vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX offered me a XXXX money-back guarantee for aligners for my teeth. I tried the aligners but didn't like them, so I requested my money back within 30 days. When I emailed XXXX on XX/XX/XXXX, within my XXXX trial period, I was informed that XXXX had gone under as a company and is no longer honoring those guarantees. Now, I am stuck with a balance with Healthcare Finance Direct of {$2000.00} for a product I do not want because of the promised trial period that was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this 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 2024-04-18 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: TX

Complaint narrative:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I can not unfreeze my credit report via equifax 's website. I receive the following msg. 
" Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX ) '' When I called the number ( which is tremendously cumbersome and slow phone system ( to slow consumers ... ) ), after a long wait they told me the system is " down ''. This happens many times for a lot of people. 

That's an absurd! We are in 2024 and their systems should very rarely be down with all the advanced Cloud Computing and Redundancy strategies that can be used etc. In fact, they should be under compliance requirements with XXXX ( for XXXX XXXX ) and are under a lot of other cyber and information systems management regulations to do not prevent consumers to get what they need, when they need it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reporting ongoing challenges I have encountered while attempting to update my personal information on my Equifax credit report. Despite multiple attempts through various channels, the incorrect information persists on my credit report. 

Here is a summary of my efforts to rectify the situation : 1. Dispute Online : In XX/XX/year>, I submitted a dispute online via the Equifax website to address the inaccuracies in my credit report. 

2. Certified Mail Correspondence : - XX/XX/year> : Sent the first certified letter ( XXXX XXXX Receipt Number : XXXX ) detailing the discrepancies and providing supporting documentation. 
- XX/XX/year> : Mailed the second certified letter ( XXXX XXXX Receipt Number : XXXX ) Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copy of the certified letter sent to Equifax.

- Copy of my ID - Copy of utility bill as a proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I filed a dispute # XXXX with Wells Fargo Im regards to 33 unauthorized charges totaling {$4300.00} on my debit card ending in XXXX from an online XXXX site. I believe someone used my card online to play but I was unaware of this. I filed on XX/XX/24 and heard nothing until XX/XX/24 when I was left a message by XXXX from Wells Fargo claims dept asking me to return her call to answer questions. I called back the same day and answered them. The next day I got 2 more voicemails from the same person asking me to call again for questions. I called back again on XX/XX/24 and was told that there was no record of me answering the questions but it was noted that I called the day before. So the person who I talked to on XX/XX/24 for at least 40 min and I answered all the questions with never updated it correctly so XXXX could see. So I answered them again on XX/XX/24 and was told it was being processed. Today on XX/XX/24 I get a message on my online account that the claim was denied because the charges were correct. This is absolutely ridiculous and this is {$4300.00} in charges that I had faith in this bank to handle correctly. There is no proof possible that I did these charges since I did not and I dont think it was even looked into besides asking me questions. One of the questions was if I had personal information on my phone stored which I said I did because I have passwords stored for online accounts. I think this may have been their reason for denying this and thats insane because I also stated that no one has access to my phone or computer. I am highly disappointed how this was handled. I got no temporary credit while this was supposed to be investigated and I can not pay my bills because of this. They waited until the XXXX business day after I filed to deny this so they didnt have to issue one. I am beyond upset at this point

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 2024-04-18 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: LA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX shows as charge-off but the account was settled due to account takeover fraud reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to follow up my previous dispute about certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Even though AspireXXXXXXXX XXXX XXXX has resolved some of the issues that were addressed in XX/XX/XXXX, the XX/XX/XXXX Fees for Annual Fee of {$49.00} and XX/XX/XXXX Account Maintenance Fee of {$12.00} have not been addressed. I will continue to contact CFPB until these two amounts are addressed. This is a closed account and there should not be any other fees other than the principal amount and perhaps the interest on same. That is all I will agree to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 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:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this 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 non-monetary relief
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
I am reporting ongoing challenges I have encountered while attempting to update my personal information on my TransUnion credit report. Despite multiple attempts through various channels, the incorrect information persists on my credit report. 

Here is a summary of my efforts to rectify the situation : 1. Dispute Online : In XX/XX/2024, I submitted a dispute online via the TransUnion website to address the inaccuracies in my credit report. 
2. Certified Mail Correspondence : XX/XX/2024 : Sent the certified letter ( XXXX XXXX Receipt Number : XXXX ) detailing the discrepancies and providing supporting documentation. 

XXXX. Email Correspondence : On XX/XX/2024 I also sent an email to " XXXX '' requesting that they update my personal information to reflect the correct details. 


Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copy of the certified letter sent to TransUnion.

- Copy of my ID.

- Copy of utility bill as proof of my address.

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 2024-04-18 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: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-18 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 reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Certain listed accounts are reported inaccurately and should be promptly expunged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I'm very new to US and arrived in US for work at the end of year XXXX. I applied a discover credit card when I get my SSN to start to build credit history with the country. Everything went smoothly at the very beginning- I got my credit card approved and start to consume with the card. 

I used the card mainly to purhase in grocery stores and rent a car before I purchased my own car. I paied the bills on time with no overdue happened. 

On XX/XX/XXXX, I notice my card was closed in a sudden with no notification. I called Discover to understand the closure reason. They said they were not able to provide the reason on the call but has sent out a notification in mail which should be expected to arrive within 7-10 business days. 

On XXXX XXXX, I called discover again since I still didn't receive the notification. I was redirectly to 5-6 account managers. At the beginning, they told me that the notification has been sent out and they have no idea on why I hav n't received yet. With 5-6 rounds of redirection, they finally re-directed me to the right person and I was told that the notification hasn't been sent out yet. They also told me they had no idea on when the notification will be sent out. 

I want to file the complaint because : 1. I used the credit card correctly and there's no reason that they can close my account. 
2. They promised me to send out the notification but I still haven't received yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-18 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-18 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: OR

Complaint narrative:
I discovered accounts that do not belong to me due to Identity Theft and have filed paperwork with identitytheft.gov and am working to have these fraud accounts removed from my credit reports. I have contacted the companies in question and nothing has been done so I am here now to complain and attempt removal this way.

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 2024-04-18 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: OR

Complaint narrative:
I discovered accounts that do not belong to me due to Identity Theft and have filed paperwork with XXXX and am working to have these fraud accounts removed from my credit reports. I have contacted the companies in question and nothing has been done so I am here now to complain and attempt removal this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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