vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Received a credit alert on XX/XX/year> ( damaging my credit profile ) stating I owe them money in the amount of {$180.00}. Never even heard of this company nor have I requested funding, or signed any contract to do business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
The XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX  Has Defraud The Consumer in Illegal Double Indemnity in First Third XXXX Purchase of {$25.00} on XX/XX/year> by Chip Reader Electronic Data Illegal Double Billing by Employee Embezzlement XXXX XXXX the Manager in Financial Fraud at First Third Credited The Claimant $ XXXX For Dispute In The Identity Theft Case # XXXX On XX/XX/year> To XXXX Member Checking Account and Reversed The Charges $ - XXXX and this Is Illegal Double Billing in Cybercrime at XXXX XXXX # XXXX In XXXXXXXX XXXX ( XXXX XXXX Manager in Identity Theft/ Fraud Double Indemnity by Illegal First Third Bank XXXX Indemnity )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-05-31 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: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-31 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: MS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-31 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: AL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-31 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: PA

Complaint narrative:
Some of the accounts on my credit report are unrecognizable. These accounts need to be removed since I am unaware of their existence. Identity theft has occurred to me. This letter lists all accounts that are unfamiliar to me. A notice of identity theft has been sent to the Federal Trade Commission, and I have received enclosed copies of the Identity Theft Affidavit. Herewith, I respectfully request the removal of the items listed. It would be greatly appreciated if your team could assist me in advance.

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 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: OR

Complaint narrative:
I do not owe this debt I have disputed it several times they have harassed me by calling after I told them I was dealing with XXXXXXXX XXXX  now a different debt collector is emailing and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: PR

Complaint narrative:
The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate. Nonetheless, furnishers who clearly and conspicuously provide an address for consumers to give notice of inaccuracies are exempt from this prohibition, unless the consumer has provided notice that information is inaccurate. And while the FCRA does not obligate furnishers to provide an address for the consumer to notify it of inaccuracies in reported data, furnishers who do so can not be held liable for inaccuracies in reported information if the consumer fails to notify the furnisher of the inaccuracies. Furnishers who regularly report information to CRAs about transactions with consumers also have an affirmative duty to notify the agencies of information the furnisher later determines is incomplete or inaccurate. 
YOU SHOW A DIFFERENT LAST PAYMENT AND CLOSING DATE PLEASE REMOVE THIS INACURATE ACCOUNT I AM ATTACHING PROOF POPULAR HAS A DIFFERENT DATE FOR LAST PAYMENT DATE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate. Nonetheless, furnishers who clearly and conspicuously provide an address for consumers to give notice of inaccuracies are exempt from this prohibition, unless the consumer has provided notice that information is inaccurate. And while the FCRA does not obligate furnishers to provide an address for the consumer to notify it of inaccuracies in reported data, furnishers who do so can not be held liable for inaccuracies in reported information if the consumer fails to notify the furnisher of the inaccuracies. Furnishers who regularly report information to CRAs about transactions with consumers also have an affirmative duty to notify the agencies of information the furnisher later determines is incomplete or inaccurate. 
YOU SHOW A DIFFERENT LAST PAYMENT AND CLOSING DATE PLEASE REMOVE THIS INACURATE ACCOUNT I AM ATTACHING PROOF POPULAR HAS A DIFFERENT DATE FOR LAST PAYMENT DATE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: AL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Requesting Well Fargo Bank to resolve the missed payment. Wells Fargo refused to take ownership of their error.

We contacted Well Fargo Bank many times in regard to the missing mortgage payment of {$4100.00}. This check was issued to us in a form of XXXX XXXX cashier check payable to XXXX XXXX. We ( XXXX XXXX ) in turn used this check to pay our monthly mortgage at Well Fargo Bank. The mortgage payment went back to XX/XX/year>. 

We contacted Well Fargo Bank and the error caused by miss-applied payment. Well Fargo Bank informed us that they incorrectly applied to wrong account. 

We are not into this error XXXX years later and Well Fargo Bank informed us the check payment that we used to pay our mortgage has been cancelled and that the check is now no good. 

Well Fargo Bank informed us that we are now needed to work with our tenant ( XXXX XXXX who is a client of XXXX XXXX  ) ; who issued us this check {$4100.00} to re-claim the payment from them. 

Our tenants refused to honor this lost payment that caused by Well Fargo Bank after XXXX years into this ( XXXX XXXX who is a client of XXXX XXXX  ). 

We asked Well Fargo Bank to resolve this missing fund of {$4100.00} for us and any interest charged that we paid related to the payment we paid to Well Fargo Bank to be reimbursed back to us and fix this issue ; since Well Fargo Bank caused the problem to being with. 

As of today, Well Fargo Bank refused to take ownership of this error that they made because of mis-posting of our payment back in XX/XX/year>. 

We are asking your help to investigate this processing incompliance by Well Fargo Bank and refusing all the missing payment of {$4100.00} plus mortgage interest Well Fargo Bank charges us. This error cause by Well Fargo Bank. We hope you are able to investigate negligence of Well Fargo Bank compliances. 
Thank you 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 monetary relief
Consumer complaint received 2024-05-31 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: MS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-31 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: FL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

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 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the lAw

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital System has placed a collection amount for {$730.00} on my credit. Ive disputed it but each time it shows up again. I dont have an account with XXXX XXXX Any phone that Ive has not been on a contract. Someone else may have used my name or identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Details of the Transaction : On XX/XX/year>, I made a purchase through XXXX using my Wells Fargo ACH account to buy goods from a manufacturer in XXXX. The goods arrived severely damaged ; the print on the jackets weren't made according to the specifications provided, they were cut off at random positions making the prints look different for every jacket compared to the example provided to the manufacturer. On top of that the jackets came with black ink stains all over the print that can't be removed, the product is destroyed, manufacturer didn't want to provide images of the XXXX  jackets either. All the proof is in screenshots provided, and would provide anything else necessary. I immediately contacted both the manufacturer and XXXX to report the issue and seek reimbursement. 

Claim Denial : I filed a claim with XXXX on XX/XX/year> and provided all necessary documentation, including receipts, photos of the damaged goods, and email correspondence with the manufacturer. Despite this, my claim was denied on XX/XX/year> with XXXX stating that they do not provide protection for goods and services. XXXX representative said that I can create a claim with Wells Fargo at this point. 

I then filed a claim with Wells Fargo XX/XX/year>, provided the representative with the information of the event and told me to check back in around 10 days. Today, XX/XX/year> Wells Fargo notified me that the claim was denied, stating the same thing, that they don't provide protection for goods and services because of their policy. 

Consumer Protection Argument : As a customer, I expect my financial institution to protect me against fraudulent or defective transactions, especially when dealing with international purchases where it is difficult to seek redress from the manufacturer directly. Consumer protection laws are designed to safeguard customers in such situations, and I believe Wells Fargo 's decision contradicts these principles. 

Financial Impact : The cost of the damaged goods represents a significant financial loss to me, and Wells Fargo 's refusal to assist me in this matter exacerbates this loss. 

Request for Resolution : I am requesting that the CFPB review this case and assist in ensuring that Wells Fargo honors its responsibility to protect its customers from fraudulent or defective transactions. I seek reimbursement for the damaged goods or assistance in resolving this issue with XXXX and the manufacturer.

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 2024-05-31 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: MS

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-31 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Around end of XXXX to XX/XX/XXXX. Wife & I applied for a mortgage loan with XXXX. Almost instantly we started getting alerts from our credit cards, XXXX and XXXX that our information was available on the dark web. We instantly put a credit freeze on ourselves. Researching this through XXXX and XXXX XXXX I was informed that when they pull a credit reports, about 1 in 9 consumers, would start receiving numerous calls and credit offers from places they have never heard of. I was told the credit reporting agencies, in particular Equifax, would sell the consumers information to other financial services without the consent of the consumer. If this is correct, Id like to know who is responsible for stopping this? This needs to STOP!

Company response to consumer: Closed with explanation