vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there

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 2024-05-23 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: MN

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Once removed from credit then IC System Inc brought the debt put it back on my credit as if it just happened XX/XX/year>. Has it as an open account and a balance owed. According to the law a collection account should never be an open account or carry a balance

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 2024-05-23 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: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NV

Complaint narrative:
In accordance with the fair reporting act, this creditor has violated my rights under 15 u.s. CODE 1681 section 602 states I have a right to privacy 15 U. S. CODE 1681 604 ( A ) ( 2 ) reporting agency can not furnish an account without My written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NV

Complaint narrative:
In accordance with the fair reporting act, this creditor has violated my rights under 15 u.s. CODE 1681 section 602 states I have a right to privacy 15 U. S. CODE 1681 604 ( A ) ( 2 ) reporting agency can not furnish an 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 explanation
Consumer complaint received 2024-05-23 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX # XXXX HAS VIOLATED MY RIGHTS. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

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 2024-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
XXXX not liable with this XXXX with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX and XXXX XXXX, They did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
In XX/XX/2024, I opened a dispute with Experian regarding several accounts on my credit report that I believe to be fraudulent and not belonging to me. The accounts in question are : Account XXXX foXXXX XXXX XXXX  Account XXXX for XXXX XXXX XXXX XXXXXXXX Account XXXX for XXXX XXXX XXXX Account XXXX for XXXX XXXX XXXX Account XXXX for XXXX XXXXXXXX XXXX I notified Experian that these accounts were fraudulent and requested that they be removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ), credit reporting agencies are required to block the reporting of information within XXXX business days after receiving a consumer 's request, provided the consumer has identified the information as resulting from identity theft. 

Despite this mandate, Experian failed to remove these fraudulent accounts from my credit report within the required timeframe. Additionally, I requested verification of the debt and ownership of these accounts from Experian. Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), the XXXX XXXX XXXX must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. 

After more than 30 days, Experian sent me a new report stating that the accounts would remain on my credit report. This is a violation of XXXX XXXX. XXXX ( b ), which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

By failing to remove the fraudulent accounts within the legally mandated XXXX business days and by not conducting a proper reinvestigation to ensure maximum accuracy, Experian has violated multiple provisions of 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 2024-05-23 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention.

It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These alleged negative claims lack sufficient evidence to support their accuracy and compliance with legal guidelines. Therefore, I demand the expungement and deletion of all derogatory and adverse markings associated with these accounts. 
Furthermore, I insist on your compliance with the Fair Credit Reporting Act ( FCRA ) and METRO 2 reporting requirements. You are obligated to provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Failure to do so within 30 days will result in legal action, including but not limited to filing a claim in federal court. 
I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 
Sincerely,

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 2024-05-23 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention.

It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These alleged negative claims lack sufficient evidence to support their accuracy and compliance with legal guidelines. Therefore, I demand the expungement and deletion of all derogatory and adverse markings associated with these accounts. 
Furthermore, I insist on your compliance with the Fair Credit Reporting Act ( FCRA ) and METRO 2 reporting requirements. You are obligated to provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Failure to do so within 30 days will result in legal action, including but not limited to filing a claim in federal court. 
I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: RI

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 2024-05-23 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:
I have been with " XXXXXXXX XXXX  '' for the last XXXX years with my primary home mortgage and never been late. All my correspondences are on line via email since I don't check any physical mails and all my payments are set up as auto pay directly from my bank account for convenience so that I don't have to worry about being late, late payment fees and to keep healthy credit score!!! 

Recently, as of XX/XX/2024 XXXXXXXX XXXX  sold the mortgage to " XXXX XXXX XXXXXXXX '', which I was not aware of since I don't check any physical mails, as I have mentioned earlier. After receiving a " certified mail '' I came to know that the loan has been sold to the XXXX XXXX  XXXX After receiving the letter I have reached out to XXXX XXXX XXXX XXXX paid XXXX months of outstanding payments and set up an auto payment immediately, including a bi-weekly payment. 
XXXX XXXX even removed the late fee for XXXX month and told me that I will not be considered late since I have cured the breach within 90 days. 
Soon after I made the payments, I found out from the credit bureaus that XXXX reported my payment as late and my XXXX XXXX dropped by more than XXXX points!!! 

After the incident, I have reached out to XXXX XXXX again and explained them the situation. The XXXX apologised and told me that it shouldn't have happened, but she can't do anything since that's above her pay grade and suggested me that I should send an email to XXXX corporate office and asking them to remove late payment notification from credit bureau at XXXX, which I did immediately on XX/XX/XXXX. Till todate I have not received any communication from XXXX and it's hurting my credit and financial obligations. Here is my details- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Loan # XXXX Ph # 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 2024-05-23 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 pay XXXX XXXX  monthly to Experian for a premium service. In XXXX XXXX I was alerted a change in my XXXX score went from XXXX to XXXX. An account not belonging to or opened by me had gone to collections. Part of the service is Experian alerts me if any changes, new accounts, personal information on the XXXX XXXX banking activity, car loans, and credit card activities show up on my credit monitoring. Nothing new I hadnt known about. One day an alert tells me my SSN is compromised on the XXXX XXXX. A few days later Im alerted about an account Id never heard of was in collections. Theyre supposed to notify me of any new accounts opening. They didnt because it never was on my credit report, for good reason. They deleted it from my credit report within days. Evidently someone used my SSN and my ex- wifes email to open it. 
In XX/XX/2024 the same exact thing. Same creditor, same XXXX XXXX XXXX amount, but a different collection agency was bringing my scores down. Which never went back up completely. I explained to them this is the same thing that happened 6 weeks ago. They said theyd investigate. Every 4 days Id get an alert saying your case has been updated. I log on but nothing is changed. Another call to a Fraud Specialist who tells me they have 30 days to respond. In other words there has been no investigation into this, even though it just happened 6 weeks before. Every 4 days its Dejevu speaking to a Specialist. It has been 30 days or it sure seems so. I have to do this with all three Credit bureaus Respectfully XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I applied for a Well Fargo credit card online and received application # XXXX via email. Immediately after filing this application, I received an XXXX XXXX informing me that Well Fargo did a hard pull on my credit file. However, on XX/XX/XXXX, I received a letter from Wells Fargo informing me that my application was denied due to " Identity can't be verified '' despite all the identity information provided by XXXX. They requested to call XXXX to provide identity information. I called Well Fargo on XX/XX/XXXX, and faxed copies of my Arizona XXXX ID card, utility bills, and bank statement showing the correct address and name on all of these documents. However, I received an email message on XX/XX/XXXX informing me the following : " After carefully reviewing your Wells Fargo Active Cash Visa card application, we can't provide you with a credit card at this time. ". 

Despite my excellent credit history, this company made a decision to deny me a credit card after damaging my credit report with hard pull and falsely claiming that my identity could not be verified despite all the information I've provided to them. This is unacceptable, I need full information on what they meant by their inability to verify my identity. What would a company need more that an ID card, utility bills, and credit report provided by the credit bureau??

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 2024-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT

Complaint narrative:
My mortgage was with XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a welcome letter from Fifth Third Bank. On or about XX/XX/XXXX I called Fifth Third to inquire about a HELOC, at which time I was informed that they do not provide this to Connecticut residents. I then asked what the process was to pull equity from my home again I was informed that also was a service not offered to Connecticut residents. Upon further questions about why not the representative informed me that no other mortgage service was provided for my state. I was informed that the only service was to pay my mortgage. 
I was never informed prior to the sale of my mortgage to Fifth Third, that these services would not follow my original mortgage. This is my formal complaint. This appears to be a violation of the Federal Trade Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, My capital one credit was was stolen from me, and when my card was stolen they used my capital one card for purchases which got approved. Due to those fraudulent purchases my capital one card went 30 days late. I right away called capital one when I noticed these and disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and XXXX. Which they did remove. I have attached my XX/XX/XXXX credit report which you will see capital one removed the 30 day late they reported in XX/XX/XXXX and is showing the account as current for that month. After 3 months passed capital one reported the 30 day late back which I was in complete shock because that issue was resolved. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and XXXX reports because it is inaccurate and was due to fraud charges, and it is affecting my life. Below I have also attached my XX/XX/XXXX credit report which you will see the late is back and reporting on my credit. Please help me resolve this issue like it was originally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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:
These accounts are fraudulent and do not belong to me. Please delete them from my credit report. 

XXXX XXXX XXXX - acct # XXXX XXXX  XXXX XXXX - acct # XXXX XXXX  - acct # XXXXXXXX XXXX XXXX  - acct # XXXXXXXX XXXX XXXX  - acct # XXXX XXXX - acct # XXXXXXXX XXXX  - acct # XXXX XXXX XXXX  - acct XXXX XXXXXXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX XXXX - acct XXXX XXXXXXXX XXXX XXXX - acct # XXXXXXXX XXXX XXXX - acct # XXXX XXXX  XXXXXXXX XXXX XXXX - acct # XXXXXXXX XXXX  - acct XXXX XXXX XXXX XXXX acct # XXXX XXXX - acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX. - acct # XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXXXXXX XXXX - acct # XXXXXXXX XXXX XXXX XXXX  - acct # XXXXXXXX XXXX XXXX XXXX acct # 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