vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: PA

Complaint narrative:
The information reported on my consumer report is not accurate, complete, true, and accurate. Reporting such information is misleading and a direct violation of the Fair Credit Reporting Act.

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 2024-02-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I applied for the Wells Fargo credit card on XX/XX/XXXX. After the online application, Wells Fargo sent me an email saying they received my application and will contact me to tell me the application result. 

Time passed by, I waited and waited no mails or emails sent to me to let me know what happened. One day in XXXX, I received Wells Fargo 's promotion email asking me to set up digital wallet. At this time, I still didn't know what happened to my credit card application. So I called Wells Fargo and inquire about the application on XX/XX/XXXX. It turned out the address they have on the account was wrong so the card was sent to a different address. We corrected the address on the account over phone. They said they will sent me a new card at the corrected address. 

On XX/XX/XXXX, I received my credit card. I tried the XXXX code on the card to activate the card but was unsuccessful. Then on XX/XX/XXXX, I called Wells Fargo to try to activate the card. Then the customer service told me the account was closed on XX/XX/XXXX with no additional information and if I want the card I have to reapply again. I would never want to do business with Wells Fargo, and I also hope no other people would experience this. In the attachment, you can see the three email from Wells Fargo from this journey. Completely unhelpful and inadequate to inform customer about their account.

A customer applies for a credit card with Wells Fargo, with understanding that the credit score would drop with the new account & inquiry, and also would need to bare the financial responsibility if any charges was made on the card. Throughout the process, Wells Fargo was careless and inadequate when it comes to communication. When Wells Fargo sent a credit card to a customer, it does not communicate that to the customer or check in with the customer. It is particularly dangerous without over-communication, because someone could have use the card and the customer would have to bare that financial responsibility. Also, Wells Fargo blinded the customer by closing the account without communication. It's scary to think Wells Fargo never contacted the customer to let customer know a card is on its way so the customer would look out for it and report immediately if they did not receive it. It's also scary to think Wells Fargo would make a decision to close someone's account without communicating to the customer. 

Wells Fargo has lost my trust. I will not entrust any of my information or money when the company bares no responsibility on communicating with customers.

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 2024-02-19 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: MI

Complaint narrative:
Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-02-19 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an American Express Platinum account. My ex-wife was also an additional member of the account. We have been separated since XXXX, starting in XXXX I have asked them to cancel her account. It was always an uphill battle, chat was not helpful, I would have to call and wait on the line for hours. Anyways, in XXXX if I remember correctly, the card was cancelled, I was told that on the phone, and the charge for the card was taken back. 
Now, I see that I am charged again in XXXX {$190.00} for that card, and I was charged {$170.00} back in XXXX for that card. This card was told to me that it was cancelled, but on their end they just froze it but still showed it as active, so they charged me for a service that neither I nor my ex-wife could use. So, today I called them again, and I was told again that now they cancelled the card and they will send me the {$190.00} for the XXXX charge, but they refused to pay me the {$170.00} amount. Moreover, they assured me that I was going to get an email for the cancellation, but I never got it. Guess why? Because they send the email only to the email of the additional card holder, not to the person that is actually paying for the card. And when you call them and tell them that you were told that the card was cancelled, they ask you to tell them when they sent you the cancellation email, an email that you never received, nor could you ever receive. I worked in finance for over 20 years, if this is not a scam, I am not sure what is. To this moment, I have been told numerous times that the card has been cancelled, but I have no proof of its cancellation and no guarantee that I will not be charged for this card again next year or the year after. 
I am attaching screenshots from their system the charges for XXXX to XXXX. You can see that in XXXX there was no charge for this card, butin XXXX and XXXX they tried to sneak it in again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On my credit report I see a credit card I did not authorize and I have spoke with XXXX XXXX and they can't help me or assist and I am requesting this to be removed from my credit or marked as closed due to I have no knowledge and it's incorrect and a violation to FCRA " All must report accurate information or shall be subject to penalty '' I have made this my third and last request otherwise I shall file a Class Action as I have checked that XXXX XXXX is incredibly high in fraud and transactions as of any other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
On my credit report I see a credit card I did not authorize and I have spoke with XXXX XXXX and they can't help me or assist and I am requesting this to be removed from my credit or marked as closed due to I have no knowledge and it's incorrect and a violation to FCRA " All must report accurate information or shall be subject to penalty '' I have made this my third and last request otherwise I shall file a Class Action as I have checked that XXXX XXXX is incredibly high in fraud and transactions as of any other bank.

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 2024-02-18 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: OH

Complaint narrative:
I recently pulled my Experian Credit Report and there were addresses that I have never lived. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 
Alias names I never used XXXX XXXX XXXX, XXXX XXXX. 
Also employment that I have never worked : XXXX, XXXX and 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 2024-02-18 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:
Again this will be my XXXX time asking this company y to remove the items listed below I never did business with them. Never had an account with them this was all due to fraud. All other credit report removed the times yet exqfax is saying they verified them how can that be. Please for the XXXX time remove the items please Account name TXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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:
I have been trying to have the information on my credit report that is unverified, unauthorized and fraudulent removed from my credit report to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
When a bank, credit company, automobile dealership, finance company try to check my credit score they always get the message that I have no credit and my score is XXXX. They requested that I make a copy of my driver 's license, social security card front and back and send them a letter saying what the problem is. I sent it 3 times and they finally got is and the problem is still not fixed. I call to check and no one can tell me anything. The company is Equifax. There is a loan company XXXX XXXX and I am due some money back and I can not get it back because they can not get my credit. Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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:
Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.

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 2024-02-19 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  **** Balance Owed : {$22000.00} XXXX  XXXX Balance Owed : {$9300.00}

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 2024-02-19 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:
Department Of Revenue : Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on [ date of your original request ]. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This has hindered my ability to live a normal life.

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 2024-02-18 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: OH

Complaint narrative:
Recently pulled my credit report and it contained addresses I've never lived XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Employers I have never worked for : 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 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BTH Management
State: NE

Complaint narrative:
Plaza services is reporting a debt on my credit I filed a dispute with credit bureau in regards to accuracy of debt as I am unaware what the debt is for. Result of dispute just states debt is valid. While preparing debt validation letter I verified the licensing of Plaza Services that they are allowed to collect debt in Nebraka. Upon viewing the list of licensed collection agencies on the Nebraska Secretary of State website they are in fact no licensed to collect debt in Nebraska. I have requested this company to remove all reporting on my credit report of whatever this account is as they legally can not collect debt in Nebraska.

Company response to consumer: Closed with explanation