vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX have been reporting information on my credit report without my consent or contractual agreement. I have never entered into any formal arrangement with either entity, and the information they are reporting 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 2024-02-13 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-13 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: NJ

Complaint narrative:
Deducted XXXX points from my fico score for late payment that was there in error. for XXXX XXXX  change status but Credit Bureau did not give me my XXXX points back on my fico score in accurate information. They still will not give proper points back reading wrong across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
In accordance with the provisions outlined in the Fair Credit Reporting Act, I am composing this communication to formally request an immediate investigation and rectification of an account that appears to contain inaccuracies and incompleteness within my credit file, as follows : Equifax : NM CHILD SUPPORT Date opened : XX/XX/2012 XXXX Balance : {$0.00}. Furthermore, I hereby request thorough verification of the aforementioned account. Should you be unable to substantiate the accuracy of the provided account information to the fullest extent, I implore you to promptly rectify and update it accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid off the XXXX 's amount. 
On XX/XX/XXXX, I initiated another transaction, specifically targeting principal. However, {$1800.00} of the transaction had been allocated to pay XXXX 's interest. 
On XX/XX/XXXX, the XXXX 's statement was out. 

On XX/XX/XXXX, I paid off the XXXX 's amount. 
On XX/XX/XXXX, I initiated two transactions, specifically targeting principal. However, in the first transaction, {$1700.00} had been allocated to pay XXXX 's interest. In the second transaciton, {$1600.00} had been allocated to pay XXXX 's interest. 
On XX/XX/XXXX, the XXXX 's statement was out. 

On XX/XX/XXXX, I initiated a transaction specifically targeting principal. However, {$1600.00} had been allocated to pay XXXX 's interest. 

Due to this unintended pre-payment, the reduction of my principal balance has slowed down and I have paid ~ {$150.00} extra interest than I should have. 

I contacted the bank on XX/XX/XXXX, XX/XX/XXXX. They contacted on XX/XX/XXXX. 

During evey of such commnications, in the beginning, the representative always tried to fool around and tried to get away without fixing my problem. I had to insist firmly to push them to correct my transactions. 

After the communications, they corrected the transactions on XX/XX/XXXX and XX/XX/XXXX. However, they had difficulty to correct the transaction on XX/XX/XXXX. 

In total I have spent 7 hrs on this issue. Without noticing the issue myself, I may end up paying thousands of extra interest this year. 

I request the bank to send a public notice so all mortgage constomer can check their payments, but they refused.

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 2024-02-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: OH

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-Investigated

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 2024-02-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-02-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to my rights under 15 USC Code 6802 ( b ) ( 1 ) regarding the obligations of financial institution in disclosing nonpublic personal information to nonaffiliated third parties.

According to the law, you are required to : -Clearly and conspicuously discloses to me in writing or electronic form, that my personal information may be disclosed to an nonaffiliated third party ; -Provide me with the opportunity, before my information is initially disclosed, to opt out of such disclosures : -Account Name : XXXX XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXXExperian Also has incorrect personal information. The correct information is ; Name : XXXX XXXX DOB : XX/XX/year> Address : 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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request an investigation and correction of late payments that have appeared on my credit report. Upon reviewing my credit history, I noticed inaccuracies regarding the timing of payments for certain accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent inquiries account from my credit report. Upon reviewing my credit report, I discovered an account that is the result of identity theft and fraudulent activity 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BAL.OWNED : {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-02-13 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: AL

Complaint narrative:
I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to XXXX on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if two different reporting companies are reporting different information for the alleged account? I have not heard a response from XXXX. 
I have also informed XXXX that I did not authorize Inquiries that are reporting.

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 2024-02-13 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: AL

Complaint narrative:
I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to XXXX on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if two different reporting companies are reporting different information for the alleged account? I have not heard a response from XXXX. 
I have also informed XXXX that I did not authorize Inquiries that are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$27000.00} Needs Attention This account is showing on XXXX. Incorrect payment history and balance etc. On XXXX there is no account like this on my report. I have reported this to them multiple times and they still refuse to remove it. Information is supposed to be accurate. The information is not accurate or complete because there is different information on all three bureaus and no information at all on some. this is completely against my rights.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My wife and I moved to XXXX XXXX in XX/XX/XXXX, and we transferred our credit card debt when we moved. My wife has no plans to return to the U.S., so she hasn't received any emails from BOA. However, on XX/XX/XXXX, at XXXX XXXX XXXX time, I received an email about a collection on my wife 's credit card debt. I checked it out, notified her, and she immediately made an international call to pay it off. The problem is that she was charged about {$240.00} in late fees. The initial credit card debt was about {$290.00}. She moved to XXXX XXXX and disconnected her US cell phone. As a result, she did not receive proper notification of the unpaid amount. She paid off the credit card debt immediately after receiving the notification. I am wondering why it took you ( BOA ) 6 months to send me an email. I protest BOA for not giving us this opportunity, as we could have reduced the late fee if you had notified us earlier. I would like to get at least part of the late fee back if possible. Please help me.

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 2024-02-13 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: NY

Complaint narrative:
Multiple overdraft fees consecutively since I first opened an account with you guys since XXXX when I was a kid I was taken advantage of as a minor, you guys have to be rediculous to still be doing the same things we are in XXXX thats 9 years of violating my consumer rights and privileges.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-Investigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
According to code 15 U.S.C 1681, my consumer rights are being violated as there are accounts listed as XXXX, XXXX and XXXX being reported on my Equifax report. 

1 ) Ive previously submitted a police report and FTC report showing I was a victim of fraud ( check your records ) and included these accounts 2 ) the accounts do not belong to me 3 ) Equifax refuses to provide documentation with a wet signature by me proving the validity and ownership of the accounts 4 ) none of the accounts match my records ( address, etc. ) 5 ) Equifax is the only bureau reporting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MA

Complaint narrative:
I sent a letter XX/XX/2024 XXXX and Transunion. Tracking numbers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated the accounts were 100 % accurate and this is not true. 

According to the law 15 U.S code 1681a- Definitions rules of construction. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information, shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumers or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke to. 

How did they complete this 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 non-monetary relief
Consumer complaint received 2024-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just received an unortherized inquiry from capital one at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NV

Complaint narrative:
Experian , XXXX XXXX didnt remove late payments

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