vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking XXXXXXXX XXXX to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my Experian and 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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are unauthorize hard inquires from XXXX XXXX, XXXX XXXX on XX/XX/2023. I did not apply for credit from these institution, And call trans and wrote letters to Transunion to file a dispute, But they ignore my complaint and the hard inquires remain.

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 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX I was sent a collections letter from XXXX XXXX XXXX stating I owed over {$10000.00} to Bank of America for a credit card opened in XXXX of XXXX. I immediately sent a debt verification letter and requested several documents including original signatures be sent to me. The only information provided was a statement of charges. Someone in Delaware opened a business account in my name and charged over {$10000.00} in California and Massachusetts. I do not live in any of these states. It was also opened in a surname I have not gone by in 10 years! I have evidence to support my whereabouts on these dates as well. I followed the guidelines on the FTC identity theft website and have been denied by Bank of America because I can not provide them with the articles of the business. I can not provide something I do not have! I was also informed the thief opened XXXX additional accounts in my name including a checking account which they still can not provide me with a signature or the employee who opened this account.I have also never received anything from Bank of America saying I owed them anything when these accounts defaulted. They will also not provide me with information or what is charged on the other XXXX accounts. It is clear that I am a victim of 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 non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KS

Complaint narrative:
This debt is XXXX years old. They bought the debt one month ago and decreased my credit score by XXXX points. They are representing this debt as new. Two credit agencies have removed it from my credit report. XXXX states that this meets the fair credit act. Not to worry because it falls off in XX/XX/2024. This should be removed, please. Atleast updated that this is XXXX year old debt. I feel it should be deleted though. These collection agencies should not be allowed to do this. I have had 3 debts from XXXX  years ago recently put on my credit in the last 90 days. One was completely removed. One is still on there but in dispute and this one. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an AMEX gift card for XXXX. I have never successfully used this card anywhere, even though it remains active. This is a physical card, and it is declined both online and in brick-and-mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take this card. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance for my unusable cards to a virtual card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
In XXXX of XXXX I began a 3 month trial period after being approved for a Covid Loan Modification. After the last successful payment in XXXX of XXXX, I was told a Notary would contact me to come to my home and have me sign paperwork for the new modification. I hadnt heard anything for a couple of months, so XX/XX/XXXX I called Rocket Mortgage to inquire about the Notary. I was told my paperwork was just received the day before and that they were working on things. I called again on XX/XX/XXXX to inquire about the Notary. I was told they were still working on my paperwork. XX/XX/XXXX a Notary texted me to make an appointment to come have me sign the paperwork. She mentioned my Fathers name and I stated he has been deceased for a few years and should no longer be on any paperwork after I sent in his Certificate of Death. She contacted Rocket Mortgage and they told her to cancel my appointment while the paperwork is corrected. XX/XX/XXXX another Notary contacted me and mentioned my Fathers name as well. I told her what happened the prior week. She contacted Rocket Mortgage and was also told to cancel the appointment while they corrected my paperwork. In the meantime, I had not received any phone calls, text messages, or letters from Rocket Mortgage. On XX/XX/XXXX a third Notary contacted me. I asked her were any other names on my paperwork and she stated No, so we made the appointment for me to sign the modification on XX/XX/XXXX. On XX/XX/XXXX I called Rocket Mortgage in front of the Notary because my paperwork stated the Next Payment Due was XX/XX/XXXX. I inquired as to how am I signing paperwork on XX/XX/XXXX thats asking for a payment the month prior. I was told by the Account Resolutions Department that I was well aware my first payment was due in XXXX. I told her unless they were going to pull up recorded phone conversations, to please not tell me what I was told or should be aware of. I ended the call and placed another call to Rocket Mortgage thinking I would speak to someone else who understood what resolution meant to no avail. How would I know when to pay when Rocket Mortgage fumbled my paperwork several times? How would I know what amount to pay when I paid one amount during the trial period that was totally different than the amount on my paperwork I finally received on XX/XX/XXXX. I told them I would be making a payment on XX/XX/XXXX and I did. In the meantime, Im receiving paperwork speaking of FORECLOSURE. I contacted a HUD Agency Counselor to get a better understanding of my rights and was given this link to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: LA

Complaint narrative:
After reviewing my credit reports, I spotted some inaccurate late payment accounts that needs reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business 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 2024-03-06 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: NY

Complaint narrative:
TransUnion Account Number : To whom it may concern, : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$230.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

Thank 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 2024-03-06 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: CT

Complaint narrative:
I am writing this letter. I am being greatly impacted by that, which is on my credit report. These accounts are showing up on my credit report since I am a victim of identity theft and my information was compromised. Those I should not be held accountable or responsible for anything that was opened up without my knowledge, so these accounts are really hurting me a lot. It is not my account. I have no doubt that none of you would want to pay for a product or service about which you know nothing or have used. 

At some point in XXXX, I should be in the process of purchasing a house and may even receive a credit check in order to advance in my career. Being a victim is not easy, so I'm working to organize my life. My mental health is severely harmed by it and it is overly stressful.

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 2024-03-06 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 reached out to Equifax about this issue multiple times and has not yet to be resolve. My social security number is attached and link to someone else 's Equifax report with the same first, last name, and different date of birth also middle initial. The report is not mine. What is reported on the account is not mine. Which is inaccurate. I have no relations with this individual and is not a my relative. My original Equifax, XXXX, and XXXX is not reporting the information that is on the other person 's report. Please help me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I submitted an online wire transfer {$80.00} from Wells Fargo which they charged me {$25.00} dollars. At XXXX XX/XX/2024. I called after 2 hours because as I checked my other bank account I noticed the wire hadnt arrived at my bank. So I called Wells Fargo back I talked to XXXX she told me a wire transfer takes 2-3 business days. I said I dont think thats right are you talking about an ACH transfer she said no.i said ok. Hung up the phone I called back XXXX at XXXX talked to heady she told me a wire transfers takes 2-3 business days I told here a wire transfer should take a couple of hours. Then I asked her why when I call in regards to a electronic wire transfer you guys make it seem as if Im making a ach transfer? She said all wires take that long Im like no they dont. I sent up 3wires the same way to my other accounts and they took no line then 30mins to reach there. I told her if they dont do wire transfers just say that. But she said they did. I said so why did you guys charge me $ XXXX same day service when clearly you didnt provide me same day service. Told her I wanted a refund. And then she kept putting me on hold to verify my info. And which they knew already. I hung up the phone after the second time she said she was making a case but I was on the phone waiting for XXXX. I know they will probably say I hung up. But I shouldnt have been on hold that long for someone to work a case.for my refund.bout XXXX something I hung up the phone cause I had errands to take care of I check my account and the money appears in there. But she was also tell me that the transaction completed and everything yesterday which is not true cause I checked my Wells Fargo acct to see if the money left my account and is was still in pending status well past XXXX XXXX which I feel like they submitted my payment lastnight early this morning. Reason it came late which I was charge same day service I didnt get.

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 2024-03-06 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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-06 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: PA

Complaint narrative:
Account number XXXX has been disputed multiple times and keeps coming back as verified and updated but no verification had been sent 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 2024-03-06 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-06 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit was used fraudulently to apply for credit cards and auto financing. It was not me nor anyone I associate with please remove from my credit .It is affecting my score and home buying.

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