payment from my credit report and to restore the integrity of my credit history. 

Thank you for your attention to this urgent matter. I look forward to your timely response and a resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-02 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: IN

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports

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 2024-10-02 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: IN

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports

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 2024-10-02 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: NC

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : Bank of America, [ XXXX XXXX XXXX XXXX ], XXXX XXXX [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-10-02 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
* XXXX - Dispute submitted for transaction XX/XX/XXXX XXXX XXXX CA XXXX XXXX Phone call - Call logs attached ) * XX/XX/XXXX - Contacted Ulta ( message ) to check on status of dispute, they have no record of dispute. Indicated I need to call and talk to representative. 
* XX/XX/XXXX Reached out to vendor for refund, they finally responded indicating there was a dispute awarded in my favor and the amount has been refunded to my credit card ( screenprint attached ). 
* XX/XX/XXXX - Called Ulta, representative confirmed no status of dispute and I need to submit a message on the site with the relevant screenprints proving dispute closed in my favor * XX/XX/XXXX - submitted requested screenprint on the site ( all messages attached ) * XX/XX/XXXX - Response from Ulta... 
* XX/XX/XXXX - Requested update and attached screenprint to message * XX/XX/XXXX - received same response as XX/XX/XXXX. 
* XX/XX/XXXX- I asked for clarification and a callback from a person for help * XX/XX/XXXX - response from Ulta that dispute is still under review and they can not accept phone calls but I can call customer service * XX/XX/XXXX - Requested update and tracking number for case. 
* XX/XX/XXXX - Received same response as XX/XX/XXXX. 
* XX/XX/XXXX - Requested update * XX/XX/XXXX - Advised to call Account protection team * XX/XX/XXXX - Called Account protection team, told account wasn't fraud and they cant help me to contact Ulta Customer Service. 
* XX/XX/XXXX - Called Ulta Customer Service, told they couldn't help me and I needed to contact Account protection team, I explained they told me to contact Ulta ... then was told Ulta couldn't help me because there is no dispute and I needed to contact Account protection team * XX/XX/XXXX - Sent message on site requesting update and supervisor to contact me * XX/XX/XXXX - received response to call customer service * XX/XX/XXXX- I requested update * XX/XX/XXXX- I requested update * XX/XX/XXXX- Received response that I needed to contact Account protection team XX/XX/XXXX - Called customer service to request help, said they have no record of dispute and I would need to call account protection. I asked to speak to supervisor, then call was disconnected. 
XX/XX/XXXX - Called Account protection and was transferred then asked to speak to supervisor and call was disconnected. 
* XX/XX/XXXX - sent response requesting they read my messages, and how do I get help,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX around or about XXXX I made a deposit of {$1300.00} at Wells Fargo ATM on XXXX and XXXX in XXXXXXXX XXXX. Routine message stated funds may not be available until XXXX. Around or about XXXX XXXX received a text message that stop payment hold was placed on deposit. Called Wells customer service around XXXX question the stop payment message with call rep. Texted XXXX client XXXX and received response with email verification that they did not place a stop payment XXXX on XXXX. Called Wells Fargo second time spoke with a different call rep and informed them that client stated no stop payment was done. Agent read same script and advised payment would not be available until XXXX. Went into the Wells office spoke with short male employee. He was very rude, and his demeanor was abrasive. I attempted 3-way call with client on the phone and the employee stated, " if the funds become available on XX/XX/XXXX, then they will be available '' and dismissed himself. I left and came back because I left my debit card in the ATM because I needed to cover a payment that processed and since the funds were not available my account negative at that moment. I spoke with XXXX day manager and explained my issue and interaction with the other employee. Stated he would let manager know. On XXXX went back to wells spoke with XXXX and filed a complaint. On XXXX around XXXX received text message from executive office Wells Fargo. returned call asked agent to escalate issue to manager or attempt a manual process since I had provided a hard copy of the processed check given to me from the client XXXX and their bank XXXX. Everyone only reads from the screen in front of them and they have no escalation process. Sitting on my money for XXXX XXXX only helps their financial sheet and causes me undue financial hardship. I believe that Wells Fargo has a negative profile on my account and will not acknowledge it. I also find it hard to believe that no one in the company has any authority to review and correct a possible system timing error or deposit issue when documented proof is provided.

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