vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Credit reporting agency has several items on my personal information section that are not mine or are not related to me. This includes several Social Security numbers that are not mine, several addresses that are not mine, or, are not my current address. 
Under the FCRA the reporting agency is required to provide accurate information and therefore, will report accurate information by removing any information that does not belong to me as well as any credit records and accounts that do not belong to me or are not related to me. 
I have attempted to resolve these inaccuracies with Experian several times in the past, there was no action taken on their behalf.

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My Wells Fargo visa card balance was {$540.00} on XX/XX/XXXX. I have a reoccurring loan payment that a portion of goes to my " Wells Fargo '' visa* card which is my overdraft account after my " Way to Save '' account. " WF offers early direct deposit and my checks are usually in my account Wednesday or Thursday of every week. I pay that overdraft fee from my checking account on the 9th day of every month if necessary. On XX/XX/XXXX, I viewed my activity on my checking account and noted my loan payment of {$270.00} and a " XXXX '' XXXX XXXX payment in overdraft on my Visa card. As usual, I went to my online account on XXXX XXXX XXXX XXXX XXXX XXXX  and viewed my direct deposits ; XXXX XXXX weekly deposit of {$420.00} and XXXX bi-weekly deposit of {$830.00} in my checking account., I paid {$400.00} to the visa* card, {$100.00} to my " Wells Fargo , Bilt '' card, and transferred $ XXXX savings My remaining balance was {$330.00}. On XX/XX/XXXX I paid another {$50.00} my balance was still {$540.00} hours later I had a cash advance of {$950.00} on my credit card and my checking had over XXXX in it savings was $ XXXX disputed. My savings was restored. The credit balance went to {$1100.00}, and .later the interest was removed. My credit score is XXXX pts. I was told I would not be charged interest on the unauthorize cash advance.

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 2023-04-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NJ

Complaint narrative:
There are a number of unauthorized hard credit inquiries on my credit reports. I did not make these inquiries. I have reached out to the credit reporting agency, as well as the companies, reporting the inquiry and have not been successful.. they each tell me I have to call the other to have the inquiries removed and I get nowhere.

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 2023-04-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a number of unauthorized hard credit inquiries on my credit reports. I did not make these inquiries. I have reached out to the credit reporting agency, as well as the companies, reporting the inquiry and have not been successful.. they each tell me I have to call the other to have the inquiries removed and I get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: NC

Complaint narrative:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-04-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A Clearly states that's I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer agency can not furnish an account without my written permissions.

15 U.S.C 16666B A Creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several of laws under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Creditor Name : XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/23 Action : When contacting Equifax to remove unauthorized inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: DE

Complaint narrative:
To whom this XXXX concern at Transunion, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse JXXXX account number XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an huge problem ok I'm on this program an I know my thoughts correctly an fars as I'm concerned I'm supposed to get paid for identity theft ok now I have told these people NUMBEROUS TIMES about resolving this situation an it's still not fixed now I don't want to get ugly in any situation but if I'm supposed to get my payment I should of been got or received a check in the mail by law now what is the problem I need some answers immediately I'm done with all the waiting I'm not getting any questions answered my identity is being stolen people constantly using my name for things I still ain't got anything disputed my credit score is below XXXX now come on now I deserve some kind of JUSTICE HERE PLEASE

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My identity has been compromised since the year XXXX. The thieves used my stolen information to open a credit card with JPMCB. I found out about this situation in XX/XX/XXXX after receiving several credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, after reviewing my credit report is when I become aware of this credit card account along with others that I didn't authorize. This situation is a major inconvenience and has significantly hindered my ability to obtain credit. I've attempted to dispute this account numerous times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've tried to open a credit card to build my credit score. Unfortunately, I made a mistake in my personal information, which may be why my requests have been declined. 

On the XXXX of XXXX, I completed and submitted the XXXX form for Alien 's Change of Address Card. However, when I was opening a XXXX  checking account, they told me to use the old address as a proof address, since then I have been using my old address as per their instruction when I was applying for a credit card, and I think this confusion has to be a reason why my applications for a credit card were declined ( except XXXX credit card, it was approved ). 

XX/XX/2023 XXXX XXXX  XX/XX/2023 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  application for business credit card

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 2023-04-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am contacting you regarding Experian reporting practices and how I have been ignored. I have sent countless documents, such as my DL license, FTC reports and more and nothing has been done. I have been a part of several of their data breaches, and also sent identity theft documents police reports, affidavits, you name it. It's like their tactic to wear the consumer down to the point where you become exhausted. I have called them, submitted everything they could ask for and now they ignore my request. I need your help to have those erroneous items removed. I have asked for validation of debts and more and no response. I have attached my DL license once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX  XXXX # XXXX ; XXXX  # XXXX XXXX XXXX XXXX  # XXXX and # XXXX ; XXXX ; Dept of Ed/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  ; XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has XXXX 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 an account without my written instructions. B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: NY

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}

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 2023-05-01 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: SC

Complaint narrative:
I am writing to file a complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted XXXX to dispute the following inaccurate information on my credit report. Despite my efforts, to this date, I have not received a response or resolution from them. 
I am requesting the immediate correction of the following errors on my credit report : The account with XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$170.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$260.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ) is not mine. Please remove it from my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00}, Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX  ) is not mine. Please remove it from 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 non-monetary relief
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the following inaccurate information on my Equifax credit report, which I originally reported to Equifax on XX/XX/XXXX The account XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$260.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$170.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$790.00} ) is not mine. Please remove it from my credit report. 

The account XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXXXXXX XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00} ) is not mine. Please remove it from my credit report. 

The account XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX  XXXX XXXX XXXX XXXX ) is not mine. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to you to request validation of the debt that has been reported to my credit report by XXXX XXXX. I have not received any communication from XXXX XXXX that validates this debt, and I am requesting that you provide me with validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, I have the right to request validation of the debt and request that the debt be removed if it is found to be invalid. As such, I am requesting that you provide me with documentation that verifies the debt 's existence, the amount of the debt, and its validity. 

I request that you provide me with the following information : The name and address of the original creditor. 
The original account number. 
The amount of the debt, including any interest and fees. 
A statement that validates the debt, or proof of my agreement to the debt. 
If you can not provide me with this information, I request that you remove the debt from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. 

Please respond to this request in writing within 30 days of receiving this letter. If I do not receive a response from you within this timeframe, I will assume that you are unable to verify the debt 's validity, and I will request that you remove it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation