vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: NC

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Student Loan Late Payment Reporting Account XXXX To Whom It May Concern, I am filing this complaint against the credit reporting of Account XXXX, which is inaccurately reporting late payments on my credit report. This is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these inaccuracies from my credit report. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy. The reporting of late payments on the aforementioned account without my explicit consent is a clear violation of my right to privacy as guaranteed under this law.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This provision states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not provided any such instructions to report late payments on Account XXXX, making the reporting unauthorized and illegal. 
3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies that no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which predates the report by more than seven years. The reporting of these late payments is outdated and should be removed immediately.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The continued reporting of these late payments, despite the inaccuracies, violates this statute. 

Given the above violations of the FCRA, I demand the immediate removal of the late payment information associated with Account XXXX from my credit report. 

I request that this issue be addressed promptly to prevent further damage to my creditworthiness and financial well-being. I trust that the CFPB will take appropriate action to ensure that my rights are upheld under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
My credit report shows a collection from CREDENCE RESOURCE MANAGE I dont recall applying or consenting to agreement from this company. I have yet to receive any proof of validation that this is my account. Please remove this negative account from my credit report. It shows a {$1600.00} balance that is owed. This account doesnt belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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:
Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.

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 2024-08-22 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 applied for a card with XXXXXXXX XXXX. I received a letter stating they could not access my Equifax report despite it being unlocked. I called and, without my permission, they pulled my report again. They stated that didn't work either and they still couldn't access my report, so they couldn't process the application. None of this was true as they made XXXX hard inquiries on my account without processing my application. I want these inquiries removed as XXXX operated without my permission to pull one and claimed they couldn't access my account on the other, when they obviously did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: LA

Complaint narrative:
XXXX XXXX The Bankruptcy XXXX, XXXX XXXX, dismissed my bankruptcy.

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 2024-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: MS

Complaint narrative:
Requested debt validation on XX/XX/year> and sent a letter did not receive anything back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: MS

Complaint narrative:
Requested debt validation on XX/XX/year> and sent a letter did not receive anything back

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 2024-08-22 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: NC

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Student Loan Late Payment Reporting Account XXXX To Whom It May Concern, I am filing this complaint against the credit reporting of Account XXXX, which is inaccurately reporting late payments on my credit report. This is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these inaccuracies from my credit report. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy. The reporting of late payments on the aforementioned account without my explicit consent is a clear violation of my right to privacy as guaranteed under this law.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This provision states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not provided any such instructions to report late payments on Account XXXX, making the reporting unauthorized and illegal. 
3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies that no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which predates the report by more than seven years. The reporting of these late payments is outdated and should be removed immediately.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The continued reporting of these late payments, despite the inaccuracies, violates this statute. 

Given the above violations of the FCRA, I demand the immediate removal of the late payment information associated with Account XXXX from my credit report. 

I request that this issue be addressed promptly to prevent further damage to my creditworthiness and financial well-being. I trust that the CFPB will take appropriate action to ensure that my rights are upheld under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, my Wells Fargo account ending in XXXX was closed, all pending items which were payroll taxes, XXXX contributions, health insurance contributions and payroll were returned unpaid. The balance of {$160000.00} is being held since XXXX. I called XXXX and was told a check was mailed out and I should receive next day via XXXX XXXX to my po box . I went to the po box to find nothing and I spoke to the postal office attendant confirming that they could indeed receive a XXXX XXXX  package by putting a slip in my box and I could claim it with them. I called XXXX was told they were waiting for approval on check to be generated and I called XXXX was told the same thing by customer service. I called this morning at XXXX and was told that they would have to transfer me to research dept. When I was transfer they said they can submit for research and it would take up XXXX hours to assign someone to the case and up to XXXX  days for them to make the correction ( or mail my check ). I ask to get something in writing which they proceeded to send and then told me they could not generate the email and passed me to a supervisor who could not do anything for me but pass me on to a different dept. Which they didnt get me to them. XXXX came back to the line saying he would research further with no conclusive information. still have not received any resolution from anyone. i am being told the same thing. Why would a bank hold on to funds for so long?

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 2024-08-22 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: MO

Complaint narrative:
The authorized user account associated with XXXX was added again to my credit report without my permission and I need it deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: ND

Complaint narrative:
Did not send me a copy of the original contract and reporting inaccurate last date of payments on trans union and XXXX. Used my information without my knowledge under FCRA Section 605B

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 2024-08-22 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: ND

Complaint narrative:
Did not send me a copy of the original contract and reporting inaccurate last date of payments on XXXXXXXX XXXXXXXX and Equifax. Used my information without my knowledge under FCRA Section 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: ND

Complaint narrative:
Did not send me a copy of the original contract and reporting inaccurate last date of payments on XXXX XXXX and XXXX. Used my information without my knowledge under FCRA Section 605B

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 2024-08-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
RE : Complaint Regarding Non-Payment of Certificates of Deposit Dear CFPB, I am writing to formally lodge a complaint regarding my dealings with XXXX XXXX Bank. Many years ago, I purchased Certificates of Deposit ( CDs ) for my children and myself from the XXXX XXXX Bank. However, I allowed the funds to remain in the bank when I left the state in XX/XX/XXXX. Recently, after returning to the state in XXXX, I found the paperwork for my CDs and promptly contacted Simmons bank, which have since acquired XXXX XXXX Bank, to claim my funds. 
To my dismay, despite sharing with the bank 's XXXX of Directors that I am a XXXX  citizen, and that this situation has caused me significant stress, I have been repeatedly given the runaround. Although the bank has informed me that my accounts have been redeemed, I have never received any documentation or proof that I personally redeemed them. I have made clear to them, that I have never redeemed these CDs. 
I have requested clear and concrete proof of redemption, including my signature, as I am the only individual authorized to redeem these CDs. Despite my repeated requests, the bank 's representatives have ignored my inquiries and have refused to provide me with any evidence to substantiate their claims. This has been incredibly frustrating, and I believe I am owed thousands of dollars by the bank. 
I would greatly appreciate your intervention in this matter to ensure that XXXX XXXX XXXX XXXX provides the necessary documentation or compensates me appropriately for the funds that were required to be held in these accounts. 
Thank you for your assistance in this matter. I look forward to your prompt attention. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following inquiry I never authorized and is on my credit report, it's unauthorized and I would like it removed. XXXX XXXX XXXX, This company never had permissible purpose to view my credit report via an application or signature. I would like proof they were authorized and if not and according to Section 604 15 U.S.C 1681 B is unauthorized and I would like it removed.

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 2024-08-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tn XXXX Dear Experian, my XXXX attempt to write you to dispute the accuracy and validity of certain information that appears on my credit report. Account : XXXX XXXX XXXX XXXX Account : XXXX  Account : XXXX XXXX I am now within my right to request a reinvestigation per 1681i 611 I have enclosed proof that XXXX has XXXX IMFORMATION BECAUSE IT HAS BEEN DEEMED AS INACCURATE AND UNVERIFIAFIABLE. Please send information to support information or take the necessary ACTION AND DELETE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY. I expect a prompt response with all requested documents and the swift correction of my credit report to reflect accurate and verifiable information. NOTE THIS IS MY LAST ATTEMPT, I am in the process of seeking legal advice and I will get results pertaining to every inaccurate inquiry or account on my consumer report.Thank you for your prompt attention to this matter. Sincerely, 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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was exploring options on my credit card account because I was 1 payment late for the first time. 33 days late. I was exploring the credit card relief programs, just to see what it was. Of course, I explored it all the way through and ended up closing my credit card account. XXXX hours later ( because that's when the account said it was closed ), I called Wells Fargo, telling them that I had no idea that the card was going to close forever, and that I wanted it reopened. They ended up saying that it's on line XXXX!! that the card was going to close. Line XXXX!!! That should be online one! And it should be in big red bold colors. Better yet. It should be right above the button that closes, supposedly closing the account. Ok, fine I made the mistake of exploring their options, but when I called, they also said that I had to request to re-open the same day. After XXXX I believe my time has passed. Who does that? Why not operate on XXXX hours for that. Seems more logical. 

I can only be reached at XXXX for now. 
After the XXXX I should be able to be reached at my regular number that wells Fargo has on file.

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 2024-08-22 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief