vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
I recently discovered that five credit lines were opened in my name without my authorization. Instead of going through a lengthy dispute process, I chose to pay off these accounts immediately upon finding out about them, as they were impacting my credit report. The accounts were opened only a few months apart from each other, which raises concerns about their legitimacy. Given the circumstances surrounding the unauthorized activity, I am requesting that these accounts be deleted from my credit report. Thank you for considering my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I have been noticing that my credit report does not have my correct personal information and this is causing this unknown and inaccurate account to appear on my credit. I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but this fraudulent item still remains.

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 2024-11-21 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: NC

Complaint narrative:
Last week, several transactions were made from my XXXX account without my authorization. Money was sent to a country I had never sent money to before and to people I did not know. Although I have previously used XXXX to send money to XXXX, this time, the platform was used to send money to XXXX country I had no prior connections with. XXXX failed to protect my data stored in their app and did not conduct adequate security checks, as shown in the documents attached. Additionally, they refused to help me with this matter. 

The folowing amouts where taken from my Wells Fargo Bank Account. : XX/XX/year> - {$100.00} XX/XX/year> - {$890.00} XX/XX/year> - {$250.00} XX/XX/year> - {$110.00} XX/XX/year> - {$1600.00}

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
Previous Case # XXXX On XX/XX/year>, I contacted Discover to report the death of my father and requested the closure of his account. In order to speak with a representative, I used my account information to get in touch, but I explicitly informed them that I was requesting the closure of my fathers account, not mine. I provided my fathers personal information, including his name, but did not give his account number, as I did not have it readily available. 

Despite clearly explaining the situation, an error occurred when Discovers automated system mistakenly associated my account with the call. As a result, my account was closed rather than my fathers. According to Discovers response, the lack of an associated account number caused confusion, yet they fail to mention that it was their responsibility to ensure the accuracy of the information used to process this request. I clearly communicated the situation, and their system should have verified the details to prevent such a mistake. 

Although I resolved the issue initially and continued to make regular payments, I later discovered that my account was closed again without any notification, and I was sent to collections. I continued making payments as normal, unaware of the account closure or the collections action. 

In their response, Discover acknowledged the mistake, explaining that the lack of an associated account number caused the confusion. They also stated that the charge-off status was removed and the payment history updated. However, despite this, my account remains marked as " closed by credit grantor, '' which negatively impacts my credit. Furthermore, Discover did not reopen my account as requested, and I was not compensated for the inconvenience or financial impact caused by their repeated errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
From XXXX XXXX XXXX my two Citi bank cc have an excessive amount of fraud charges on them. I am victim of Identity theft and my online information was compromised. My address, phone number, security code and login information was changed. Resulting in my replacement card/cards being mailed to XXXX RI. Where all the fraud happened on my credit cards. I live in California and had never been to RI. 
Citi denied my claim stating the card was a chip enabled read. This is due to Citi mailing my card to the wrong address in RI. I filed a police report and filled out an Identity Theft packet and got it notarized as Citi requested. I am committed to pursuing this dispute until it is resolved and I realize that it's a criminal offense to falsify a police/Identity theft report. 
The address XXXX XXXX XXXX XXXX, RI XXXX appeared on my credit report do to Identify theft. I have never lived at this address. I have only lived in California. 
I am waiting on the police report but I did file. If you need anymore information from me please let me know 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 2024-11-21 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent activity on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent activity on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account from my credit report : Fraudulent Account : 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 2024-11-21 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: HI

Complaint narrative:
I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account : Fraudulent Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Amount : {$400.00}

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 2024-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: NJ

Complaint narrative:
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

The accounts were not properly investigated because ; the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Therefore, this is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-11-21 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 recently reviewed a copy of my credit report and noticed fraudulent accounts in my report. Please remove these fraudulent accounts.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: William D. Meeker Enterprises, Inc.
State: NH

Complaint narrative:
The lender ( XXXX XXXX ) advised me that my mortgage information was denied for the following reason " They were withdrawing your file because of the mortgage payment history every month payment has been 1 month late. '' After contacting XXXX, XXXX and XXXX t was my understanding that neither company had information regarding late mortgage payment for the time referenced above. 

I contacted XXXX requesting a review and response to my inquiry. The telephone call was concluded after I requested a call-back from a supervisor or XXXX to discuss this matter, no call-back was received prior to filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried on numerous occasion to reach Experian via the phone, and it is all automated response.I was asked to key in my SS # to validate myself, only to be told the reason I am giving doesn't qualify me to speak to a specialist. This has been going on for weeks. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are call made today. 

See attachments

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 2024-11-21 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: NY

Complaint narrative:
This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

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 2024-11-21 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: TX

Complaint narrative:
Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.

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 2024-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
XX/XX/XXXX payment of {$340.00} not credited until XX/XX/XXXX. 

XX/XX/XXXX payment of {$800.00} representing 2 months of payments not credited against loans until XX/XX/XXXX. That payment was only applied to 1 out of 3 loans rendering the the 2 loans even more delinquent. 

XX/XX/XXXX payment of {$350.00} ( exact amount on statement ) was told oncall that day that it payment should be posted with in 2-4 business days. As of XX/XX/XXXX, not posted. 

All Payments were sent via XXXX XXXX from XXXX XXXX. Payment instructions were checked multiple times. Proof of XXXX and XXXX payments were uploaded to Mohela portal XX/XX/XXXX. 

ON at least XXXX occasions, calls made to Mohela with a minimum of XXXX hours in hold and research time with no answers. 
XXXX hour XXXX min XXXX XXXX hour XXXX min XX/XX/XXXX multiple calls totaling over XXXX hour XX/XX/XXXX XXXX hours XX/XX/XXXX XXXX minutes XX/XX/XXXX -hung up after XXXX min hold XX/XX/XXXX XXXX hour XXXX min XX/XX/XXXX XXXX hour XXXX min XX/XX/XXXX XXXX calls totaling over XXXX hour. 

With each call, it took numerous phone tree entries to get a " live '' person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove this account immediately : XXXX XXXX assoc account number XXXX Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA.

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 2024-11-21 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: MA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-21 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: MA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-11-21 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 explanation
Consumer complaint received 2024-11-21 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:
XXXX XXXX Account Information : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Complaint : The XXXX XXXX auto loan account was previously removed from my Experian credit report following a dispute under the Fair Credit Reporting Act ( FCRA ). However, the account has now been improperly re-added without prior notification, proper verification, or supporting documentation, as required under FCRA guidelines. 

The account is reported with a {$30000.00} balance, and its re-reporting is inconsistent, as it only appears on Experian and not on other credit bureaus. This inconsistency highlights potential inaccuracies and non-compliance with reporting requirements. I request an investigation into the re-reporting of this account and its removal if no verification can be provided. 

XXXX XXXX Account Information : XXXX Balance : {$6500.00} Complaint : This account was previously removed from my Experian credit report after an identity theft dispute filed under FCRA Section 605B. Despite this, the account has been re-added, negatively impacting my credit profile and score. Experian has not provided any verification or documentation to justify re-adding the account to my report, as required under the FCRA. 

Given that the account was previously deemed invalid and removed, the re-reporting without sufficient evidence violates my rights under the FCRA. I demand immediate investigation and corrective action to address this improper re-reporting.

Company response to consumer: Closed with explanation