vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello I have not received a reply from my multiple requests for information and dispute appeals. In addition my most recent claim # XXXX disputing charges that XXXX agreed to refund has been denied after I provided written documentation that XXXX agreed to the refund and Wells Fargo failed to process the refund and apply the credit to my account. 

Please explain the reason my credit card associated with the multiple disputes has been closed or suspended without communicating with me and I have an XXXX XXXX XXXX as of XX/XX/2024? This appears to be retaliation since I have not received a response to my multiple requests to reopen the disputed claims and provide the merchant documentation used to support your decisions. The request and option to file an appeal is an available option to me as a consumer utilizing a Wells Fargo credit product for purchases. 

Please reopen the dispute under a formal appeal and reference all previous provided information including the proof of the hate crime committed by the XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX 

In addition please email all documents reviewed and provide by XXXX in regards to the the dispute. 

( XXXX ) Dispute Claim # XXXX {$110.00} ( XXXX ) Dispute Claim # XXXX {$7000.00} ( XXXX ) Dispute Claim # XXXX {$3900.00} ( XXXX ) Dispute Claim # XXXX {$9000.00} ( XXXX ) Dispute Claim # XXXX {$6400.00} ( XXXX ) Dispute Claim # XXXX {$50.00} ( XXXX ) Dispute Claim # XXXX {$950.00} ( XXXX ) Dispute Claim # XXXX {$3800.00} ( XXXX ) Dispute Claim # XXXX {$3000.00} ( XXXX ) Dispute Claim # XXXX {$3000.00} & {$16000.00} ( XXXX ) Dispute Claim # XXXX {$460.00} ( XXXX ) Dispute Claim # XXXX {$130.00} ( XXXX ) Dispute Claim # XXXX {$31.00} ( XXXX ) Unable to Address with Dispute {$75.00} XX/XX/2024 ( XXXX ) Unable to Address with Dispute {$25.00} XX/XX/2024

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 2024-04-10 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-10 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
{$6300.00} is an incorrectly reported amount owed by XXXX. It purposely shows an amount OVER our credit limit and this has been on credit report incorrectly for 6 years and 6 months. We know its about to drop off in XXXX we want to make note in our credit report of the fraud involved from unscrupulous sales department where WE TRIED TO CANCEL purchase within their specified timeframe but because it was a XXXX company doing business as an American company we NEVER used the credit card for any purchases. This has made our credit rating under rated for almost 10 years as their date wasnt reported correctly but only started AFTER we complained and reported it 6 years and 6 months ago. Extreme illegal activity that we disputed unsuccessfully many times without hiring legal help as we couldnt afford. Please remove this from my credit report. Im XXXX and want NO MORE CREDIT anyway but businesses such as XXXX with salespeople with XXXX INTEGRITY need to be restrained and punished for such illegal activities. Please help.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2024-04-10 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: FL

Complaint narrative:
Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards 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 2024-04-10 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: Regional Management Corporation
State: GA

Complaint narrative:
I was contacted by XXXX back in XXXX via phone about wanting a full payment or arrangement immediately for {$1600.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They let me know they had acquired my Regional Finance account, which I hadn't heard anything from anyone in years about, telling me they're going to start garnishing my wages if they don't get their money and arrange something. I never knew or gave permission for my information or account to be sold off. 
according to 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communications. In reporting to my consumer report, that's a form of communication and also I never knew or provided permissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Request to Remove Incorrect Account Status on XXXX and XXXX Dear Sir or Madam, I am writing to dispute the reporting of my credit account status by your organization to XXXX and XXXX. 
According to my records and credit report obtained from XXXX, the account status for my account ( Account XXXX : XXXX ) is reported correctly as 'Paid on time, never late '. 
However, it has come to my attention that the same account is reported incorrectly on the XXXX and XXXX credit reports. 
I kindly request that you update the status of my account with XXXX and XXXX to reflect the accurate status as follows : 'Paid on time, never late ', which is consistent with the information on XXXX. 
Below is my personal information for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/2002 Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I am including a copy of the XXXX credit report that shows the accurate account status. Please investigate this matter and correct the reporting as soon as possible. 
Thank you for your attention to this matter. I expect this issue to be resolved and an updated credit report from both XXXX and XXXX within XXXX  days of receipt of this letter. 
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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX all attempts. 
Asking for validation of amount owed, correct date of account. The date is wrong. The collection agency is stating this was opened in XXXX when I have had the same insurance for many years. The credit reporting company comes back with all information has been verified, without anything I has asked for multiple times. This goes agonist the FCRA section1681s-2 ( b ), a consumer must : Alert the credit reporting agency ( or CRA ) of a dispute regarding the allegedly erroneous information that it reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
Beginning in XX/XX/XXXX, I noticed a collection account on my XXXX credit report from Professional Finance Company, regarding XXXX XXXX. I have never been a patient of " XXXX '', now owned by XXXX. The account number provided within my XXXX credit report is XXXX, for a charge of {$3200.00}, with a date of XX/XX/XXXX. At no time in XXXX of XXXX, or in the years XXXX, XXXX, XXXX, XXXX and XXXX have I been to ANY hospital to receive ANY medical treatment. On XX/XX/XXXX, I sent a letter to Professional Finance Company at XXXX XXXX XXXX XXXX XXXX XXXX containing an Identity Theft Report, an Identity Theft Report Debt Collector Letter and a Notice to Furnishers. I provided a copy of my government issued drivers license as proof of identity. Professional Finance Company failed to respond. I resent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX. I have never even received a collection notice from Professional Finance Company and in violation of clearly established case law, Professional Finance Company has failed to respond to each and every letter. Each failure to respond is a violation of federal and state law, and clearly established case law. This is and will be my last attempt before litigation to resolve this matter amicably. The original FTC Identity Theft Report Number is : XXXX. The lack of willingness to respond is very concerning and makes clear there is a high probability that Professional Finance Company could be in possession of medical information, in violation of HIPPA laws. Furthermore, Professional Finance Company is reporting inaccurate information to XXXX, such as listing the account as " open '' instead of closed. Professional Finance Company also does not provide a " closed '' date as a collection company is required to provide. Please see the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: SC

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Unauthorized Hard Inquiries by XXXX XXXX and XXXX on Experian Credit Report Dear Sir/Madam , I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding fraudulent and unauthorized hard inquiries on my Experian credit report. On XX/XX/2024, I discovered unauthorized inquiries made by both XXXX XXXX and XXXX, which have adversely affected my credit score and financial standing. As a resident of South Carolina, I am cognizant of the credit laws both at the state and national levels that safeguard consumers from such unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ) and South Carolinas consumer protection laws, consumers have the right to dispute inaccurate information on their credit reports and have it rectified or removed promptly. The unauthorized hard inquiries conducted by both XXXX XXXX and XXXX not only contravene these established consumer protection laws but also erode the trust and reliability of the credit reporting system. It is imperative that immediate action is taken to rectify these incidents and expunge the unauthorized inquiries from my Experian credit report. I request that the Consumer Financial Protection Bureau intervenes on my behalf to ensure that both XXXX XXXX and XXXX adhere to all pertinent laws and regulations and take prompt action to remove the unauthorized inquiries from my credit report. Additionally, I expect comprehensive written explanations from both entities regarding the unauthorized inquiries and demand that appropriate measures be implemented to prevent future occurrences. Please give this formal complaint your utmost attention and expedite the resolution process, as the integrity of my credit report and financial stability are in jeopardy. I appreciate your prompt assistance in addressing this 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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
A check from XXXX XXXX XXXX XXXX was made out to XXXX XXXX XXXX of XXXX, XXXX  Re : XXXX XXXX XXXX for a vehicle purchase. XXXX XXXX XXXX, who resides in XXXX, Texas was able to deposit a check for {$30000.00} into his account at a Chase Bank in XXXX XXXX, Florida. The check was not addressed to XXXX XXXX and he is not a employee of XXXX XXXX XXXX. Chase told me that they have a XXXX week clearing policy, so I am baffled how he was able to cash a check that he is not authorized to negotiate. Chase has not been able to provide a clear explanation as to how this happened. I have talked with the dealership on the check and they have confirmed that they don't have a banking relationship with Chase nor do they have any knowledge of XXXX XXXX. 

Chase refuses to give me any information, when clearly a grave mistake in policy and verification has occurred on their part. I spoke with the XXXX XXXX department of Chase to XXXX and he instructed to me to have law enforcement to call and they could get more information. He went on to say he couldn't find the check and or an account with XXXX XXXX XXXX. This has absolutely devastated me financially. I couldn't get a mortgage for my first home, my credit is ruined and I have to pay thousands of dollars for a debt that is not mine for a car I do not have.

Company response to consumer: Closed with explanation