vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: NJ

Complaint narrative:
I am submitting this formal dispute to correct the inaccuracies and Metro 2 reporting violations that appear on my credit report. The following accounts have been reported in a manner that directly violates the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 format requirements. 
XXXX  [ XXXX ] 1. Conflicting Account Status : Reporting the account as both " Current '' and " Closed '' is misleading and non-compliant with Metro 2 standards. 
2. Dispute Status Error : The status " Account Not Disputed '' is inaccurate and violates 623 of the FCRA. 
3. Late Payment Error : The account shows a 30-day late payment, which contradicts the XXXX balance and closed status. 
4. Inconsistent Reporting : Dates of last payment and activity are misaligned across bureaus. 
XXXX XXXX Account Number : [ XXXX ] 1. Duplicate Late Payment Marks : The account shows repeated 30, 60, and 90-day lates, suggesting inaccurate reporting. 
2. Inconsistent Dispute Status : Remarks indicate that disputes were resolved, yet the status remains " Account Not Disputed. '' 3. Misaligned Dates : Dates of last activity differ significantly between bureaus, undermining reporting accuracy. 
4. Balance and Term Length Issues : Term length and balance reporting are inconsistent, affecting the validity of the 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 non-monetary relief
Consumer complaint received 2024-10-31 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: NJ

Complaint narrative:
I am submitting this formal dispute to correct the inaccuracies and Metro 2 reporting violations that appear on my credit report. The following accounts have been reported in a manner that directly violates the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 format requirements. 
XXXX  [ XXXX ] 1. Conflicting Account Status : Reporting the account as both " Current '' and " Closed '' is misleading and non-compliant with Metro 2 standards. 
2. Dispute Status Error : The status " Account Not Disputed '' is inaccurate and violates 623 of the FCRA. 
3. Late Payment Error : The account shows a 30-day late payment, which contradicts the XXXX balance and closed status. 
4. Inconsistent Reporting : Dates of last payment and activity are misaligned across bureaus. 
XXXX XXXX Account Number : [ XXXX ] XXXX. Duplicate Late Payment Marks : The account shows repeated 30, 60, and 90-day lates, suggesting inaccurate reporting. 
2. Inconsistent Dispute Status : Remarks indicate that disputes were resolved, yet the status remains " Account Not Disputed. '' 3. Misaligned Dates : Dates of last activity differ significantly between bureaus, undermining reporting accuracy. 
4. Balance and Term Length Issues : Term length and balance reporting are inconsistent, affecting the validity of the 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 2024-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Dakota Financial, LLC
State: GA

Complaint narrative:
Basically I purchased a truck from XXXX XXXX XXXX XX/XX/year> and Dakota Financial in XXXX XXXX CA was my finance company. To get the of credit it would take to purchase this vehicle I had to pay XXXX downpayment. I believe that's illegal under 15USC1662 ( b ) but I was unaware at the time of purchase. So I put XXXX down on this used vehicle and I was told by my salesman at the time Dakota Financial will send all my paperwork and contracts the following week. I never received a contract from Dakota Financial even to this point. I was told my loan would be for 42 months at XXXX per month. I never received that in writing just word of mouth. I requested for my contract several times to be ignored and blowed off. I made payments on this truck with downpayment /repairs and truck payments of {$93000.00} and I have not had a chance to review any contract. I asked for my original contracts and they were never provided. I was transparent with this company and explained to them in XXXX of this year my XXXX XXXX was blackballed in the industry for me standing up for my rights because of a short payment from a brokerage. I let them know everything that was going on and in XXXX my family found out my mother had stage XXXX XXXX XXXX. During this time I still made payments and repaired my vehicle, brakes, tires, and shocks, along with paying this company while my company was blackballed and that prevented me from making revenue since a lot of shippers use XXXX XXXX XXXX. So the rates became really bad once I was able to get back in my truck and during that time I was also paying my insurance in the amount of XXXX per month. So I went back to work but I had an uphill fight as I'm a XXXXXXXX XXXX XXXX. In XXXX I spoke to XXXX and she asked if I could make a full payment on my account I explained to her I would do my best and she said if I couldn't she would have my truck picked up. I told her if I couldn't then I wouldn't waste anyone 's time because I explained I had not had a check to go to my home in 7months because of my expense. She got XXXX and escalated my account for no reason ( Please Request Copy Of Phone Calls I made they will detail everything ) So I was upset and I left a XXXX review and the owner responded to contact XXXX XXXX so I did contact her and she told me if I made the payment my truck would not be in repo status. So I made the full payment and then every payment I was facing repo because of this XXXX lady. But I started to notice no money was going towards my vehicles they would take my money and put them towards late charges so after 20months of payments and a XXXX downpayment my truck balance was still XXXX but the original amount was XXXX so please investigate this company and all the employees. I believe they are illegals within the structure of the company as well. This company is the definition of a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Collection Account Reporting by XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding inaccurate and potentially unlawful reporting practices on my credit report. I believe these practices violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX  Account Balance : {$7800.00} Date Reported : XX/XX/year> Date Opened : XX/XX/year> Account Status : Open, Placed for Collection Details of the Complaint : XXXX. Balance Discrepancy : The reported balance is {$7800.00}, while the highest balance is listed as {$7700.00}. This inconsistency suggests potential errors in reporting, which directly impacts my credit score. I believe this inaccurate reporting violates FCRA guidelines. 

XXXX. Questionable Collection Reporting : This account was reportedly opened on XX/XX/year>, only XXXX month prior to being reported as Placed for Collection. Reporting an account so quickly without thorough validation raises concerns about XXXX XXXX Internationals adherence to FCRA requirements for accurate and substantiated reporting practices. 

XXXX. Lack of Documentation from Original Creditor : I have not received any documentation from the original creditor, XXXX XXXX XXXX XXXX  verifying the origination, history, and legitimacy of this debt. Under the FDCPA, I am entitled to complete validation of the debt prior to its reporting to credit bureaus. 

Requested Action : I request that the CFPB investigate XXXX XXXX XXXX for potential FCRA and FDCPA violations. Additionally, I ask that the CFPB require XXXX XXXX XXXX to : XXXX. Provide full and accurate documentation from XXXX XXXX XXXX XXXX verifying the debt. 

XXXX. Correct or remove any unverified or inaccurate information currently affecting my credit report. 

Impact on Consumer : This inaccurate reporting has harmed my credit score and may affect my ability to obtain credit. These errors have caused significant stress, financial insecurity, and frustration. 

Please notify me of the outcome of your investigation and any corrective actions taken. Thank you for your attention to this matter and for supporting consumers like myself in maintaining accurate credit reporting. 

Sincerely, 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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2024-10-31 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:
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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
In 2023 I was victim in a large crypto scam, please refer to attach documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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 formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$8600.00} late payment XXXX XXXX XXXX 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 2024-10-31 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: NJ

Complaint narrative:
I am submitting this formal dispute to correct the inaccuracies and Metro 2 reporting violations that appear on my credit report. The following accounts have been reported in a manner that directly violates the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 format requirements. 
XXXX  [ XXXX ] 1. Conflicting Account Status : Reporting the account as both " Current '' and " Closed '' is misleading and non-compliant with Metro 2 standards. 
2. Dispute Status Error : The status " Account Not Disputed '' is inaccurate and violates 623 of the FCRA. 
3. Late Payment Error : The account shows a 30-day late payment, which contradicts the XXXX balance and closed status. 
4. Inconsistent Reporting : Dates of last payment and activity are misaligned across bureaus. 
XXXX XXXX Account Number : [ XXXX ] 1. Duplicate Late Payment Marks : The account shows repeated 30, 60, and 90-day lates, suggesting inaccurate reporting. 
2. Inconsistent Dispute Status : Remarks indicate that disputes were resolved, yet the status remains " Account Not Disputed. '' 3. Misaligned Dates : Dates of last activity differ significantly between bureaus, undermining reporting accuracy. 
4. Balance and Term Length Issues : Term length and balance reporting are inconsistent, affecting the validity of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo transferred me for approximately two hours among four different agents, none of whom had the information necessary to assist me with my claim. One of the agents, named XXXX from the fraud department, even laughed at me and told me to go to the police to recover the money that was taken from me, stating that he would do nothing about it. Nevertheless, I kindly requested to be transferred to the supervisor, XXXX, but he cut me off and said, verbatim, that if I wanted to speak with someone else, I should " call back. '' Are these operators not being properly trained? What kind of customer service training do they receive? I called back to assert my rights, as I am justified in reclaiming the money I had saved to purchase a car in cash, which was stolen from my XXXX XXXXXXXX XXXX XXXX, along with my cards, PIN information, and ID. I even had to request new keys when I discovered they were missing. Additionally, my phone, which I use for my work as a XXXX, was also taken, and I have proof that I was only able to recover it yesterday. 

Wells Fargo seems to want to wash their hands of this situation, and let me make it clear that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If I need to study and defend myself to the fullest extent, I will do so! I have rights, and I am alone in this country. To manage my monthly expenses, I buy and sell cars, which is why my money was in that checking account. I will be closing it immediately upon the return of my funds. 

Furthermore, this is not the level of service one expects as a client who consistently maintains over {$20000.00} in the bank. How can they expect to respect me as a person? I will close my account here as soon as my money is returned. 

During my initial call, the agent who took my claim recorded only the transactions she deemed appropriate. I have since discovered that my claim was closed, and upon investigating how to view it online, I noticed that she included transactions from the city where I live, which are indeed mine. However, I was also charged for three ATM withdrawals and a payment of {$1100.00} in XXXX XXXX. The last time I was in XXXX XXXX was to see XXXX in XXXX! 

I therefore request that you utilize all the " advanced technology '' you must possess to investigate this matter thoroughly and return my money. 


Thank you very much for providing this space to clarify everything and for helping me find an entity that can assist me. 

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 monetary relief
Consumer complaint received 2024-10-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi card continues to claim I was XXXX  days late in making payments clearly wrong by the check for {$1000.00}. Payments continued to be made to them until it was paid off in XXXX. In XXXX I overpaid and had to be refunded. The documents show it was no more than XXXX days late and there was never any charge off. Payments were also made before claimed charge off. Information is wrong and negatively impacting my credit score. I have attempted to have this corrected, but they refuse to admit there error going as far as to say XXXX  days to process my payments in some instances was okay and normal which never occurred prior to these issues. No credit card company takes XXXX  days to process payments. Thats negligent and than to punish me for it and claim I paid late and account went into a charge off is outrageous mishandling of funds.

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