vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is XXXX XXXX XXXX In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to XXXX not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the XXXX late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. Equifax just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for Equifax and XXXX XXXX I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, Equifax is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were inaccurately reporting on my credit. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dispute Incorrect Reports of My Name and Addresses. 


INCORRECT NAMES REPORTED : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX INCORRECT EMPLOYMENT INFO : NEVADA XXXX 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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2023 around XXXX XXXX  MT, I received a call from XXXX. The number showed up as " Chase Bank '' on my phone. The woman stated there were two unauthorized transactions on my account and she was going to issue a new debit card. She then asked for a verification code and instructed me to hit " yes '' on my phone when prompted by the Chase messaging system, which I did. After this occurred, seven {$60.00} transactions were taken out of my checking account and five separate {$60.00} transactions were taken out of my savings. When I called Chase Bank to see why these ones weren't flagged, I only then learned the woman before was a scam and had tricked me into both offering a code and writing " yes '' on my phone which allowed access to what someone at Chase called my " digital wallet. '' I felt stupid but it was the reality of what happened. 

Chase issued me a temporary credit and then notified me on XX/XX/XXXX that they were rescinding the credits on XX/XX/XXXX because they found the transactions were, in fact, " authorized. '' I called Chase Bank on XX/XX/XXXX around XXXX XXXX  MT and spoke with two different individuals. They didn't explain why the investigation found me guilty other than " the device was consistent with the transaction, '' which I assume means the the fact that the scammers tricked me by using the Chase text system to get me to issue a code from my cell phone. When I told them this was a fraud victim scenario, I was dismissed ( I was actually told by the first person " no, this isn't fraud '' ), and told there are no other options and that I could not speak to anyone on the investigations side since the decision was final. Even though they told me there are " case by case '' decisions, they told me " regulations require us to do it this way. '' On top of this, I've sent three messages to Chase through the secure message center, but only one has been responded to, which told me to call the same people I spoke with the first time. I'm not really getting any clear information from Chase about what rights I have. 

I understand I played a role in the scam I was a victim of, but I would be surprised that Chase Bank offers no fraud protection for these scenarios for its customers. Is this really true? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent dispute letters out in XXXX of 2023 and XXXX of 2023 asking to verify accounts and delete for violations of FCRA and metro 2 compliance standard. Investigations came back as verified and accurate. Updated credit report does not reflect the changes if any were made.

15 USC 1681 15 USC 1692g

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I wrote to you Equifax requesting these old addresses and incorrect spellings of my name be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Account was opened without my consent or knowledge. My identity was compromised, and this account was placed into collections on the date below. 


Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone 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 explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court

may also allow punitive damages. I did not initiate any of the inquiries that a
ppear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
XX/XX/XXXX I have seen numerous items on my consumer report from XXXX and Transunion that are not suppose to be on my consumer report I am disputing the following items 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 
The only name that is suppose to be on my consumer report is XXXX XXXX I do not want my social showing on my consumer report that is a privacy act of 1974 issue and that number belongs to the Social Security Administration its illegal to steal and sell identity per 15 USC 1028 A. I am disputing all telephone numbers because I have never had any of the numbers that is listed. And I do not want any phne numbers listed on my consumer report .I opt of out any promotions of selling my information soft pulls and hard pulls per 17 CFR 248.125. The only address that is suppose to show on my report is the one that is on the identity theft packet that is attached to this complaint. According to 15 usc 1681 c-2 ( a ) Transunion and XXXX have 4 days to block the information that I am disputing from my consumer report due to identity theft I do not need to fill out any other information other than what is stated in 15 USC 1681c-2 ( 2 ) Identity theft report which is attached to tis complaint. I have never obtained any goods or services from any of these companies I am disputing .There should be no inquires, no other addresses other than what's on my consumer report and I do not use any aka 's and no other names. I have been a victim of theft while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its sad that I can not obtain anything due to this identity theft i continue to face.

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 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial continuously contacts me over 10 times a day. I have repeatedly asked for the communication to stop on several occasions. OneMain Financial is reporting an alleged debt in the amount of {$2700.00} on the credit reporting agencies. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the inaccurate information listed on my consumer credit report. OneMain Financial calls from XXXX several times a day nonstop. I have received letters from the company advising of an unknown debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/2023 I applied for a checking account with XXXX XXXX XXXX XXXX and was denied an account due to an alleged debt being reported to Checks Systems. I have no knowledge of the inaccurate information being reported to credit reporting agencies.I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Pursuant to federal law 15 USC 1602 the law states the consumer has the right to dispute inaccurate information reporting on the consumer report. I am requesting the original contract, wet ink signature, balance, contract and your company failed to provide evidence reflecting and proving the debt is valid.You have failed to provide evidence showing that I entered into a contract with your company.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court may also allow punitive damages. 

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

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 explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information 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 non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am banking with Wells Fargo since 2007. I have XXXX businesses as well and all of them are with Wells Fargo. My spouse also have an account with Wells Fargo. 

In total we have XXXX account with them and XXXX of them have my XXXX attached to them. 

I tried to call them today ( XXXX ) to upgrade my account to Premium account as I have considerable deposits with them. 

I was told my account could not be verified as my SSN was incorrect on file. They have mixed my spouse SSN and replace that with mine. NOT sure when it was done as the SSN verification is in person and we have to prove my SSN by presenting the physical card. 

SO it is definitely an issue with their internal IT systems that overwrote my SSN. 

Not because of this I can not make any change to the bank accounts. I asked for a appointment to meet the banker to close this issue as soon as possible. But they dont have anything until for a month and I have to deal with this issue. THIS is not acceptable as its a problem created by them and I believe this is bigger than my problem alone and they are mixing SSN numbers of people. 

I have over XXXX USD worth credit cards with WF across perosnal and business and they are putting the responsibility on my wife if I dont pay.. this is against law and they are not taking care and resolving it quickly. Their solution is to use the mail and resolve it which will take more than 15 20 days and multiple follow ups.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i reached out to EQUIFAX AND XXXX ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP

Company response to consumer: Closed with explanation