vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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 am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Owed XXXX {$4500.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX XXXX Balance Owed : {$1800.00}

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 non-monetary relief
Consumer complaint received 2024-03-06 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$4500.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: MO

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}

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 non-monetary relief
Consumer complaint received 2024-03-06 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:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOUTHSTATE BANK CORPORATION
State: NC

Complaint narrative:
XXXX was an online app that you could join as a member and begin saving and debt payments. I had an account with XXXX and the monies were secured by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. However, in XXXX of 2022, XXXX stopped making payments to my lenders and merged with XXXX XXXX  XXXX XXXX, but they refused to communicate with me regarding my balance of my savings. After months of calls and emails and a complaint to CFPB, I was able to get some answers from The Federal Reserve Bank XXXX XXXX XXXX. ( see attached letter ). As you can see from the letter, things have been resolved with XXXX XXXX  XXXX XXXX, but SouthState bank has yet to refund me my money. 

I am requesting that you investigate SouthState bank, for return of my {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I began disputing this debt in 2020, sending debt validation requests, and notifying them I had been the victim of identity theft. Additionally, I sent multiple follow up letters notifying them I had not received any response from them validating the debt, or any response regarding what this debt was even for. I also notified them they were violating the FCRA and causing malicious harm to my credit report. 

Originally, this debt was removed from my credit report, but them years later began being reported once again with different dates and reporting information. 

To date, they have failed to provide proper validation of this debt or proven it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: LCS FINANCIAL SERVICES CORPORATION
State: SC

Complaint narrative:
This company will call me, leave me voicemails, and emails about this and offer promotions in the emails but still harassing you about paying the whole amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report. Also, another hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report on XX/XX/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 2024-03-06 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: MO

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance : {$9500.00} Bankruptcy XXXX XXXX XXXXXXXX Date Filed XX/XX/2015 XXXX XXXX XXXXXXXX

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 2024-03-06 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: MO

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance : {$9500.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/2015 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$2200.00} Balance updated XX/XX/XXXX Original balance {$2200.00} Account info Account number XXXX Re : Violation of the XXXX privacy act, violation of education/privacy act. The XXXX  said they would not share my financial transactions with a third party. Experian is a CPA, not a creditbureau Balance {$9600.00} Balance updated XX/XX/XXXX Original balance {$9300.00} Account info Account number XXXX RE : Re : Violation of the XXXX privacy act, violation of education/privacy act. The XXXX said they would not share my financial transactions with a third party. Experian is a CPA, not a creditbureau XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off- Balance - Balance updated - Original balance {$250.00} Account info Account number XXXX Re ; Per FCRA as a federally protected consumer iam opting out of any or all authorization I the Consumer may have given per 15 USC 6802 XXXX XXXX XXXX creditor : XXXX Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/XXXX Original balance {$490.00} Account info Account number XXXX Date opened Re ; Per FCRA as a federally protected consumer iam opting out of any or all authorization I the Consumer may have given per 15 USC 6802

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 2024-03-06 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I began disputing this debt in 2020, sending debt validation requests, and notifying them I had been the victim of identity theft. Additionally, I sent multiple follow up letters notifying them I had not received any response from them validating the debt, or any response regarding what this debt was even for. I also notified them they were violating the FCRA and causing malicious harm to my credit report. 

Originally, this debt was removed from my credit report, but them years later began being reported once again with different dates and reporting information. 

To date, they have failed to provide proper validation of this debt or proven it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to to all three credit bureaus to inform them regarding the accuracy of my credit file all three of the consumer reports disregarded my concern. 

XXXX, XXXX, Addresses, and Relatives Found and Experian website. 
XX/XX/XXXX Upgrade to remove Name : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX, Fl XXXX, Fl XXXX, FL XXXX XXXX, FL XXXX, FL XXXX XXXX, FL XXXX, FL XXXX XXXX, FL XXXX, FL XXXX, AR XXXX, CA XXXX, GA Relatives : are not related to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also would like this information to be removed from my credit file everything was paid as agreed to by the lender. XXXX never late XX/XX/XXXX & XXXX {$580.00} paid as agreeing too XX/XX/XXXX & XXXX {$1800.00} Paid As Agreed XX/XX/XXXX XXXX $ XXXX paid to agree XXXX XXXX {$1500.00} paid As Agreed to XXXX XXXX XXXX {$270.00} paid as agreed XXXX XXXX {$360.00} Paid As Agreed to XXXX Closing Account that should be deleted. 
XXXX {$1200.00} Paid full. 
Medical bills. 
XXXX XXXXXXXX {$81.00} XX/XX/XXXX NOT BELONG 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
We were charged by our credit card American Express XXXX $ for tickets which we did not purchase. We never travelled on those tickets and flights. On our credit card it shows XXXX tickets were purchased. I called XXXX XXXX They told me no tickets were issued for XXXX XXXX XXXX XXXX XXXX Tx flight s I noticed these fraudulent charges on XX/XX/2023 showing pending charges and immediately notified dispute department and fraud department of American Express. But we did purchase tickets from an airline agency XXXX ticket s on XX/XX/2023 which were legit charges for XXXX XXXX and we travelled XXXX Ohio to XXXX XXXX XXXX Tx to XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX XXXX to XXXX Ohio. This was our legitimate purchase and travel. American Express credit card informed me that because we shared our credit card information with just fly agency we were responsible for the fraudulent charges. Even though we notified American Express credit card company immediately when fraud charges appeared in our credit cards account as pending charges on XXXX online website. American Express failed to prove that the charges were incorrect and fraudulent and did nothing to stop from pending charges to be investigated and resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per FCRA as a federally protected consumer Iam now opting out of any or all authorization I the Consumer may have given per 15 USC 6802.

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 2024-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Cd with Wells Fargo Bank their 11 month CD advertised several months ago, advertised insured to {$250000.00} by FDIC. It Bothered me that the CD was not able to Display all the CD NOS assigned when opening like a normal savings, checking account and supposed CD that was opened. On XX/XX/25 I printed the attached verification of funds with the bank, and it instructed me if accounts are missing to call the bank XXXX If an account is not listed, please contact customer service at XXXX This I did and was very concerned with the behavior exhibited towards the resolution of this matter. 

I am even more shocked since that time they have reclassified this CD under Investment. I did not make any Investment I opened a CD. I am even more shocked to see this as I have highlighted Insurance and INVESTMENT products are not FDIC INSURED. I simply do not know what kind of game wells Fargo is playing here. I have a cash CD insured by Wells Fargo NOT A NON INSURED INVESTMENT AS THEY HAVE MADE THIS TO APPEAR TO BE IN THE LAST FEW DAYS. Assistance is requested to Investigate and protect consumers accordingly.

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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXX XXXX Date of inquiry : XX/XX/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