vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: MO

Complaint narrative:
They continue to say my account is late when its not and I have proof that its been paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NJ

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-07 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: Experian Information Solutions Inc.
State: NJ

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called on several occasions and requested the trustee and indentured trustee information and a copy of the entire indenture including all supplements or where I could find it and I was told they did not have this information for my account. I am requesting that they provide me this information.

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 2023-09-07 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: FL

Complaint narrative:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2023-09-07 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: FL

Complaint narrative:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CT

Complaint narrative:
I made a payment to one of my loans on XX/XX/2023. When I made the payment, the balance was {$3500.00}. I made a {$2000.00} payment. I received a confirmation email with a confirmation number. This is the only record I have of this payment as it is still not reflected on the servicer 's website under my account. On XX/XX/2023, the {$2000.00} payment debited from my checking account. Days later, my servicer claimed in my account history that a " customer refund '' in the amount of {$2000.00} was credited to my account on the same day my loans had been disbursed, XX/XX/2023. After this, the balance of the loan I made the payment on was {$1400.00} If this was the balance on XX/XX/2023 when I initialized the payment, I would not have been able to pay {$2000.00}, as the balance was lower than that. I have not been able to get ahold of my servicer through email, live chat, or phone. There is no record of my payment on the servicer 's website. In the meantime, I am out {$2000.00} and my loans are accruing interest that they should not be. Today I was put into a call back queue when I tried to call their customer service line. After several hours I finally received acall just to have the representative disconnect the callbefore I could even address the issue. They claimed they were " pulling up their system '' and then the line disconnected. I called back and was placed back in the queue at XXXX. I never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

XXXX XXXX XXXX pulled my credit on XX/XX/2023 and I did not authorize this inquiry. This is a fraudulent inquiry. 

This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy.

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 2023-09-07 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Method Of Verication Dear Experian, RE : I am requesting the Method of Verication for the following item : XXXX XXXX XXXXXXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verication where the following items should be provided to ensure the validity of the item ( s ). Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they veried the dispute with 4. The documentation used to verify the dispute I am anticipating a timely response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage. 

Thank you, 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi my issue is someone applied for several unauthorized accounts in my name XXXX  being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2023 my automatic withdrawal for the minimum payment of {$20.00} came out of my checking account to pay my Capital One credit card. On XX/XX/2023 another automatic payment of {$25.00} was cancelled by Capital One and I was charged a {$25.00} late fee that same day. On XX/XX/2023 I spoke to a representative to resolve the issue and was told he could not do anything about the late fee or reverse it due to the system. I requested to speak to a supervisor and spoke to the supervisor who proceeded to tell me that he could not wave the late fee because they received my payment on XX/XX/2023. Neither representative explained why I was charged a late fee. Upon further investigation it was found that Capital One 's automatic payment system is not correctly withdrawing the minimum payment. It took out {$20.00} instead of the increased amount of {$40.00}. My payment is automatically withdrawn from my checking account every month for the minimum payment on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the account information being reported by Discover Bank ( Account Number : XXXXXXXX  ) on my credit reports with your credit bureau. I have carefully reviewed my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of this account. The discrepancies in reporting dates between the three credit bureaus have raised concerns about the accuracy of this information. 

Here are the details of the discrepancies : XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 These inconsistencies in reporting dates for the same account with Discover Bank are a cause for concern. The discrepancies could mislead creditors and lenders who review my credit report, potentially affecting my ability to obtain credit and loans. 
I kindly request that you investigate this matter promptly and make the necessary corrections to ensure that the account information is accurate and consistent across all three credit bureaus. Please verify the accuracy of the account 's reporting date, and if it is found to be incorrect, update the information accordingly. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I expect this dispute to be resolved in a timely manner, as required by law. Additionally, I request that you provide me with written confirmation of the actions taken to correct this discrepancy once the investigation is completed. 


I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please send me a written response within 30 days of receiving this letter to inform me of the results of your investigation. 

Thank you for your cooperation and for helping me maintain the accuracy of my credit reports. I can be reached at XXXX or XXXX if you require any additional information or have further questions regarding this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhard v. Gravens ( mo ) 281 sw 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in facts therefore exists

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 2023-09-07 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: PA

Complaint narrative:
XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.

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 2023-09-07 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: GA

Complaint narrative:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-07 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: TX

Complaint narrative:
Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XX/XX/XXXX. This account should have been removed in XXXX, yet it is still reporting. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that XXXX and TransUnion follow suit.

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 2023-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX requested that the debt collector in question please send me a copy of the Validation Notice with all original documents with my Wet signature which to date XXXX XXXX XXXX never received. 
On XX/XX/2023 XXXX XXXX XXXX sent a response to the debt collector to please Cease and Desist all calls to me for I do not confirm or acknowledge this debt. For which to date I XXXX XXXX am still receiving threatened text, email and calls to my self and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: OH

Complaint narrative:
I have filed numerous complaints with Equifax and the CFPB about a fraudulent inquiry on my credit report. My first complaint was submitted in XX/XX/2023. Equifax replied to the CFPB complaint submitted in XX/XX/2023 stating that the credit inquiry for XXXXXXXX XXXX XXXX XXXX was deleted. As of today, the inquiry is STILL on my credit report. I have attached a copy of the FTC report submitted to Equifax and a copy of the complaint results submitted to the CFPB with Equifax 's response stating that it was deleted and a current coy of my credit report as of XX/XX/2023 showing that the credit inquiry is still on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX 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