vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/year> I called the customer support line to resolve the XXXX email spam that the company was sending me. The representative put me on hold to transfer me and then intentionally hung up the phone. 

This is the exact same kind of intentionally negligent and abusive conduct that the company was engaged in several years ago. 

They are trained to be intentionally abusive and to harass customers into giving up rather than actually providing customer service. 

They will literally do this to customers for hours and hours and hours and hours and hours on end until you reach double digit hours on the most simple of matters. And if you get mad about being abused they will further victim blame you and abuse you some more. 

It is so heartening to see that the company has not skipped a beat at its negligent customer service in the several years since since I last used their abusive services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CB/VICSCRT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

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 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 A Section 2 : It also states 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 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 2024-06-14 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: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal dispute regarding an issue with Experian, a credit reporting agency, concerning the inaccurate reporting of an address on my credit report. Despite multiple attempts to rectify this matter by phone and through written correspondence, Experian has failed to address the issue, which I believe constitutes a violation of Metro 2 Compliance and the Fair Credit Reporting Act. 

The address in question, identified by Address ID : XXXX and associated with Report number : XXXX, does not belong to me and has no relation to my financial history. Despite my efforts to contact Experian via phone and mail to dispute and request the removal of this erroneous address, they have refused to take action. 

Furthermore, Experian 's misleading information regarding their customer service protocol compounds the issue. Despite claiming that customers can call to speak directly with a live representative, my attempts to do so have been unsuccessful, leading me to question the accuracy and integrity of their customer service practices. 

I have attached evidence to support my claim, including copies of letters sent to Experian and records of phone calls made in an attempt to resolve this matter. 

In light of the above, I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with Metro 2 standards and the Fair Credit Reporting Act. Specifically, I request the immediate deletion of the inaccurate address from my credit report and clarification of Experian 's customer service procedures to prevent further misinformation and confusion for consumers. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo is forcing me to keep a {$440.00}. Purchase of a product that. Was suppose to fit my XXXX XXXX and the product purchased does not even fit my car its the wrong item its not what I purchased after I disputed with Wells Fargo one of Wells Fargo dispute team members inform me to contact XXXX and try to return the item I tried XXXX told me because I disputed with the bank its out of there hands first off it has a year warranty number 1 number 2 there not letting me return it and the company I purchased it from is ignoring me there no way legally you can force me to keep a purchase that is not what I ordered I did what Wells Fargo ask I tried to return there not excepting it I provided documents of me trying to get a return

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 2024-06-14 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: TX

Complaint narrative:
I am writing to formally dispute the validity of a medical bill that has been erroneously attributed to me and has appeared on my credit report as account XXXX XXXXXXXX. This account does not belong to me, and I have reason to believe that it is in violation of the Fair Credit Reporting Act ( FCRA ), specifically section 605b. 

I recently submitted a report to the Federal Trade Commission ( FTC ) regarding the appearance of accounts on my credit report that do not pertain to me. Despite my previous attempts with TransUnion to rectify this issue, the wrongful inclusion of this account has not been addressed. I have requested validation of this debt, and as of now, it remains unresolved. 

I am formally requesting that this account be removed and blocked from my credit report in accordance with FCRA section 605b. Additionally, I request that you provide a validation of debt pertaining to this account that includes all relevant information and documentation. I would like to remind you that any attempts to pursue collection on this account are in violation of the FCRA until the debt has been validated. 

I also want to emphasize the potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) in relation to the inclusion of medical bills that do not pertain to me on my credit report. I expect that all sensitive medical information is handled in compliance with HIPAA regulations. 

If this matter is not resolved promptly and the inaccurate account is not removed from my credit report, I will have no choice but to pursue legal action. I am prepared to seek representation from an attorney to address this issue. I trust you will take this matter seriously and take the necessary steps to rectify this situation in a timely manner. 

I implore you to act swiftly in addressing this discrepancy and provide me with written confirmation of the removal of the erroneous account 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am reaching out to express my outrage regarding the appalling inaccuracies present in my personal information within your records. Upon scrutinizing my account/profile, I am appalled to discover numerous instances of gross misrepresentation that demand urgent correction. This situation is utterly infuriating and deeply unsettling, as it suggests potential fraudulent activity tarnishing my credit profile. Given the critical imperative of maintaining accurate records for data integrity and privacy, I demand the swift and immediate removal of these egregious inaccuracies. Your prompt action in rectifying this egregious breach of trust is non-negotiable and imperative.

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 2024-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
The FDIC Consumer Response Center has attached correspondence to your case. Please login into the FDIC Information and Support Center at your earliest convenience to view the correspondence Case # : XXXX Name of Contact : XXXX XXXX XXXX Description : I have savings accounts at XXXX XXXX and Goldman Sachs. I tried to set up ACH transfers between the two banks. This was done from both sides- XXXX to Goldman, and Goldman to XXXX. The first was successful, the second was not. I tried to transfer funds from Goldman to XXXX - initiating from the XXXX side. The first request ( XX/XX/year> ) was cancelled by Goldman ( Marcus ). When I caled Goldman to inquire why both the transfer set up and the transfer request initiated by XXXX were unsuccessful, I was told ( after about an hour of reps and transfers ) that they did not deal with XXXX. I then requested that Goldman wire the funds to XXXX. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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:
In my recent review of my credit reports, I noticed several accounts that I do not recognize and appear to be fraudulent. Below, I describe each of these accounts : XXXX  XXXX XXXX : Account Number : XXXX Date : XXXX Type of Account : Credit Card Description : This credit card account was neither opened nor authorized by me. I am unaware of any transactions or activities related to this account. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : I have not applied for or opened any account with XXXX XXXX. This account appears on my credit report without my knowledge or authorization. 

XXXX XXXX XXXX : Account Number : XXXX Description : I do not recognize this collection account and have had no debt or interaction with XXXX XXXX XXXX that would justify this entry on my credit report. 

XXXX XXXX XXXX  : Account Number : XXXX Date : XXXX Description : This is another collection account that was neither opened nor authorized by me. I have no outstanding debt that could be related to XXXX XXXX XXXX. 
These fraudulent accounts are negatively impacting my credit score and my ability to obtain new credit. I request a thorough investigation and the removal of these fraudulent accounts from my credit reports. Thank you for your prompt attention to this matter. 

If you need any adjustments or additional information, please let me know.

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 2024-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX information was provided to XXXX XXXX XXXX XXXX XXXX via their web portal and email to dispute a debt alleged by XXXX XXXX at XXXX ( apartment company ). This debt was due to identity theft. They provided documents for a rental application with my name and address, but someone else 's email and phone number. They did not provide any forms with my signature this thief used to apply for the apartment. On XX/XX/XXXX, I spoke with a XXXX XXXX XXXX representative XXXX XXXX XXXX ) to dispute the debt and she stated that this thief used my Social Security Number in the application. I spoke with XXXX XXXX on XX/XX/XXXX after receiving a letter that " you have not made suitable arrangements to resolve the above-referenced debt ''. Although I provided uploaded a copy of documents to provide my identity to the debt collector on XX/XX/XXXX ( tax document with my SSN, copy of driver 's license, utility bills, car insurance with address ) and on XX/XX/XXXX ( police report ) PLUS emailed XXXX complaint and FTC ID theft reports to XXXX ( on XX/XX/XXXX ), they continue report the debt. They reported the debt to the credit bureaus. They alleged that a person with my identity applied for an apartment {$50.00} and the apartment company added another {$100.00} due to insufficient funds. Total debt : {$150.00}. As of XX/XX/XXXX, they continue to report the debt. Other than my SSN, I have not been provided with another other proof of identity this thief used for this rental application.

Company response to consumer: Closed with explanation