vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am compelled to file this urgent complaint against Experian due to their flagrant disregard and gross non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the handling of fraudulent entries on my credit report. My identity was compromised as part of the XXXX data breach, leading to several fraudulent accounts appearing on my credit report, which Experian has repeatedly failed to address despite my exhaustive efforts to dispute these inaccuracies. ONLY EXPERIAN IS REPORTING THIS INACCURATE FRAUDULENT INFORMATION EXPERIAN HAS FAILED TO INVESTIGATE PROPERLY.The negligence displayed by Experian has caused significant financial and emotional distress, and it is imperative that these issues are resolved promptly and justly. I trust that the CFPB will take immediate action to ensure compliance with federal laws and to enforce the rights afforded to consumers under the FCRA.Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 [ 15 U.S.C. 1681i ] ) : Despite my previous disputes, it appears that no meaningful investigation has been conducted into the disputed entries, particularly regarding the accounts listed below, which are fraudulent : Negligence in Maintaining Accurate Information ( FCRA, Section 623 [ 15 U.S.C. 1681s-2 ] ) : The continued presence of these unverified accounts on my credit report demonstrates a lack of due diligence on your part to maintain accurate information. Notification and Procedure Failures ( FCRA, 1681i ( a ) ( 3 ) ) : There has been a failure to properly notify the furnishers of the information about my disputes as required by law, impeding the resolution of these issues. Blocking of Fraudulent Information ( FCRA, Section 605B ) : You are required to
block fraudulent information within four business days of receiving an identity theft report, which has not been observed.

Right to Information on Investigation Procedures ( FCRA, Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) : I request a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted, and their telephone number, if available.

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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX financed by Westlake Financial. The vehicle broke down in first week, I returned the vehicle to car dealership. I spoke with Westlake financial, and they told me to NOT make first car payment until the vehicle was repaired and if the vehicle was not repaired in a timely manner that they would cancel the contract. The vehicle did not get repaired untiXXXX XXXX XXXX XXXX  Westlake notified me that they cancelled the contract, and I asked for the cancellation in writing. Westlake also stated once they received their funds from XXXX XXXX, I would be able to finance another vehicle through Westlake Financial. I received an update in XX/XX/XXXX from Westlake that they were having an issue with getting their money back from XXXX XXXX and they would keep me posted. I received another update in XX/XX/XXXX that the issue was not resolved with XXXX XXXX. I have not been able to get in contact with anyone for a resolution since XX/XX/XXXX. I have been renting a vehicle for 1 year, I am not able to buy a vehicle because the car is still on my credit. Each time I call I get a customer srvice rep who can not answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-14 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-14 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: SC

Complaint narrative:
Instead of deleting the account off all three of my credit files they keep updating it on my files I have disputed this account at least six times stating that the account is not mines nor do I have any knowledge of it and for them to show proof that it is mines they have not yet done so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
My account was hacked on XX/XX/year>. I contacted the bank to submit a complaint. The bank initally refunded me for XXXX amount {$740.00} to XXXX. In XXXX, the bank reported that they completed their investigation, so they deducted that amount from my account. I called the store XXXX to start a complaint. XXXX told me to contact my bank again.

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 2025-01-14 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: NC

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Upon reviewing my credit report I noticed a new collection had been added to my account. It shows that the date it was opened was XX/XX/year> with XXXX XXXX XXXX and the original creditor was XXXX XXXX. This is inaccurate. I do not have an account with this entity. I never received a letter informing me of this debt. By law, they are required to send a letter informing me of the debt and giving me the opportunity to request validation of the debt. This was never done. I would request an original contract, billing statements, account statements showing debits and credits to this account. I have not received anything.

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 2025-01-14 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/year> I requested an investigation into this account. You did not fix the errors. Then on XX/XX/year> I requested a re-investigation into this account, and it is still incomplete and inaccurate. This account shows that it has been charged off every month for an entire year. An account can only be charged off one time. These inaccuracies are highly injurious to my credit, undermine faith in the credit reporting agencies. This a direct violation of the Fair Credit Reporting Act. Due to you neglect at fixing this obvious error, I am demanding you delete this account, and send me and updated credit report once you have deleted this..

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted the tenant screening agency and the credit bureaus requesting a full investigation on the account history and information. They are reporting inaccurate balance information from the documentation I have.

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 2025-01-14 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: IL

Complaint narrative:
I received a letter from the Illinois Department of Revenue years ago telling me that my personal information name, birthdate, social security number and other sensitive information had been stolen in a data breach. A few months after receiving this letter I began receiving calls from creditors that I have never spoken to nor heard of. The creditors told me that I owe them money for credit accounts opened in my name. I viewed my credit report and there were several accounts there that I didnt recognize and I never opened myself. These accounts were opened by the unknown persons that stole my personal information in the data breach. Over quite some time I have contacted the creditors and informed them that this was an act of fraud and I don't know who did it because my information was stolen in a data breach. The creditors never really helped and they still are trying to collect on these debts due to identity theft. I have recently contacted the creditors again attempting to have them remove these fraudulent accounts. I have copies of the letters and certified mail receipts, I will attach them to this correspondence. I recently contacted Experian about these accounts they are reporting on my credit, and I let them know these accounts were fraudulent. They did not remove them. I believe this is a violation of my consumer rights and Im considering consulting with a consumer rights attorney and showing them my documentation. These accounts are the direct result of identity theft and need to be removed. XXXX {$5300.00} Date opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Original filing XXXX XXXX, XXXX Latest status XXXX  XXXX, XXXX Reference XXXX Record typeBankruptcy chapter XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Original XXXX dateNov XXXX, XXXX Latest status dateMay XXXX, XXXX Reference XXXX Record typeBankruptcy chapter 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 2025-01-14 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/year>, I notified L.L. Bean of a fraudulent charge made on my account on XX/XX/year> in the amount of {$52.00} from XXXX XXXX. I was told I would be issued a new L.L. Bean credit card and my fraudulent claim would be investigated. On XX/XX/XXXX, I received an email from L.L. Bean that my new credit card had been shipped.

During the subsequent months, I received calls from representatives from L.L. Bean inquiring about my past-due account. Each time I explained that this amount resulted from a fraudulent charge on my account. I was assured that the matter would be taken care of. 

I received a letter dated XX/XX/year> from XXXX XXXX where they explained that they were a debt collector trying to collect a debt they claimed I owed Citibank. N.A. L.L. Bean has a credit card with Citibank , N.A . I responded to this letter explaining that I did not pay the charge because it was fraudulent ; I did not purchase any services from XXXX XXXX. In response to my letter, I received another correspondence from XXXX XXXX offering me a settlement amount of {$150.00}. They did not even address the charge as being fraudulent, to begin with.

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 2025-01-14 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX Date of inquiry : XX/XX/2023

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 2025-01-14 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a savings account with Chase bank in XXXX. I transferred my saving fund to the account online. Chase flagged fraud with that and prevented the transfer of fund. I talked to security staff on the phone, provided my identities, give an explanation for the transfer of fund, for more than an hour and was promised everything was resolved. the next day the transfer went through. then XXXX weeks later the bank closed my account without my knowledge. I called Chase, around XX/XX/XXXX, talked to representative for more than XXXX hour. Representative noted that bank closed my account on XX/XX/XXXX due to " inactivity ''. representative did not explain why my account was open for less than XXXX weeks, received fund, and considered as inactive. she said that my fund, in the amount of XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ), has been sent to my home address in regular mail, but did not explained why I did not receive the fund 7 days later. She noted that herself, her advisor, or anyone else could help me, and I would have to go to the bank branch for that. She initially told me to transfer me to another department to help, but turned out that she did not know where or whom to transfer me to. 
I called Chase branch on XX/XX/XXXX and was told to come in to talk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request to Investigate and Remove Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am submitting this complaint to address the inaccurate late payments reported on my US Department of Education ( US DEPT ED ) account as reflected on my credit report. These inaccuracies are not only misleading but also a violation of my rights under federal consumer protection laws.

Nature of the Complaint : Inaccurate Late Payment History : The late payments listed for XX/XX/XXXX through XX/XX/XXXX are erroneous. The account was in deferment status during this period, and no payments were due. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting breaches the FCRA ( 15 USC 1681i and 1681s-2 ), which mandates that credit reporting agencies maintain and report accurate information.

Improper Account Status : The account is listed as " Late 120 Days, '' a designation that is entirely inconsistent with its documented deferment status. 
Failure to Correct Errors : Despite the deferment being evident, no correction has been made to the account, highlighting a failure to adhere to responsibilities under 15 USC 1681s-2 ( a ) ( 2 ). 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Requested Resolution : I am requesting a thorough investigation of this matter and the immediate removal of all inaccurate entries associated with the above account. Please provide written confirmation of the changes made within 30 days. If this matter is not resolved, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse if necessary. 
Sincerely, 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