vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an visa credit card from Wells Fargo in XXXX. I NEVER USED THE CARD, and XXXX was on the credit card ( fraudulent ) to XXXX XXXX in XXXX, I'm a resident of Florida they took off some charges, and told me I was responsible for the rest of the charges of which was XXXX. The sent me multiple letter from my complaints, and resolved and closed my account saying in responsible for rest of payment. I've made 2 payments, as I didn't know what else to do, and I know this would start to affect my credit. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
Kindly remove these inquiries. I don't have any knowledge about them, and the company conducted 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On or around XX/XX/2024 i submitted a dispute letter to the credit bureaus asking them to verify and investigate these alleged accounts. No response was received within the Fair Credit Act guidelines!

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 2024-05-06 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: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
There have been several times that I have tried to apply for a personal loan with Navy Federal, most recently on XX/XX/24. Every time, I am told they are unable to pull our credit reports for my husband and me. We have been banking with them for over XXXX years. We have our checking, savings, credit cards, other loans, certificates, etc with them. They have told me to contact XXXX and resolve any discrepancies. We have no discrepancies on our report. They have told me to contact XXXX and shorten my credit report. XXXX XXXX follows the Fair Credit Reporting Act and will not shorten our bureau. I was recently told on XX/XX/24 that I need to contact XXXX to reset the maximum number of attempts to pull your credit report. Which is absurd. I called and XXXX said they never heard of that. Navy Federal changed from XXXX to XXXX a couple of years ago and ever since then they have had this issue with pulling my bureau. No other company has had any problems. In fact we just did a refinance on my mortgage and they successfully pulled all XXXX credit reports with no issues. This is a system limitation with Navy Federal and has nothing to do with my report or my credit history. They also will not accept a pulled report from me. They tell me they can not move forward with the application without our credit report, but yet this is an issue on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX  XXXX regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX XXXXXXXX regarding the account that do not belong to me.

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 2024-05-06 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX XXXXXXXX regarding the account that do not belong to me.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX I received a call from my employer stating XXXXXXXX XXXX  was sueing me for a loan I did not apply online or go in person for. I contacted them and told them I have never done that. Ive had several claims under my name that I have received loans that I did not. I am still battling with money being taken out from places I have never been in, and as a result my bank account have been closed without my consent. Now ace is threatening to garnish my paychecks. I am a single mother who doesnt make a lot of money and am on food stamps. I have never gone into that place to take out a loan yet I am now being punished with threats of sueing and taking my pay check. They said they had all my information. My number is XXXX my social is XXXX I do not know the loan amount. I have lawyer offices calling my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MD

Complaint narrative:
Around mid XX/XX/year>, I opened a XXXX high yield XXXX account. I promptly linked it my XXXX checking account via the XXXX app and their microtransaction verification process. I transferred {$3200.00} into the XXXX account from my XXXX account on XXXX XX/XX/year>. On XXXX XX/XX/year> I did a mobile Check deposit for {$960.00}. On XXXX XX/XX/year> I transferred {$2700.00} from Bask to my XXXX via the XXXX app. Today, I wake up to find the transfer was cancelled and my XXXX account is XXXX. I called XXXX to ask why and all they told me was that my account is under review and their internal team would " reach out soon ''. I kept pressing for information ( why is my account under review? how long does this review process take? Why can't I access my own money? etc. ) but was continuously told the same thing : my account is under review and their internal team would reach out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NJ

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX I received a call from my employer stating XXXX XXXX  was sueing me for a loan I did not apply online or go in person for. I contacted them and told them I have never done that. Ive had several claims under my name that I have received loans that I did not. I am still battling with money being taken out from places I have never been in, and as a result my bank account have been closed without my consent. Now XXXX is threatening to garnish my paychecks. I am a single mother who doesnt make a lot of money and am on food stamps. I have never gone into that place to take out a loan yet I am now being punished with threats of sueing and taking my pay check. They said they had all my information. My number is XXXX my social is XXXX I do not know the loan amount. I have lawyer offices calling my employer

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 2024-05-06 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX XXXX regarding the account that do not belong to me.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-06 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: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-06 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:
Dear Sir or Madam, This letter is a follow-up to my previous correspondence regarding the inaccurate information on my credit report related to the XXXX account ending in [ XXXX  ]. I submitted a dispute through the CFPB portal and recently received your response. 

In my dispute, I mentioned that the information was inaccurate and violated the Fair Credit Reporting Act ( FCRA ) due to the following reasons : Missing Pre-Reporting Notice ( FCRA Section 623 ( a ) ( XXXX  ) ) : I never received any pre-reporting notice before XXXX charged off the account. 
Inaccurate Information ( FCRA Section 1681s-2 ( a ) ( 1 ) ) : The address listed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) is not an address I have ever lived at. Similarly, the phone number provided ( XXXX ) is not a phone number I have ever used. 
Furthermore, I am writing to bring to your attention that XXXX, another credit reporting agency, has already investigated and removed this very same XXXX account from my XXXX report after I submitted a dispute. I have attached a redacted copy of my XXXX report for your reference. This clearly shows that XXXX cooperated with XXXX 's investigation and the account was subsequently deleted. 

This discrepancy between XXXX 's findings and TransUnion 's verification process raises concerns about the accuracy of the information on my TransUnion report. Considering these facts and the potential violations of FCRA Sections 623 ( a ) ( 7 ) and 1681s-2 ( a ) ( 1 ), I urge you to thoroughly reinvestigate this dispute.

I am fully committed to cooperating with your investigation in any way necessary. Please let me know if you require any additional information from me. 

I request that TransUnion : Reinvestigate this dispute considering the new evidence provided ( redacted XXXX report ). 
Contact XXXX again to verify the information and inquire why they reported differently to XXXX. 
Remove the inaccurate information from my TransUnion report if the investigation confirms the violations. 
Thank you for your attention to this matter. I expect a response from TransUnion outlining the results of your reinvestigation within 30 days of the date of this letter, as outlined in the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
At XXXX XXXX  on XX/XX/XXXX, The CCS Companies ( calling on behalf of CCS Offices ) contacted my workplace for the third time regarding an unknown debt. Despite my two previous requests via mail for them to verify the debt, they have not done so. Nevertheless, they persist in contacting me through my workplace in their efforts to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Essential Lending Inc
State: MO

Complaint narrative:
XXXX XXXX National debt holdings XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Reporting - Account Number XXXX Dear Sir/Madam, I dispute the accuracy of the credit reporting and information on my account with XXXX and National debt holdings account number XXXX This account was charged off and written off in XX/XX/year>, yet XXXX and XXXX debt holdings continues to report an outstanding balance of {$0.00} and an inaccurate payment history, violating the FCRA. 

XXXX and National debt holding failure to correct these errors and remove the account from my credit report constitutes a violation of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ). I demand that XXXX take immediate action to correct these errors and remove the account from my credit report. I also demand compensation for the damages I have suffered as a result of XXXX 's negligence and failure to comply with the FCRA regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation