vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a XXXX XXXX miles and More card that that was lost. I called to cancel the card and request a new one. they said that they did this but it would take at least 2 weeks to receive my card. I paid my bill in full and waited but a card never came. I called again they apologized for the mistake and said they would send the new card out. this card I also never received. 

Then I received a notification that my payment was late for this card. I thought it was strange since I had still not received my replacement card. The company had charged me for an annual fee but still had not sent me the replacement card. I called and said I want to cancel the card since they had not done what they had promised and the call center assured me that they would waive the fee and apologized for the inconvenience. 

When I received a late payment on my record and still hadn't received my card I called again and informed the XXXX XXXX call center to cancel the card and inform them that it was in violation of the terms and conditions of the account to charge me the account fee when over the course of 4 months they had still not supplied me with the card I can use. not even a digital wallet card. 

They agreed and informed me that the contract would be terminated. 

for 6 successive months I received notifications of non payment until finally XXXX XXXX held up to what they promised and canceled the balance and the card. 

However, the notifications of late payment have stayed on my record and dropped my score more than 100pts. 

I want them removed and my score restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I asked the debt collector to provide proof from the original creditor that the debt collector owns the debt and has the legal authority to collect this debt or to remove the collection account. I have not receive any written correspondence and the representative are rude and aggressive and not willing to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative XXXX XXXX Balance Owed {$0.00} XXXXXXXX XXXXXXXX Balance Owed $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A charge off is considered a certificate of indebtedness which means it is income and must be removed. I request that Account XXXX reported by XXXX XXXX XXXX be removed immediately from my Experian Credit Report. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I request Experians assistance in deleting the the charged-off account associated with my account. 
Per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. Exeperian reporting this adverse information furnished by XXXX XXXX XXXX is NOT a record of conviction or crime that antedate the report by more than 7 years therefore Experian is in violation of my rights under the Fair Credit Reporting Act 15 USC 1681 and the Privacy Act of 1974. No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports, this is another violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been building my credit and paying my card on time for the past 4 years with capital one. I have 2 accounts with them one platinum and one quick silver. I have encountered identity theft and there has been 2 accounts that I did not authorize to make payments on my behalf nor have any relation to. I have called both bank accounts to submit a letter to capital one stating that i do not have any accounts with them. I only have a small credit limit as I'm building my credit up and to have multiple fraudulent payments and multiple bounces on an account I do not have access to why was I not alerted of any of this going on. This happened for 2 months XXXX through XXXX. 
I have called and reported the fraud, they sent out a new card but then closed my account with no explanation and no investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC.
State: NV

Complaint narrative:
A personal loan application was submitted online with a fake email and my personal information. The loan request was for {$3900.00}. It was approved for {$2500.00} with 18 monthly payments of {$230.00}. When Sun Loan called trying to collect, I did not provide them the information as I thought it was a scam. I did call Sun Loan after looking them up regarding a loan that was approved online and without my signature. They would not provide me any other details on the loan other than it was approved and dispersed online. 

We discovered on XX/XX/2023, that my credit was compromised. We were leasing a car at XXXX XXXX in XXXX, NV when we were informed by the Finance Manager about the delinquency. I filled out paperwork to file with the XXXX Police Department but was told to file with the FBI. Additionally, we are filing a complaint with the Nevada Attorney General. 

Loan Company Info : Sun Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a XXXX veteran. I have a VA home loan with Wells Fargo. Since XXXX I have been trying to get a modification. In XXXX I had to hire an attorney to fight the foreclosure process with Wells Fargo. I have spoken to the VA and I qualify for the XXXX extended modification because I fell behind due to XXXX XXXX and lasting health issues. My attorneys, the VA, and myself have been fighting this. It is now going on year 3 of this battle. Welds Fargo has denied me any modification options and suggested a short sale of my home before a judgement for foreclosure is granted. Va has informed me that Wells Fargo has never even submitted the paperwork for the Covid extended modification that I qualify for. My income is not an issue because I make enough financial for my mortgage and other bills with staying well on the positive side at the end of the month. I have submitted everything from bank statements, work absence, FMLA paperwork, and everything they have asked for sometimes repeatedly. I dont know where else to turn to get Wells Fargo and their underwriters to do their jobs following the guidelines set. It seems as though whatever fines they received did not change their practices. This process is only adding to the stress of the health issues I already have. I feel as though they simply want to take my home. I have been in my home since XXXX. I am fighting so hard to keep a roof over my childrens head and save our home. I dont know where else to turn. Can some one please help me before I lose my home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: MD

Complaint narrative:
It has been discovered in my research with 3 credit bureaus, the law 15 USC 1681 section 602 -604 and XXXX that violates citizens privacy rights. XXXX XXXX XXXX and others are reporting false inaccuracies into my privacy rights during times where Ive placed freeze holds on all 3 credit reports bureaus. I have never given authorization or consent to share private information for these business owners. End excessive marketing my good name for promotional purposes content i.e. advertising investors, traders insurance brokers like XXXX XXXX etc. Its against the law for them claiming false narratives that affected my credit reports as well as dropping the score via XXXX XXXX XXXX score propriety. This is a violation of civil rights. These people caused distress affecting my reputation and disrespected my liberties in retirement. XXXX XXXX XXXX and Experian credit match made inaccurate statements to creditors banks lenders that resulted in damaging credit files exposing number of days delinquency when payments were on time ; and too few accounts currently paid as agreed ; length of time revolving 2 accounts balances late payments w/XXXX XXXX derogatory events ; bankruptcy information ; delayed scheduled payments, retail utilization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: MD

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. 

has violated my rights. Or a list of inquiries : 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 2024-03-19 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: MD

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. 

has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Dear Early Warnings LLC, I am writing to formally request the pulling of my consumer report. Please find below the necessary details for processing : Name : XXXX Date of Birth : XX/XX/1987 Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX I understand that this request may take some time to process, but I kindly ask for your prompt attention to this matter. Please inform me of any additional steps or documentation required from my end. To send a copy to my email, my email is XXXX. 

Thank you for your assistance in this matter. If you require any further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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