vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit. In that correspondence, I requested EQUIFAX to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EQUIFAX. I strongly believe that EQUIFAX employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EQUIFAX intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EQUIFAX to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$23000.00} - Late/Open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/XXXX - Heartland sent loan to collections XX/XX/XXXX - Heartland reported loan as default XXXX XXXX I called Heartland ECSI XXXX XXXX University , debt collectors ; all 3 companies told me they do have my loan XX/XX/XXXX - Called Heartland ECSI to discuss loan in default. Heartland told me they could not provide any documentation regarding this loan, they only send 'generic information '. Heartland did not have my current home address, phone number, or email ; I have never received communication from them. 

XX/XX/XXXX - loan sent back to Heartland from debt collectors XX/XX/XXXX - I called heartland, paid {$1200.00} to get loan out of default and in good standing. I asked Heartland for information and documentation about this, they said they do not provide paperwork. 

XX/XX/XXXX - Called heartland and XXXX university to provide paperwork, they told me to call the other company XX/XX/XXXX- Heartland report loan out of default to national database. Asked Heartland ECSI for documentation, XXXX said they sent a request to Heartland. Heartland said they did not receive request. 

XX/XX/XXXX- Heartland said they have not received request from school and can not provide documentation of loan in good standing and can not provide any other documentation for loan XX/XX/XXXX - Debt resolution group said my loan has never been reported as in default. XXXX university has not responded. Federal Student Aid told me I need to get documentation from Heartland, Heartland told me to call XXXX, XXXX told me to call Heartland. 

Start date for my new school has been postponed due to this issue and had to pay XXXX XXXX of my class fees ( {$8000.00} ) due to starting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following inquiries are unauthorized and are to be removed from my credit report : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I personally reached out via certified mail to several debt collectors regarding accounts allegedly owned by me. To request verified information that would show proof of ownership of these account. I have been a victim of identity fraud in the past and have also found my personal information on several dark web sites, which has led me to believe these accounts were created in error under my information. Some of the accounts in question date all the way back as far as 2018. I have listed all questionable accounts below. 

First progress : Extra : Lvnv funding source llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: ID Analytics, Inc.
State: TX

Complaint narrative:
In XXXX, I contacted XXXX to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. 

I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( XXXX Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, XXXX has failed to remove these items from my report. 

The fraudulent account with XXXX, for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with XXXX, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. 

XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation.

Actions Taken : Submitted identity theft and police reports. 
Contacted XXXX in XXXX to request removal of fraudulent accounts. 
Disputed the fraudulent accounts with creditors and other credit bureaus. 
Resolution Requested : I request that XXXX immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
On XX/XX/XXXX, we paid XXXX XXXX XXXX the amount of {$6600.00} for a beach rental the week of XX/XX/XXXX. This payment was made using our Discover credit card. We have recently been informed that Stellar Property Management is no longer in business and XXXX XXXX ( owner of Stellar ) has been stripped of their broker license while allegations of fraud are being investigated by the XXXX XXXX XXXX XXXX. We rented with XXXX XXXX XXXX with the terms that we could receive a full refund 90 days prior to the rental date and have tried unsuccessfully to receive our refund as there are no current employees at XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

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 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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
An online wire transfer for {$1800.00} was sent from my Wells Fargo Everyday Checking account ending in XXXX on XX/XX/year> to an entity ( Hospital ) in XXXX Wells Fargo shows that this wire has been in a completed status as of XX/XX/year>, and the confirmation number is XXXX. 

On XX/XX/year>, claim XXXX was created as the money was not in the beneficiary account when Wells Fargo was made aware that the beneficiary did not receive the funds and I would like to retrieve those funds. 

Well Fargo closed my claim stating they tried to retrieve the money by contacting the beneficiary but were not successful in reaching out to them I havent still received any official record of the successful wire trace or the swift copy showing the hops and where the money went

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 2025-01-06 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: SC

Complaint narrative:
I noticed several inaccuracies on my credit report and sent a formal demand letter to Experian for immediate investigation and correction. The specific issues I identified include inaccurate reporting of late payments by certain creditors, incorrect debt entries, and unauthorized hard inquiries. I also disputed incorrect personal information, such as addresses. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inaccuracies, and Experian is obligated to investigate them within 30 days as per 15 U.S.C. 1681i. I cited relevant legal precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which require Experian to ensure they maintain the highest standards of accuracy when investigating disputes. 

I also referred to 15 U.S.C. 1692g, which mandates that debt collectors provide validation of debts, and requested that they prove the validity of certain items on my report. I made it clear that if Experian fails to resolve the issues within the mandated timeframe, I would escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursue legal action. Furthermore, I requested a detailed description of the procedures used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I expect a prompt resolution, and any delay or negligence in addressing these issues would not be tolerated.

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 2025-01-06 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: FL

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

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 2025-01-06 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: DE

Complaint narrative:
I used to have an account with Wise ( previously known as TransferWise ). I transacted of lot using their service, and one day all of a sudden they decided to close my account, giving me no reason as to why. I sent all supporting documents to verify and show my transactions but they refused to restore my account. 

A few years have passed and i am ready to restart this activity of mine ( purchases and resales of products in different countries, thus my need of good FX rates that Wise provides ). I tried to open an account with Wise again, and half way through the registration i was kick out and not able to finish opening the account. 

Wise is not providing any reason and should not be refusing to open an account for a completely legal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: HI

Complaint narrative:
In XX/XX/2021 I leased a new XXXX XXXX from Tesla ( VIN # XXXX ). I live on the XXXX XXXX XXXX Hawaii and given that the dealership is in XXXX, Tesla arranged shipping of the vehicle from their dealership in XXXX to a port near my home on the XXXX XXXX. All of that was part of the destination fee. During the lease at some point their changed their policy regarding taking control of the shipping from remote islands to their XXXX dealership and I learned as I was nearing the end of the lease that the responsibility for getting the car back to XXXX was solely on me. I complained to Tesla and mentioned that the process to arrange private shipping is time consuming, expensive ( {$1500.00} ) as an individual and if I knew I would have to do this back in XX/XX/2021 - I would have leased or bought a different brand of car. 

Tesla appreciated my concerns and said that for my trouble I would be granted {$500.00} of excess wear waiver and they would waive my disposition fee of {$390.00}. When the time came to return the car ( this past XXXX ) I went through the shipping process and then received an invoice for wear and the disposition fee totaling {$1100.00}. The credits of {$890.00} plus sales tax were not included on the invoice. When I reached Tesla and showed them the note I received they said that given I was not getting a new Tesla I was not eligible for the credits. They played me between two of their departments saying " Department A did not get this approved with Department B so this note is not valid ''. Being put between the corporate bureaucracy at Tesla is not fair. Tesla finance refused to honor the granting of credit and I was already out {$1500.00} for shipping the car - having it driven to Tesla, checking on it daily for a week and hours of my time over several months. 

My request here is that I am refunded for the credits ( $ XXXX $ XXXX tax ) at minimum. I also believe that Tesla should be responsible for a portion of the shipping fee I had to incur to ship the car. When they shipped the car to me- the fee from XXXX to the XXXX XXXX was a lot less than {$1500.00}. I think they should also rethink their business practices of charging remote island customers given they were not transparent with me. 
Thank you for your help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MO

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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

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