vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: MD

Complaint narrative:
It has come to my attention upon checking my consumer report that inaccurate information has been furnished. Per the FCRA as a federally protected consumer I have the right to accuracy [ 15 USC 1681e ( b ) ], as well as privacy according to the Privacy Act of 1974, and the option to opt out of any reporting on my consumer report [ 15 USC 6802 ( b ), 16 CFR 313.1, 16 CFR 313.7. ] My rights have been violated. My closed account with XXXX XXXX XXXX  is reported as charged off inXX/XX/XXXX my consumer report. A charge off is considered a certificate of indebtedness which is INCOME.

Income does not get reported on the consumer report which in fact makes the reporting of this account inaccurate! It is prohibited by law to have inaccurate information on your consumer report and this information is indeed inaccurate.

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The continued reporting of this inaccurate information is a clear violation of the law. 

In addition to this inaccuracy, this charge off report of this account is only showing as such on to one consumer reporting agency and still showing as an open account on the others as XX/XX/XXXX The balance on each report is different also. On one consumer report it states a {$20000.00} balance versus a {$20000.00} on the others. This is another inaccurate reporting and must be removed from my credit profile! 

This has caused me and my family severe harm due to this negligence and inaccurate reporting. This has caused damage to my reputation, my character, and my general mode of living and my ability to obtain credit for personal and house purposes. 

I am now opting out of any and all authorizations that I, the consumer, may have given you written or non-written, verbal or non-verbal for the reporting of this closed XXXX XXXX XXXX account from the date the account opened until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo failed to invedtigate my ckaim losed the claim only XXXX XXXX dYs never closed my account and i was robbed of over {$97000.00}. From my boyfriend of 17 yrs left me after he died. Wells fsrgo never allerted me when tbis money was being taken oyt of my account. Balance was checked over 2 bours away from where i lived. In the city of XXXX XXXX i lived in XXXX ca. They were rude and didd not wNt to help me. Then all my money was gone {$140000.00} in 1 and a half months. Neef help got police report and all tje documents XXXX XXXX  lick has it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Around XX/XX/2023 I reached out to Equifax regarding an address change. After speaking with them, changes were made to my account, causing my score to drop over XXXX points. Most of the items that were showing were unable to be disputed as once I would go to the dispute center those items weren't on my report, yet they were impacting my score. I have made numerous calls, closed my online account and opened a new one and this has not been resolved. There is nothing I can see on my report that would lower my score to what is showing. Whenever I call I get someone in another country reading a script who is unable to resolve my issue and only transfer me from person to person with no resolution. Cases have been created with no follow-up and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I traveled to XXXX in XX/XX/year> and returned in XXXX. I used my USAA Credit Card to purchase an upgraded seat on my return flight on XXXX XXXX. The seat I paid for was broken, uncomfortable, and would not recline for a XXXX flight. I attempted to resolve this with XXXX XXXX and they would not issue a refund. I disputed the charge with USAA and they closed my complaint without contacting me. I was then told to write a letter describing what happened and they would re-open my dispute. The dispute was never re-opened and all I got was a notice saying the letter wasn't good enough without them ever advising what else they needed or giving me time to provide anything before just dismissing my dispute.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: LA

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am not liable for this debt of {$2900.00} with XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract with my wet signature and ID verification. 

Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
XXXX this account showes closed on my credit report and it dosent belong to me it belong to someone who has same name in the familly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFO for XXXX XXXX XXXX XXXX received payment for all the account stated below. 


XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending XXXX Consumer loan-ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: 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.

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 2024-02-07 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX -- XX/XX/XXXX No response XXXX. XXXX XXXXXXXX -- XX/XX/XXXX No response XXXX. XXXX XXXX XXXX -- XX/XX/XXXX Send letter XXXX. XXXX -- XX/XX/XXXX Call no response XXXX. XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX to my wife. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX to my wife. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Going to court XXXX. XXXX XXXX -- XXXX Close the count XXXX. XXXX XXXX XXXX -- XX/XX/XXXX XXXX the Countdown. 
XXXX. XXXXXXXX XXXX XXXX XXXX -- XXXX Close the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX and XXXX theft. I had no knowledge of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company.

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that XXXX is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit. 


In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home lending refuses to show the reversals the misapplied payments by them. 
Here is a {$300.00} payment proof in their papers it took 4 months to apply to ESCROW Proof of Planet blaming prior server it was thier fault.Proof it was PLANET USING MY LOAN TO PAYMENTS FOR TAXES .Planet put as prinicipal curtailment OTHER SAME ACCOUNTING shows in this attachment. At what point do I get Planet Home lending to stop LYING? Here is proof PLANET REFUSES TO TAKE A {$650.00} REFUND FROM XXXX XXXXXXXX XXXX cashed by XXXX ON XXXX proof from XXXX XXXX XXXX .I did not get it minused from TAXES PAID BY XXXX  who told CFPB they would forward any more refunds after I SUPPLIED PROOF from XXXX XXXXXXXX XXXX they did not pay what they said they paid ALONG WITH PLANET NOT CREDITING THE BOGUS ESCROW ACCOUNT THAT the refunds and my payments Showed XXXX owed me {$1700.00} + $ XXXX= {$2400.00} -- {$700.00} BY XXXX left {$1700.00} ( refund of {$650.00} ) XXXX  knew was mailed to them and they mailed it back see letters from tax office finally cashed XX/XX/XXXX letter attachedleft {$1100.00}. I paid + {$760.00} XX/XX/XXXX + I paid {$380.00} to Planet XX/XX/XXXX see the demand letter saying i was seriousley behind close to forclouser Amount took care of {$1100.00} meant XXXX  OWED ME {$37.00} ADD THE OTHER Refund XXXX  received {$54.00} XXXX XXXX XXXX = {$92.00} owed to me.I NEVER missed one payment see letter and proof in attachment which .Planet would show no escrow then redirect same payments NOT DEDUCTING FROM ESCOW UNTIL XX/XX/XXXX NEVER SHOWING A REAL ACCOUNTING in the FAKE ANSWER SAYS MY ESCROW ACCOUNT IS NOW {$410.00} ON THE ONLINE I CAN NOT GET info what i pulled up in HISTORY DOES NOT MATCH THE ACCOUNTING I JUST SENT YOU! 
this is SERIOUS PLANET NOW HAS STARTED THE SAME THING AGAIN I AM AFRAID TO PAY MY TAXES LIKE IN XXXX I GOT BACK {$700.00} IN REFUNDS XXXX  GOT BACK {$1300.00} I PAID AGAIN TO PLANET XXXX  XXXX ANOTHER {$1.00}, XXXX WITH {$480.00} REVERSAL FROM investor with {$310.00} so many charges some reversed NO WAY TO HIT BOTTOM WITHOUT A REAL AUDIT ... ..NOT BY PLANET XXXX  even put on XXXX XXXX to the IRS THEY paid {$2000.00} ( EXACT ILL HAVE TO send to you.When they refused to accept the {$650.00} refund sent back to XXXX XXXX who resent it again Finally cashed XX/XX/XXXX almost 2 years later.I still do not have it credited to my escrow account.Planet says in the response .XXXX  PAID {$1700.00} XX/XX/XXXX + {$750.00} {$2400.00} ( ACCEPT REFUNDS ) {$700.00} NO MENTION of the misdirected {$300.00} took from XX/XX/XXXX to XX/XX/XXXX to BE APPLIED three diffrent ways planet applied the payment.Used it as a princinpal curtailment ALONG WITH OTHER PAYMENTS TO LATER WHEN I COMPLAINED TO CFPB they reversed some of it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the + XXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( 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 ( i ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation