vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Sometime ago, I responded to advertisements for bank credit card. Subsequently, I found unauthorized purchases on the card for clothing and XXXX. I contacted the credit card toll free number and spoke to an agent regarding the unauthorized purchases. However, communication difficulties occurred because I had a XXXX and when XXXX I have difficulties in speaking and remembering some details. I also have XXXX issues. The credit card company required me to go to the branch with my identification. I went to the branch which was very helpful trying to resolve any issues that the credit card had. I left assuming that everything was done and resolved. Last week, I had the problem using the card for some purchases online, I called the credit card company and agent was rude and unprofessional and disconnected the call. Today, I went to the branch again to help resolve the issue with my credit card. The credit card company never stated that they required a verbal pass code on my account that was done and any blocks were apparently removed from the card. 
The credit card company never told me that they required a verbal pass code which would allow me to use my card. 
I am very disappointed and frustrated with the credit card issued by the bank they are unwilling to help customers with XXXX and have no knowledge of dealing with people with XXXX  needs. I had to go to the bank twice now to resolve issues with bank credit card. It's difficult for me to go back and forth just to prove who I am.

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 2024-01-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. 
XXXX XXXX XXXX  The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. 
XXXX XXXX XXXX  The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX ( parent company XXXX ) and Wells Fargo partner on a co-branded XXXX XXXX XXXX and run separate websites, both of which have the ability to make autopay settings for credit card payments. I had setup my autopay on XXXX to make payment from a savings account that tends to hold higher cash balances. I did not know that Wells Fargo has a separate website and account on which you can also make autopay settings, and these settings apparently override the autopay settings on XXXX 

On XX/XX/2024, a payment of {$8800.00} was attempted from a different checking account which is only linked to my Wells Fargo account on their website, but not on XXXX XXXX website. As this is a checking account with lower cash balance, I had insufficient funds and the payment was blocked on XX/XX/2024. On the same day, I was hit with a {$180.00} interest charge because of the reversed payment, which was caused by XXXX and Wells Fargo systems ' inability to communicate with each other. 

I manually made payment to Wells Fargo out of a savings account which then successfully cleared my balance on XX/XX/2024. I called Wells Fargo to ask for help reversing this error given the issue with their/XXXX XXXX  systems, but they refuse to reverse the interest charge that was caused by their systems ' miscommunication.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The other day I was looking at my credit report and was shocked to find a number of errors being incorrectly and verifiably reported on my credit. This lack of diligence by the bureaus is incredibly wrong and frustrating and is causing a lot of stress in my day to day life due to the bureaus reporting misinformation without verifying it and without getting my authorization to do so.

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 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: DE

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. Account name : Waterfall Revenue 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
Subject : Complaint Regarding XXXX, Equifax, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Equifax, and XXXX, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : XXXX. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX Equifax XXXX and XXXX. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
Subject : Complaint Regarding XXXX, XXXX, and Experian Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Experian, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : 1. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX XXXX XXXX and Experian. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Multiple accounts still show up that were supposed to be removed a long time ago

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 2024-01-17 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: GA

Complaint narrative:
My information was used to open a fraudulent account, Ive reported this to the company countless times yet they still refuse to remove these fraudulent account from my credit report. This is a violation of my consumer rights and the Fair Credit Reporting Act. These accounts need to be deleted from my credit report immediately.

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 2024-01-17 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: TX

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
To whom it may concern : I am writing to formally dispute information on my credit report, as provided by your agency, under the provisions of Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report : XXXX XXXX XXXX Account Number : XXXX I request that you investigate this matter and correct or delete the disputed information from my credit report in accordance with the FCRA XXXX 

Also, in accordance with FCRA, I am requesting that you remove the address entry obtained to the associated items on my credit report and that you provide me with a written report and all original documentation detailing the results of your investigation and any actions you have taken to rectify the inaccuracies within 30 days from the receipt of this letter.

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 2024-01-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern : I am writing to formally dispute information on my credit report, as provided by your agency, under the provisions of Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report : XXXX XXXX XXXX Account Number : XXXX I request that you investigate this matter and correct or delete the disputed information from my credit report in accordance with the FCRA XXXX 

Also, in accordance with FCRA, I am requesting that you remove the address entry obtained to the associated items on my credit report and that you provide me with a written report and all original documentation detailing the results of your investigation and any actions you have taken to rectify the inaccuracies within 30 days from the receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XX/XX/20 i held for 56 minutes called and asked everything be mailed using USPS since i can no longer afford internet was told it was all set up today i called 1 hr 25 min wait only to be disconnected when i was put on hold to find out why i am not getting bills in the mail. 
i called back and after 42 minutes i am still on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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