vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-14 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-14 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: EQUIFAX, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to remove addresses that dont belong to me after multiple notices mailed to them. They refuse to respond or delete the addresses.

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 2024-03-14 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:
I am a victim of fraudulent information reporting and I am filing this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In the year XXXX our home was erroneously foreclosed upon by Wells Fargo. We continuously asked for a reasonable and acceptable loan modification. Wells Fargo bank asked us to provide information. Each time we did what they asked. We were financially ruined by what we had been through with Wells Fargo. In XXXX of XXXX they sent us a check for {$200.00}. That check cant begin to make up for what Wells Fargo did to us. We tried to resolve the situation with them because we are unsatisfied with the amount. Well Fargo admitted that they made mistakes with loan modifications in the past. They refused to let us know how they came up with the {$200.00} amount. We are reaching out the CFPB because we lost our home because Wells Fargo did not provide an acceptable justification for not helping to make us whole. The amount of {$200.00} is an insult after the losses we incurred due their faulty loan modification practices.

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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2024, Bank of America unexpectedly denied me access to my personal checking account and informed me that it had been closed. Unfortunately, they could not provide a specific date for the closure. Additionally, my direct deposit from XXXX XXXX XXXX has been frozen by Bank of America, leaving me unable to access my funds, pay bills, or manage my finances. Although I was told a cashier 's check would be issued to me, they have not been able to specify when it will arrive. I urgently need to either regain access to my accounts or receive the cashier 's check immediately. 

The money that is being held captive is a total of {$2200.00} Thank you

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : GEORGIA 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX chase facilitated 4 unauthorized wire transfers that drained my bank account of XXXX XXXX After filing a claim and taking the necessary steps the day of. Chase then 14 days later declined my claim. says they are waiting for a hold harmless letter from the receiving bank and will only refund me what the receiving bank is willing to give back. My account has been hacked several times over the past XXXX years, after changing accounts, several different emails and passwords, and even having my online access completely blocked while this is happening. Chase assured me that I didnt need to switch banks and I was safe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Debt shows an address in Texas that I never lived in. Called collection company and never heard back. The original collection was deleted in 2023,

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 2024-03-14 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: DISCOVER BANK
State: FL

Complaint narrative:
I reserved a rental car through XXXX. When I arrived at my destination and presented license, credit card AND proof of full coverage insurance, the rental car company demanded that I purchase their insurance. I refused and requested a refund. They told me to request from XXXX. 
I was unable to contact XXXX via telephone, so I opened a dispute with DiscoverCard.

Apparently, neither DiscoverCard nor XXXX is willing to resolve this issue in my favor. 

This is theft and I will also be reporting to the FBI. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
account name : XXXX account # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate XXXX no payment history ( transunion only ) these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting XXXX are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau imposs the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter thank you.

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 2024-03-14 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: Early Warning Services, LLC
State: WA

Complaint narrative:
XXXX XXXX  XXXX and XXXX bank is reporting to several credit monitoring companies and a company called Early Warning LLC that I had an account with them. I have repeatedly contacted them asking for the documents that would verify that I opened the accounts and time and time again have been denied. I have given then police reports stating that I was a victim of identity theft and they have yet to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : 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 2024-03-14 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, a woman called me, claiming to be from a mediation department. She stated I owed some credit card company money, that payments had stopped as of XXXX. She also stated that they sent notices to me at a post office box I once rented in another state but had stopped renting that postal box in XXXX, the year I moved to another state. When I asked when this credit card was taken out, she stated " XXXX. '' I had established residency in a different state in late XXXX, so why would I utilize an old postal box address in another state? She told me that the initial debt amount, as of XXXX, was {$770.00} and change, and with the interest and late fees added on, it was now, in XXXX, up to {$1300.00}. That doesn't make any sense because the interest rate would have made this balance a lot higher. This debt has never been on my credit report, so if I had truly taken out this card, charged on it, and made payments, the debt would be on my credit report from XXXX on. The really scary thing is she had the last XXXX digits of my social security number. The phone number that came up on my caller ID was XXXX, which when XXXX, is for a dentist in Wisconsin. She refused to tell me her name or the company she worked for, and she claimed that in addition to the debt, it would cost me {$1500.00} for an attorney- how the heck would she know what an attorney would cost in my state? The supposed credit card company was HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXXXXXX XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023

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 2024-03-14 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: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: Incomm Holdings Inc.
State: TX

Complaint narrative:
XX/XX/2024 - Attempted to use Vanilla Visa gift cards, declined by multiple merchants for various amounts XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters. 
XX/XX/2024 - attempted to use Vanilla Visa gift cards again, declined by multiple merchants again. 
XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters. 
XX/XX/2024 - attempted to use Vanilla Visa gift cards again, declined by multiple merchants again XX/XX/2024 - spoke to customer service - claims card declined transactions due to security purposes, and to attempt transactions again at different merchants. Told me they can issue a new card. They continue to offer no other acceptable options. Merchants will not accept their payment. Told them I have many Vanilla Visa gift cards, and I want refund at this point. Representatives are not based in USA, and do not understand English at all, and have difficulty understanding basic spelling of letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
The details listed on these papers are not mine. Please correct all details as soon as possible.

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 2024-03-14 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: GA

Complaint narrative:
I HAVE CONTACTED THE XXXX GEORGIA BANKRUPTCY COURT AND THEY HAVE INFORMED ME THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS OR XXXX. XXXX OR ANY OTHER DATA BASE COMPANY DOES NOT HAVE MY PERMISSION TO REPORT ANY INFORMATION ON MY BEHALF. PLEASE REMOVE THE FRAUDULENT ACCOUNTS THATS LISTED IN THIS 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 2024-03-14 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: GA

Complaint narrative:
I HAVE CONTACTED THE XXXX GEORGIA BANKRUPTCY COURT AND THEY HAVE INFORMED ME THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS OR XXXX. XXXX OR ANY OTHER DATA BASE COMPANY DOES NOT HAVE MY PERMISSION TO REPORT ANY INFORMATION ON MY BEHALF. PLEASE REMOVE THE FRAUDULENT ACCOUNTS THATS LISTED IN THIS REPORT

Company response to consumer: Closed with non-monetary relief