vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2023-08-29 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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:
This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/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 2023-08-29 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: TN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed personal information that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 


Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. 

Thank you for your swift attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have made a transaction using my Chase Freedom Credit card to purchase a flight ticket on XX/XX/2023. Later, I have decided to change the flight ticket date and tried to contact the Merchant but XXXX  never responded. There is an option in their portal to request cancellation and XXXX  will let me know whether I will get the refund or not. But they have canceled my ticket without my approval or confirmation. They have given me {$10.00} of refund out of {$670.00}. I have tried to reach to XXXX but they never responded to me. 

I have disputed the transaction with Chase company and submitted the required documentation. Chase team keep denied my dispute and they did not provide any response. They keep providing me the reason that my transaction is valid and can not issue credit. I have contacted them multiple times and they ask me to submit the documentation every time I call them. I have re-opened claim for 6 times in past 3 months but they keep giving me the same reason. Today, they told me that the timeline has already passed the timeline and they can't issue credit for my transaction of worth {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: MI

Complaint narrative:
My name, address, phone are all wrong across all credit reporting agencies and its affecting my ability to obtain credit for car and home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: MI

Complaint narrative:
My name, address, phone are all wrong across all credit reporting agencies and its affecting my ability to obtain credit for car and home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX Re : loan # XXXX DMI I am reaching out fir your help after to nearly 7 months of effort requesting a forbearance extension. 

In XX/XX/XXXX, I was approved for a 3 month forbearance under the CARES Act COVID related forbearance, for time period XXXX XXXX XXXX 
On XX/XX/XXXX, per the original forbearance approval letter and verbal instructions, I requested a 3 month extension on my forbearance. 

In XXXX I began receiving collection calls and the servicer began requesting payment in full for the missed payments while in Forbearance under CARES Act.

I have been working with them for months, to no avail, on forbearance. 
I have attached phone record history and email/ loan solution center history showing my immediate responses of requests for documentation. 
During this time perid DMI has negatively reported my mortgage account which has resulted in numerous creditors reducing my credit lines and damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TX

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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
During a recent review of the consumer 's credit report, we discovered inaccuracies pertaining to three collections accounts managed by Midland Credit Management. Specifically, between XX/XX/2023, and XX/XX/2023, there were unexplained increases of {$1.00} each in the balances of these accounts, as detailed below : Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$6400.00} New Balance ( as of XX/XX/2023 ) : {$6400.00} Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$450.00} New Balance ( as of XX/XX/2023 ) : {$450.00} Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$340.00} New Balance ( as of XX/XX/2023 ) : {$340.00} These discrepancies are not only concerning but also detrimental to the consumer 's creditworthiness and financial standing. It is imperative that these inaccuracies are promptly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the consumer 's credit report. 

We kindly request the following actions be taken : Conduct a thorough investigation into the reported inaccuracies in the balances of the XXXX  collections accounts managed by Midland Credit Management for the specified time frame. 

Verify the accuracy of the information reported by Midland Credit Management and ensure that any erroneous data is rectified immediately. 

Remove the incorrect information from the consumer 's credit report to prevent any adverse effects on their creditworthiness and financial standing. 

Provide a written response outlining the findings of the investigation and the actions taken to resolve this matter. 

We appreciate your prompt attention to this issue and your dedication to maintaining the integrity of the credit reporting system. Please do not hesitate to contact us at XXXX if you require any further details or documentation to assist in your investigation. 

Thank you for your assistance in rectifying these inaccuracies and ensuring fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I received online notification from all three credit bureaus on that ENHANCED RECOVERY COMPANY place a Collection account on my credit report in the totals of {$63.00}. I do not have an account or agreement with. ENHANCED RECOVERY COMPANY. ENHANCED RECOVERY COMPANY violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, an unknown person signed into my bank account and used Bill Pay to send {$9800.00} to an XXXX card. Despite that the IP address, location, and Internet provider were all different then my usual access to my bank account Wells Fargo refuses to agree this was fraud. Stating the person used my user name and password and that's enough for it not to be fraud. To also note I've also been with Wells Fargo for 38 years, and have never once used Bill pay to make a payment for anything or claimed fraud on this account. The name on the XXXX card is not mine. This also happened at XXXX in the morning my time when I would never access this account. In addition there was another Bill Pay done at the same time for {$4500.00} that I did find on XX/XX/XXXX that had not gone through, that I immediately cancelled. There were also attempts to change the phone number on the account on the XX/XX/XXXX as well. That Wells Fargo can not look at this and see this was fraud is ridiculous. There was no notification to me that a {$9800.00} transfer using a service I never use was being done. 

In addition it took them 2 months to finally advise us that there denial was solely due to the user name and password, in the meantime we heard stories of the same IP being used, I had to go down to a local bank and prove where I was ( which I did ), etc. All of which had nothing to do with the final reason they denied the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
I am submitting this complaint to EQUIFAX due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: TN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-08-29 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: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not have a bankruptcy.. I was told to contact XXXX XXXX  who verified I do not have a bankruptcy at all but XXXX added one to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I do not have a bankruptcy.. I was told to contact XXXX XXXX  who verified I do not have a bankruptcy at all but XXXX added one to my account

Company response to consumer: Closed with explanation