vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
My account with XXXX, XXXX, AND 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 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, AND 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 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 2024-12-05 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: FL

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 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 2024-12-05 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: FL

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 2024-12-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$38000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion, XXXX Sales Financing XX/XX/XXXX TransUnion, XXXX XXXX  - XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX 15 U.S.C, 1681section 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. 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 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 2024-12-05 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-05 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Due to this breach, these accounts are the result of fraudulent activity, and I am requesting their immediate removal and blocking to protect my credit rights. 
The following account details were included in the breach : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$310.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Due to this breach, these accounts are the result of fraudulent activity, and I am requesting their immediate removal and blocking to protect my credit rights. 
The following account details were included in the breach : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$310.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my report, I discovered unauthorized hard inquiries I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and request there removal. Unfortunately, the credit bureaus refused to remove them off my report. The issue is causing me undue stress and is negatively affecting my financial standing and defaming my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-05 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:
It is unacceptable that unauthorized information has been added to my credit report without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
**Subject : ** Formal Complaint Against Wells Fargo for Financial Misconduct and Consumer Rights Violations **To Whom It May Concern, ** I am submitting this formal complaint to report serious misconduct by Wells Fargo that has caused significant financial and emotional harm. The following are the key issues : # # # 1. **Withholding of Unemployment Funds** - On XX/XX/year>, the California Employment Development Department ( EDD ) deposited unemployment funds into my Wells Fargo account . However, these funds never appeared in my account.

- Wells Fargo falsely claimed the funds were returned to the EDD, but the EDD has confirmed this is not true and provided verification.

# # # 2. **Tampering with Account Transactions** - Multiple transactions in my account were altered or erased without my authorization.

- I have screenshots showing discrepancies between my account activity before and after the alleged tampering.

# # # 3. **False Advertising** - I was promised a {$120.00} promotion for setting up direct deposit when opening my account. Despite meeting all requirements, this promotion was never fulfilled.

# # # 4. **Unauthorized Disclosure of Personal Information** - Wells Fargo disclosed my personal account details to my employer without my consent, which is a violation of federal privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

# # # 5. **Illegal Recording of Conversations** - Conversations with Wells Fargo Loss Prevention managers were recorded without my consent. As a California resident, this violates the state 's two-party consent laws.

# # # Supporting Evidence : - Screenshots of my account activity before and after the discrepancies.

- Correspondence from the EDD confirming their deposit and denying any return of funds.

- Emails and records documenting the missing {$120.00} promotion and other issues.

# # # Resolution Sought : 1. Immediate investigation into the withheld unemployment funds and restoration of the missing amount.

2. Fulfillment of the {$120.00} promotional offer.

3. Formal acknowledgment of privacy violations and appropriate corrective actions.

4. Compensation for financial damages and emotional distress caused by Wells Fargo 's actions.

This complaint involves violations of federal and state laws, including : - The Gramm-Leach-Bliley Act ( GLBA ) - California 's Invasion of Privacy Act ( CIPA ) - False advertising and deceptive practices laws I respectfully request your assistance in resolving these matters. Please let me know if additional information or documentation is needed to support this complaint. 

Thank you for your attention to this urgent matter. 

**Sincerely, ** XX/XX/year>

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
American Express advertised 6 % back for groceries and 3 % back for gas but they didn't disclose their " exclusion '' up front. They made it sound like their promotion was eligible for all groceries and gas. However, they said if I read their papers it indicates that their promotion is very limited to certain types of transactions only. I didn't know this until after I spent nearly {$700.00} in groceries and got nothing from it. They are promoting very misleading promises that easily entraps people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-05 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: KS

Complaint narrative:
This complaint is filed against Commerce Bank located at XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX. 
I mailed my estimated tax check to the IRS dated XX/XX/year> using a blue mailbox outside the post office. The check was stolen and the payee information changed on the check originally made out to the IRS changed to payee XXXX XXXX and electronic deposited into a XXXXXXXX XXXX XXXX XXXXXX/XX/year>. I discovered the stolen check on XX/XX/XXXX and reported it to an assistant bank XXXX XXXX XXXX that day who filled out the affidavit paperwork. XXXX XXXX indicated the funds would be returned to my account taking about XXXX weeks. I did file a police report as well as a report with the XXXX XXXX both agencies stated it was up to Commerce Bank to retrieve the funds. At 30 days with no contact from my Commerce Bank I inquired the status. At that time I was told a wrong box was checked on the form and needed to be resubmitted ... .indicating the form was not looked at for 30 days. The branch XXXX XXXX XXXX became my XXXX  and I would check in every 30 days or so and was told the fraud division was emailed to check status but no feedback or updates, XXXX XXXX indicating some fraud checks were taking even up to 120 days to process. At 120 days I asked XXXX XXXX to have another XXXX contact me for an update to resolve or at least give feedback. I got a phone call from XXXX XXXX around XX/XX/XXXX. She offered not much of an update only that Commerce bank had submitted the paperwork to XXXX to get the funds returned and that I should try contacting XXXX XXXX, which I did and they stated I needed to follow up with Commerce. I emailed XXXX XXXX and received an auto reply she was on maternity leave and to contact XXXX XXXX. I emailed XXXX XXXX as the XXXX switchboard would not connect me via phone. I got no response to that email. I sent a follow up email XX/XX/XXXX to XXXX XXXX and received an auto response out of the office until XX/XX/XXXX. Currently I'm at over XXXX  days waiting to be reimbursed {$5000.00} for the funds fraudulently taken out of my Commerce Bank checking account. Please help with assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 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:
This morning, I found incorrect accounts on my credit report, and I dont understand how or why this has happened. I check my credit report regularly, and everything was fine before. But today, these mistakes appeared out of nowhere. I even refreshed my browser multiple times, hoping it was just a technical issue, but nothing changed. These errors stayed there, and now Im at a loss for what to do. Please, Im begging you to thoroughly review the documents Ive submitted so I can stop living with this constant fear and uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
Omission of accounts that negatively affect the accuracy of my credit history, I request your intervention to investigate this situation and update my report with the correct information. Below XXXX detail the relevant information about the five ( 5 ) accounts that are not reflected in my credit report : * XXXX XXXX. account number : XXXX * XXXX XXXXXXXX XXXX. account number : XXXX XXXX XXXX XXXX * XXXX XXXXXXXX. account number : XXXX XXXX XXXX XXXX XXXX XXXX. account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief