vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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:
Sent Letter to company about Fraudulent account being removed from my credit report no response was given filed complaint with XXXX  Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # 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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: AR

Complaint narrative:
UNITED COLLECTION BURE been attempting to collect a debt since it allegedly opened on XX/XX/year>. This Debt is the result of identity theft. I have asked this company to provide supporting documentation proving this account belonged to me, was opened by me, or that I gave them permission to contact me regarding a debt that has never belonged to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Between yesterday and the day prior, I transferred more than {$370.00} dollars into my Wells Fargo account. Plus the {$370.00} I already had in the account. Wells Fargo claimed I did not have enough money in my account despite showing an ending day balance of {$230.00}. I have screen shots of Wells Fargo taking the {$70.00} payment into my account, of which {$70.00} was transferred into my account before AND after just to make sure. There was plenty of money in the account and Wells Fargo took the money out. Then today, I got an email from Wells Fargo saying they sent the money back for insufficient funds. Where is that money going? And why are they claiming I did not have the money in the account when I clearly did and they took the money out. I sat on hold for more than XXXX minutes and then the Wells Fargo agent came back he disconnected the call. A pattern. And the same type of harassing and illegal conduct they have gotten in trouble from this agency and the federal government in the past. The item attached shows they withdrew the {$70.00} in my account and it brought my balance to {$6.00}, however, they still took the money out clearly. If they are going to take money out of my for XXXX XXXX XXXX, they need to pay XXXX XXXX XXXX like I authorized. Not use it for something else for their benefit at the time and then claim I don't have enough the next day when they had already withdrawn it from my account and I had sufficient funds at the 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 2024-10-09 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: AL

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: AZ

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of a paid charge-off from my credit report, as well as to bring to your attention certain inaccuracies related to the reporting of this account. The account in question is as follows : Account Name : XXXX Account Number : XXXX I have identified discrepancies in the reporting of this account, specifically regarding late payments and the dates of delinquency, which do not align with my records. This inaccurate information is adversely affecting my credit score and, in turn, my ability to obtain new credit or loans, despite my efforts to maintain responsible financial behavior.

Please review and send me confirmation of the last paid date, payment history, credit limit, payment status, last reported date and any additional information to validate the information provided to the credit bureau. 
I kindly request a thorough review of this account and an update to the information being reported to the credit bureaus. If these inaccuracies can not be substantiated, I respectfully ask that you promptly remove the charge-off and any incorrect late payment entries from my credit report. Your assistance in this matter would significantly help in restoring my credit standing and alleviating the difficulties Im currently facing in obtaining new 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 2024-10-09 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: AZ

Complaint narrative:
I have recently discovered unauthorized accounts on my financial report that I do not recognize. These accounts appear to be fraudulent and are significantly affecting my credit scores. I am concerned about the unauthorized activity and the potential impact on my financial standing.

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 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
A payment plan was discussed with the rep from XXXX XXXX to help pay for a repair for our home 's electrical system. I made a payment of {$160.00} on XX/XX/scrub> 2024, for the due date of XX/XX/year>2024. I made a payment of {$170.00} on XX/XX/scrub> 2024, for the due date of XX/XX/year>2024. On XX/XX/scrub> 2024 I received a past due notice. When I contacted Synchrony I was told that I made the payment too early and after speaking to a XXXX and that it could not be applied to my regular payment. I asked him if they could just refund my payment and he responded yes. He reassured me that I could receive a paper check in the mail around XX/XX/XXXX and provided escalation # XXXX I had not received the check and contacted Synchrony on XX/XX/XXXX and was told that they have no way of sending refunds and to contact my bank to obtain a refund. The bank advised that they only assist with fraud or payment errors and businesses process refunds. I asked to speak to a XXXX several times and was told one would contact me. I did not receive a follow up call and the rep could not assist with the information I was provided previously. Also, no physical statements have been received although we have requested them. Another escalation was placed on XX/XX/year>.

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 2024-10-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to formally address the reporting of a " charge-off '' related to the account associated with my name and credit history. It has come to my attention that XXXX XXXX XXXX has improperly reported this account as a charge-off and potentially transferred it to a third-party debt collector. 

According to the Internal Revenue Code and applicable legal standards, a " charge-off '' sent to a third-party debt collector is effectively a certificate of indebtedness. Under these regulations, certificates of indebtedness are considered income, and they should be accompanied by IRS Form 1099-C , which reports cancellation of debt to the IRS. 

Since a charge-off is treated as a certificate of indebtedness, it is also considered income under federal tax laws. Therefore, this charge-off entry on my credit report is incorrect and must be removed immediately. By continuing to report this transaction history without properly issuing a 1099-C or acknowledging its income status, XXXX XXXX XXXX XXXX XXXX violating federal tax laws and consumer protection regulations. 

Additionally, it is illegal to report transaction history that misrepresents the nature of the debt, especially after it has been written off or transferred to a third party. This improper reporting can have a damaging effect on my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally address the reporting of a " charge-off '' related to the account associated with my name and credit history. It has come to my attention that XXXX XXXX XXXX has improperly reported this account as a charge-off and potentially transferred it to a third-party debt collector. 

According to the Internal Revenue Code and applicable legal standards, a " charge-off '' sent to a third-party debt collector is effectively a certificate of indebtedness. Under these regulations, certificates of indebtedness are considered income, and they should be accompanied by IRS Form 1099-C , which reports cancellation of debt to the IRS. 

Since a charge-off is treated as a certificate of indebtedness, it is also considered income under federal tax laws. Therefore, this charge-off entry on my credit report is incorrect and must be removed immediately. By continuing to report this transaction history without properly issuing a 1099-C or acknowledging its income status, XXXX XXXX XXXX XXXX XXXX violating federal tax laws and consumer protection regulations. 

Additionally, it is illegal to report transaction history that misrepresents the nature of the debt, especially after it has been written off or transferred to a third party. This improper reporting can have a damaging effect on my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX  : The Old Navy Store clerk approached us and the credit card account was opened and the purchases made in the store were put on the card. 
XXXX : Received the statement in mail for payment. 
The card was never delivered. So we don't have the full card details as well. When I approached the company on phone, they refuse to take payments and are requesting for more documentation ( which was never agreed upon when the card was opened ). I want to pay the statement full balance but they refuse to take the payment and demand more documentation. I requested them to take the payment and close the account so that I don't have to pay the late fees and my credit score is not affected.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - XXXX following information is Outdated, Please remove it from my credit Report - XXXX personal data reporting is inaccurate. 
EMPLOYER - XXXX - XXXX following information is Outdated, Please remove it from my credit Report - XXXX personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!

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 2024-10-09 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-09 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-09 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: TX

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-10-09 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: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I contacted all 3 credit reporting agencies XXXX, XXXX, XXXX, and Bridgecrest ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from Bridgecrest has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with Bridgecrest 's customer service department and charge-off department. Bridgecrest 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all 3 credit agencies several times each and they told me that Bridgecrest must be reporting it wrong and that is why it is not showing accurately as a charge off.

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.

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