vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On the date of XX/XX/XXXX I submitted a dispute with Experian to remove XXXX account # XXXX from my credit report. They have not provided me a Certification of accuracy of information so they have deleted the whole account on XX/XX/XXXX. In the month of XX/XX/XXXX, I have reviewed my report. I have notice that this XXXX account has been Re-inserted on my Experian credit file. I have not recieved a written notification from the creditor. I have submitted another letter to them again with deleted proof to inform Experian that this deleted account has been re-inserted without written notification and they have remove this account once more. Around XX/XX/XXXX, I have reviewed my credit report and notice that this XXXX Account # XXXX has been re-inserted back on my Experian credit report again without written notification. I would lie this Account to be removed for good.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As stated in previous letter I have asked for certain information pertaining this issue and wells Fargo is not investigating correctly I spoke with the rep from wells Fargo told her what the issue was what I was asking for for documents. I have also stated I didn't check in not my signature wells Fargo has failed to investigate correctly This also a accommodation letter asking for the details and documents I need to continue with this case.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I have requested accounting of this contract and until it can be verified, it should not be reported on my credit file. 

15USC1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
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 b 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 Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights.

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

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express issued a card to the XXXX XXXX XXXX which is owned by me. American Express is reporting the account to all three bureaus as a " charge off, '' however I am still paying the required minimum payment on the account every month AND accruing standard interest as per the card issuer agreement. American Express refuses to remove the " charge off '' status from my credit report despite my continuing to pay the required minimum payment and accruing and paying interest as stated in the cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX. I exercised my right to dispute inaccurate information with Transunion and XXXX according to the FCRA. The credit reporting agencies, Transunion and XXXX received my information via certified letter. They utilized my dispute letter as a means to retaliate and/or attempt to punish me by ignoring my dispute, intentionally and deliberately added unreported information to my credit file to cause me a deliberate credit injury of my character and credit worthiness. Here is a list of information that was deliberately and maliciously added to my credit report : TRANSUNION ADDED ON XX/XX/XXXX via File # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDED ON XX/XX/XXXX -XXXX XXXX  ACCOUNT TRANSFERRED OR SOLD '' -XXXX XXXX '' CHARGE '' -FICTICIOUS NAME OF " XXXX XXXX XXXX XXXX '' after submitting proper documentation verifying my actual 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am a victim of identity theft and have been in contact with the three major credit bureaus to remove fraudulent information. I recently applied for a rental home with a property management company called XXXX XXXX. I was denied the ability to rent due to a consumer report from Amrent. I have never heard of this company, nor did I ever give this company permission to access my personal information. When I called Amrent to dispute fraudulent information, my call was dropped. I have called multiple times since and have been unable to reach anyone. This is incredibly frustrating as I shouldn't be penalized for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally file a complaint against TransUnion concerning inaccuracies found within my credit report. On XX/XX/2023, I initiated contact with TransUnion to address and rectify the erroneous information in question. However, as of the present date, I have yet to receive any communication or resolution from TransUnion. Below are the details of the disputed account along with the requested correction : Account Details : Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3100.00} Original Creditor : COLLECTION I am asserting that the account with the account number XXXX, opened on XX/XX/2023, and attributed to COLLECTION, is not mine. As a result, I am requesting that TransUnion promptly removes this inaccurate account 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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Thursday, XX/XX/XXXX, I entered branch to activate on-line access to my accounts. The tellers refused to assist, saying we do everything on-line now. After a few minutes one teller sat with me and helped set-up my cell number, stating it would take XXXX hours to access.3 days later I tried logging in, attempted the phone service team and was promised resolution in 3-4 days ; Very frustrating and I received no promised call from a manager. 

Now, weeks later, I tried again and your representative said it may take another 30 days to get this resolved. WHAT? This is my hard earned money being held captive and I am unable to transfer funds and pay my bills. I will be taking legal action for my grief as well as well as removing all funds from the bank as soon as I am able. 

This was the error code that takes XXXX weeks to look at ; We've hit a snag. 
Looks like something went wrong with the site, but we're working on it. Please try again shortly. 

XXXX OK Please visit our FAQ for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
THIS IS NOT A DISPUTE FOR CREDITORS! THIS IS A REQUEST TO EXPERIAN TO ADD ADDITIONAL INFORMATION TO MY CREDIT THAT IS CURRENTLY MISSING. The accounts listed below have never reflected expiration dates as to when the accounts will expire and be removed from my credit, even though all are and have been closed for years. 

XXXX. XXXX # XXXX - this account is paid & closed but does not show an expiration date as to when it will fall off. Please add the date so that I can track it. 

XXXX. XXXX # XXXX - this account was charged off but is close to its expiration date. There is no date showing currently to assist in tracking when this will fall off. Please add it so I can track it. 

XXXX. XXXX XXXX # XXXX - this account has been charged off for a long time. There is no expiration date listed to assist in knowing when it will fall off. Please add the date it will expire on my credit, so that I can track it. It should be close to expiration as well.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau concerning Equifax 's failure to address and rectify inaccuracies on my credit report. On XX/XX/XXXX, I initiated communication with Equifax to address the discrepancies outlined below. Regrettably, I have yet to receive any form of response or action from Equifax. The following provides a comprehensive account of the erroneous information and the corrective steps required : Account Details : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} I hereby assert that the account linked to the account number XXXX, established on XX/XX/XXXX, under the name XXXX, is not associated with me. Thus, I firmly request that Equifax expeditiously eliminates this inaccurate account entry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have tried to locate the information of the bank and can't find the exact phone number. I need to report all credit bureaus because I am unable to verify all the information in proving my identity... I did file an identity theft police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
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 b 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 Account # XXXX, Account name : XXXX XXXX Account # XXXX has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
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 b 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 Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 
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

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I transferred {$700.00} to the owner of a business XXXX XXXX XXXX and XXXX XXXX. on XX/XX/XXXX as a deposit for granite countertops. They were to be installed on XX/XX/XXXX. I still haven't received the countertops or the entirety of my money back. Through a series of communication I have managed to get back {$200.00} with daily promises to return the rest. I do not feel that it's fair that nothing can be done about this transaction fraud because this is a known individual with a legitimate business registered in the state of Florida.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, I'm writing this to see if capital one and XXXX XXXX  can remove a missed Payment that occurred on XXXX of XXXX. At the time I was working as a XXXXXXXX XXXX XXXX XXXX. Due to covid at the time I was laid off and could not get another job because Maryland was on a emergency shut down. Any job deemed not essential was shut down so I was forced to switch job trade to XXXX  since it was one of the few job deemed essential. As soon I stared working I paid off my credit card balance and have not missed a payment since. I have tried many time to dispute the late payments online since the missed payment was due to a naturally declared disaster and many people was affected I could not do anything because of the shut down. Can capitol one please help me remove this blemish on my credit report, it has affected me by limiting my credit score and hindering me from getting loans for houses and a personal loans. I would like to see this missed payment removed. I hope you understand that the circumstance I was put under was out of my control at the time. Thank you so much for your understandin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX. I exercised my right to dispute inaccurate information with XXXX and Equifax according to the FCRA. The credit reporting agencies, XXXX and Equifax received my information via certified letter. They utilized my dispute letter as a means to retaliate and/or attempt to punish me by ignoring my dispute, intentionally and deliberately added unreported information to my credit file to cause me a deliberate credit injury of my character and credit worthiness. Here is a list of information that was deliberately and maliciously added to my credit report : XXXX ADDED ON XX/XX/XXXX via File # XXXX XXXX XXXX XXXX MICHIGAN EQUIFAX ADDED ON XX/XX/XXXX XXXX XXXX ACCOUNT TRANSFERRED OR SOLD '' -XXXX XXXX- '' CHARGE '' XXXX NAME OF " XXXX XXXX XXXX XXXX '' after submitting proper documentation XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.

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