vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We were attempting to purchase a golf cart and the person we thought was responsible for selling the golf cart to us requested a {$500.00} deposit. We were skeptical but went ahead and sent the payment anyways. As it turns out this was a scam. I reported this as fraud to JP Morgan Chase and they temporarily refunded the {$500.00} while they investigated it. Then a short time later they debited the money back out of my account. Chase and other banks provide this service to consumers without any accountability or willingness to investigate the fraud to the extent necessary to actually bring charges against the perpetrators. It is maddening that in spite of this user " XXXX XXXX '' having a XXXX account with a XXXX approved bank that they can not or choose not to pursue the individual participating in these fraudulent activities. This happened to us in XXXX or XXXX  and the exact same thing happened. Something has to change - either take the service away entirely or set it up to refund people their money when it's determined they've been defrauded!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I went through my credit profile I seen inquiries that do not belong to me.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX  and XXXX XXXX  reached out for me to pay a debt that was sold to them. I paid this debt settlement amount in full on XX/XX/. The creditor had agreed to delete the tradeline once paid, however this collection still appears open and reporting as unpaid on my account. Unfortunately this lack of accurate reporting has caused denied credit applications for both a car and home. 

Additionally, I disputed this information with the credit agencies and they did not update my report accurately, leading to further adverse credit denials which are severely impacting my life. 

I am requesting XXXX XXXX and XXXX report to the credit agencies immediately that this a count shall be deleted from all reports.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
HALSTED financial and XXXX XXXX reached out for me to pay a debt that was sold to them. I paid this debt settlement amount in full on XX/XX/year>. The creditor had agreed to delete the tradeline once paid, however this collection still appears open and reporting as unpaid on my account. Unfortunately this lack of accurate reporting has caused denied credit applications for both a car and home. 

Additionally, I disputed this information with the credit agencies and they did not update my report accurately, leading to further adverse credit denials which are severely impacting my life. 

I am requesting halsted financial and XXXX report to the credit agencies immediately that this a count shall be deleted from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX I contacted Wells Fargo to un enroll in overdraft protection, I was told it could take 3 business days, Since Im XXXX  XXXX due to vision I only get a SSXXXXI deposit monthly however I was charged over XXXX Overdraft fees, {$35.00} each, meaning the next SSXXXXI deposit more than half will be taken to pay the overdraft fees, when I un enrolled in overdraft protection a month ago, SSXXXXI my only source of income I wont be able to pay my rent or some of my utilities, Im on public assistance as well after my next deposit I will be changing banks

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 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/year> i emailed the required form to cancel my GAP insurance and requested a refund for the GAP Insurance and XXXX package that was purchased with my vehicle. i have called numerous times throughout the year regarding following up and have gotten no response. 
the XXXX package was over {$1000.00} and Gap Insurance was over {$300.00} i have paid interest on these payments for over 6 years. 
Additionally the purchase price for my vehicle was {$19000.00} and somehow there has been a change with a purchase price of over {$26000.00}. 
I would like for my loan account to be audited. 
I requested a payoff cost, the cost quoted exceeds the amount of my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are 2 XXXX XXXX XXXX  showing up on my credit reports. The XXXX XXXX XXXX  that was opened in XXXX is mine. The XXXX XXXX XXXX opened in XXXX is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
There are 2 XXXX XXXX XXXX  showing up on my credit reports. The XXXX XXXX XXXX  that was opened in XXXX is mine. The XXXX XXXX XXXX opened in XXXX is not mine.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: International Computer Systems, Inc.
State: MI

Complaint narrative:
I received a notification from XXXX on XXXX that my credit report had changed and that my score dropped XXXX points. A debt of {$200.00} that was owed to XXXX was sent to the First Collection Services in XX/XX/year>. I contacted the agency ON XXXX and made the FULL payment. 

I never received notification of this debt before it was put on my credit report. 

The first call I made to the agency on XXXX, I talked to XXXX who told me that they called but their policy is not leave messages. She also told me that a letter was sent. 

The second call I made to the agency on XXXX, I talked to XXXX who told me that there was no letter sent notifying me of the debt. She also told me their policy is to NOT leave messages. 

XXXX said that she would talk to her supervisor and for me to call back. 

I called back on XXXX and spoke to XXXX who said they couldn't remove it they could only update that it's been paid. When I questioned her about not being notified about the debt, she repeated the same thing. I then asked to speak with a supervisor. I was transferred to XXXX XXXX. I left a message. 

I never received notification of this debt before it was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently discovered that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these entries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As these accounts and inquiries were the result of unauthorized access to my personal information due to the data breach, I respectfully request that they be immediately blocked and deleted from my credit file in compliance with 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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MADE SEVERAL ATTEMPTS TO CONTACT COMPANY TO CORRECT INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
Subject : Dispute of Unauthorized Hard Inquiry on Credit Report Dear Experian Dispute Department, I am writing to formally dispute a hard inquiry appearing on my credit report dated XX/XX/year>, from XXXX XXXX XXXX. I want to clarify that at no time did I apply for a loan or authorize any such inquiry by XXXX XXXX XXXX. 

Regrettably, I was a victim of identity theft, and I discovered that someone had attempted to use my personal information to access credit products without my authorization. Upon learning of this fraudulent activity, I promptly took action to safeguard my credit profile by locking it. To support my claim, I have enclosed a copy of an Identity Theft Affidavit, which attests to the circumstances surrounding this incident. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I understand that credit reporting agencies are required to block and/or remove information resulting from identity theft once they have received appropriate documentation. As I have provided sufficient evidence of identity theft, I respectfully request that you immediately delete the unauthorized hard inquiry from XXXX XXXX XXXX from my credit report. 

This inquiry is not only inaccurate but also harmful to my credit standing. I trust that Experian will act promptly in accordance with its obligations under the FCRA to rectify this matter. Please confirm in writing once the inquiry has been removed or blocked. Should you require any additional documentation or information, feel free to contact me directly. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: ND

Complaint narrative:
So I recently had a illegal contract made by XXXX XXXX. And I was under guardianship of north dakota and XXXX XXXX, was supposed to have my grandmother 's signature. When the contract was made and they did not have that signature.And i've sent the collection company my guardianship papers because without my grandmother 's authorization, the contract is completely void. I've also told them that i'm an XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX and i've sent them my orders and under the scra I'm protected from being in collections. As i've worked with a collection company and they removed a collection from my account, and all I had to do was provide my orders. And then seven days later, I got an update on my credit account saying that it was deleted. I've been trying to get this account removed off my credit record since it was illegal due to being under conservatorship and two. I'm under the SCRA. And they're still forcing me to pay this debt which is a interference to my mission that I am tasked. 

XXXX XXXX  wasn't even supposed to create that account without my guardianship signature. I have a copy of my conservatorship papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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 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 2024-12-20 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 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 explanation
Consumer complaint received 2024-12-20 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  {$1000.00} was reported as a fraudulent account. The company has closed the card but still appears on all my reports ( XXXX XXXX XXXX ) the card is still getting charges taking my debt ratio higher then it should be. This fraudulent account has not been handled fully and properly and is causing financial hardship. Under 605b this should have been removed over 30 days ago. 

Also XXXX XXXX  {$430.00} This card has been reported twice for the same amount on XXXX and still appears once on my XXXX Also CONSUMER PORTFOLIO {$16000.00} Under 15USC 1692C ( c ) Law I have made several statements to those that have contacted me by phone and mail regarding this. I need the harassment to stop I will not force ownership to this debt, it has Never been mine. This is still on my XXXX Report Please have the companies complete this process. PLEASE, my finances are troubled because of these and causing mental frustrations as well. Please assist. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX {$1000.00} was reported as a fraudulent account. The company has closed the card but still appears on all my reports ( XXXX XXXX XXXX ) the card is still getting charges taking my debt ratio higher then it should be. This fraudulent account has not been handled fully and properly and is causing financial hardship. Under 605b this should have been removed over 30 days ago. 

Also LVNV Funding {$430.00} This card has been reported twice for the same amount on XXXX and still appears once on my XXXX Also XXXX XXXX {$16000.00} Under 15USC 1692C ( c ) Law I have made several statements to those that have contacted me by phone and mail regarding this. I need the harassment to stop I will not force ownership to this debt, it has Never been mine. This is still on my XXXX Report Please have the companies complete this process. PLEASE, my finances are troubled because of these and causing mental frustrations as well. Please assist. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CT

Complaint narrative:
I am filing this complaint to TRANSUNION for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was denied home modification several times over 2 years has the fees built up. had to file Bankruptcy

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 2024-12-20 00:00:00
Product: Credit reporting 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:
I notice on my credit report that an inquiry from dept of education. I would like this deleted from my consumer credit fico report.

Company response to consumer: Closed with non-monetary relief