vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account.is hurting my ability to obtain credit. It is my understanding that you wil investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian 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 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 2024-04-19 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: NE

Complaint narrative:
I beg you please remove this from the credit report

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 2024-04-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
XXXX XXXX XXXX AMOUNT {$2900.00} DATE OPENED XX/XX/year> XXXX XXXX XXXX AMOUNT {$1400.00} DATE OPENED XX/XX/year> I contacted this company but they did not respond and wrote a letter again no respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
XXXX XXXX XXXX AMOUNT {$2900.00} DATE OPENED XX/XX/2018 XXXX XXXX XXXX AMOUNT {$1400.00} DATE OPENED XX/XX/2018 I contacted this company but they did not respond and wrote a letter again no respond.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Never Had this Company and they keep sending me mail and texting my personal phone so far I had 4 messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
I received an account closure letter dated XX/XX/year>, saying my account will be closed on the XXXX of XX/XX/year> and the remaining balance will be sent to me via official check. As of today XX/XX/year> i am yet to receive any check and i had a positive balance of $ XXXX in my account before closure. I have attached the account closure letter i received from First Financial Bank.

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 2024-04-19 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: DE

Complaint narrative:
I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

Trans Union : XXXX XXXX XXXX XXXX, XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Equifax : XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX. 

Experian : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My grandson, XXXX XXXX, contacted me to inform me that Wells Fargo is closing both his account and our joint account as a result of fraudulent activity on his personal account and his relationship with the joint account. 

When I called in regards to this matter, Wells Fargo stated to me that the only way that I can keep this account open is that my grandson and I go into the branch together to have his name taken off the account. I stated to Wells Fargo that due to my XXXX, I would not be able to drive the distance to XXXX XXXX, California from XXXX XXXX, California, which is approximately 1 hour and 45 minutes drive because of my sleeping condition, and even if my grandson could come out here, I asked if I could go into my local branch and remove my grandson from the account as an accommodation due to my XXXX, and the representative put me on hold. When she returned to the line, she said that unfortunately, the only way is for you both to come in at the same time. 

My grandson attempted to visit his local branch, but Wells Fargo refused to withdraw his name from the account, stating that he would need to schedule an appointment and that I would need to accompany him. 

I made a third attempt calling in and explaining my situation to one of the representatives, she stated to me that the only way that I will be able to keep the account open is if my grandson went into a branch, and I went into a branch at the same time, which does not sound reasonable as what I stated to her, I stated to her that because of my medical appointments and XXXX  condition, I would not be able to meet at the same time, If my grandson would be able to come out to me, The representative then told me there was nothing else they could do. I contacted the Wells Fargo complaint department and spoke with what I believe to be a Wells Fargo advocate, who stated that he would be able to assist me further with my complaint. 

I gave him all of the information with my grandson on the phone, and after we spoke, he stated that he had contacted the department in charge of the account and that there was nothing he could do to help me, but he was able to accept my complaint. 

Finally, Wells Fargo stated that they would give me until XX/XX/2024 to resolve the issue and get my grandson to sign off on the account process. 

All of my deposits have been blocked. My hardship, my work paycheck, which was sent to Wells Fargo for deposit, was blocked and returned to the employer. 

I was unable to obtain food, XXXX XXXX, and gas to travel to and from work and medical appointments. I explained all of this to the complaint department and will proceed.

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 2024-04-19 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: FL

Complaint narrative:
XXXX XXXX  {$990.00} XX/XX/2018 XXXX XXXX {$1100.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 XXXX XXXX {$1400.00} XX/XX/2018 I have tried to reached out to this company many times but respond.

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 2024-04-19 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.

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 2024-04-19 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: OH

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This XXXX XXXX XXXX Account Number XXXX And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems XXXX The law clearly states No collection account can be listed as OPEN ( FAIR CREDIT REPORTING ACT ) I Contacted the debt collection agency and asked them how they came up with the amout of XXXX And i wanted it verified they never verified the amount.. Plus dont have the right to collect they cant produce nothing i sgned with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instruction under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized reporting of accounts on my credit profile, which has resulted in financial harm. I am deeply concerned about the violation of my consumer rights as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2. 

I have identified the following accounts that have been reported without my written permission : Account # 1 : XXXX or [ XXXX ] Account # 2 : XXXX or [ XXXX ] According to 15 USC 168162 , I have not provided written permission for XXXX XXXX XXXX to include any information pertaining to these accounts on my credit profile. Additionally, the FCRA mandates that furnishers of information to consumer reporting agencies, such as XXXX XXXX XXXX, have a duty to provide accurate information. Section 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the reporting of information with actual knowledge of errors.

The unauthorized reporting of these accounts has caused me significant financial harm, including : 1. Damage to my credit score, resulting in higher interest rates and decreased access to credit opportunities.

2. Costs associated with disputing inaccuracies on my credit report, including fees for credit monitoring services and legal assistance.

3. Loss of opportunities or benefits due to the negative impact on my credit history, such as being denied loans or employment opportunities.

In addition to financial harm, I am deeply distressed by the violation of my consumer rights and the impact it has had on my financial well-being. The unauthorized reporting has caused me considerable anxiety and stress, as well as frustration at the disregard for my privacy rights.

Furthermore, I have identified five violations on the reported accounts, including the failure to provide me with real proof of these accounts with a wet signature, as required by law.

As a result of these violations and the inaccuracies found on the reported accounts, I demand compensation of {$1000.00} per violation. Additionally, I insist that both accounts be removed from my credit profile immediately.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for their non-compliance with federal regulations. I also demand that XXXX XXXX XXXX cease all reporting activities related to my accounts Thank you for your prompt attention to this matter. I look forward to a resolution that upholds my consumer rights, ensures fair and accurate reporting practices, and addresses the financial harm I have suffered, including the compensation I have requested.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
Someone stole my phone back in XXXX and there was 3 transactions unauthorized transactions that amount to XXXX and they are telling me the error wasnt a error so they are stealing XXXX from me and Im mad as heck That is my rent money and no I will get a eviction I hate This

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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