vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NY

Complaint narrative:
I sold my home in XXXX on XX/XX/XXXX. The new owner took possession of the house a day later on XX/XX/XXXX. A week prior I called all the utilities ( gas, electric, garbage and security system provider ) to cancel all services. I specifically remember sending an email and phone call to XXXX ( my security service provider ) to cancel their service as I had sold my home and was moving out of state. All of their security equipment was left with the house. 
I moved to New York state and purchased a new home on XX/XX/XXXX. Shortly there after I received a letter from XXXX that I owed an additional month payment of {$39.00} for the month of XX/XX/XXXX. I protested this to them but paid it anyway to be done with this situation. In XX/XX/XXXX I received a collection letter from a debt collection service ( XXXX XXXX ) that XXXX sold the debt to requesting a payment of {$790.00} to settle the debt. I refused and XXXX XXXX reported on my credit report as an unpaid debt the only credit reporting service to do so. I sent XXXX  XXXX  supporting documents that I did not owe this debt and it was removed from my credit report. This same debt from XXXX was sold to another debt collector ( XXXX debt } on XX/XX/XXXX demanding {$190.00}. I refused and XXXX XXXX reported it as an uncollected debt. My credit score went from XXXX to XXXX. I made several attempt with XXXX XXXX to have this negative report removed by sending in many supporting documents as before however they will only note on my credit report that it is " disputed ''. No other credit reporting agency has this negative item on my credit report. I would like your help in trying to remove this negative information as I have a long history of paying my financial obligations in full and on time as my credit history shows.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: MO

Complaint narrative:
15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1100.00} ) XXXX XXXX ( XX/XX/XXXX AMOUNT {$11000.00} ) XXXX XXXX XXXX ( XX/XX/XXXX {$1400.00} ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1200.00} XXXX ( XX/XX/XXXX AMOUNT PAID/CLOSED ) XXXX ( XX/XX/XXXX AMOUNT {$1400.00} ) XXXX XXXX XXXX XX/XX/XXXX, {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of XXXX my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXX XXXX, XXXX A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF XXXX  15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805

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 2023-12-11 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: NJ

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Trying to purchase a home realizing I have damages on my credit report XXXX XXXX XXXX. Is a collection agency. The original company sold my debt which is now in collections and this company is reporting late payments every month and there not the original owners of the debt can be a collection agency and still reporting late payments this is defamation to my character. 15 usc 1681 law 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 2023-12-11 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I have made multiple payments to my Apple Card, and they are withholding my funds. They will not release them to me although the Money has been taken from my account. They said they can not reverse the charge. I paid a bill on XXXX ( then made multiple payments as i had no available balance and was confused ) then was told that my funds will not be released to my card until XX/XX/19. I have asked to speak to management with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Received a {$700.00} American Express Reward Card from employer. Attempted to use online at 3 different merchants. Called Amex multiple times. Each time I'm told card is in a 24 hour waiting period - Or I need to use the card where Amex is accepted. I tried using card with XXXX. XXXX was declined. Amex won't help. Simply says I need to wait 24 hours. Individual stores won't help, say I need to call Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXXXXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had fraud on my checking account where someone spent {$360.00} over multiple transactions. I submitted a fraud claim with Wells Fargo on XX/XX/XXXX and today XX/XX/XXXX I received a notification that they denied my fraud claim. I called and tried to appeal, but they said there was nothing they could do. The transactions were international from XXXX when I had just spent money in Arizona less than 2 hours before the 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 2023-12-11 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: IL

Complaint narrative:
I recently checked my credit report and noticed unauthorized accounts on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I received an email from XXXX stating someone had purchased a XXXX XXXX on my account. Hadnt used XXXX in over 10 years. I didnt respond to the number in the email I went on XXXX and looked up how to report fraud on XXXX . I called the number on XXXX and told them about the email and that I hadnt used XXXX in years.He informed me that there were two other charges on my account, one in Texas and one in Ohio.He said I would have to pay the charges and then they would refund my money.He explained the other purchase for the XXXX XXXXXXXX was the most important because it was bought in my name and Im liable for anything that happens with it.He then had me down load an app on my phone called XXXX and that would help him secure my account .After I did that he had me go to my Wells Fargo app and had me add my debit card to PayPal.Then he had me transfer money to my XXXX XXXX account. I tried and the first two times my card was denied but the third time it went through.I still have that {$190.00} in my XXXX  account.Then he had me buy two gift cards from XXXX and send them to myself, XXXX canceled the transaction because of fraud .Then he had me XXXX money to XXXX XXXX XXXX and that wouldnt go through so he had me send {$500.00} to XXXX and that went through. I was getting suspicious at this point but I was tired and had missed my medication so I kept going.He kept assuring me that these transactions would all be reversed 10 to 15 minutes after we finished.He had me go back to my Wells Fargo app and activate wire transfers.He had me wire {$3600.00} to XXXX XXXX Ebersole.After this was done he said everything would be back in my account in 10 to 15 minutes.He asked me to keep the app on and he would call back in 15 minutes .I had been on the phone with him for 5 hours.I called my bank as soon as he hung up and they informed me it was a fraud.While I was on the phone with the bank filing a claim I deleted the app.While I was on the phone with the bank I had over 10 missed calls from him on all different numbers.It took an hour and a half to do the claim.She cancelled the XXXX for {$500.00} and said the wire transfer was still pending and it would stay like that for a couple days.She said the claim would take 7 to 10 days.When I got off the phone with her the guy kept calling on different numbers until XXXX.I answered once and he wanted me to put the app back in which I declined.The original number I called was XXXX and the website was taken down 3 days later.I have screenshots of the website and the transactions if needed

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC
State: GA

Complaint narrative:
I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ga XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: GA

Complaint narrative:
I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-12-11 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: VA

Complaint narrative:
Subject : Urgent Resolution Needed : Correcting FCRA Violations in My Credit Report Dear Equifax, I trust this message finds you well. I am reaching out urgently to address significant discrepancies in my credit report that directly conflict with the guidelines stipulated by the Fair Credit Reporting Act ( FCRA ). Following a thorough review of my credit profile, it has become apparent that multiple errors persist, indicating a notable oversight of FCRA regulations within your agency. 

Key Highlights : The Fair Credit Reporting Act stands as a fundamental federal statute governing the accurate acquisition, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case comprise : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security numbers. 
Agencies failing to adhere to prescribed dispute handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used in credit applications or other transactions against me. 
Dispute and demand the correction of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they distinctly breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 This address is not correct. Delete it immediately from my report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

I urge prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply may necessitate exploring legal options to ensure my rights under the FCRA are vigilantly upheld. 

Thank you sincerely for your immediate attention to this pressing matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I am currently rewriting my complaint with XXXXHARLEY DAVIDSON CR concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. 
XXXX/HARLEY DAVIDSON CR claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
I am a natural person, I am a living human being.

Equifax is governed by 15 USC 1681 and have continued to violate my rights. This company has also received action by CFPB for its fraudulent practices and misreporting of consumer information. Equifax continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX in the amount of $ XXXX that is misreported on my file. This account XXXX must be removed from my Credit report and Equifax held financially accountable for their false reporting of information.

Company response to consumer: Closed with non-monetary relief