vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-12-30 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-12-30 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-12-30 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 2024-12-30 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: TX

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this 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 explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this 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 explanation
Consumer complaint received 2024-12-30 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
CPFB I appreciate you. See attachment. I was ready to pay my bill on XX/XX/year>. It's about to XXXX and I'm still not able to pay it. Whenever your issue is fixed, I will resume paying that payment due of {$110.00} AND NOTHING ELSE! I'm not playing catch up and the confusing and shaky foundation yet sense urgency to pay the bill makes me feel this is a scam. I'm not rushing to give anyone my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debts To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am writing to formally request that you immediately cease and desist all communication with me, including phone calls, letters, emails, or any other form of contact regarding the following accounts : Credit Corp Solutions , Inc. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I dispute the validity of these alleged debts, and I request no further contact from your organization or any representative associated with it. 

Please be advised that this request does not authorize you to report false information to any credit reporting agency. Additionally, this communication serves as a formal notice that any continued attempts to contact me regarding these accounts may constitute a violation of federal law, subjecting you to potential legal consequences. 

Send all future correspondence, if any, regarding these matters to me in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
A few years ago I contacted Lexington law to repair my credit I even sent money before hand and never got serviced

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I've already filed one complaint on credit karma for this exact matter and the investigation was closed I guess because they responded to it when they really didn't per se respond to the complaint they sent me an email it didn't address the issue at hand it didn't fix anything it literally just stated the same exact information that they've sent me and nothing 's happened since. I've even contacted the company XXXX XXXX XXXX credit karma directed me to and said that the prepaid card would be coming from. XXXX XXXX XXXX has notified me that there is no order for a prepaid card in my name from credit karma point blank. I've researched several other instances where credit karma has given the prepaid card to a few users and it came extremely quickly I'm pushing XXXX months now and in their terms it says that the card must be redeemed within 90 days they're trying to push out the 90-day Mark so they don't have to pay me so they just wait 90 days claim expires they don't have to pay me which is wrong it was a karma guarantee I was not approved and {$50.00} is due to me I don't understand why XXXX XXXX company can't pay a user XXXX bucks that they've " karma guaranteed '' .. that's not good karma in my opinion. And it's been well over the time frame that credit karma stated that they should have sent the order to this company the 30 days of the 60 days whatever it is it's past that so this is ridiculous. 

To attached screenshots is one from credit karma responding to the initial complaint stating that they're providing me a link to choose my gift card all that did was I opened it up clicked it it asked me what kind of gift card I wanted I clicked it and then it said okay we'll send it to you at a later date that's all it did it's not they didn't solve anything they didn't fix anything they literally just did the same exact thing that I've claimed they did from the get go The second screenshot is from the company that they said that they sent the order to for the gift card and that I would receive the gift card from this company and they're stating that they haven't even received an order for the gift card whatsoever so they're literally lying to me if they're told you that they fixed it they are lying to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Home Mortgage has re-evaluated my mortgage and escrow account twice within six months without notifying me. I received no phone or email correspondence until they attempted to collect a debt. When I was notified by phone I paid the remainder of the escrow balance but my payment still changed without notification. Wells Fargo recently ( on or around XXXX XX/XX/2024 ) notified me that my mortgage wasn't paid due to a shortage of approximately {$21.00} on the account. I asked how that was possible since the automatic payment was already sent ( see attached bank statement with payment on XXXX XX/XX/2024 for XXXX XX/XX/2024 ), and I was informed that my mortgage had been re-evaluated for a second time in about 6 months. When I attempted to pay the balance of {$21.00} on their website they refused to accept any less than another full payment. As of the filing of this complaint their website also reflects {$0.00} of the automatic payment for this month. This practice is deliberate and predatory. I would like my account restored to good standing, and any attempt to report XXXX 's mortgage payment to any credit agency be blocked.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: LA

Complaint narrative:
I ACCIDENTALLY LOGGED OUT OF MY ACCOUNT ON THE APP, AND WHEN I TRIED TO LOG BACK IN I RECEIVED A MESSAGE SAYING, " YOUR ACCOUNT HAS BEEN PLACED ON HOLD FOR YOUR SECURITY '' ... I RECEIVED A EMAIL STATING THAT I NEED TO SEND IN A PICTURE OF MY IDENTIFICATION, AND A BANK STATEMENT / LETTER.. WHICH I'VE DONE, AND I EMAILED THEM ASKING THEM WHAT'S GOING ON ALL I RECEIVED WAS XXXX EMAIL FROM THE SUPERVISOR TELLING ME THAT IT'S BEING REVIEWED AND THAT I WOULD GET ANOTHER EMAIL WHEN THEY HAD MORE INFORMATION.. I TRIED CALLING THE XXXX NUMBER CUSTOMER SERVICE AND I CAN'T EVEN GET THE OPTION TO SPEAK TO ANYONE.. IT TELLS ME THAT I SHOULD HAVE RECEIVED AN EMAIL AND IF I HAD ANYTHING ELSE THAT I NEEDED TO TALK ABOUT I CAN EMAIL THEM AT THE WEBSITE THAT THEY SENT ME THE EMAIL FROM ... NOT TO MENTION, I DIDN'T RECEIVE MY DIRECT DEPOSIT UNTIL AFTER CHRISTMAS SO I HAD TO GO THROUGH CHRISTMAS WITH MY GRANDKIDS WITH NO PRESENTS FOR THEM I EMAILED THE MULTIPLE TIMES ON CHRISTMAS DAY AND EVERY TIME I EMAIL THEM I GOT A RESPONSE ALL DAY THROUGHOUT CHRISTMAS AND NOW THAT MY MONEY IS LOCKED UP I CAN'T GET THEM TO RESPOND BACK TO ME FOR THE LIFE OF ME... AND THERE'S NOTHING SUSPICIOUS ABOUT MY ACCOUNT.. THE ONLY THING I DO ON MY ACCOUNT I BORROW FROM CREDIT UNION A CASH ADVANCE, EMPOWER AND I HAVE A CASH ADVANCE FROM XXXX ... AND I TRANSFER MONEY FROM MY XXXX ACCOUNT TO MY CASH APP WHEN I RECEIVED MY MONTHLY BENEFITS.. IT CAN'T BE LEGAL FOR THEM TO HOLD MY GOVERNMENT BENEFITS FROM ME LIKE THIS... I HAD ALL MY BILLS ON EXTENSIONS AND NOW I HAVE TO PAY LATE FEES, BECAUSE I DIDN'T PAY MY BILLS ON TIME I HAVE XXXX LATE FEES I ALREADY LIVE ON A FIXED INCOME I CAN'T AFFORD THESE LATE FEES.. THIS IS RIDICULOUS.. I CAN BARELY AFFORD TO BUY FOOD EVERY MONTH. IT WOULD BE GREATLY APPRECIATED IF SOMEONE CAN TAKE THIS MESSAGE INTO CONSIDERATION AND GET BACK TO ME AS SOON AS POSSIBLE I CAN REACH THAT XXXX OR XXXX THANK YOU, AND HOPEFULLY YOU'RE HAVING BETTER DAYS THAN I'VE BEEN HAVING .... HAVE A VERY BLESSED DAY ... PS, I'M ATTACHING SCREENSHOTS OF THE MESSAGE I RECEIVED FROM ME TRYING TO LOG INTO MY APP... AND IF I CAN ATTACH MY EMAIL FROM THE SUPERVISOR I WILL...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: LA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debts To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am writing to formally request that you immediately cease and desist all communication with me, including phone calls, letters, emails, or any other form of contact regarding the following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX I dispute the validity of these alleged debts, and I request no further contact from your organization or any representative associated with it. 

Please be advised that this request does not authorize you to report false information to any credit reporting agency. Additionally, this communication serves as a formal notice that any continued attempts to contact me regarding these accounts may constitute a violation of federal law, subjecting you to potential legal consequences. 

Send all future correspondence, if any, regarding these matters to me in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-12-30 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: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 
15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ...,

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