vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/17 I spoke with banker trying to refinance loans and cars. The credit from XXXX XXXX did not reflect the same with XXXX XXXX XXXX. From the XXXX side my score was XXXX From XXXX XXXX it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to XXXX XXXX XXXX XXXX to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to XXXX XXXX XXXX XXXX to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.

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 2023-07-17 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed a charge on my credit card from XXXX for the amount of {$110.00} charged on XX/XX/XXXX. I have never been or made any purchases from this website. I immediately filed a disputed transaction claim online and Wells Fargo confirmed they were investigating the claim. I received multiple emails from Wells Fargo in the next XXXX confirming they were still investigating the claim. 

On XX/XX/XXXX, I logged into my account and saw over XXXX charges from XXXX over the past 30 days. There were multiple charges that occurred on the same day. This was clearly a case of credit card fraud. I called Wells Fargo and immediately cancelled my credit card and had all the additional charges added to my disputed transaction claim. Over the next several weeks XXXX reversed over XXXX charges. I assumed Wells Fargo was working with them to reverse the fraudulent charges. 

On XX/XX/XXXX I received a letter from Wells Fargo stating they had completed their inquiry and determined I was responsible for 25 transactions from XXXX totaling {$450.00}. The letter states, " The merchant verified your personal information, which may include name, address, phone number, email, account number or card expiration date. Based on this information, we've determined the transactions to be valid '. I do not understand how this qualifies as evidence that I made the purchases. Most credit card companies would have flagged multiple purchases as fraud immediately. 

I contacted Wells Fargo numerous times over the next several months asking for evidence that I made the purchases, specifically email confirmations, tracking numbers or proof of delivery. The associates I spoke to on the phone were very sympathetic and requested a review of my case. However each time, I would receive a follow up letter from Wells Fargo denying my claim and continuing to insist I am responsible for the {$450.00}. They never provided any additional evidence that I authorized the charges or received any merchandise from the vendor. 

I would like to note that I have been a cardholder for over 10 years and have had an excellent relationship with Wells Fargo prior to this dispute. I am attaching the initial dispute claim showing the over XXXX charges from Wish.com as well as the correspondences I have received from Wells Fargo XXXX none of which provide any evidence of why I am responsible for the fraudulent charges.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The information listed below is being reported on my credit profile incorrectly, I've asked the bureau 's to remove the inaccurate information numerous times but I have yet to receive a response. I would like for XXXX Transunion and XXXX to do a thorough investigation on incorrect accounts reporting on my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX negative XXXX opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Important Messages

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The information listed below is being reported on my credit profile incorrectly, I've asked the bureau 's to remove the inaccurate information numerous times but I have yet to receive a response. I would like for XXXX XXXX and Equifax to do a thorough investigation on incorrect accounts reporting on my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX negative XXXX opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Important Messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : This letter is regarding inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX 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 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b and seriously breaches my privacy rights. I further remind you that, as in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act Enc. Driver 's License, SSN card, and Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/ I was a victim of fraud using my Navy Federal checking account. There was a member to member payment placed in my account in the amount of {$4500.00} from a member that I dont know and never had any sent or received money from. The exact same day and debit from my checking account was done in the amount of {$4000.00} to XXXX XXXX. I didnt make any transactions at all and have been a victim of fraud but Navy Federal is not investigating this issue. I submitted a complaint and it was dismissed with no information. They didnt explain how they came to the conclusion just denied it. I also submitted a complaint to XXXX XXXX  serval times but there is no one I can speak with to successfully resolve this issue. Im frustrated because this has turned my life upside down. I need this to be properly investigated. The letters I received from Navy Federal as well as XXXX XXXX does not show proof that I made these transactions and its sad that they wouldnt provide the proof since theyre adamant on denying my claims. Im angry that I have several products with Navy Federal and this is how their treating their members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I applied to this company to lease an apartment with them during the Pandemic. I was not allowed due to XXXX restrictions, to see the unit. I paid the application and move cost online and picked up the keys at a mailbox. My first day moving in, I found the apartment was infested with roaches, dust and spider webs. I sent pictures to management and advised that I would not be moving in. 
Most of my application fees and deposits were returned, less rougly {$150.00}. After two months, I received this bill from the apartment complex, stating I owed {$97.00}. I spoke with the manager, and was told not to worry about it ; this was over three years ago. Now this has appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : XXXX XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX RE : Jefferson Capital System I have sent numerous letters to the credit bureaus advising them I do not have a contract with Jefferson Capital System, and I have asked them repeatedly to produce a contract with this collection agency showing I owe this debt to them, but to date, they have not produced a contract. 

On XXXX, XX/XX/, I was contacted by an agent from Jefferson Capital System stating they are a debt collecting agency and I owe them for a contract I had with XXXX XXXX. 

I advised the caller I did not owe Jefferson Capital System anything as they had not produced the contract for services rendered. 

On XXXX, XX/XX/, I received an alert from my credit reporting subscription where Jefferson Capital System increased the amount of the collection. 

I believe this updated report was done with malicious intent causing my credit score to be lowered. 

I have filed a complaint with the XXXX XXXX XXXX to report their malicious and unethical practices. 

I am not liable for this debt with Jefferson Captial System as I do not have a contract with them as they have not provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) XXXX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by Experian, XXXX, and XXXX. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. 

The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. 

What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with Experian, XXXX, and XXXX reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. 

The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I XXXX face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. 

In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
To Whom It May Concern : XXXX XXXX Discover Bank Account No : XXXX I have contacted Discover Bank card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$370.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Discover Banks ' third-party collecting agency XXXX XXXX XXXX XXXX but as of my latest credit report, this debt is still listed as owed and does not reflect a XXXX balance. 

I have attached a copy of the communication from XXXX XXXX XXXX showing this debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ZuntaFi Corp
State: TX

Complaint narrative:
THis loan is based off of fraud the medical company XXXX XXXX XXXX XXXX sells fraudulent services. Marketed at men with XXXX XXXX. THey don't have a set price for there service they ask a series of questions including what your annual income is and they charge you based on your income rather than for the service. ZUntafi provides the loan and they are well aware of the deceptive practices because they would have had to vet the company before agreeing to provide financing for their services. 

Charging different prices for the same service violates the law. 

Zuntafi is reporting this fraudulent account to the credit bureaus. It needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2022 my wallet and identity were stolen. I immediately file claims with financial institutions affected and as well as all other accounts I have. I obtained a new driver 's license and filed an online police report. I continued and continue to have new inquiries on my credit report even though I have placed a lock on my credit. Somehow the thief continues to be able to have access to my credit. Unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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