vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act ( Bankruptcy Reference # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-03-04 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2024 Removal of inaccurate name and addresses listed on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I lost my home XX/XX/XXXX during the recession when at the request of Wells Fargo I filed a Deen in Lieu. I could not get a job paying enough for my payment and Wells Fargo sent me a payment modification trial offer and I made the agreed payments on time, I was working but temp jobs like XXXX Census that didn't pay enough for my regular payment. Then they denied the modification and put me in foreclosure. I know I complied with everything and they would not give me a reason that they denied it. 
Then they offered me {$3000.00} to do a Deed in Lieu, so I agreed to that and did the Deed in Lieu but they did not pay me the {$3000.00}. I filed a complaint, and I do have have the documentation that they received it, and they said they would do an Independent Foreclosure Review but nothing ever happened. It was a terrible time in my life and I had to move in with my son. Suddenly in the beginning of this year, I got a check from the for {$200.00} and letter saying they may have made a mistake denying my modification. I called them right away but just got shuffled around to different people. I finally found out it was being handled by XXXX XXXX XXXX, they won't give their last names or email, and she will not call me back. She sent a letter and said they did nothing wrong and if I disagreed to fax her documentation from over 12 years ago. It took me awhile but I found a lot of documentation and faxed it to her, but she still will not call. Please look into it. I did the best I could to recover from it, but it took years and years. When I got the {$200.00} check I just started crying to think I could still be in that home I loved.

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 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
My name is XXXX XXXX and through this website, I want to file a complaint against Absolute Resolutions Investments LLC. 

On XX/XX/XXXX, I filed an arbitration process against this company through the XXXX XXXX XXXX, but the XXXX denied the administration of the case because Absolute Resoluciones Investments, LLC did not comply with the XXXX 's requirements policies relating to consumer complaints. 

This situation has been stressful for me and affected my life in all aspects, I have spent time and money trying to resolve this but the company is evading its responsibilities. 

It is for this reason that I request an investigation into this matter, please see the attached document as proof of what I am alleging. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
XXXX and transition MUST report the account with EDFinancial to be reported as paid as agreed with no late payments in accordance with the corrections in which XXXX also made on my credit report. If either of these bureaus feel as if this is a request they are not able to fulfill, I request for them to include the laws they are basing their decision on as well as informing me in writing of their decision by a human and not a computer generated letter within 6 business days of opening this complaint. I have embedded evidence that XXXX corrected the issue, all I am requesting is the other reporting agencies perform the same in the name of uniformity in credit reporting and maintaining fairness in the use of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and transition MUST report the account with XXXX to be reported as paid as agreed with no late payments in accordance with the corrections in which XXXX also made on my credit report. If either of these bureaus feel as if this is a request they are not able to fulfill, I request for them to include the laws they are basing their decision on as well as informing me in writing of their decision by a human and not a computer generated letter within 6 business days of opening this complaint. I have embedded evidence that XXXX corrected the issue, all I am requesting is the other reporting agencies perform the same in the name of uniformity in credit reporting and maintaining fairness in the use of 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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, AN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX REMOVE THIS IMMEDIATELY DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account # XXXX XXXX XXXX XXXX Recent Payment History : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit and Reporting Act this credit has violated my rights under 15 USC 1681 section six two states I have the right to privacy 15 USC 1681 it also states a consumer report agency can not furnish her account without my written instructions under 15 USC 1666 b a creditor may not treat a late payment on a credit card on a open and consumer credit plan as late for any purpose.

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 2024-03-04 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: NY

Complaint narrative:
I am writing to dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All the following dates have been the same continuing issue. I can purchase a few large purchases roughly between {$500.00} to {$6000.00} which banks enough points to purchase something worth a few XXXX dollars. I will go to purchase something and the card will be declined. Later, without my consent I will receive a new card in the mail, between these times my points will expire. I have called in regards to this on all of the dates I have provided and more. Unfortunately I have not documented all of the instances. Their telephone representatives are extremely rude and will talk over you and interrupt you intentionally attempting to confuse the situation. They will then transfer you to an alleged supervisor through a continual loop until you frustrate and hang up, the longest loop was the second to last phone call which took XXXX XXXX hours I have spent over accumulative XXXX hours on the phone trying to resolve this issue. I own a chain of stores and have purchased hundreds of thousands of dollars of Tech through Best Buy. I feel the system is put to place to avoid allowing people like me to benefit. The last attempt I made I was refused any assistance, and I was not explained to why my card was canceled and a new one was mailed. I will now lose the remaining points I have for {$1600.00} purchase for a drone. Ive never been spoken to like this in my entire life. I believe we will be closing the cards and I will be requesting full reimbursement for all lost points over the last four years accumulating over {$1000.00}.

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 2024-03-04 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-04 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I request that you provide a copy of the contract or agreement bearing my signature with your company, as required by law, to prove that I have a legal obligation to pay this debt. Please note that a photocopy or electronic version of the agreement will not suffice ; I require a contract with a wet ink signature. 

Until you have provided the requested information and validated this debt, I am exercising my rights under the FDCPA to dispute the debt and request that you cease all collection activities. 

Please respond to this request within 10 days of receipt. If you fail to provide the requested information, I will consider the debt to be invalid, and you must cease all collection efforts and remove any negative reporting from my credit file. 

Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CO

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with Equifax, XXXX, and XXXX ; regrettably, the matter remains unresolved to date. 

Equifax XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute a late payment that was recently reported on my credit report. According to my records, the payment was made on time. However, it appears that there is an error in the reporting, and the payment was incorrectly marked as late.

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 2024-03-04 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: NY

Complaint narrative:
I am writing to dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or authorize.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Fraud occurred Friday XX/XX/XXXX. This is all provided on my bank statement. 
XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$3.00} purchase {$100.00} cash back XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$4.00} purchase {$100.00} cash back XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$1.00} purchase {$100.00} cash back XXXX purchase # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TN - {$100.00} {$1.00} purchase {$100.00} cash back EWithdrawal from bank XXXX XXXX TN XX/XX/XXXX - {$1500.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$40.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$40.00} Withdrawal from savings acct ATM XXXX TN XX/XX/XXXX {$100.00} Withdrawal from savings acct ATM XXXX TN XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$7.00} Bank contacted XXXX XXXX XX/XX/XXXX via text to advise they account has been compromised XXXX XXXX XXXX the purchases were ALL fraud. 
Visited local branch XX/XX/XXXX to discuss fraud, closed account closed debit cards and reopened new bank account and issued XXXX XXXX new debit card. We had one outstanding check XXXX to Illinois XXXX {$24.00} the bank was to allow check to go through however they did not and overdraft thus causing us a {$25.00} over draft payment. 
All funds were returned to us XX/XX/XXXX with the exception of the {$1500.00} " pending further investigation ''. 
Funds were reversed XX/XX/XXXX from both savings and checking account. 
Visited local bank XX/XX/XXXX to discuss why this happened as we were not provided any details. Bank stated they investigated the withdrawals and purchase determined we took out the funds due to a " chip card being used '' They can not obtain records from the cameras for any of the transactions. 
Bank contacted XXXX XXXX XX/XX/XXXX stating they were still working on getting our funds returned to us and we have not heard back as of today XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: MO

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 3rd party. They in fact did not come from a 3rd 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 response to consumer: Closed with non-monetary relief