vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
On XX/XX/2024 I bought a car from XXXX and financed it through their in-house financing company, Bridgecrest. On XX/XX/2024, my husband and I closed on a new loan at a much lower interest rate at XXXX XXXX XXXX. The payoff check, as per the amount provided by Bridgecrest, was mailed that same day by the XXXX XXXX. Bridgecrest did not process the loan payoff in a timely fashion. In fact, they debited another payment from my checking account on XX/XX/2024 in the amount of {$530.00}. I called Bridgecrest an inquired when I would receive a refund - they told me that I would receive {$490.00} because the check had not arrived within the 10-day payoff window. It is now, XX/XX/XXXX, and I have not received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive never had a contract with this company XXXX XXXX XXXX XXXX account : XXXX Delete immediately I demand that you cease all collection activities regarding this debt and delete any adverse reporting to any consumer reporting agency or I'll report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
Please send a letter stating that you will delete and stop reporting adverse information to any and all consumer reporting company and comply with my demands. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, sending generic billing statements is not proof but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive never had a contract with this company XXXX XXXX XXXX XXXX account : XXXX Delete immediately I demand that you cease all collection activities regarding this debt and delete any adverse reporting to any consumer reporting agency or I'll report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
Please send a letter stating that you will delete and stop reporting adverse information to any and all consumer reporting company and comply with my demands. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, sending generic billing statements is not proof but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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.
State: TX

Complaint narrative:
XXXX months ago my credit score was perfect I got an alert that my credit score went down to XXXX amd I automatically call Transunion, this was only on transunion and they told me more than XXXX accounts were put in on my credit they were disputed and they remove them all was so happy but my credit score didn't change and I work hard to pay on time and to have my credit score excellent, credit union is reporting my credit score incorrect, I want my credit score correct

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX, XXXX this to whomever can cut a check and mail it out. I am done with wasting more of my time. 
I called your escalations for merchant service yesterday. What a joke. 
We tried to get an address and mailing label to send machine back, XXXX was not responding. They said we were not supposed to bring it into the branch. They said they don't have the machine and I said you mailed it out. 
XXXX wanted the commission and I'm well aware why he did not get us the address or label quickly. 
I need that XXXX sent out to me in a check that was fraudulently pulled from my acct. The machine was supposed to be free. Why would they charge a customer and not get a check out immediately when they make a mistake like this. 
Everyone you all had me talk to said your machine works with phone line and internet line. I have never had worse customer service in my life and for you all to make a mistake this big and not apologize for wasting my time for months is terrible. My saving grace is I never ordered XXXX worth of checks. Your merchant side is truly some of the most untrained people I have ever done business with and for them to question me about why did I bring the machine in to you instead of apologizing and stating let me get the funds that they took out of your acct asap is disgusting. I sent them all XXXX emails that I sent to XXXX XXXX as I tried to send this machine back and they said you should not have taken the machine, I said XXXX was just trying to salvage my other Accts at this point as your merchant side is the reason I left. 
If this is not resolved and a check sent out I shall contact an attorney regarding you all taking money from my acct when they knew the machine was no cost, and lied about what the machine could do. I am on the beach. I need a machine that does landline and internet. The internet goes down all the time. I said that XXXX times. Also, Who advertises free machine and then pulls XXXX out of someone's acct when they assured the customer that this device worked like my XXXX. Train these people at merchant services before they cost you more business. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Open XXXX Brunch Only 5 days a week Closed Tuesday and Wednesday Text XXXX @ XXXX This is one of many emails I sent to the branch manager at XXXX this XXXX XXXX XXXX sent the machine back because it did not do internet and landline and my only saving grace is that u did not order XXXX in checks. They have approx XXXX of my money and will not send me a check even though they told the branch manager they did I have a lot of emails I can send to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have a student loan company that report to my credit report that I havent been making payments. When I have. Also, some of the times I try to loan on there webpage. The page is not working. Other times I call to make a payment the automated service says my account, social, and birthday info I give them doestt match what they have. But want me to make a payment when Im a day late on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: WI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to Equifax multiple times to get these hard inquiries off my credit report. The XXXX XXXX ones should be off as they are for real estate and should not be pulling as they over a year old. XXXX is also a real estate and is XXXX XXXX XXXX and should be deleted. Please have them fix this, I am trying to improve my credit score to buy a new home. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposit {$1900.00} at Wells Fargo ATM XXXX, which is located at XXXX XXXX XXXX, Florida, on Saturday, XX/XX/XXXX at XXXXXXXX XXXX The ATM began counting money till XXXX, but then it gave me an error message and returned four notes ( I was given back XXXX dollars ). 

The ATM asked me to enter the amount I was depositing. When I entered XXXX, the machine provided me with a receipt. According to the receipt, I was credited XXXX XXXX while my deposit was being examined. 

I received an email shortly after the message informing me that my Deposit was going to be review. When I called at XXXX, I spoke with a Wells Fargo operator who mistreated me and didn't have the updated information. He informed me that the machine will count the money at XXXX and that it would be at your account either after XXXX or early the next day. I attempt to fully describe the circumstances to this manner. 

I was planned to use the money to pay bills and for a vacation to see my family the following Monday, so this is incredibly painful for me. And I tell them so. I also ask them a few questions, and I ask them to offer me a temporary credit or to tell me about other possibilities or how the process works. 

Following that, on Monday, XX/XX/XXXX, at XXXX, I contacted the bank for XXXX minutes. They asked me again how much money was in the deposit, and I was told the same thingthat the ATM would count the money and that I would hear from them after XXXX or tomorrow morning. 

Then, on Monday, XX/XX/XXXX, at XXXX XXXX, I called once again to make sure everything was clear regarding the deposit and everything. They asked me the same questions and informed me that I was assing my case to someone. I waited XXXX more minutes. 

I called again at XXXXXXXX XXXX on XX/XX/XXXX. After XXXX minutes, I discovered that the bank had lost track of my previous statements, including the amount of the deposit. This has an impact on both my personal and financial life. I truly need assistance from someone.

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 2024-05-22 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: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX has violated both FDCPA and Fair Credit Reporting by adding back a fraudulent account to my credit report simply because the fraudulent creditor called them. I mailed out a certified packet which I have attached here confirming this is account was opened fraudulently without the proper authorization. XXXX XXXX then deleted One Main Financial the fraudulent account opened without my signature or that of my POA only to add them back on 4 days later simply because the creditor called them. At this point I have retained an attorney and have multiple causes of actions against XXXX XXXX for adding this fraudulent account back on my report. They refused to delete it and block the creditor even with a security freeze. The same attorney will also be suing One Main. Everyday that this information remains on my report is a daily damage to my persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain 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 2024-05-22 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.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-05-22 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I am a consumer and this is not a third party filing this report. I have attached several documents for your review. Please look over them carefully and see how the credit reporting agencies are violating my consumer rights by reporting inaccurate information on my report. 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 explanation
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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