vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, 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 2024-01-11 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: LA

Complaint narrative:
resolved for Delete

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 2024-01-11 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: LA

Complaint narrative:
resolved for Delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: WI

Complaint narrative:
Transunion keeps doing an investigation in 3 days or so without any information given. I filed a dispute against XXXX XXXX on XX/XX/XXXX, its already completed. I haven't worked for XXXX XXXX XXXX XXXX since XX/XX/XXXXXXXX  due to injury. I was then paid through Worker compensation all of XXXX which was a third party with no deduction taken out. I also have a letter stating I no longer XXXX at XXXX XXXX permanently though as of XX/XX/XXXX. XXXX XXXX placed a collection on my name as of XX/XX/XXXX, the account isn't mine and I told this to Transunion. How can a bill be mine if they haven't received a payment to keep insurance since XXXX? I paid it through my paycheck so they haven't seen a monthly payment for a long time. I could only receive this insurance through my employer and they do run your insurance when you go to an appointment to make sure you're still active.

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 2024-01-11 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: TN

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: OK

Complaint narrative:
XXXX XXXX XXXX Account is to be Deleted & Removed from my consumer report as soon as possible.

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 2024-01-11 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: OK

Complaint narrative:
XXXX XXXX XXXX Account is to be Deleted & Removed from my consumer report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  my WISELY card was stolen. Same day I called WISELY and reported stolen card as well as multiple unauthorizes activity on the card in the amount of {$4700.00}. See attached file for list of transactions, dates and amounts. 
I was supposed to receive Statement of Fraud paperwork from WISELY to complete my dispute. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called WISELY to inform them that no paperwork was delivered to me. I confirmed my mailing address and requested the paperwork to be emailed to me during each phone call. No email was sent to me. 
Statement of Fraud paperwork arrived by USPS on XX/XX/XXXX. I completed it and as per WISELY instructions emailed it to XXXX the same day. 
On XX/XX/XXXX I received a letter from WISELY dated XX/XX/XXXX stating that my dispute was closed and no money will be returned to me. They closed the dispute before I received their paperwork even-though they knew that as of XX/XX/XXXX I still did not receive their paperwork via USPS or email. 
On XX/XX/XXXX I called WISELY and asked the dispute to be reopened. I was instructed by XXXX to send a certified letter to ADP-Compliance Solutions C/O WISELY - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX I sent the letter on XX/XX/XXXX and WISELY received it on XX/XX/XXXX. ( Tracking confirmation attached ) Since nothing happened I called WISELY on XX/XX/XXXX and spoke with XXXX who said that WISELY never received my certified letter ( I had a tracking report proving they received the letter ). He told me to write another letter which I did and sent it to WISELY as certified mail on XX/XX/XXXX. Attached is a confirmation that WISELY received my second certified letter on XX/XX/XXXX. As of today, XX/XX/XXXX, I still did not hear from WISELY and did not receive the funds that were stolen from my WISELY card. 
WISELY advertises on their website, app and in print that " Your account '', " balance '', and " funds are ( FDIC ) protected from fraud if card is lost or stolen. You must notify us immediately and assist us in our investigation. '' I followed all the steps- notified them and assisted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MA

Complaint narrative:
Company incorrectly reported account 30 days past due in XX/XX/. My account was in forbearance. I submitted a request for correction along with proof my account was in forbearance, and the little snakes are claiming it was past due. Another agent I spoke with said it didn't matter, once they make a report they won't correct it, even though my account wasn't past due.

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 2024-01-11 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:
Hello CFPB, I am writing to bring to your attention a matter of concern regarding the reporting of an account in my credit history, specifically XXXX XXXX XXXX - Acct # : XXXX. 

It has come to my attention that XXXX deleted this account from my credit history on XXXX XXXX XXXX  I am seeking clarification on the difference in reporting between the two credit bureaus. I am curious about the methods employed in their investigation and verification process, as XXXX has deemed this account unverified and misleading. 

I am keen to understand how XXXX and TransUnion can assert the accuracy of the reported information, given that a major credit bureau has already removed it from my credit report. If the data originates from the same creditor, it raises questions as to why different results are being reported. 

I insist to delete XXXX XXXX XXXX - Acct # : XXXX, due to the following reasons. 

1. It has already been proved inaccurate by XXXX as the result of why they have to remove this invalid & erroneous account from my record. 

2. When you compare reports from one consulting agency to another, you can see a big discrepancy of the following : Date Opened : XXXX  ( TransUnion ) - XXXX XXXX XXXX XXXX Date Last Active : XXXX ( TransUnion ) - XXXX XXXX XXXX XXXX  Date of Last Payment : XXXX  ( TransUnion ) - XXXX XXXX According to the FCRA law, under the Compliance Procedure, when a credit reporting agency creates a credit report for a consumer, they must take reasonable steps to ensure that the information in the report is as accurate as possible. They need to do everything they can to get the facts straight and avoid mistakes. This includes checking sources, verifying information, and making sure they have the most up-to-date information available. 

In other words, the credit reporting agency has a responsibility to make sure that the information in my credit report is correct and reliable. They can't just put anything they want in my report without making sure it's true. If they find out that something is wrong, they have to fix it right away. 

Additionally, I also want to bring to your attention the inaccuracy of my personal information, specifically on the following category : Date of Birth Current Address Previous Address Employers This actually made me wonder as to how you obtain my information and the items you are reporting on my credit report if my personal information were factually INCORRECT!

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 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial
State: CA

Complaint narrative:
I am writing to dispute a recorded late payment of XXXX cents on my credit report. Despite being a customer for 8 months, I have never been late in dealing with your company. I have thoroughly reviewed my debit Prescription card statements and records, and all payments were made on time within the designated grace period as per my credit card agreement. I have also paid the late fee and made an early payment for the next month to prevent future late payments. I have proof of payment and the company has agreed to reverse the late payment. 

I kindly request that you investigate this matter and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor Name : [ West Creek Financial dba Koalafi ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/ ] for XXXX cents I request a thorough investigation, taking into consideration the provided information and proof of payment. Please confirm receipt of this dispute letter and provide an estimated timeframe for your investigation. I also request written notification of the investigation results and any actions taken to rectify the inaccurate reporting on my credit report. 

The inaccurate reporting of a late payment has negatively impacted my creditworthiness and financial standing. I trust that you will promptly address this issue and ensure that my credit report reflects accurate and up-to-date information. 

Thank you for your attention to this dispute. I anticipate a swift resolution and the correction of my credit report. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
We ended the lease beforeXX/XX/2023. The manager of the XXXX XXXX XXXX XXXX apartments stated she wanted to replace the carpet and vinyl, which was not damaged. She said the insurance on the unit would cover the cost of replacement and there would be no charge billed to my father. I informed her there was no damage. She said she knows. This is what they do for all the units to replace everything. I had applied for several apartments and was denied. One of my applications was held up for approval due to the {$1400.00} bill. I went back to the XXXX XXXX XXXX XXXX, and the manager said, no, there should not be a charge to you. She gave a statement and email confirming {$0.00} charge. She said this was happening to more than one resident. Shortly afterward, we received collection statements from XXXX XXXX XXXX  and the Law Office of Brett M. Borland. P.C. This has negatively affected my father 's credit and prevented him from obtaining senior housing near me. He is a XXXX victim XXXX XXXX XXXX XXXX. Since then, I have tried to speak with the collection agency and law firm. This is my 2nd electronic dispute and I mailed a letter explaining the situation with documentation requesting they remove this from his credit. I contacted the manager at the XXXX at XXXX, and she said she has reached out to correct this matter, but nothing has happened. The insurance company the apartments are using is ripping the seniors off. We are not sure who this insurance company is because the collection letter is coming from the XXXX at XXXX XXXX. The balance on her file is {$0.00}. I am the daughter and power of attorney of the consumer. The power of attorney documents can be sent to authorize me to speak on my father 's behalf. I am running out of options to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX, the car was purchased by my XXXX XXXX XXXX and I was the cosigner. The payoff on the car she traded in was not made for an excessive amount of time- I found the dealer sold the business and never completed her transaction- I could get no response so I contacted Nissan XXXX XXXX  and they could not help- finally I located the new Dealership VP and he had us sign new papers but the terms were not the same. 
NOW Nissan XXXX didnt provide my Granddaughter with her her bill so she assumed the payment was in XXXX I was checking the account and immediately made her XXXX payment. In XXXX I paid XXXX and XXXX in time to avoid the late fee- however the payment was misposted as 1 payment with a additional principal reduction instead of 2 payments. I called Nissan and was told they would reverse it and post it as two payments but again they only posted it as 1 payment with extra to the principal so I again called, same response. ( I also used the online Chat portal many times ) I called again and asked for a manager/supervisor and was hung up on. Ive called repeatedly to have a Supervisor/Manager to reach out to me but no action has been taken on their part. Now I have made new payments to try to avoid negative credit report posts but they have posted us delinquent. I am dismayed that no upper management can handle and review this loan. Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: SC

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: NC

Complaint narrative:
There are accounts that are not mine and a few accounts that are charged off with balances still owing, How can that be when they issued me a 1099 for it

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 2024-01-11 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief