vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2023-10-19 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 2023-10-19 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX XXXX  ) concerning my interactions with XXXX, TransUnion, and XXXX. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the 15-30 day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required 15-30 day period. 
A directive to XXXX, TransUnion, and XXXX to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and equitable credit reporting to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX XXXX commitment to ensuring the practice of fair and accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX BBB ) concerning my interactions with XXXX, XXXX, and Experian. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the XXXX day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required XXXX day period. 
A directive to XXXX, XXXX, and Experian to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and XXXX XXXX XXXX to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX  's commitment to ensuring the practice of fair and accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AK

Complaint narrative:
Found a post on XXXX selling XXXX XXXX. It was from a reputable breeder that I had been aware of for several years. I contacted them through XXXX XXXX and we chatted extensively for several days to secure the transaction. On XXXX I sent them XXXX $ to process paperwork transfer of the cat in the XXXX  ( association of cat breeders ). From their name to mine. On XXXX, I sent them {$820.00} to complete the sale and pay for the transportation of the cat from Alabama to Alaska. On the evening of XXXX, not even 4 hours after sending the money, the scammer disappeared from XXXX completely. I could no longer message them, nor reach them with an Audio call. I came up with a phone number for the actual breeder that they were impersonating online from their website, and called there. She answered me back via text that she had no idea who I was. We chatted and I discovered that she had had nothing to do with this sale, did not have the cat in question, and that I had been scammed. She said she was aware of someone impersonating her and using her XXXX certificate from XXXX to do so. She had reported this to XXXX, but they had done nothing. I contacted my bank- where the funds had been transferred via Zelle, and disputed the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 a check in the amount of {$39000.00} that was fraudulently obtain and negotiated cleared my account. I discovered the issue on XX/XX/2023 and contacted Wells Fargo to submit a fraud claim. I was told the process would take XXXX business days. XXXX calendar days have passed and not only do they not have a resolution, they can't even give me a straight answer. Needless to say I have not recieved my money back into my account. 

I never write checks this large and the bank simply cleared the check and didn't even issue a call or text to confirm if I had written such a large check. 

One of the investigators I have spoken to is named XXXX XXXX and my XXXX XXXX XXXX is 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 2023-10-19 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The account with XXXX XXXX has numerous fraudulent charges made to it from XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I expect expedited removal of the XXXX XXXX on my XXXX and Equifax Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a car loan from US AUTO SALES, never missed a payment! But when they defaulted and " sold '' their loans they created fictitious account balances. After almost a year and a half of paying the loan I was told my the Buying company ( WEST LAKE PORTFOLIO MANG. ) that I would have to start my loan all over again equating to {$22000.00}. They also said I had been behind months before with US AUTO SALES but my bank statements and receipts say otherwise. I asked for the original documents, transfer agreement, payment history. None were provided. Westlake Portfolio has already begun reporting late payments to my CREDIT!!!! This makes absolutely no sense as I was never late and now my credit is in shambles because a company went bankrupt!! I already tred creating a suit myself but was ghosted by my lawyer randomly.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On my most recent Citi Costco Visa statement ( ending XX/XX/XXXX ). I noticed the following charge : XX/XX/XXXX RETURN CHECK FEE - XXXX {$30.00} I immediately contacted my account for 2 reasons ( 1 ) I don't pay by check ( 2 ) and my account was not late as my autopay kicked in on time. 

When I contacted Citi they said it was for a return of my Autopay. I looked at my Bank account and there were no rejects on my checking account for Autopay. The rep I was having a chat with was saying that even though it took I still get charged since the 1st time got rejected. I don't see how you can get charged for a fee when something goes through esp when my bank ( XXXX ) says there was no rejection. Additionally from a Treating Customers Fairly perspective the actual 'fee ' they put on my statement is misleading.

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 2023-10-19 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: IN

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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to once again dispute false items in my Experian credit report. I have disputed the false accounts on my Experian report multiple times, both directly and through the CFPB. I hope that this letter finally gets to the right person. 
I am and have been in the past a victim of identity theft. I do not know if all or some of the false accounts in my Experian report are due to that or if you are mixing me up with someone else. In recent phone calls with Experian, I was told that my account was with the " mixed '' department. I have no problems at this point with XXXX or XXXX XXXX reports. It is only Experian. I am enclosing both an FTC Identity Theft Report and local police report, so hopefully, this time, you will please believe me that the accounts are not mine. This has destroyed my credit and stressed me to the point that I can not sleep at night. Please fix this.

Im going to file this complaint one last time and ask and demand that experian fix and resolve this issue and matter, Im in the process of hiring legal counsel to assist me with this problem and if this issue is not addressed by experian I will file a law suite this is my last request to experian, I have sent information after information, I am a victim of identity theft and experian needs to take seriously, This account, XXXX XXXX is a fraudulent account it was open in my name I did not open this account, this is making it easier to file suit against experian, I want this account removed immediately Im sending a police report and a ftc identity theft affidavit along with a letter from an attorney nor removed this account XXXXXXXX XXXX or be sued, this lawyer can get me six figures, all Im asking is for this account to be removed from my report, Im tired of being hung up on and constantly transferred, I have several of yalls reps recorded and found out that my file has been in the mix department this whole time and experian is ignoring the fact that I am a victim of identity theft, they have removed the other accounts from my file because I have provided a police report and the information to remove those accounts, ether remove that account or Im going to sue this company for damages, this is my exact last request and demand from this point

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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