vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: IL

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 explanation
Consumer complaint received 2024-06-15 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-15 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: MD

Complaint narrative:
Could you remove these inquiries? I lack knowledge about them, and the company initiated them without my consent.

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 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year>. I recieved a new credit card from care credit despite I didn't apply for that. 
Ofcourse, it impacted my score hardly, in mean while I need it these days.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information I am seeing on my report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kikoff Inc.
State: GA

Complaint narrative:
I contacted the customer service department to cancel my account. The terms were confusing and misleading. During this call, the representative assured me that my account would be closed, and any associated activity would be removed from my credit report. 

I begin to receive alerts re : a late payment. To prevent further negative impact on my credit report, I decided to pay the account that I was told would be closed. 

I kindly request that the company update my account status to reflect all payments as current. This issue has adversely affected my payment history and overall credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
APPLE CARD - GS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6800.00} I called this company, they did not response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The company has made no effort to resolve the issue. They just continue to keep reporting wrong information that is damaging my 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 2024-06-15 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: NV

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-15 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: MD

Complaint narrative:
I am not familiar with the unauthorized inquiries and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-15 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've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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 am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's 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 explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo case numbers : XXXX, XXXX & XXXX Consumer Financial Protection Bureau, case number : XXXX The company keeps saying FALSELY that Wells Fargo is `` committed '' to helping/supporting its customers. However, they've done everything EXCEPT be committed OR help/support me. This is absolutely unacceptable.

Wells failed to completely respond to my complaint. I asked for one of two things : ( 1 ) {$1900.00} refund from Wells ; or ( 2 ) evidence I could use to file a DC OTR claim IF Wells can document they provided DC OTR my full {$6100.00} payment. Wells has documented : ( 1 ) Wells received my full {$6100.00} payment ; ( 2 ) the tellers drawer reconciled ; and ( 3 ) the branch kept no documentation. Wells requested documentation from me showing that DC OTR is disputing receipt of the {$6100.00} payment. On XX/XX/year>, I promptly forwarded Wells a DC OTR email stating just that AND resubmitted the DC OTR ledger that accompanied my CFPB complaint [ attached hereon this new complaint ]. Wells promised to do another round of investigation ( as also stated in Wells final response to CFPB complaint XXXX. Wells received {$6100.00} but only sent DC OTR {$4200.00} leaving an unaccounted for balance of {$1900.00}. I think my request is very reasonable and straight-forward : either ( 1 ) give me a {$1900.00} refund for the discrepancy ; or ( 2 ) give me indisputable proof that Wells forwarded DC OTR {$6100.00} so that I can direct my refund request from DC OTR. At this point, closure of any further cases would be a reckless disregard for ACKNOWLEDGED consumer deposits/funds provided to Wells. I want a full accounting of everything with any other complaint closures that do not end with a {$1900.00} refund or documentation that Wells provided DC OTR with the additional {$1900.00}.

Wells has OUTRIGHT REFUSED to fully investigate this case and is gaslighting me saying I failed to cooperate which is untrue. I feel harassed and that Wells is purposely attempting to further exacerbate my medical issues and cause me further undue mental and emotional distress. Wells has the info needed to either reimburse me or provide evidence I can use in a DC OTR claim for reimbursement. PLEASE ESCALATE THIS CASE PROMPTLY. Wells continues to revictimize me, and this is not fair. 

I am asking that CFPB open an investigation into my real property tax payment as well as every other tax payment collected by Wells on behalf of DC OTR to ensure no other DC government constituents were frauded the way that I feel I've been frauded. This could potentially amount to millions, at a minimum, in stolen/misappropriated funds.

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 2024-06-15 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: FL

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U, S, C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-06-15 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:
XXXX XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U, S, C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: MD

Complaint narrative:
Please remove these inquiries. I don't know anything about them, and the company proceeded without my agreement.

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 2024-06-15 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: DE

Complaint narrative:
This is written notification that I am requesting a description of your investigation procedures as is lawfully my right under the Fair Credit Reporting Act 611 ( a ) ( 6 ) B ) ( iii ) by not later than 15 days after receiving a request from the consumer for the description.

I disputed ( 4 ) accounts listed below via XXXX on XX/XX/XXXX. 
1 ) Trade : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Trade : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Trade : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX ) Trade XXXX XXXX XXXX XXXX # XXXX According to Experian Report # XXXX Date Generated- XX/XX/XXXX the 4 accounts listed above were no longer in dispute. Therefore, I am requesting ALL the records that would reveal ALL the procedures that were used to verfy/ update these accounts. I also request the name ( s ) of the persons you spoke to along with their Business Name, addresses and telephone numbers with 15 days in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). IF YOU CAN NOT THIS SPECIFIC INFORMATION, THE ACCOUNTS MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS MANDATED BY FEDERAL LAW.

This is NOT a request for a REINVESTIGATION or RE-VERIFICATION. I am demanding detailed and complete explanation of how the ( 4 ) accounts were verified because this data is my legal right under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 Days.

My dispute was based solely upon FCRA 602 that states I have a right to PRIVACY. Additionally, I disputed because PRIVACY rights are being violated and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

Therefore, all the accounts that I disputed shoud be DELETED.

Again, this is NOT a request for any type of REINVESTIGATION or RE-VERIFICATION, I Want all the information that I request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2024-06-15 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. Under the Fair Credit Reporting Act ( FCRA ), the Credit Bureuas are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open accounts immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5900.00} ; XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$360000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief