vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
XX/XX/year> I sent a CFBP complaint to XXXX XXXX XXXX due to an inaccurate and incomplete collections account on my consumer report. XX/XX/year>, which is over 5 days of initial communication with the consumer, and nothing was sent to me in the mail. This collector provided me inaccurate and incomplete validation letter and did not provide me with any information or disclosures stating I have received any information provided by them. Or any detailed information regarding reporting this account on my consumer report inaccurately. There were laws violated as well. In this case, I submitted another CFPB complaint on XXXX XXXX complaint ID XXXX. Due to them not removing the account or fixing the issues and violating laws. XX/XX/year> debtor responded they need more time. Now this account has been given to another debt collector without my permission. XXXX XXXX has not completed this complaint with me yet. And already given away my information. This is really giving me XXXX  and stress. This debt collector is violating laws. 
The Fair Debt Collection Practices Act DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT Truth in Lending Act I do not understand why XXXX, XXXX, EQUIFAX is allowing this debt collect report to my consumer report. Please remove as soon as possible. 

The FCRA gives consumers many important rights when it comes to the information that consumer reporting agencies collect about them. It requires consumer reporting agencies ( including the three major credit bureaus ) to make sure the information they collect and share is fair, accurate and kept private.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-07-03 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:
PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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:
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 Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my initial dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically referencing section 15 USC 1681i, the disputed accounts have been incorrectly verified as accurate.

According to section 15 USC 1681i ( 5 ) ( A ) of the FCRA, unverifiable information must be removed from the consumer 's credit report. I request immediate removal of the following inaccurate items 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 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 Status as Derogatory, differing from XXXX which reports Collection/Chargeoff. 
- Date Opened not reported, while XXXX XXXX XXXX 
- Date Reported not reported, while XXXX XXXX XXXX 
These discrepancies have been verified as accurate multiple times, violating FCRA 15 USC 1681i ( 5 ) ( A ). This is causing me financial harm. If not corrected, I will seek legal action. My lawyer, 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX is reporting late for XXXX. Payment was made as well as they are offering me a XXXX. 
On my XXXX statement the late fee was waived due to an error. I would like this status corrected. XXXX, XXXX and Transunion need to be corrected 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 2024-07-03 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: TX

Complaint narrative:
I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly associated with me without my knowledge or approval, causing significant distress. As an identity theft victim, I've reported this incident. This urgent matter needs immediate attention due to its negative impact on my finances and reputation. I request your swift removal of all fraudulent information from my credit report and a thorough investigation. I'm ready to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation.

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 2024-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
In XX/XX/year> Social security administration erroneously reported me deceased by a mistake made by an employee at the social security administration. Since this mistake with the social security administration every one of my credit cards except for 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) closed and charged off immediately following of this reporting of me being deceased as I was current on all my payments and was false closure and charge off my credit cards. These credit cards are with XXXX XXXX XXXX  card ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  claiming on all accounts timely payments were not made which is in fact untrue as all these credit cards were closed not allowing me to make my timely payments as of XX/XX/year> when I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was current on all these credit cards listed above prior to closing of accounts as of XX/XX/year>. I have called Midland credit management on numerous occasions requesting a dispute with no response to my dispute. These were also referred to their attorney for further collection/legal action to XXXX XXXX XXXX and I called XXXX and requested also to dispute these collections on all 3 credit cards as it was current due to closing of cards and was violating my FACTA and FDCPA rights for not reporting true and accurate information about my debts and was wrongfully charged off with the original collections. I have begged and pleaded to dispute and seek resolution on these debts with Midland credit management and XXXX XXXX XXXX on numerous occasions and now I am with an legal judgement on these with no right of disputing these claims. I have since recently retained counsel with XXXX XXXX XXXX and was advised by counsel to attempt to seek resolution by filing a complaint through CFPB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I was victim of scam and was requested to send an international wire transfer in the amount of {$2900.00} USD. I initiated the wire transfer that same day and the availability date was XX/XX/year>. 
The scammers pretended to be a well-known travel agency in XXXX. 

On XX/XX/XXXX, I still didnt know it was a scam. They said they had a system issue and I needed to send the same amount again and they would send back the first wire. So, I initiated a wire transfer on XX/XX/year> at XXXX XXXX XXXX  for the same amount of {$2900.00} USD. The availability date was XX/XX/year>. 

On the morning of XX/XX/year>, I discovered that this was a scam. I immediately contacted my bank, Wells Fargo, and provided them with all the details. Wells Fargo submitted XXXX claims for the transactions ( Claim Numbers : XXXX and XXXX ) and assured me that they would request a recall from the beneficiary bank, XXXX, in XXXX. This was done within XXXX hours of initiating the second wire transfer. 

Subsequently, I also filed a claim with the CFPB to ensure timely handling of the matter ( CFBP Case Number : XXXX ). I received confirmation from Wells Fargo that they had received my CFPB claim and were handling my claims accordingly. Based on this communication, I felt assured that Wells Fargo was addressing the issue, particularly the recall process. 

However, on XX/XX/year>, I received an email from Wells Fargo indicating that they had submitted the recall request only on XX/XX/year>. This was after both availability dates and XXXX business days after I had submitted my claims. My concern is the significant delay in submitting the recall request. 

Wells Fargo has since closed the case, stating that the outcome now depends on the beneficiary bank. While I understand that the final decision depends of the beneficiary bank, I firmly believe that Wells Fargo could have expedited the recall request, especially before the availability dates, to increase the chances of recovering my funds.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a LAWFUL CLAIM from I, the aggrieved man, to both XXXX AND EQUIFAX on reporting of information that to this day after multiple years of reporting and damaging to reputation the furnishing of information that remains unlawful, uncertified, non-order from a legal entity such as a court of law, the furnishing of " child support '' as an obligation being supplied, furnished to persons that request consumer reports of XXXX XXXX XXXX. A name that is copyrighted and trademarked. 
Attached is evidence directed from a court of law to XXXX and to be applied to ALL CONSUMER REPORTING COMPANIES including EQUIFAX, XXXX that the reporting of such information is and has been found to be " Unlawfull ''. The supplemental information describes in detail the lawful and unlawful reasons that such information shall not be furnished on a persons consumer report and to be removed immediately as it violates numerous laws and violates constitutional rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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:
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 2024-07-03 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: FL

Complaint narrative:
According to 1666b. A consumer law for late payments being reported on your consumer report .without following the laws and legal practices. On my experian consumer report theres a late payment from a lender. That should be removed because of these laws.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
XX/XX/year> deposited a payroll check at a XXXX anytime ATM for {$3000.00}. The same amount is deposited at the same time every month for the same amount from the same company. We've never had a NSF fee and we've never had a negative account. We deposit over {$10000.00} a month with this bank. They are saying because we made it at a co-op ATM that they don't know what kind of deposit it was and until the co-op bank releases the funds they can't release the funds. So they gave us a seven day hold date. When we make this deposit in the branch it's a two day hold. There should be no reason they hold it for seven days? We have bills that are going to take our account negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: WA

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 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 2024-07-03 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: WA

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 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 2024-07-03 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: NY

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My husband deposited his paycheck into our joint Bank of America checking on XX/XX/XXXX in the amount of {$450.00} by mobile deposit. 
Bank of America debited our account XXXX XXXX XXXX  claiming a " debit adjustment duplicate item. '' I was on the phone today, XX/XX/XXXX, for 2 hours with BOA, transferred 4 times and they told me someone else " got ahold of the check and cashed/deposited it. '' We shred our checks. 
It was written out to MY husband, no one else. HE endorsed it. 
They will not refund the money nor open a fraud claim for us.

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 2024-07-03 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: NY

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
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 Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my initial dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically referencing section 15 USC 1681i, the disputed accounts have been incorrectly verified as accurate.

According to section 15 USC 1681i ( 5 ) ( A ) of the FCRA, unverifiable information must be removed from the consumer 's credit report. I request immediate removal of the following inaccurate items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which does not report this. 
- Date Opened as XX/XX/XXXX, which is not reported by XXXX. 
- Date Reported as XX/XX/XXXX, differing from XXXX which does not report this. 
These discrepancies have been verified as accurate multiple times, violating FCRA 15 USC 1681i ( 5 ) ( A ). This is causing me financial harm. If not corrected, I will seek legal action. My lawyer, 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 explanation
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
I sent a certified letter to all 3 bureaus asking them to correct the accounts that are reporting inaccurate information. I disagree with the accounts listed below, which still appears on my credit reportes, even after your investigation. The accounts below are reporting inaccurate, and hurting my ability to obtain obtain credit and housing, amoung other things. Equifax failed to investigate these accounts properly, after repeatedly asking to have these accounts updated or deleted. Equifax, has once again violated my consumer rights. Im demanding a deletion of the following accounts. 

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 response to consumer: Closed with non-monetary relief