vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-02-25 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: MS

Complaint narrative:
i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: MS

Complaint narrative:
i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction 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 XXXX XXXX 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 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I called a debt collection agency from my cellphone ( XXXX ) XXXX because it showed up on my credit karma as a collection I owed in the amount of {$360.00}. The only information I had is that the debt was initiated in XXXX of XXXX for the amount of {$360.00} and it said that I needed to contact the agency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, telephone number ( XXXX ) XXXX. It did not give me the agencies name. The lady I spoke with would not tell me why I owed this money. She told me I needed a reference number or she wouldn't even be able to continue to speak with me. I looked through credit karma and couldn't find one so she told me she had to hang up. I explained that I was calling to pay the debt as long as I could find out what it was for and she told me that she couldn't give me any information without a reference number or without me confirming the address. I listed off all the addresses I have lived at in the last few years ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. She told me that none of these addresses matched her records and refused to speak with me further. She told me I should've received a letter or a text message neither of which I did. But I suggested to her that she could send me a text now to the number they have on file since I've had the same phone number for years. She refused. Since that call my credit score has gone down 47 points and I am currently looking to rent a new apartment and now my credit is far below average. I feel unjustly penalized especially as I was attempting to pay her the money but she wouldn't speak with me. I've called collection agencies before and there's other ways of verifying who I am and I think it's unfair that she wouldn't even allow me to pay the money or give me any info on it and now my credit is being affected severely. Please help me resolve this issue either by learning what it's from so I can pay it or if it's not from an address I've lived at then help me dispute it. I am reporting this to you on the recommendation by my realtor who suggested I reach out to the cfpb for help. Thank you for reading this message and I look forward to hearing from you Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Personalised assistance after filing taxes is available with XXXX for XXXX XXXX. This service includes full IRS audit representation by XXXX, including planning, following up with the IRS, preparing documents, and representing you in meetings. XXXX also provides identity theft insurance and identity recovery through XXXX partner XXXXXXXX. Primary filers and their dependents are covered by this package, ensuring a smooth and efficient filing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Personalized assistance after filing taxes is available with XXXX for XXXX XXXX. This service includes full IRS audit representation by XXXX, including planning, following up with the IRS, preparing documents, and representing you in meetings. XXXX also provides identity theft insurance and identity recovery through XXXX partner XXXX Primary filers and their dependents are covered by this package, ensuring a smooth and efficient filing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX Iowa XXXX [ Subject : Complaint Regarding Inaccurate Credit Report Information ] Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding multiple inaccuracies present on my credit report. The discrepancies pertain to various aspects including account numbers, payment history, and balances, which are significantly affecting my creditworthiness and financial standing. 

Below, I outline the specific inaccuracies found on my credit report : Incorrect Account Numbers : Several accounts listed on my credit report contain inaccurate account numbers. This discrepancy makes it challenging for me to properly identify and address these accounts. 

Inaccurate Payment History : The payment history associated with certain accounts is misrepresented. For instance, there are instances where timely payments are marked as late or missed payments, negatively impacting my credit score and financial credibility.

Incorrect Balances : The balances reported on some accounts do not align with the actual balances. This misinformation leads to an inaccurate assessment of my overall debt and financial obligations. 

These inaccuracies are not only detrimental to my creditworthiness but also undermine my ability to access financial products and services on fair terms. Despite repeated attempts to address these issues with the credit reporting agencies, the inaccuracies persist, indicating a systemic problem that requires intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the bureau to hold the credit reporting agencies accountable for their failure to ensure the accuracy of the information they report. 

Enclosed with this letter are copies of my credit report highlighting the inaccuracies for your reference. Please do not hesitate to contact me if further information or documentation is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit report. 

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 non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, unknown inquiries on 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, unknown inquiries on 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have unauthorized inquiries on my credit report and I been a victim of identity theft. I sent several dispute letters by certified mail and they have failed to delete this. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Wells Fargo Bank regarding their failure to process a refund from XXXX. On XX/XX/year>, I made a purchase with my Wells Fargo debit card on XXXX in the amount of {$16.00}. Subsequently, I initiated a return, and XXXX processed the refund on the same day. 

However, despite the refund being issued by XXXX, Wells Fargo Bank has failed to credit my account with the refunded amount. The transaction details are as follows : Transaction Date : XX/XX/year> Posted Date : XX/XX/year> Merchant Information : XXXXXXXX XXXX Transaction Description : XXXX XXXX XXXX I have contacted Wells Fargo Bank multiple times regarding this issue, but they have been unresponsive and have not provided any assistance in resolving the matter. This failure to refund customers for returned items is unacceptable and constitutes a violation of consumer rights. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Wells Fargo Bank for their negligence and lack of accountability. I also request prompt resolution and restitution of the {$16.00} owed to me. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. MY IDENTITY WAS ALSO STOLEN IN A FRADULENT DATAT BREACH VIA ONLINE AND THERE WERE SEVERAL FRAULENT INQUIRIES MADE WITHOUT MY PERMISSIONOR KNOWLEDGE. All of the following inquiries should be removed from my credit report immediately : 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 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 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 2024-02-26 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My credit score dropped by XXXX points today based on improper reporting. XXXX XXXX cards are paid off as per minimum balances required. This is false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: NV

Complaint narrative:
XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$550.00} Balance updated XX/XX/XXXX Filed dispute for ID theft. Investigation was not done.

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 2024-02-25 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: TN

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all 3 credit bureaus are showing different information for the accounts listed below. If the information was investigated and reported back as accurate, how can all 3 bureaus still report different information. This is a huge violation of my rights.

The consumer reporting agencies which is Transunion did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Transunion violated my rights. 

XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXXccount Number : XXXX XXXX Credit Bureau : Transunion Creditor XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Credit Bureau : Transunion Creditor : XXXX XXXX Account Number XXXX XXXX XXXX Credit Bureau : Transunion Creditor : XXXX  Account Number XXXX XXXX XXXX Credit Bureau : Transunion Creditor : XXXX Account Number : XXXX XXXX Credit Bureau XXXX Transunion Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXX Account Number : 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 2024-02-25 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: IL

Complaint narrative:
I recently pulled my credit report on XX/XX/XXXX I know inconsistencies on my credit report. The credit reporting agencies per FCRA is responsible for reporting 100 % ACCURATE, VERIFIABLE AND COMPLETE information on my credit report. I look and notice ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT XXXX XXXX is still reporting an account that was sold to a collection company by the name of XXXX XXXX XXXX  XXXX Its been XXXX  months of this creditor still reporting inaccurate information on my credit report. The account been charged and was sold which the credit written it off as bad debt. Im requesting all business transactions documents with this account in question I want the account ledger, 1099 OID report, 424 b5 prospectus and RC-S & RC-B call schedules to be sent immediately. If you are unable to provide me out these documents I ask that you delete this account immediately. The date last verified from TransUnion XX/XX/XXXX is inaccurate. XXXX is missing the date last verified which is inaccurate. Date last activity TransUnion XX/XX/XXXX, XXXX date of last activity is XX/XX/XXXX is inaccurate. Date last reported XX/XX/XXXX. XXXX date last reported XX/XX/XXXX is incorrect. TransUnion date open XXXX XXXX date open XX/XX/XXXX is inaccurate. TransUnion date closed XXXX XXXX date closed is missing the date. This account has been in dispute since XX/XX/XXXX the dispute status on my credit report reads account not disputed this how I know TransUnion and XXXX did not investigate this account at all also XXXX year payment history is incomplete. I want this unverified, unproven, obsolete, incomplete and inaccurate information deleted from my credit report immediately.

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 2024-02-25 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: IL

Complaint narrative:
I recently pulled my credit report on XX/XX/XXXX I know inconsistencies on my credit report. The credit reporting agencies per FCRA is responsible for reporting 100 % ACCURATE, VERIFIABLE AND COMPLETE information on my credit report. I look and notice ACCOUNT NAME- XXXX XXXX - ACCOUNT NUMBER XXXX is still reporting an account that was sold to a collection company by the name of XXXX XXXX XXXX  XXXX Its been XXXX months of this creditor still reporting inaccurate information on my credit report. The account been charged and was sold which the credit written it off as bad debt. Im requesting all business transactions documents with this account in question I want the account ledger, 1099 OID report, 424 b5 prospectus and RC-S & RC-B call schedules to be sent immediately. If you are unable to provide me out these documents I ask that you delete this account immediately. The date last verified from XXXX XX/XX/XXXX is inaccurate. Equifax is missing the date last verified which is inaccurate. Date last activity XXXX XX/XX/XXXX, Equifax date of last activity is XX/XX/XXXX is inaccurate. Date last reported XX/XX/XXXX. Equifax date last reported XX/XX/XXXX is incorrect. XXXX date open XXXX Equifax date open XX/XX/XXXX is inaccurate. XXXX date closed XXXX Equifax date closed is missing the date. This account has been in dispute since XX/XX/XXXX the dispute status on my credit report reads account not disputed this how I know XXXX and equifax did not investigate this account at all also XXXX year payment history is incomplete. I want this unverified, unproven, obsolete, incomplete and inaccurate information deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation