vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/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 2024-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am unable to use my gift card. I have tried XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also tried using at restaurants. They all decline my card and i have a {$200.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MD

Complaint narrative:
I reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MD

Complaint narrative:
I reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.

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 2024-01-24 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: MD

Complaint narrative:
I reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.

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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
From XX/XX/2001 I have been contacted several times in regards to a debt I fully acknowledge from relocation expenses. I told the debt collector XXXX I would make payments immediately and they were to consecutively deduct funds from my account in the amount of XXXX dollars each month. On a recorded lined they promised the debt would never go to collections and hit my XXXX XXXX and they would never charge an interest fee. I appreciated them for them and repeated " thank you '' several times during our conversation. I mentioned to them they do not need to contact me anymore in regards to the debt since the funds will be taken out automatically each month. I advised them I am XXXX XXXX  XXXX veteran and the only income I have is my XXXX. They knew they were not supposed to touch the XXXX income but I told them it's fine, since it is my obligation to pay them back. Since XX/XX/2001 I have been faithfully making payments to them without missing a month. Several other attempts have been made by XXXX the representative of Caine and Weiner to call me after the agreement. I live in the XXXX and I don't receive mail. I have made this clear to the company too. They continue to send letters, phone calls and now have breached the agreement and verbal contract that the debt will not hit my credit. It has recently shown on my credit account as a XXXX XXXX XXXX. They stated over a dozen times " not to worry '' it will not go on your XXXX XXXX. I have been making payments with XXXX money and I have been doing the best I can to pay off this debt. When initially I was contacted by Caine and Weiner several years ago I told them I would be willing to write a XXXX dollar check immediately if they would work with me on the amount due. They refused the XXXX and stated they wanted a payment plan. I created a payment with XXXX and they saved my card on file all these years. Again, each month the card is paying off my debt slowly. It bothers me that they would go against the agreement and damage my credit. I am considering XXXX. I don't have the funds or the resources to pay the debt in full. we agreed to XXXX dollars a month and nothing would be impacted on my credit. However, that was a breach of contract and a misleading statement. Please remove the debt from the credit as I have kept my promise to pay. Why would they go against an agreement we set and it was recorded?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX has an account in my name. The account number is XXXX. This account is fraudulent and was not opened by me. Please have this account removed off of my credit report immediately. 

Fair Collections and Out ( XXXX XXXX ) has fraudulent account opened in my name as well. The account number is XXXX. Please have this account removed off of my credit report 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 2024-01-24 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: Self Financial Inc.
State: NY

Complaint narrative:
Closed Account. My report includes accounts with a reported name that is different from mine. I don't recognize the account in question. This account is not mine. The current status of my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/year> I was woken up by an incoming text message from Wells Fargo bank, asking if I had just attempted a {$3500.00} XXXX transfer. I replied NO. I then receive the second text message from Wells Fargo stating that a representative would be contacting me shortly. 
The man called a couple of minutes later and stated he was a representative of the bank and that he was going to assist me in getting my money back. 
After a two hour long phone call the call was disconnected and then I called the same phone number back that had called me and spoke to another representative who said that they had no notes or record of a representative calling me or that any text messages were sent out. 
I then spent several more hours filing multiple fraud claims. 
They had taken out {$7900.00} from both my checking and savings accounts. This apparently was done through numerous transactions in XXXX XXXX, XXXX, XXXX XXXX and internal transfers. The representative told me that someone had gained access to my online banking credentials. I live with my XXXX children and I am in a higher position at an insurance company. I sat there looking at my debit card being told that everything was shut down and I now have no access to ANY money for the next XXXX business days while they work their investigation. 
Today is day XXXX without any money and no one has even called me to ask me questions. I then call in to check the status of my claims as the previous rep had suggested that I do, telling me that they would be able to provide me with a provisional credit while I wait. I called today to be told that my claims were denied and then they hung up on me. 
I drove to my local branch only to be told that they could do no more than I already had which was filing a claim. 
I am sickened, I have been vomiting, severe headaches and anxiety. I am a single mother and that was literally my entire lifes savings. On top of this I recently found out that my XXXX has returned. I have no family and no help. 
Ive been banking with XXXX for over 10 years now and this is the XXXX time Ive had fraudsters hack my account ( only checking previously ), this one is by far the worst. 
Can they truly just steal $ XXXX from someone and thats it? I am devastated and dont feel as though I can believe or trust anyone anymore and I am traumatized by this entire event. I feel helpless and duped. This was an institution that I trusted to place my entire life savings so that it would be safe. I have been saving up for a down payment on my first home. Thats not going to ever happen now. I am sick.

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 2024-01-24 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian did not do a full investigation on account XXXX XXXX XXXX XXXX. Under 15 usc 1692g validation of debt Also 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 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 2024-01-24 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: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
protected health information included on employer background report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Calls every night after XXXX with the same automatic recording about debt collection that I dont owe. Ive blocked multiple numbers and they just keep calling from a different number. 

I dont owe any consumer credit debt and have an excellent credit score. It is obviously a scam and Im tired of the daily harassment. 

One time I called one of the numbers back and it didnt even go to a professional agent - just some guy picked up and kept asking for XXXX XXXX XXXX  They obviously think Im someone else and trying to scam them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following companies made inquiries without my knowledge or approval. 
XXXX XXXX XXXX XX/XX/year>. XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXXXXXX XXXX  XXXX on XX/XX/year>. XXXX XXXX ( XX/XX/year> a second inquiry was made ). XXXX XXXX ( a second one made on XX/XX/year> ). XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX on XX/XX/year>. XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I did not authorize any of these companies to run my credit. 
I sent complaints to each of the credit bureaus by certified mail to look into these matters. I also contacted them by phone and nothing was done.

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 2024-01-24 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:
15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like Transunion, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following : Account number # 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 2024-01-24 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have been a victim of identity theft where accounts were fraudulently added to my credit report. Some accounts were removed and added back years later as well as new accounts being added that were opened and never reported for years. I have contacted each credit bureau with proof of police report starting XX/XX/XXXX up to the recent last police report in XX/XX/XXXX these updated accounts still showing on my credit report. As of today, there are several accounts that have not been removed, and no proof of a signed signature or contract has been sent to my address. It has takes over 60 days to get a response back from these credit bureaus and the option to dispute online has been restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute an error regarding my free annual credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report every 12 months. My attempt to access this report online resulted in an error stating I had already received it, which is incorrect.

I contacted customer support and was assured the report would be sent ; however, I have not received it. This oversight not only violates the FCRA but also impedes my ability to monitor my credit. 

Therefore, I request that Equifax promptly provide my annual credit report and address any system errors to prevent future issues. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation