vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX experian, and XXXX by phone and have received no help.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
Sent a letter to a former address informing me of a debt with a random amount owed from a 2001 account that was paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have asked XXXX and XXXX to do a thorough investigation of this account and provide proof. Both credit bureaus have failed to do so. I have found numerous inaccuracies with this account and they are both reporting different information. It is the same account so the information should match up. I have attached proof of the inaccuracies and I am requesting for this to be deleted.

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 2023-04-28 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: CA

Complaint narrative:
I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/ Hard inquires below XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I originally took out this loan for a home repair. The tech did not do the work, and I had to have the work done by another company, which I just paid for myself. The original company was and is aware that their tech did not do the work to fix the issue and is not charging me anything else. 

The problem is Affirm. I have repeatedly explained the situation to them, and they are still harassing me for payment. The other company is aware of what happened, but I can not get these companies to communicate. Affirm just keeps harassing me with calls and emails. Today they called me at XXXX XXXX. Enough! 

Now I also have come to understand they can and will report me to the credit bureaus for non payment. And I am sure they will too, despite me not owing the amount they are harassing me about anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, there were multiple fraudulent charges made with my Bank of America debit card. I was notified by the bank that there were suspicious charges and asked to verify if them. At that time, I saw an initial charge of {$1400.00}, followed by multiple other charges ranging from XXXX down to {$330.00}, totaling just under {$4000.00}. I spoke to an agent that verified only XXXX of the fraudulent charges and then refused to verify the others. I was told I needed to go to a bank branch if I had other concerns and that she could not help me with anything else. This conversation was supposed to be recorded by Bank of America, as well as the several other calls that followed over the next months. I went to the bank and was told they could not help me other than connecting me by phone to their remote fraud department. When I spoke to the agent over the phone, she asked me to report any other charges that I did not recognize at that time. I had a printed list of transactions and I highlighted those I did not recognize, notably the largest transaction of {$1400.00}. There were several other transactions that were processing and I was told I had to wait until they were done processing to claim them. I was also told they were going to fall off, which most of them did. I do share the account with my husband and accidentally identified a few charges that belonged to him. About a week later, I received notice that the claim was denied because some of the charges claimed, were made by my husbands debit card. I was advised to request to reopen the claim by writing a letter and specifying that the transaction I am reporting was the {$1400.00} charge. That was on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received my money. I have been given multiple updates by calling and none of them have actually been congruent. I made an additional visit to the bank and sat with an agent while on speaker phone with a fraud specialist and was told that they were about to write it off and we should be expecting to see our funds in 10 days. That was on XX/XX/XXXX. I made another call today and I was told that they are still waiting on the merchant to respond, but that they have not so far, and likely will not. I was told it was unlikely I will receive my money back. Please help us to get our money back from Bank of America. Thank you for your help!

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 2023-04-28 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: OH

Complaint narrative:
I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from 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 2023-04-28 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: GA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-28 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: VA

Complaint narrative:
I'm composing this complaint to EXPERIAN Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

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 2023-04-28 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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. 

The dates and companies listed below have violated my rights on the dates listed below. 

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 2023-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Hello, In XXXX of XXXX  my credit report showed a debt balance of {$1100.00}. The ordinal creditor is XXXX XXXX. When I gave them a call that this was NOT me and gave them my social security to run nothing came back from there end. They suggested for me to call the debt collector since from my end it did show it was in collections already. I procced to give the debt collector a call as well which is National Credit Adjust and mentioned to them as well that this debt does not belong to me. I gave them my social security number as well so they could run and same thing happened. Nothing came out from there end. All they had to say was once it did show from there end, they would give me a call back. I need this removed because firs offt it does belong to me, so this is a identity theft issue. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry.

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank You

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 2023-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry. 

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank You

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 2023-04-28 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: VA

Complaint narrative:
I'm composing this complaint to EQUIFAX Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept of educatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed

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 2023-04-28 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: OH

Complaint narrative:
I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
Notified via email from collection agency agency. Notification did not provide ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and violating Official interpretation of Paragraph 6 ( d ) ( 4 ) ( ii ) ( C ) ( 1 ).

The document attached to email provided simple method to verify or dispute debt but not to remove email as commination method.

In addition authorization for email contact was revoked from " original creditor '' prior to notification from collector as this is a shared email. Violating number 3 of same regulatory article.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I was charged a large amount of overdraft fees and after it not being resolved, I closed my account in 2022. I did not receive a settlement regarding this and would like one.

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 2023-04-28 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: OH

Complaint narrative:
I have no knowledge of the account from XXXX XXXX Acct # XXXX, XXXX, XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear XXXX, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I went on the collectors website to look up my account and it is no longer there. They are required to report to all credit bureaus and stop reporting me with a debt in collections and have it taken off my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation