vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: PA

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 XXXX 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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
Dear Barclays ( Old Navy Card Services ), I was surprised and concerned to find a late payment reported on my credit report for XX/XX/year>, indicating a 30-day delinquency. 

Given my usual diligence in managing my finances, I am unsure how this could have occurred. I have always made my payments promptly upon receiving my statements. It's possible that there was an issue with the delivery of my monthly statement, or it could be related to the fact that XXXX XXXX XXXX XXXX XXXX XXXXXXXX during that time. 

In light of our longstanding relationship and my commitment to maintaining a positive payment history, I kindly request that this 30-day late payment be removed from my credit report. Additionally, I would appreciate a refund of any late fees that may have been assessed.

Moreover, I believe there may have been an error in billing under the provisions of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g. As these potential inaccuracies have led to incorrect reporting, I respectfully request the immediate deletion of this late payment from my credit report.

I value the relationship I have built with Barclays and would prefer to resolve this matter amicably and efficiently. Your prompt assistance will allow me to continue enjoying the excellent service I have come to expect from your organization. 

Thank you for your attention to this matter. I look forward to your positive response and appreciate your help in resolving this issue. 

Sincerely,

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX BALANCED {$2900.00} XXXX  XXXX BALANCED {$640.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00}

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 2024-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Refused to help or give information after i disputed

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 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation
State: FL

Complaint narrative:
i am unaware of this alleged debt from UNIVERSAL RECOVERY CORPORATION and i never gotten the notice of the alleged debt within 5 days of them reporting the information on my credit report. If they can verified the information send me the certified mail information with the USPS tracking stating that it was sent within 5 days before posting it on my credit.otherwise i would request that it be delete it from my credit report 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: IA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On Tuesday XX/XX/2024 approximately XXXX XXXX, I used my bank card to remove {$1000.00} cash from a Wells Fargo ATM XXXX I was charged 2 fees. One fee of {$5.00} and another 2 %. The ATM gave my card back and said take my cash. At that moment I couldn't receive or remove the cash from the ATM because the hardware had malfunctioned. My account was debited immediately. I took a video and a photo of the incident and immediately reported the issue to the bank manager ( which was pretty helpless ). After some exchanges and explaining the issue, she finally gave me a number and took my information to call and report it with Wells Fargo. The following day Wells fargo called and said they'll let me know when a case manager is assigned. The following day after that, the same thing. No one was assigned to my case. I was informed to call back the following day and then no one has been assigned still. I was informed that I should follow up on Monday of the following week. I have been led around in circles and not one person is taking this matter urgently. I'm now almost a week late on my bills due to this incident. This could have been fixed immediately but these banks don't care about any of us because in the end, no one holds them accountable for their actions and they're too big to even be bothered. 



I was contacted by the bank and they said they were not giving me my money because the ATM was malfunctioning. They refused to pay me and made me wait a week.

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 2024-08-23 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
SO FAR THEY CLAIM IS ACCURATE BUT IT NOT MY ADDRESS NOR MY NAME I HAVE NOT BEEN SHOWN ANY DOCUMENTS I WENT TO THE LOCATION IN THE RENTAL ONCE IN XXXX IT WAS UNDER CONTRUCTION, THEN AGAIN IN XX/XX/XXXX IT WAS SOLD AND RENAME AND THEN AGAIN IN XX/XX/XXXX SOLD REMAIN AGAIN AND GIVEN A NUMBER TO CALL AND WAS TOLD MY ACCOUNT WAS closed and sold to a creditor but not thr original in which all my information was wrong such as address and last name and which i have also wrote and told all credit bureaus both primary and secondary my one and true name is ( XXXX XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX XXXX phone is XXXX XXXX XXXX only employer is XXXX XXXX XXXX XXXX XXXX ) i call and mailed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: VA

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 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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I booked hotel accommodations through AMEX and did not purchase trip insurance via the booking site because I believe that my {$690.00} annual fee was for this type of coverage. My flight was canceled and XXXX did not reimburse me for the hotel charge. I submitted a claim to AMEX and was denied hotel reimbursement because my flight was booked with points and travel credits I am requesting a full refund of the {$690.00} annual fee from amex as it is a scam and purposely misleading to the consumer on the apparent travel insurance protections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX  XXXX BALANCED {$640.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX XXXX BALANCED {$640.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}

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 2024-08-23 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently discovered false accounts on 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 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed unauthorized accounts on 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 2024-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report.

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXXXXXX XXXX  is a company owned by one company ( XXXX XXXX XXXXXXXX XXXX ) This a XXXX XXXX XXXX. XXXX XXXX  and XXXXXXXX XXXX are reporting that my business account ( XXXX XXXX XXXX ) is a consumer credit account ILLEGALLY, after I closed my XXXXXXXX XXXX account. 

None of the 3 credit bureaus will remove the account from my consumer credit report. 

Both companies recently ( XX/XX/year> ) reported activity on my report as a consumer debt. Neither will supply the initial business account agreements. 
This act dropped my consumer credit score -XXXX points in one day ( XX/XX/year> ) American Express is practicing the exact same tactics illegally reporting my Business Credit ( XXXX XXXX XXXX ) as Consumer credit. I also previously closed my consumer account with them as well after XXXX years. 

Neither account is delinquent but the actions gives the impression that my revolving credit is increasing and it brings down my credit score on all 3 bureaus. 

The bureaus WILL NOT properly investigate and resolve the facts of the disputes after XXXX  years. 

I need a mediator to investigate and assist in resolving these issues and/or disputes before I am forced reluctantly seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information FTC Report Number : XXXX First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX Personal Statement I did not authorize these inquiries to be pulled from my credit report and i want them to be remove 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 Accounts Affected by the Crime Fraudulent Charges to My Credit Card Company or Organization : Date XXXX XXXX XXXX XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX Date that I discovered it : XX/XX/XXXX XXXX XXXXXXXX XXXX Date that I discovered it : XX/XX/XXXX XXXX  Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company or Organization XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00}

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 2024-08-23 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:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief