vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: MD

Complaint narrative:
I was seen at XXXX XXXX XXXX on XX/XX/XXXX. My bill was {$860.00} and account # XXXX. My insurance company ( XXXX ) paid {$460.00} on XX/XX/XXXX. XXXX performed a bill adjustment ( assumptive write-off ) on XX/XX/XXXX. I received a XXXX billing statement on XX/XX/XXXX with a {$0.00} balance. See attached document. 

XXXX XXXX XXXX sent me a debt collection notice on XX/XX/XXXX, which included XXXX XXXX XXXX XXXX as the current creditor and XXXX XXXX XXXX as the original creditor with an original account # XXXX ( this account number does not match my XXXX account and amount of {$1600.00} ( this does not match the original billed amount that was already paid. XXXX then reported this account as delinquent in XX/XX/XXXX. See attached document. 

I disputed the XXXX tradeline telephonically with Experian. I received a dispute response on XX/XX/XXXX that didn't remove the tradeline. XXXX continued to report the account delinquent in XX/XX/XXXX. See attached document. 

During a phone conversation XXXX XXXX XXXX, on XX/XX/XXXX, XXXX and XXXX, collections representatives, who stated a social security number that didn't match my number. I requested a debt validation from XXXX. I never received the requested information. 

I sent a dispute letter to Experian on XX/XX/XXXX. Experian sent an email on XX/XX/XXXX stating Experian is unable to honor the dispute request. See attached documents.

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 2024-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Everyday since 2022 i have been harrassed! No matter how many times i block a number another one calls. Landlord lied and said i was evicted when i moved and returned the keys. Credit cards payment arrangements were set up and balances were supposed to be corrected because they are incorrect. XXXX equipment was returned and i was on a government based plan where they paid the XXXX  every month the program was called the affordable connectivity program and should not be billed. I have all documents and proof. Nothing should be on my credit.

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 2024-09-13 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of great concern regarding my accounts with your institution. It has come to my notice that several unauthorized accounts have been opened in my name without my consent, and I have fallen victim to identity theft. 

Given the seriousness of this situation, I kindly request that a thorough reinvestigation be conducted into these accounts at the earliest convenience. I would like to provide any necessary information or documentation to assist in the resolution of this matter promptly. 

The unauthorized activities on these accounts have caused me a great deal of distress and inconvenience, and I trust that your institution will take the necessary steps to rectify the situation and prevent any further misuse of my personal information. 

I urge you to prioritize this matter and keep me informed of the progress and outcome of the reinvestigation. I appreciate your attention to this urgent issue and look forward to a swift resolution. 

Thank you for your prompt action on 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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.

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 if 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: MT

Complaint narrative:
Williams and Fudge did not make me aware that debt from XXXX XXXX XXXX was apparently transferred to them in XX/XX/year>. Williams and Fudge has been contacting me twice daily on a number used for work at XXXX and XXXX XXXX, causing a disruption to my day. I have already let them know that I am disrupting the debt and to cease contacting me. XXXX XXXX XXXX additionally will not allow me to pay down the debt independent of Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Against Experian for Incorrect Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against Experian regarding inaccuracies on my credit report. I have encountered a persistent issue where my credit report includes a name that does not match my legal name as listed on my driver 's license or utility bill. 

Despite my efforts to resolve this matter directly with Experian, the issue remains unaddressed. I have provided them with the necessary documentation to prove my identity and correct the inaccuracies, yet they continue to report this erroneous name that I don't use when identifying myself. 

I am deeply concerned about the impact this situation is having on my financial standing and creditworthiness. If this issue is not resolved promptly, I will have no choice but to pursue legal action. 

I request your assistance in addressing this matter with Experian to ensure my credit report is corrected. Thank you for your attention to this urgent issue. 

Sincerely,

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 2024-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As of 2023 Wells fargo has been attaching a fee to my savings account under the guise of low funds or not meeting transfer requirements. I was unaware and never informed of this change to this account. This account as others were part of wellsfargo scheme whereas wellsfargo used as either fake or accounts that have been aet up for fee collection. Wellsfargo has been found liable for this activity by federal regulators. I've contacted wellsfargo on several occasions to resolve this issue and either have been ignored and wellsfargo has never responded after promising to do so. As a customer of this back over 35 years and a XXXX it is difficult to find resolution to this matter. I'm reporting this as a last refuge to solve this. Thank you

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 monetary relief
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
I have tried to get Transunion to do a proper investigation multiple times. XXXX and XXXX did their investigation and deleted the account bridgecrest. The account number is XXXX Under the FCRA, TransUnion is required to report only accurate and verifiable information on consumer credit reports. I believe that the repossession in question is being reported in error for the following reasons : Inaccurate Information : I was never notified of the repossession, as required by law Unverifiable Information : The creditor has failed to provide documentation to substantiate the repossession, making the reporting unverifiable under the FCRA ( 15 U.S.C. 1681i ).

In accordance with the FCRA, I respectfully request that TransUnion investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the investigation, along with any documentation used in the process. 

Since this is an ongoing past issue I request proof within 15 days or I will be forced to take legal action including Damages of {$1000.00} per violation

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 2024-09-13 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have submitted information to this company proving that I was XXXX  at the time that this credit card account was opened. I have also notified this company in accordance to 15 USC Subsection 1692 C that I refuse to pay for this account and to cease all communication regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
XXXX is reporting my student loan balance twice to the Credit Bureaus. It appears that I have twice the student loan debt. I have disputed it with the Credit Bureaus but no response. I am unable to purchase a home due to the high amount of student loan debt that is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
XXXX is reporting my student loan balance twice to the Credit Bureaus. It appears that I have twice the student loan debt. I have disputed it with the Credit Bureaus but no response. I am unable to purchase a home due to the high amount of student loan debt that is showing 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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.

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 if 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief