vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
I hope this letter finds you well. I am writing to formally request a re-investigation regarding inaccuracies on my credit report. I initially submitted a request for investigation on XX/XX/year>, concerning certain accounts that I believe are reported incorrectly. While I received notification that the accounts were verified, I must express my concern that the inaccuracies - Account Name : XXXX XXXX - Account Number : XXXX - Date of Report : XX/XX/year> I have thoroughly reviewed my credit report, and I believe that the information presented is not accurate. This inaccuracy is impacting my credit score and financial well-being. 

According to the Fair Credit Reporting Act, I have the right to dispute information that I believe is inaccurate, and I expect that you will conduct a thorough re-investigation of my claim. I am prepared to provide any additional documentation necessary to support my position. 

Please confirm receipt of this letter, and let me know the next steps in the re-investigation process.I will also would like an updated copy of my credit report. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

I will attach a copy of my ID and Social Security as proof of my Identity.

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 2024-12-23 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: IL

Complaint narrative:
I have an American Express gift card that has {$130.00} that can not be used. Everytime I try to use it it gets declined. My order total is never more than the amount on the giftcard. See attached photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was approached at the XXXX XXXX XXXX on XX/XX/24, at XXXX ( according to the email notifying me of the withdrawal of funds ) by two XXXX XXXX males, asking for financial donations to aid charity work for the less fortunate in association with the " XXXX XXXX XXXX street performers and music group. They denied cash citing covid fears, and asked If we had a contactless payment option. I used my zelle integrated feature in the XXXX XXXX mobile app to send a XXXX dollar donation. Upon checking back at my confirmation emails to make sure all was well I was informed of a withdrawal totaling {$1900.00}. I do not have {$1900.00} dollars to be donating, and this was absolutely NOT the intended amount of money to go through. I contacted zelle, which turned me away since per 'privacy policy ' they don't have access to any banking details to be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX Balance {$0.00}

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 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The debts are considered a charge off. 
However, this is actually considered income because I should have received a 1099 C in order to account this as income. This is not a charge off. I'm requesting these charge offs be removed because it is not debt This is considered income and income should not be reported on my credit report.

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 2024-12-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I just receive a update from experian. They are illegally submitting information to the credit bureau. They said the loan open in XX/XX/year> but are only showing the c/o and not the actually payments supporting me paying all those years on time. According to the FRCA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. And Im also entitled to {$1000.00} per violation. This is my last request before I seek lawyer for lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
My name is XXXX XXXX, and Im writing to file a complaint about several fraudulent accounts that have been added to my Experian credit report. These accounts were opened in my name without my knowledge or consent, and theyve caused significant damage to my credit score and my ability to move forward in life. Heres a list of the fraudulent accounts and information Ive identified : 1. XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance : {$14000.00}, XXXX. Address : XXXX XXXX XXXX XXXX, Fl XXXX Ive already taken the necessary steps to address this issue. Ive been added to my Experian credit report. These accounts were opened in my name without my knowledge or consent, and theyve caused significant damage to my credit score and my ability to move forward in life.

Ive filed disputes with Experian, submitted an FTCIdentity Theft Report, and even filed a police report. Despite all of this, these accounts are still on my credit report, and theyre continuing to harm me.

Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block and remove fraudulent information from my credit report once Ive provided proper notice and documentation, which I have. Im asking for Experian to comply with this law and immediately remove these accounts from my credit report. This situation has had a devastating impact on my life. Because of these fraudulent accounts, Ive been denied the ability to secure an affordable home, purchase a reliable car, and improve my financial situation. Its incredibly frustrating to know that my credit report is being weighed down by accounts that I didnt open, and Experians failure to act is only making things worse. Im asking for the CFPBs help to ensure that : 1. Experian immediately blocks and removes all fraudulent accounts from my credit report. 2. Experian notifies any parties who accessed my credit report in the past six months of the corrections made. 3. Experian complies fully with its obligations under the FCRA to resolve this issue and prevent further harm to my credit profile. If Experian doesnt take the necessary steps to resolve this, Im prepared to escalate the matter further, including pursuing legal action to recover damages caused by their inaction. I am expecting quick compliance in the required time frame, I appreciate your full attention with respect to 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 explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-23 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX .... & XXXXXXXX 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 2024-12-23 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: LA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-12-23 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: LA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I am part of borrowers defense for XXXX XXXX XXXX forgiveness. This was supposed to be done from XX/XX/XXXX. 
I am now with Mohela and want this to finally be forgiven. I attended XXXX, which was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and after. 

I have been waiting for years now and this is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is for the Wells Fargo Class Action suit. I have requested the paperwork for the class action suit from CFPB twice and each time I was told it would be mailed to my home address which I gave to both of the employees and I never received. This complaint needs to be filed because Wells Fargo wrongfully stole our home at XXXX XXXX XXXX XXXX in XXXX, Nebraska. Ibought my home in XXXX and the original loan was with XXXX XXXX and they sold the mortgage loans to Wells Fargo. I had all my original receipts from XXXX XXXX and Wells Fargo right up to the date of the foreclosure. In XXXX I started receiving past due amounts on my monthly statement. I knew this was a mistake because they were showing XXXX months past due on my mortgage. I waited until the next month and sure enough the statement showed us XXXX months behind. My wife took the day off from work took the statements and all receipts to Wells Fargo at XXXX XXXX XXXX in XXXX spoke with a lady in mortgage dept laid statements and all receipts for the mortgage employee to see. After reviewing all of this she agreed our payments were up to date and to just ignore the figures on the statement ( this should have told me something right there ). We waited XXXX more months XXXX more statements and this time it was some ungodly amount approximately XXXX XXXX dollars when our mortgage was only XXXX XXXX and XXXX a month. My wife took another day off went to the Wells Fargo on XXXX XXXX again and spoke with a different employee, laid all the paperwork out and again the employee agreed we were up to date and assured my wife that it would be corrected. The following month new statement outrageous past due amount. This time my wife took all the paper work to the Wells Fargo main bank on XXXX XXXX and spoke with a lady by the name of XXXX XXXX in mortgage loans same thing she could not see a problem with our account and promised me it would be resolved by the next statement. It was never resolved and we started getting foreclosure letters. Afraid of losing our home we requested a loan modification and were turned down. In XXXX we came home to a lock on the door and a foreclosure notice taped to the window. I did contact Wells Fargo and asked why I didn't receive a letter and the guy put me on hold for about XXXX minutes came back to the phone and said " you weren't supposed to receive a letter. I am so sick of these lying crooks. I feel that they owe me monetary value for what they took from me. As far as all the statements and all my receipts Wells Fargo should know they were all in the house when the put the lock on the door and prevented us from ever entering again. 
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 2024-12-23 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: MO

Complaint narrative:
I am having trouble with this ccrd company releasing a refund that was put back on this card from a return I did XXXX. I have called numerous of times and all I get is that my check is being processed, it's going to take XXXX to XXXX business days for me to receive it. I've also spoken with the mgr of the escalation dept. I was assured the check that was sent ( which I haven't received ) will be cancelled and an overnight check will be sent, that was XX/XX/XXXX, which I still haven't received. todays date is XX/XX/XXXX and I still haven't gotton my money

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 2024-12-23 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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