vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-10-09 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: MD

Complaint narrative:
Hi, They currently have an address that does not belong to me. Please see attached. Thank you for your cooperation.

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 2023-10-09 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: WI

Complaint narrative:
Hi, Equifax is reporting fraud information on my credit report from a 3rd party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop 38 points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much, XXXX points!! This is hurting my goals of buying my 1st home & new car! I'm so devastated & need Equifax & or the company to remove this fraud immediately from my credit & ALL OF MY CREDIT REPORTS! Both XXXX XXXX XXXX XXXX Equifax are violating my rights & breaking the law. I have uploaded supporting docs. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NY

Complaint narrative:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

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 2023-10-09 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-10-09 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

NEW AMERICAN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Army and Air Force Exchange Service
State: AL

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, 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 2023-10-09 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:
I applied for a XXXXXXXX XXXX XXXX on XX/XX/23 and got denied, regardless of the reason for being denied I have the right to credit, withholding my access to my Securities is Securities fraud youre violating the Equal Credit Opportunity Act and consumer credit protection act since you are denying me my credit please retract my application thank you. XXXX XXXX XXXX attorney in fact for the all-capitals name 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XX/XX/2020 I contacted experian, XXXX, and equinox about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, equinox deleted the inaccurate information but experian and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. The XXXX  XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.

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 2023-10-09 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: CA

Complaint narrative:
I am filing to formally present a complaint against Experian and XXXX Bureaus regarding unresolved issues in my credit reports. Despite previous attempts to address these issues, they remain unaddressed. I kindly request the removal of the following fraudulent inquiries from my credit file : EXPERIAN 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 2023-10-09 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: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a Discover Credit Card on XX/XX/23 and got denied, regardless of the reason for being denied I have the right to credit, withholding my access to my XXXX XXXX XXXX fraud youre violating the Equal Credit Opportunity Act and consumer credit protection act since you are denying me my credit please retract my application thank you. XXXX XXXX XXXX attorney in fact for the all-capitals name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I have had my student loans in repayment for sometime. I realized that Mohela the servicing company was not correct in the way the handled interest capitalization. They capitalized my loan way past the legal 10 % of interest level. Not only that there is no clear understanding of the information on the Customers internet Screen at the website. There is a rule that would allow me to re dive forgiveness based on the number of deferment years listed and the timeframe that I have been in repayment.

There is a rulle that says after consolidation of all y loans, the loan in the oldest repayment period would qualify me for forgiveness of all loan debt. On the student aid website the simulator confirmed that I can apply for the 20 year IBR plan. I did and is expecting forgiveness. But the information on Mohela Loan Servicing company Website is not agreeing with the
department of education student aid records. I would like to have Mohela correct its records based on department of education records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My issue is that in XXXX of this year I disputed a charge from XXXX XXXX  and the investigation was found to be in my favor. I was told by a rep ( XXXX on XX/XX/XXXX ) at the card company that on XX/XX/XXXX the amount of {$230.00} and change was credited back to my account and then on XX/XX/XXXX it was refilled and then recredited on the same day and then again rebrilles on XX/XX/XXXX. It is not clear why, even to the representative. I had spoken to many representatives all telling me different things. 3 of them ( XXXX who I spoke to on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ) all promised me a refund that they have still not credited me. Im not only confused about how this charge keeps appearing, but also how a company could keep promising a refund and not delivering. Also how they keep recharging me and not even notifying me why!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
I try to use the ATM machine and I tried to withdraw XXXX $ and XXXX because the machine goes by XXXX and it went through but no funds came out it did not give me nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the third request. Claim # XXXX. This should have been one claim with Wells Fargo, not two. This claim was made once my old card was declined, and I received a notification that my new card had been activated. I NEVER RECIEVED MY NEW CARD. Wells Fargo has said that I'm lying and technically committing fraud stating that the {$2500.00} dollar withdrawal or bank transfer or bank transaction was completed by me or someone I authorized to use my account. Which is all not true. The details to this transaction I don't feel have been properly investigated. The first half of my claim ( which Wells Fargo separated on their own # XXXX in the amount of {$1200.00} ) was returned to me. I did not file two separate claims. These transactions happened on the same day and apparently with the same card which i was not in position of. The replacement card that I did not activate and was not in possession of. But yet they have sufficient evidence to overturn those transactions. The investigation was not completed, or the investigator is limited. She did not have the answers when she called either. This is my original complaint that they closed. 


Replacement card was ordered. Never received it. Old card was declined ( XXXX XXXX ) while trying to buy lunch. prompt me to check my checking account. That is when I saw an atm withdrawal, of {$1000.00} then a, " In branch '' withdrawl of {$2500.00}, a restaurant charge of {$50.00}, and a motel room charge. Called Wells Fargo to report the transaction and to advise them I did receive the replacement card, I only was in position of the original card that I was requesting to replace. They then closed account and reopened a new one and said they would investigate it. I received two separate letters dated 3 days after the claim was filed, that the claim was denied because someone I knew, or I performed this transaction with use of a pin number. I have reached out to escalate the matter. i was told an investigator would contact me in two days. This has not happened. I was told the XXXX dollar was an ACH withdrawal. we asked what that meant, and she couldn't really explain. We have filed a police report with our local pd.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing to formally present a complaint against XXXX and Equifax Bureaus regarding unresolved issues in my credit reports. Despite previous attempts to address these issues, they remain unaddressed. I kindly request the removal of the following fraudulent inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09 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: CA

Complaint narrative:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or customer service representative. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09 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: CA

Complaint narrative:
This is your final opportunity to process my identity theft request appropriately. Failure to do so will compel me to seek a legal remedy in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured as a result of this issue. I am confident that the material facts will become glaringly evident, and you will be held responsible for your negligence. Should you persist in denying my position, I want to make it ABUNDANTLY CLEAR THAT I AM PREPARED TO ENGAGE LEGAL COUNSEL to pursue a legal remedy. I insist that my identity theft claim be processed meticulously, in strict adherence to the letter of the law. To substantiate the gravity of my identity theft claim, I am providing you with a comprehensive law enforcement agency report, which has been duly filed with a federal agency. It is imperative that we expedite the resolution of this matter within the legally mandated 5-day timeframe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts 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 2023-10-09 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: CA

Complaint narrative:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or customer service representative. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief