vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo Claims Department, Subject : Request for Reinvestigation of Claim # XXXX I am writing to formally request a reinvestigation of Claim # XXXX regarding a {$2900.00} transaction dated XX/XX/year>. While I authorized this purchase, I have not received the item as described, and the handling of my case appears to have overlooked key details. 

Summary of Concerns : Tracking Number Provided Indirectly : After my initial dispute, the merchant provided a XXXX tracking number to Wells Fargo but did not share it directly with me. 

Inconsistent Evidence Provided by Merchant : When I disputed again, the merchant eventually sent me a XXXX tracking number along with a blurry image of a used XXXX shoe box with newspaper from XXXX, which is entirely inconsistent with my purchase. 

My purchase was a luxury XXXX  bag, and the image provided does not reflect this item. 

The blurry photo provided by the merchant does not clearly show the ordered merchandise. The image includes an XXXX package and a used blue XXXX box, which are unrelated to my order. 

When I initially stated I did not receive the goods, it was because I could not relate an empty, used XXXX XXXX to the luxury XXXX  bag I ordered. This discrepancy remains unresolved. 

Misrepresentation of Dispute Details : The bank has repeatedly stated that my dispute was based on an unauthorized transaction and non-receipt of goods. 

While I did claim non-receipt, I clearly stated that the transaction was authorized but the item I paid for was not delivered as described. 

The merchants submission of a generic XXXX tracking number does not address the core issue that the goods delivered ( if any ) are not the items I purchased. 

Supporting Documentation : To assist with the reinvestigation, I have attached the following evidence : The XXXX tracking details. 

The image was provided by the merchant. 

Request for XXXX : I respectfully ask for your assistance in : Reopening this claim for a thorough review. 

Investigating the merchant 's failure to deliver the purchased item as described. 

Issuing provisional credit during the investigation, if applicable. 

Please let me know if additional documentation or clarification is needed. Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are 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 explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
Once again I must write to get a resolution to Equifaxs continued negligence and repeated false reporting of inaccurate and fraudulent info on my consumer report. 
This notice is to inform you that you unlawfully reported numerous accounts on my consumer report AFTER I gave notice of Identy theft : I have been included in and harmed again by another Equifax data breach. This complaint has been filed based on FCRA 605B ( 15 U.S.C. 1881 c-2 ), Equifax CRA must block and remove info appearing on my consumer report that is a result of identity theft and fraud w/in 4 biz days of you receiving this complaint. 

I have called and written Equifax multiple times in the last 6 months to correct this and to get a copy of my consumer fico report mailed to me. They refuse to correct my mispelled address also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-24 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: MN

Complaint narrative:
My XXXXXXXX XXXX XXXX XXXXXXXX credit cards are lost/stolen. The lost/stolen XXXX XXXX XXXX accounts is currently showing and listed on my XXXX XXXX XXXX Experian and XXXX credit report. My lost/stolen XXXX XXXX XXXX  XXXX account XXXX is : XXXX and XXXX. Some of the transactions on my lost/stolen XXXX XXXX XXXX XXXX credit card accounts are fraudulent and unauthorized transactions.

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 2024-12-24 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: FL

Complaint narrative:
Subject : Formal Dispute of Unverifiable and Inaccurate Information Reporting Dear Compliance Department, I am writing to formally dispute the accuracy and validity of several items currently reported on my credit file. Despite previous disputes, these items continue to be reported without verification or legitimate evidence supporting their accuracy. The continued presence of such items is unwarranted and violates federal law. The specific accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations The reporting of these items constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws, including but not limited to : 15 U.S.C. 1681c-2 : Block of Information Resulting from Identity Theft.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

Required Action Pursuant to 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of these accounts immediately upon receipt of this letter, along with appropriate documentation already provided. You are obligated to take the following actions within four ( 4 ) business days : Cease all reporting of the disputed accounts. 

Provide written confirmation that these items have been removed from my credit file. 

Failure to comply with this request will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages caused by your noncompliance. I reserve the right to seek compensation for financial harm, emotional distress, and attorney fees incurred as a result of your violations. 

I trust you will handle this matter with the urgency and seriousness it deserves. Please send your response and confirmation of the resolution to the contact information listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
Ive found errors on my credit report under 15 USC 16c-2. Unauthorized hard inquiries are included, and theyre hurting my credit. Kindly remove them.

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 2024-12-24 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-12-24 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXXXXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be 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 2024-12-24 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX {$340.00} XXXX XXXX  BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$75.00}

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 2024-12-24 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: NC

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 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
In approximately the mid to end of XXXX  I switched from XXXX to my current company and returned the XXXX XXXX to XXXX. I spoke to them on the phone a few months after as they called and said I owed approximately {$1100.00} but I asked them to look in their system and verify they had received the phone back in which they did. So the male representative on the phone said he removed the owed amount as the phone was also marked in excellent/pristine condition and nothing else was needed. I do NOT owe this. Ask them to GPS locate the phone as it is not in my possession and hasnt been for YEARS! It should show everything from that phone was transferred to another XXXX, all my personal info wiped from it, resett to factory settings, turned off, and sent back to their facility where it has been ever since unless they resold it which highly likely is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
In compliance with 15 USC 16c-2, I request the removal of unauthorized hard inquiries on my credit report that are inaccurately affecting my credit.

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 2024-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The hard inquiries listed on my credit report are unauthorized and contradict 15 USC 16c-2. Please correct this by removing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have identified unauthorized accounts on my credit report that may have been added without my consent, potentially due to identity theft. Please remove these fraudulent entries 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This edict serves as my official consumer COMPLAINT regarding your injurious and unlawful reporting of information that is either or all of the following : UNTRUE, INACCURATE, INCOMPLETE, UNVERIFIABLE, INVALID, NOT compliant with the perfect and full XXXX XXXX format reporting standard, and/or NOT CERTIFIED, as is MANDATORY for lawful reporting of ANY claim of derogatory or delinquent status versus any consumer. 

You have listed a derogatory and/or delinquent student loan on my credit file, as noted below. I hereby rightfully request and DEMAND that you immediately and permanently remove and block this misinformation in full accordance with regulatory laws and reporting standards. This includes, but is NOT limited to, adherence to the following : The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ), and Mandatory compliance with perfect and XXXX XXXX XXXX format reporting. 
This notice serves as my formal request for you to : CHECK for absolute and undoubted VALIDITY of the claim ( XXXX ). 
Provide physically verifiable and CERTIFIED XXXX XXXX compliant reporting of the validated claim ( XXXX ). 
Accept my DISPUTE of any UNTRUTHS, INACCURACIES, or INCOMPLETENESSES regarding physically verifiable validity. 
Accept my challenge to any claim that fails to meet perfect XXXX XXXX compliant reporting standards. 
Any deficiencies in validity, compliance, or timeliness of your response are rightful grounds for me to DEMAND and COMPEL you to fully comply with lawful reporting obligations. Otherwise, I reserve the right to seek suitable resolution and monetary relief in a civil court of my choosing. 

In accordance with FCRA 611 ( a ) ( 7 ), you are REQUIRED to provide a document description of the precise and adequate procedure ( s ) your agency utilized in providing and obtaining this particular derogatory and/or delinquent student loan. This includes, but is not limited to : Whether the information was obtained by a third-party originator, and How it was handled and/or transferred to or by your firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> - Balance : {$0.00}

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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