vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by this company is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. 
THIS IS 7 years old an have been inaccurately furnished onto my consumer report.FASLEY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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:
This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/2023, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with XXXX, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents.

Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted immediately.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I wrote 8 letters to agencies to investigate my report. I requested inaccurate information be removed, it was not.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I wrote 8 letters to agencies to investigate my report. I requested inaccurate information be removed, it was not.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with Experian, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents. 
Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted immediately.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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:
This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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:
This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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:
This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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:
This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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:
This account was subject to a dispute in the month of XXXX, where to date we have not obtained any response from the agency that reports it, this account is reporting errors in all my information, for this reason it only reports in a single agency and not in the other credit agencies.

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 2023-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For several years we have been paying on a home equity loan with Wells Fargo. Despite many, many payments, the loan has not seemed to decrease. Recently, there has been a huge increase in fees and payments which we can not afford. On XXXX, on the phone with a customer service representative, I asked for both help and a list of all of the payments made on our account. Neither have been provided. I did receive a letter that help was denied, but I never spoke to anyone after that, so I don't know how they made their decision. We have literally paid on this loan for 15 years or so, I want to both know where that money has gone and to get our payments manageable again. Please help.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
XXXX closed our account when we switched to XXXX XXXX and after closing our account and paying fees we found out they not only kept charging one line not connected to any account they sent collections to Frontline assets strategy I spoke with employees and explained that we closed the account and charging us for a phone that was never in use and not connected or linked to any account was fraud we closed our account months ago and paid extra fees after the fact and are still getting billed and they sent it to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I went to a club in XXXX on XXXX XX/XX/XXXX XXXX  called XXXX XXXX. My friend group and I decided to get a VIP section, to which the front host told me would be {$520.00} total. The next day, I saw my bank statement, and there was a charge for a total of {$850.00}. I called American Express to dispute {$320.00} in this transaction that I was overcharged. A few weeks later, they closed the dispute and said that the charge would remain in my account because the merchant had provided a receipt of the transaction, which I never got. Upon inspection of the receipt, the first thing I realized is that they had forged my signature. I called AMEX to discuss the dispute and they said they couldn't do anything about it even if the signature was forged, and that it was basically my word against the merchant. But because they provided a receipt, they sided with them. They did not care that the signature on the receipt was forged, even when I re-opened the dispute and provided documentation of what my signature has always looked like my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently reviewed my credit report & there were 2 outrageous charges on my report from 2 different banks that I do not bank with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
Planet home lending took over my mortgage from XXXX. They required an escrow to pay property taxes. This was not my choice- I would have preferred to pay the taxes myself as I am ultimately liable for unpaid taxes. 

However, they did not check if there were taxes due and recently, I received an invoice from XXXX XXXX about unpaid taxes, penalties, and interest. There is about XXXX dollars of my money sitting in Planet  Home lending 's escrow account and they can't even pay my taxes as they are required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

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