vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
I am writing to address a matter of utmost importance regarding persistent inaccuracies on my credit report. Despite my repeated attempts to rectify these discrepancies, it has come to my attention that the credit bureaus continue to disregard the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ), clearly mandates that credit bureaus must modify or delete accounts that do not accurately reflect the individual 's financial history. Unfortunately, my efforts to bring this to your attention have been met with frustration, revealing a concerning breach of the laws designed to protect consumers.

Referring to 15 USC 1681b ( 1 ), it is crucial to emphasize that the credit bureaus lack written permission regarding the information on my credit report. Furthermore, my right to privacy, as stipula

ted in 15 USC 1681, is being compromised due to the persistent inaccuracies. As outlined in 15 USC 1681s-2, it is explicitly stated that a per
son shall not furnish inaccurate information to any consumer reporting agency. Despite my notifications regarding the inaccuracies and the invocation of the provisions of 15 USC 1681 for a reinvestigation, the credit bureaus have failed to block and permanently delete these accounts within the legally mandated four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
To give you some context and brief backstory. XXXX XXXX XXXX credit card was around previous XX/XX/2023 sold and taken over by Barclays Bank. I have TWICE had this issue of making a payment over the phone with a CONFIRMATION CODE given and bank clearance only to have my payment NOT clear on their end giving this last time of lying claiming the inadvertent account number which with voice confirmation as well as it CLEARING my bank. I am a responsible RN for 20 years without interruption. And Barclays send a letter 11 days later with zero calls texts emails and charges me late fees and erroneous 30 days late fee on my credit. I spoke AGAIN WHERE I KNOW my voice is call is documented and recorded that after again a confirmation number given which they do not give UNTIL PAYMENT clears over the phone and frankly lied to. This is egregious business practice. 

My credit lowered almost XXXX points from their errors. This is habitually ONLY happens with Barclays and in the infancy of this business relationship. I have ALWAYS paid on time and take this very seriously. I spoke again XXXX and paid to get my account current and told to send their legal department information I am sending you folks with no avail. I have all supporting documentation clearing showing the payment and subsequent errors by Barclays Bank cc. I find this amazing and tedious and want THIS REMOVED IMMEDIATELY immediately and if not removed within XXXX business will have my lawyer help and escalate. I am a hard working high tax paying XXXX lady saving lives on a daily basis never asking for anything.

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 2024-02-06 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:
This is in response to complaint XXXX. XXXX XXXX failed to provide documentation presenting any liability I have with them. The alleged debt with XXXX  XXXX is inaccurate. I have not held a balance of {$980.00} with the original creditor, nor do I owe a balance to XXXX XXXX. Furthermore, XXXX XXXX failed to provide their license to collect debt in the state of Texas. I was not presented with the forward flow agreement which I have this right as a consumer. When a debt is sold, the consumer is to receive correspondence via mail, which was never the case. I also wish to emphasize that, even if this were my account, I have never received any correspondence, such as a 1099-C, which would allow me to audit the reported information. As per the IRS guidelines, I have the option to file Form 3949a for illegal tax violations, and I sincerely hope it does not come to that. Any liability that was held with XXXX  XXXX has since been satisfied. I will be moving forward with legal action if this account is not removed from my Experian report within 7 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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
After review of my Early Warning Services report. I noticed that there was a derogatory account that is the result of identity theft. I contact the company and requested a copy of the original contract that still wasnt been provided. Early Warning Services advised that the derogatory account was verified without employing any proper verification procedures or investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the XXXX data breach. This resulted in numerous fraudulent accounts being opened due to Identity theft, I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

The name should be listed as XXXX XXXX XXXX XXXX. 

The current address is XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Accounts listed in error : Name XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXXXXXX 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 2024-02-06 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: GA

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the XXXX data breach. This resulted in numerous fraudulent accounts being opened due to Identity theft, I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

The name should be listed as XXXX XXXX XXXX XXXX. 

The current address is XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Accounts listed in error : Name XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXXXXXX 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 2024-02-06 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 strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-02-06 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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 strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-06 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: IL

Complaint narrative:
On XX/XX/2024 I sent an investigation request letter to all 3 Credit Bureaus : Experian, XXXX, and XXXX to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Lies and ploys is all this greedy worthless predatory company does you CAN NOT VIEW ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
An impersonator of Santander bank called from their customer service number and had all my account and security information, moved {$8500.00} to my checking account from savings, and then took {$4400.00} from my account. Santander will not reimburse the funds because they are blaming me for authorizing this, even though I was fully convinced it was the real Santander due to the accurate information that was provided to me. 
This is an APP scam that should be refunded. My funds landed in XXXX XXXX  on a card with XXXX as the last 4 digits. They have all the transaction times dates and amounts and partial card number, chime is being negligent on this investigation. I don't understand why I can not get my money back.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have 2 credits cards with Chase. One is open and one was closed on XXXX XXXX, XXXX. On XX/XX/XXXX I was sent a promotional email from Chase to refer people for a credit card and I would receive a referral bonus of XXXX Up Rewards if the person was approved. 

I sent the referral link to someone and that person was approved for a card on XX/XX/XXXX. On XXXX XXXX, XXXX I sent a secure message asking about the referral bonus points. The Chase representative responded that it takes 8 weeks for the bonus points to post to the account. Between XX/XX/XXXX and XX/XX/XXXX I sent 20 secure messages to Chase representatives inquiring the status of my referral bonus points. 

On XX/XX/XXXX I received my paper statement for the credit card that was closed. The statement was sent to a wrong address. I had previously updated my address with Chase, and Chase didn't update my account with the correct account. 

On XXXX XXXX, XXXX I was told that it had been 30 days since my account was closed and I forfeited the points. I never received my statement showing the points because it was sent to the wrong address. Additionally, I was taking steps to get this resolved within a timely timeframe by messaging Chase XXXX times since XX/XX/XXXX. If it would have been resolved, I would have received the bonus points. 

I feel mislead in that this referral email was sent on XXXX XXXX, XXXX, for this account that had been closed on XXXX XXXX, XXXX. If I couldn't get these points after 30 days of account closure, then this was very misleading. Why would I receive this bonus opportunity if I couldn't receive the bonus? I would like my XXXX bonus reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-06 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: OH

Complaint narrative:
I recently check my XXXX XXXX and notice accounts that I have never applied for. These accounts were : 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 2024-02-06 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: OH

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
Previously I had sent tens of thousands of dollars through Wise to vendors domestically and internationally with no issues. Suddenly on the last transaction they required biometric verification of me holding an ID with no explanation why. When I inquired about how long the biometric data would be stored, I couldn't get a definitive answer. Most of the responses didn't have a human 's name in the signature, some said 1 year, some said 6 years and nobody really addressed the previous emails. This started in XXXX and despite saying resolution times are 14 days, months went by. The tone of the emails was dismissive. After pressing and sending FTC regulations on the policy, I was told I could " submit complaints to XXXX  and CFPB ''. 

Email screenshots attached. Dozens of other similar emails not attached. 

I'm also selecting " TransferWise '' as the company but they have renamed to WISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: 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 non-monetary relief
Consumer complaint received 2024-02-06 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: 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 non-monetary relief