vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: CO

Complaint narrative:
Three accounts are fradulent accounts and must be removed from my credit report legal action will be taken if not XXXX XXXXXXXX XXXX  XXXX ( balance {$920.00} ) Does not belong to me identity was stolen delete. 

XXXX XXXX XXXX XXXX XXXXXXXX ( balance {$830.00} ) Does not belong to me identity was stolen delete XXXX XXXX XXXX  : XXXX ( balance {$640.00} ) Does not belong to me identity was stolen and is under XXXXXXXX XXXX XXXX XXXX which is not my name please delete

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 2024-06-25 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: CO

Complaint narrative:
XXXX accounts are fradulent accounts and must be removed from my credit report legal action will be taken if not XXXX XXXX XXXX  XXXX ( balance {$920.00} ) Does not belong to me identity was stolen delete. 

XXXX XXXX XXXX  : XXXX ( balance {$830.00} ) Does not belong to me identity was stolen delete XXXX XXXX XXXX  : XXXX ( balance {$640.00} ) Does not belong to me identity was stolen and is under XXXXXXXX XXXX XXXX XXXX which is not my name please delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: CO

Complaint narrative:
XXXX accounts are fradulent accounts and must be removed from my credit report legal action will be taken if not XXXX XXXX XXXX  XXXX ( balance {$920.00} ) Does not belong to me identity was stolen delete. 

XXXX XXXX XXXX  : XXXX ( balance {$830.00} ) Does not belong to me identity was stolen delete XXXX XXXX XXXX : XXXX ( balance {$640.00} ) Does not belong to me identity was stolen and is under XXXXXXXX XXXX XXXXXXXX XXXX which is not my name please delete

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 2024-06-25 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to XX/XX/year> 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 XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, the car was involved in an accident. On XX/XX/year>, the car was deemed totaled. On XX/XX/year>, XXXX XXXX of XXXX requested a letter of guarantee to finalize the loan and submit balance of payment to me ( XXXX XXXX ending in XXXX ). On XX/XX/year> I had to call to see what the hold up was and I was told they didn't have the contact information for the recipient of the letter even though in order for USAA to talk to the progressive agent, there had to be a letter of authorization provided ( this was provided on XX/XX/year> and had all necessary information required. On XX/XX/XXXX and XX/XX/year> there were XXXX incorrectly submitted forms on USAA 's side and the only reason I learned of this on XX/XX/year> is because I had to call XXXX  times a day to get them to try to get this resolved. Finally, on XX/XX/year> after XXXX calls that day and being hung up on several times, a document was uploaded into my portal. The only issue is that this is a document for a consumer loan that is not mine, was not the correct make and model, and was not the correct VIN number. So, not only a XXXX ( there were many more errors ) error, but now they are breaching confidentially of their other clients and probably could be doing the same to myself and many more. I feel like I am being held hostage because I can not move forward with my insurance claim and their ignorance and carelessness is now costing me a significant amount of money daily.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: ND

Complaint narrative:
The original debt was for XXXX XXXX XXXX with XXXX XXXX Services, in XXXX due to failure by XXXX to honor statements by their representatives this vehicle was voluntarily surrendered in XXXX however payments were made through XXXX and the vehicle was not picked up until XXXX. The last communication from this company was a XXXX XXXX form sent via email in XXXX of XXXX. Through my own tracking this vehicle was auctioned by XXXX. 
Although we have moved twice since that time no contact was made despite mail forwarding and official change of address with the post office. 
This debt shows closed with a XXXX balance on our credit, however at the end of XXXX this year I was served with judgement papers from Jefferson Capital Systems for the amount of {$8900.00}. 
I have never been contacted, and when I attempted to file a response I couldn't because they hadn't actually filed the papers, now as of XX/XX/XXXX, they filed the default of judgement. I was given no opportunity to file my response with the court, XXXX XXXX in XXXX XXXX North Dakota awarded it to them again with no time for me to file a response or knowledge that it had been filed. 
A response can't be filed officially until the case is filed and with no notice of it being filed and a judge that just pushes it through how can I fight a garnishment that is in fact not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
My XXXX account debit cards were used for fraudulent purchases from both checking and savings accounts. The physical cards were still in my possession and in my purse, while purchases were made in XXXX, KS on XX/XX/XXXX and online. 

I alerted USAA within hours of the transactions taking place as fraud and both accounts were locked and new cards sent to me. 

{$43.00} XXXX XXXX {$100.00} XXXX {$22.00} XXXX {$2.00} XXXX {$1.00} XXXX {$47.00} XXXX {$32.00} XXXX XXXXXXXX XXXX XXXX XXXX {$19.00} XXXX XXXX {$1.00} XXXX {$2.00} XXXX XXXX XXXX  {$65.00} XXXX After investigation from USAA, the charges are being upheld and my accounts are being deducted for the fraudulent activity I didnt have anything to do with. 

USAA security breaches were in the news which would explain how my cards information was stolen even though the physical cards were still in my hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I viewed my credit report and found the new information was placed back on my report. Called XXXX  and was told that Capital One was reporting that name and address and they couldn't remove it. Capital one has my correct name and address as i have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : XXXX  Written Request for Removal of Unverified Accounts Dear Experian, This letter serves as my XXXX  written request for the removal of unverified accounts listed on my credit report in accordance with 15 U.S.C. 1681. Despite my initial request, the following accounts remain on my report without proper verification : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$46000.00} - Opened : XX/XX/XXXX XXXX. *XXXX XXXX XXXX** - Account Number : XXXX - Balance : {$320.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX - Balance : {$130.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$0.00} - Opened : XX/XX/XXXX According to your previous correspondence, you stated that these accounts were " verified. '' I request detailed documentation proving the verification process, including : - The documents used for verification. 
- The name, business address, and phone number of the individual who verified these accounts. 
- A sworn affidavit or deposition confirming the truthfulness and accuracy of the verification. 

As defined by XXXXXXXX XXXX  XXXX XXXX, " Verify '' means " to prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' This requires the production of documents in your files proving these accounts belong to me and that the reported information is accurate. Furthermore, someone within your company must have firsthand knowledge of these accounts and authenticate them under oath. 

Federal case law mandates that Consumer Reporting Agencies must ensure the accuracy of the accounts they report, which involves more than merely parroting information from other sources. A reinvestigation that shifts the burden back to the consumer and credit grantor does not meet the obligations imposed by 1681 ( a ) ( 4 ).

Since you have failed to provide the requested documents, it indicates you either did not or can not verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, you must " promptly DELETE all information which can not be verified. '' If you do not comply, I will pursue litigation for negligent noncompliance under Section 617 of the FCRA. I demand immediate verification or deletion of the accounts listed above. 

Sincerely, 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 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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:
This company XXXX XXXX XXXX XXXX is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue more than 30 days ago, I have not received a response or satisfactory validation. I request your help in resolving this matter quickly and effectively.

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 2024-06-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference

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 2024-06-25 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference

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 2024-06-25 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-06-25 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2024 several questionable charges were made to my Well Fargo credit card account. I immediately reported these claims as not authorized. Wells Fargo canceled my card, reversed the charges, and sent me new cards. Today, XX/XX/XXXX, the charges reappeared. I called and spoke to someone in their fraud department. They said my claim was denied because the charges were made in my son 's name on XXXX XXXX. I confirmed with my son that he did not make these charges and did not have my credit card. He has no reason to make purchases for flights on XXXX XXXX. This is a fraudulent charge, there were others made at the same time and Wells Fargo accepted these. Well Fargo told me I needed to provide additional documentation, but was unable to explain what possible documentation I could obtain showing that a purchase was not made. They transferred me to another department that did not answer their phone. The charge was from XXXX in the amount of {$2600.00}. The online website shows no details about this purchase.

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