vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: LA

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an Everyday Checking Account with Wells Fargo Bank. I deposited {$1000.00} on XX/XX/XXXX via an electronic transfer between Wells Fargo and XXXX Bank. After confirming with their CSR on XX/XX/year>, that I conformed to all of their terms and conditions to receive a {$300.00} bonus if I left the account balance of {$1000.00} for 90 days. The account has been left alone with the {$1000.00} for over 120 days now and we have not received the {$300.00} bonus. The CSR that we talked to on XX/XX/XXXX from Wells Fargo Bank contradicted their prior CSR and said the deposit must be an ACH deposit.

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 2025-02-06 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 have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The American Express account was paid in full, and they have on my account that the debt has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report shows several credit cards that have been written off. I contacted each company with a certified letter to provide me with a 1099 so I could claim the losses as a profit on my credit report. It has been over 90 days. I received the certified post office certified mail receipts but have not received any 1099 to file with my taxes. I contacted the credit bureaus, and nothing has changed either. I need to get this resolved so I can complete my taxes. The companies in question are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These companies are reporting to all three credit bureaus.

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 2025-02-06 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: GA

Complaint narrative:
My credit report shows several credit cards that have been written off. I contacted each company with a certified letter to provide me with a 1099 so I could claim the losses as a profit on my credit report. It has been over 90 days. I received the certified post office certified mail receipts but have not received any 1099 to file with my taxes. I contacted the credit bureaus, and nothing has changed either. I need to get this resolved so I can complete my taxes. The companies in question are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These companies are reporting to all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report shows several credit cards that have been written off. I contacted each company with a certified letter to provide me with a 1099 so I could claim the losses as a profit on my credit report. It has been over 90 days. I received the certified post office certified mail receipts but have not received any 1099 to file with my taxes. I contacted the credit bureaus, and nothing has changed either. I need to get this resolved so I can complete my taxes. The companies in question are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These companies are reporting to all three credit bureaus.

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 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
I strongly believe that I am a victim of predatory lending and unfair lending practices. In XXXX of XXXX I received a mailer from BHG. Upon contacting them, I was told that they make business loans to medical professionals such as I am an XXXX XXXX. I was told that the loan would not show up on my credit report. I was told that the loan would be made to me as XXXX XXXX XXXX doing business as XXXX XXXX XXXX, XXXX. Everything was done online and over the phone. I was also issued a credit card. The payments were made via direct payments drafted automatically from my checking account. Unfortunately, I can not access the documents any longer because the dousign has expired so I can't tell you what the loan amount or interest rate was. I think the loan was for $ XXXX? I was able to monitor my payments and see my loan via the company 's app. 

While I was making payments, I was contacted by someone from BHG and told that I qualify for additional funding. I found this to be very confusing as my financial situation had not changed and I was assured that I received maximum funding with the first loan. I was encouraged to apply and received a second loan. I believe the amount was around $ XXXX. 

I am not certain of the date but sometime after receiving the second loan the company 's app went down. I called and was told that it was being worked on. I was very concerned that I could no longer monitor or have access to my account. I was told over the phone that I could just call anytime. I asked can I receive a monthly statement. I was told no, just check back from time to time and see of the website/app is back online. I find it very deceptive that I could not monitor my loans and could not receive monthly statements. One would think that not giving a consumer access to a monthly statement criminal and fraudulent. 

I had an accident in XX/XX/XXXX and have not worked since. Recently, I missed a payment on one of the loans. When I was contacted by BHG, I explained that I was not working and offered to send them my XXXX letter from my doctor. I asked if both loan payments could be suspended. I was told no. I was told that only the one that I missed a payment on could be eligible for a potential modification. I explained that only modifying one of the loans would not help me as I need both of the payments suspended. I asked that the second loan payment not be drafted from my checking account at the beginning of XX/XX/XXXX. I was told that the payment would be drafted from my checking account as planned. I I sincerely hope that the CFPB can assist me in getting this matter resolved as I have been taken advantage of via predatory lending and unfair lending practices by not allowing or giving me a monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: KY

Complaint narrative:
These mistakes are dragging down my score, holding me back from opportunities, and causing unnecessary stress. Its exhausting to feel like my future is being limited by something so avoidable.

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 2025-02-06 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
thankfully they filed the previous disputes in my favor, however it came to my discovery that they forgot to file a dispute for XXXX dollars, that dispute has been filed now but the fact that this was forgotten and with every time i asked representatives they assured me it was still under review rather than the truth which was it was not filed with the other 5 back in XXXX. associated with 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 monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Started XX/XX/year> XXXX telegram {$1.00} they charged my card XXXX in less than an hour costing me $ XXXX cashapp refused to refund me I spent weeks trying and filing disputes always getting the same answer and you can clearly see it was a hack on my account and when I locked my card they still continued to try. They drained my entire account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
THIS IS NOT MY ACCOUNT, I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX '' XXXX XXXX XXXX DISCHARGE XXXXXXXX XXXX XXXX XXXX DISMISSED XXXX XXXX XXXX XXXX DISCHARGED 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 2025-02-06 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: NE

Complaint narrative:
I am not responsible for this account, as it belongs to someone else. Refuse to send proof because they have no proof this is not my account.

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 2025-02-06 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
After the XXXX XXXX  data breach along with the XXXX  breach I realized unusual activity linked to my infortion. Knowing that I had no engagement with this company I explained to several representatives that my information was being misused. After several failed attempts to have comenity bank/express provide me with information linking me directly to this account I asked that they remove all negative remarks associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Per law XXXX USC XXXX ( a ) ( 6 ) ( B ) ( iii ), I requested a description of determination of the accuracy and completeness of unauthorized charges. I did not receive any documentation showing how said balance is verified other than a linked address identification number.

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 2025-02-06 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: IL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-06 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: LA

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXX  XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-02-06 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: NY

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 XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with non-monetary relief