vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: NV

Complaint narrative:
MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. 

I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. 
It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. 
I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there XXXX exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.

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 2024-10-23 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/year>, I reported a fraudulent charges on my apple credit card from experian. A customer service named XXXX was chatting with me and started the investigation. He asked me to charge my XXXX password and i told him i was unable to do since i was using my phone and couldnt remember my old password He told me the investigation might take 90 days and proceed to lock my account on my phone. Since i dont receive paper billing, my phone is the only way for me to make payment I have tried many times to log in, but the account remained locked. I assumed it was because of the investigation. I never receive any calls or correspondence from apple At the end of XXXX, I got a notification that my XXXX XXXX had dropped XXXX points due to a late payment from XXXX. I contacted customer service, who proceeded to inform me that a payment was still due even if the account is locked, and I was supposed to call them and make the payment. 
He unlocked the account, and i made the payment right away. I told them there was no way to make the payment since the account was locked and I shouldn't be penalized since they never called or unlocked my account. I contacted the credit bureaus to remove the late payment since it wasn't my fault, but they say only the credit card can. I contacted customer service and spoke to so many. agents so many times regarding retracting the late payment but nothing came out of it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive checked my credit and recognize fraudulent accounts with inaccurate info that was not me can you please look in to this matter I have upload my id and ss for accurate info

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 2024-10-23 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:
Ive checked my credit and recognize fraudulent accounts with inaccurate info that was not me can you please look in to this matter I have upload my id and ss for accurate info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I have previously contacted the credit reporting agency regarding this account and requested that they provide documentation verifying my agreement or any information that links me to the debt. Despite my efforts, they have been unable to furnish the necessary documentation. 

This bad accounts are causing unexpected complications for me, particularly in my ability to apply for new credit. Initially, I believed there XXXX have been some confusion with my mortgage company, but I have now learned that the issue relates to a credit reporting agency that I had not previously heard of. 

They are not even abiding by what I learn is the Fair Credit Reporting Act, which ask this agency to remove items from a consumer 's report if they are unable to verify the accuracy of the information. Given the lack of verification provided, I respectfully request your assistance in ensuring that these accounts are removed from my credit report. 

This matter is urgent, as the presence of this unverified account is creating financial challenges that I did not anticipate. I would greatly appreciate any help or guidance the CFPB can provide to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I have previously contacted the credit reporting agency regarding this account and requested that they provide documentation verifying my agreement or any information that links me to the debt. Despite my efforts, they have been unable to furnish the necessary documentation. 

This bad accounts are causing unexpected complications for me, particularly in my ability to apply for new credit. Initially, I believed there XXXX have been some confusion with my mortgage company, but I have now learned that the issue relates to a credit reporting agency that I had not previously heard of. 

They are not even abiding by what I learn is the Fair Credit Reporting Act, which ask this agency to remove items from a consumer 's report if they are unable to verify the accuracy of the information. Given the lack of verification provided, I respectfully request your assistance in ensuring that these accounts are removed from my credit report. 

This matter is urgent, as the presence of this unverified account is creating financial challenges that I did not anticipate. I would greatly appreciate any help or guidance the CFPB can provide to resolve this issue.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was currently working for XXXX and they falsely accused me of money laundering and structuring from my personal checking account and terminated me but allowed me to keep my accounts open. They are defaming my character by putting me on the red flag list stating that I can no longer apply or work for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have been XXXX for years and then when I decided to switch to a different provider. They required me to pay off my phone and my entire bill before switched. This did happen, however years later they send a collection agency after me for alleged debt. The agency they sent me to was Credence Resource Management. This agency has practiced harassment ( calling non stop even during work hours, which I told them ), provided threats when I stated I need proof and verification of debt, doesn't respond to numerous letters sent. I reached out to XXXX directly who stated based on the lack of notes and when reviewing the account. It doesn't look like this balance is accurate, XXXX from XXXX ( XXXX ). He stated he will close the account with Credence Resource Management and make sure the balance was removed as of XX/XX/year> @ XXXX. However, I was still getting calls during working hours since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I have previously contacted the credit reporting agency regarding this account and requested that they provide documentation verifying my agreement or any information that links me to the debt. Despite my efforts, they have been unable to furnish the necessary documentation. 

This bad accounts are causing unexpected complications for me, particularly in my ability to apply for new credit. Initially, I believed there XXXX have been some confusion with my mortgage company, but I have now learned that the issue relates to a credit reporting agency that I had not previously heard of. 

They are not even abiding by what I learn is the Fair Credit Reporting Act, which ask this agency to remove items from a consumer 's report if they are unable to verify the accuracy of the information. Given the lack of verification provided, I respectfully request your assistance in ensuring that these accounts are removed from my credit report. 

This matter is urgent, as the presence of this unverified account is creating financial challenges that I did not anticipate. I would greatly appreciate any help or guidance the CFPB can provide to resolve this issue.

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 2024-10-23 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: NJ

Complaint narrative:
I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX  XXXX Account # XXXX ), with late payments reported for XX/XX/2024 and XX/XX/2024. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.

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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had friends and family send me money via XXXX to my Wells Fargo account. Wells Fargo is stating they dont know when they will release the funds.

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 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Couple years I separated for my boyfriend I take only clothes I cant take my personal documents passport ID banck cards and he used my cards in this time I m fell bad when I try to get my card to the banck the account is closed years pass and 2 years ago I try to get a car and I have the surprise I m in collection

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 2024-10-23 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: PA

Complaint narrative:
Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-10-23 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: NJ

Complaint narrative:
While logged into my account on my home computer, the same one I have logged into from for months, I was booted out of my Equifax account. I was then unable to get back in and was instructed to call customer care to fix the issue. 

After XXXX minutes of explaining to the first tier of customer service that the problem is not on my end ( I was asked if I was using a XXXX XXXX times ), I was told that they are escalating it to their technical team and it will hear back in 7 days. Which is, obviously, an unacceptable timeframe. 

XXXX days alter, I call again. I am told there is no record of an escalation and that they will now do an escalation and to wait another 7 days. 

Meanwhile, I have no access or control over my account and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX SAFE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: OK

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.

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 explanation
Consumer complaint received 2024-10-23 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: NV

Complaint narrative:
MAILED ATTACHED LETTERS OUT ON XX/XX/year>, PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. 
Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.

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