vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX  The only job I need listed is : " XXXX XXXX '' " XXXX  XXXX  XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TN

Complaint narrative:
I recently noticed an entry on my credit report from your company regarding an alleged debt with the following details : Balance : {$1600.00} Date Opened : XX/XX/year> Account Status : Open Original Creditor Name : No Info Provided Remarks : Collection Account I am writing to formally dispute this account as I do not recognize it and am unaware of any debt owed to your company. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting validation of this debt. Please provide the following : Proof of the debt ( including a copy of the original agreement or contract ). 
The name and contact information of the original creditor. 
A complete payment history to substantiate the amount being claimed. 
Evidence that you have the legal right to collect this debt. 
Additionally, I have identified a violation of the FCRA due to the reporting of unverifiable and inaccurate information to the credit bureaus. This has caused harm to my credit profile, and I am demanding {$3000.00} as compensation for this violation. If payment is not made promptly, I will consider pursuing legal action to recover damages, including statutory damages, court costs, and legal fees. 

Until proper validation is provided, I request that this account be marked as in dispute with all credit reporting agencies, as is required under the FCRA. 

Furthermore, please cease all communication with me except to provide the requested validation, to confirm the removal of this account from my credit report, or to address my demand for compensation. If you fail to provide validation, I will consider this debt invalid and request its immediate removal from all credit bureaus. 

I expect to receive a response from you within 30 days of receiving this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I was sent to live in XXXX  by the company i work for a few months. They, the business was paying the utilities and rent of the house we stayed in. When i moved back to XXXX  I did not leave a forwarding address and was fully expecting the business to take care of the final utility bill that was ultimately sent to Diversified Adjustment Services ( a collection agency ). Diversified Adjustment Services never contacted me by phone or email. All correspondence was sent to the address i was no longer at! Once I found out it was it was on my credit report, i paid the balance to XXXX ( the original creditor- a utility company ). I paid the creditor directly because I had no information on the collection agency at that time. This was paid on XX/XX/year> and was assured it would be removed from my credit report with 45 days. It is nearing 3 months and this has yet to be taken care of. 

I reached out to all three credit reporting agencies and sent them the letter and statement from the utility company showing the account had been paid directly to the original creditor. XXXX and XXXX immediately removed it from my credit report. XXXX refuses to remove it, claiming that Diversified Adjustment has told them, on the three occasions I have filed a dispute, that the account has not been paid off. 

Diversified has refused to send me a statement or receipt showing it was paid off and keeps telling me that they have advised XXXX that the account is paid on three occasions. The lack of communication between XXXX and Diversified Adjustment has my hands tied without knowing where to turn for help on this matter. I need this removed from my credit report as soon as possible. I have waited long enough for this. I paid this account three months ago. This game of theirs is absolutely ridiculous already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a bill payee for {$490.00} to pay a bill XXXX. I receive a call that they had not recevice my payment. I told them I sent it already, gave them the date and addresses where I sent the payment. I wait seven days before I could file a complaint.I was told I need proof of payment. I got the proof and fax it in. Them I was they needed to see the check. I went to Wellsfargo request a copy of the check. I recevice a copy of the check and discover that the check was mail to another company. I went to Wellsfargo and file a complaint and let them know what happen, they took the report and I have to wait 7-10 business until the do their investigation. I recevice a called XX/XX/XXXX, telling me nothing they could aboout it. XXXX reported me to the credit bureau late payment. Also, my credit was affectted my creditor drop me credit limit. My concern is they sent thr payment to the wrong company and they are not responsible for this.

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 2025-01-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Unexplained Credit Score Decrease To Whom It May Concern, I am writing to formally file a complaint regarding an unexplained decrease in my credit score, which has significantly impacted my financial standing. I have always maintained good credit behavior and have never missed any payments. 
On XX/XX/year>, I contacted XXXX to inquire about my credit score decrease. On XX/XX/year>, my credit score was XXXX, but it inexplicably decreased to XXXX in XX/XX/year>. On the same day, I also contacted XXXX to investigate the reason for my credit score dropping from XXXX to XXXX in XX/XX/year>. Additionally, on XX/XX/year>, I contacted Experian to understand why my credit score decreased from XXXX in XX/XX/year> to XXXX in XX/XX/year>, a significant 30-point drop. 
Unfortunately, none of the credit reporting agencies provided a satisfactory explanation for these unexplained decreases. The representative from Experian even advised me to contact FICO, which I did on XX/XX/year>. The FICO representative stated that they had nothing to do with the decrease in my credit score. 
For over 20 years, all of my payments have been in good standing. If any changes were made to my credit score, it is concerning that the three credit agenciesExperian, XXXX, and XXXXdid not reach out to me before making such changes without my consent. Moreover, I have opted out of sharing my personal information with all three agencies. 
According to 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) governs how consumer credit reports are accessed and promotes the privacy, accuracy, and fairness of personal information. Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. It is evident that Experian, XXXX, and XXXX have not followed these regulations, resulting in inaccuracies and unexplained decreases in my credit score. 
I respectfully request that this matter be investigated and resolved as soon as possible. My credit scores should be restored to their previous levelsExperian at XXXX, XXXX at XXXX, and XXXX at XXXX. 
Please refer to the attachment for further details Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-10 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Self Financial Inc.
State: TX

Complaint narrative:
Self/southstate ban has been reporting a paid account negatively on my credit report! I owe no debt to this company whatsoever and have requested removal from this company several times! XXXX XXXX XXXX is also reporting a paid account negatively on my credit report! I owe {$0.00} to these companies! I am aware of my rights and laws and will like to take further actions! I want these companies to remove any negative information/collections from off of my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: SC

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I got a call on XX/XX/XXXX from USAA. I believe it was a scammer. He was messaging me through usaa fraud department codes and my login to verify and it was right and from the fraud department I thought so I confirmed. He ended up putting money in my account and talked me into putting {$2300.00} on an XXXX cash card in my wallet. I did as he said, then, he kept telling me to delete all my cards in my apple wallet. Hit the plus button at the top, and add a debit card. Then he told me to wait while his system anuto populates the number. And he told me the debit card numbers to enter, annd tried to put the money there to send back to bank. and the transaction were he put money in my account said XXXX XXXX XXXX. I lost signal and the call ended. I then called usaa where I ended up getting transferred to the same guy. So I hung up and called back. Then got someone new. I explained what had happened and they investigated. I logged into my account and noticed another checking out that was opened a month prior with someone elses name. Now since USAA reversed a mortgage payment from XXXX and one from XXXX I got a call threatening me with foreclosure. I told them what happened they called me a lier. I called usaa back this morning because everything is supposed to be closed and good. That other account is still on there. They told me they are taking care of it but they cant give the money back to the mortgage place. He said I can download the documents and send them to the mortgage company via email. I told him XXXX cant they dont have one and he said there is nothing he can do and just hung up. I log into my account to look at all the documents and they are gone. Like they were never there about the changes to that random account with letters addressed to me. USAA deleted them because they messed up and trying to cover it up. Now I am losing my entire house

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 2025-01-10 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-10 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: NJ

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. 

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 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 response to consumer: Closed with non-monetary relief