vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The account is not mine. Separate from that, the account number doesn't match. It's likely due to all of them being fraudulent and I'd like them removed please.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX Wells Fargo auto finance XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: OR

Complaint narrative:
ACCT NAME - XXXX ( XXXX BRIDAL ) ACCT NUMBER - XXXX ( AS SHOWN ON EXPERIAN ) XXXX has violated my rights. 

Opened account XX/XX/2019 XXXX XXXX {$1200.00} Acct. Charged Off {$1500.00} Filed a Dispute with Experian regarding the negative/chargeoff reported. XXXX did nothing, and all the info stayed the same. 

15 U.S.C 1681 Section 602 A states I have the right for privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items of information, other then records of convictions of crimes which antedates the report by more then 7 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. 

** XXXX XXXX was were I selected a wedding dress for the upcoming wedding. The dress was ordered. No alterations were needed or done on the dress. The wedding was cancelled. The dress was NEVER picked up. Any accessories purchased earlier were returned/not used. The dress was never even looked at, much less taken. It hadn't been altered either. XXXX XXXX was still trying to charge me for the dress I had selected, but had never picked up. No matter who was talked to, they would not alter what was shown on my credit report. They wrote off my account that was never used, so should have had nothing due on it. The account was never used since then again. My credit has been bad due to this incorrectly reported information.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I opened my credit report and seen some inaccuracies on my credit file

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 XXXX removed a delinquent account from my report due to improper reporting on an account. On XX/XX/2023 at account was put back on my report. It is XXXX 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

XXXX is reporting XXXX inaccurate late payments for the JPMCB account XXXX. These include a 30 day late payment posted. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It should be known that this complaint is filed against TransUnion, XXXX, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. TransUnion reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by TransUnion. 6. TransUnion also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. TransUnion also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and TransUnion has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of XXXXsumers smart credit 3 bureau report is included in this complaint so all errors can be seen.

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 2023-06-17 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Took Money that was not correct on an account that did not belong to me. And they sent me letters that no need to show up to court. I have emails asking for amounts they never responded back. Once they responded like a month or 2 later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 USC 1681a ( 2 ) a ( i ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end comsumer credit plan as late for and purpose.

15 USC 6802B Request for all late payments to be REMOVED on my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld Systems Inc is the collection that appears on my. CRedit report is show g this collection that is not mine.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX passed away XXXX XXXX I sent her death certificate to discover this XXXX credit card I told discover that my mom passed they said that credit card was clear and they closed the account well a year later discover sent my mom XXXX XXXX to XXXX and the lady wanted to know about my mom 's estate she doesn't have any I'm not on her account I told this that she can not sue a dead person and why did they wait a year to say something the lady hung up on me. Now this needs to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The account is not mine. Separate from that, the account number doesn't match. It's likely due to all of them being fraudulent and I'd like them removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2023, I sent a letter to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law. 

I must also express my concern regarding the XXXX data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected. 

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy. 

Attached are XXXX of my most recent credit reports ; please use this to verify.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2023, I sent a letter to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law. 

I must also express my concern regarding the XXXX data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected. 

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy. 

Attached are XXXX of my most recent credit reports ; please use this to verify.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Theres no explanation for years Ive been trying to get into my equifax account for some time I continually call them to get no response they continue to furnish negative information about me but cant verify my identity not giving any information unless I pay which ends up being negative spam information. My problem is with none of my accounts or credit its about the negative and malicious information they continue to furnish on me negative payments and etc XXXX dont understand how they can furnish information about me but cant tell me the information they are furnishing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This account is not mine. On top of that the account is over XXXX years old. I had this taken off before because the account was not mine and some how that was proven before. How could this even reappear after all of these years?

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I received a copy of my credit report from Trans Union. I sent them a certified letter ( which I am providing as well as the letter ) on XX/XX/23 ( delivered XX/XX/23 ) as well as a second XXXX on XX/XX/23 to let them know they are reporting inaccurate information on my credit report. According to the FCRA, I have the right to an accurate credit report. There is a collection account XXXX XXXX XXXX # XXXX that they are listing on my report after ( investigating which I wasnt sent exactly how it was investigated ) that is showing OPEN and also shows a PAST DUE amount of now XXXX, as well as a balance of XXXX. I REQUESTED THIS BE DELETED FROM MY REPORT AND A COPY SENT TO ME REFLECTING THE DELETION OF THE ACCOUNT. Its very frustrating trying to keep up with my credit report and trying to resolve inaccuracies, yet feeling as though even when I reach out Im still not being provided with accurate reporting. Ive asked multiple times and now feel theres no other choice but to take more 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