vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inquiries on my report I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
There are inquiries on my report I did not authorize.

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 2024-12-04 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2024-12-04 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an issue with my mail and apparently my Wells Fargo account that I had for years went overdrawn by XXXX and I only found out recently. I also found out that they had reported me to some type of Check Monitoring. I paid the {$62.00} on the account ending in XXXX on XX/XX/year>, yet the representative at Wells Fargo, failed to remove the account from the XXXX XXXX XXXX list. This is Ruining my life. I have my XXXX spouse that needs his XXXX, and I tried to open a trust account and was rejected because apparently this company, XXXX XXXX XXXX, has me listed as defaulted on the checking account. I told the representative that this was an error and he told me to wait 15 days. I can not wait 15 days. I have to open a trust account for my spouse ASAP or he will lose his benefits. I am in dire need of having this error corrected ASAP!!!! Please, this is urgent. I sent them a screenshot of the payment. I unfortunately have to file a complaint against them and Wells Fargo, due to the representative 's error on the Wells Fargo side. I have reached out to the executive offices to see if out of kindness they can override this incorrect information that is being reported against me blocking me from completing a transaction to give my spouse the dignity and care that he needs, he is XXXX and has no one else. Unless this is corrected ASAP by XXXX XXXX XXXX, and any other company the nasty collection rep failed to fix, my XXXX spouse will lose his much needed long term care XXXX benefits with XXXX 

He is XXXX and he really needs the assistance to live life with dignity. 

Please help me with this. 

This XXXX XXXX XXXX XXXX is ruining my life for something that I already paid and I can not even log in to view it. Supposedly they state I have to wait 15 days for a report for something that is an emergency. This is a violation of my rights under the FCRA. They are reporting false and inaccurate information all due to a representative that failed to do their due diligence. 

I just need this fix so that Wells Fargo will allow me to open the XXXX 's XXXX for XXXX so that my ex-husband can retain his benefits. Please I need this done yesterday. They will discontinue his benefits soon if not resolved quickly and I can not care for him during the hours I work. He can not be left alone. 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 2024-12-04 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: PA

Complaint narrative:
My name is 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 explanation
Consumer complaint received 2024-12-04 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: TN

Complaint narrative:
XXXX XXXX Account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX u s c 1681 EB whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Time of payment 15 u s c 1666 B A creditor can not consider a payment on an open end consumer credit plan as late unless they have mailed or delivered the periodic statement to the consumer at least 21 days before the payment due date.

I am requesting 1. periodic statement 2. Information from 1637B 3.mail or deliver 4. No later then 21 days or less 5. requesting mail tracking number of mail back date from recieve, negative information law requirement 1681a ( p ) shall provide notice information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TN

Complaint narrative:
XXXXXXXX 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 15 u s c 1681 EB whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Time of payment 15 u s c 1666 B A creditor can not consider a payment on an open end consumer credit plan as late unless they have mailed or delivered the periodic statement to the consumer at least 21 days before the payment due date.

I am requesting 1. periodic statement 2. Information from 1637B 3.mail or deliver 4. No later then 21 days or less 5. requesting mail tracking number of mail back date from recieve, negative information law requirement 1681a ( p ) shall provide notice information

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 XXXXXXXX

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 2024-12-04 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-04 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: TX

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
It has come to my attention that XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

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 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: PA

Complaint narrative:
I recieved phone calls for XXXX XXXX XXXX XXXX XXXX phone number claiming to judgement solutions threading to take to court for an 11 year old debt. I wasnt even living in the state at that point. Had my personal information. I asked for the business location XXXX Wyoming. I XXXX  it and called it and I got lawyers office in XXXX XXXX. But they have my birthday date ssn and past addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: OH

Complaint narrative:
Submitting a new complaint in reference to complaint # XXXX. TransUnion is detailing that the unverified accounts disputed are accurate. Who verified these accounts? I have NOT been provided a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore TransUnion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to. All inaccurate information must be deleted from my profile 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Credit card balance and Utilization percentage is reported at a delay on my report. 
I am currently paid in full on my credit card balance and my report should reflect that. 
My credit utilization is also being inaccurately reported on my report. 
This has cause my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: OR

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX  i made a call because I was having problems sending money though this app. I asked to speak to a manager and i was told that one was not available. After calling my bank and then calling them back at XXXX I asked to speak to a manager and was told yes they have one on i can be transferred too. So I was lie to by the first guy and then after getting transferred I was speaking to someone with just a lot of experience. Finding out i was lied to by the lady as well. Part of a business practice should not be lying to your customers. And nothing was fixed with my transaction so i just had to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Chime Financial Inc
State: GA

Complaint narrative:
I purchased and XXXX unlock online so that I could use my XXXX with other carriers. The company is located in an international location and I paid them a fee of {$28.00} as they told me it would cost to perform the unlock. I have used other companies and similar services in the past with good results. Immediately upon receipt of the {$28.00} I received another notification that the service would cost an additional {$50.00} to process and I contacted the company XXXXXXXX XXXX to stop payment and to request a refund as they were not operating ethically or honestly and scamming people by taking their money to buy a service but not delivering what we paid for. It is simple extortion and further investigation confirmed I am one of many who have become victims. Chime XXXX inve=stigated but denied the return of my funds. I am XXXX and the spouse of a veteran recently deceased. Money is something I have very little of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: LD Holdings Group, LLC
State: MI

Complaint narrative:
Under ref # XXXX XX/XX/XXXX TID # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX. 

That above you confirmed my ownership and protected XXXX XXXX XXXX committed fraud through loan depot XXXX XXXX and step forward Michigan stealing. The squatter fake doctor and fake schoolcraft college using XXXX fake XXXX degrees got fired after I reported him and XXXX XXXX is pending. He are also using a fake lender under home protection XXXX XXXX XXXX record id # XXXX as Michigan Homeowners XXXX that do not exist. I were informed on XX/XX/XXXX by XXXX XXXX XXXXXXXX mortgage dept XXXX XXXX that a guy name XXXX XXXX of XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file under loan number XXXX to XXXX XXXX bank used my good loan XXXX. Your non law enforcement action allowed XXXX XXXX XXXX fake SSN numbers XXXX and XXXX to go and cash XXXX chase escrow account checks in my name and I made police report XXXX as forgery to detective XXXX XXXX XXXX and XXXX XXXX XXXX XXXX just confess this is fraud under XXXX and new your attorney general discovered Mortgage fraud under XXXX and XXXX TITLE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX discovered my name on right under XXXX. To reconfirm I am owner go to XXXX  review XXXX and XXXX XXXXXXXX XXXX  at XXXX reported fraud in reference to your involvement actions on XX/XX/XXXX as XXXX. Also your client from XXXX here on an visa got over XXXX loans hit my credit file and over XXXX credit cards in my name. Also under investigation XXXX XXXX XXXX as NPI XXXX and you must expose.

Company response to consumer: Closed with explanation