vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: NY

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-09 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: NJ

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX Balance : {$100000.00}

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX  Balance : {$100000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
Hey, did not do a full investigation on the collector they are reporting reagent the charger off And written off they have the date of opening incorrect The charge off date incorrect The amount is written off incorrectly. A reporting on my credit report as open Would you please look into this for me because they are doing unlawful reporting Back the date is XX/XX/XXXX recent balance XXXX as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NY

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 Account Number : XXXX Account Name : 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 Account Number : XXXX Account Name : 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: RI

Complaint narrative:
XXXX XXXX  - I got a text from Harris & Harris ( collection firm for the XXXX XXXX. They provided a link which said I owed {$67.00}. I responded, asking them to prove the debt. ( Days passed w/no response ). The reference # that H & H gave was XXXX. 
XX/XX/24 - I called H & H and talked to a XXXX XXXX ( XXXX ). She Told her that I was sure that I owed a toll, but that I would not pay, what I was positive, was a late fee. I explained that I, in previous years, as I have traveled to and fro XXXX to the XXXX XXXX, have been assessed many late charges from XXXX XXXX XXXXXXXX XXXX XXXX XXXX that I refused to pay. I have sent letters those Authorities and even to some governors ( no response ). They assess late charges, 14 days after the automated bill is sent to the driver 's home. I told all of them, that they can not dictate my travel/vacation time away from ( essentially telling me that I need to be back home within 2 wks ) home, and that I must hustle back to my residence to to pay their bill. I also said that if there was an option to pat the toll at each booth, there would be no problem, that is virtually non existent. XXXX XXXX continued to ignore everything I said, and simply kept asking, when I would pay.

This ended being a shouting match after about 10 minutes and I hung up.

My contention is, if you remove the option for the driver to pay at the booth, you can not predict when I will be back home. If I were going on a whirlwind tour from XXXX to XXXX XXXX and down XXXX to XXXX, XXXX, then to XXXX, XXXX and then back up through XXXX and XXXX, XXXX, XXXX and then home, I would have to curtail my trip, so as to not effect my credit history. And I mention all these sites because my family and business interests are there. ( My credit rating hovers between XXXX and XXXX, so this is not a rant of someone who doesn't pay his bills. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was charged overdraft fees by Navy Federal when I had available funds

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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied and was approved in the morning of XX/XX/XXXX for the Citi XXXX XXXX card. I chose this because I have a trip coming up for medical purposes. They locked the credit card on the XXXX before I even received the physical card in the mail or did anything aside from log in to my own account. After they locked my account before I even received the credit card, without reason and without my permission, they refuse to use the phone number or email on the application ( which they approved ) to " verify '' my identity. They claim government ID is also not verification and me receiving the physical credit card on XX/XX/XXXX is also not verification, but a worthless piece of paper in the mail to waste weeks of my time is. They lied to my by sending me an email after I had the credit card in hand and verified it on XX/XX/XXXX. They insist there was fraud when there were ZERO purchase attempts and my credit card had not even arrived yet. 
I called the Citi XXXX XXXX unit but they claim they can take weeks to do anything. The damage is in the time I have lost, they are burning weeks of time for me to earn the bonus points through spending ( which is the reason I chose this credit card ) and could jeopardize my medical travel. 

This is beyond disgusting and illegal. Refusing my phone number, email, government ID after putting an inquire on my credit record AND having the physical credit card in hand is fraud. This is being done out of spite and is completely open to fraud and damage to an individual, not against 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 2024-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am deaf and struggling heavy debt bills in past and quit job XXXX and lost XXXX XXXX because my serious health problems I have XXXX XXXX XXXX XXXX stress, fatigue, becoming illness and regional financial loan keep pushing to hard rush force about money owe balance and keeping call or letters they need stop and respect me and threaten take me court and I am very sick and I have money problems situation if they keep do this I will go hospital again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I e-deposited a check from XXXX, XXXX for {$1100.00} on XX/XX/XXXX. The next day, Wells Fargo withdrew the funds and placed a hold on the deposit until XX/XX/XXXX, instructing me to contact the check issuer. After speaking with the issuer, I was told that the bank 's actions might be within federal guidelines. When I called Wells Fargo to understand why the hold was placed, they only stated that they were following federal guidelines. When I questioned the reason for the hold and mentioned that the duration seemed excessive, the representative became defensive, insisting that the hold was standard practice. I explained that I had cashed many checks before and that this situation was not typical. I asked which specific federal guidelines they were referring to, but they refused to provide details. The representative assured me that the funds would be available on XX/XX/XXXX but, when I mentioned that the issuer confirmed the funds were with the bank, I asked why Wells Fargo was holding the transferred funds. The representative then questioned whether I was certain about the issuer 's statement and suggested it was a matter of the issuer 's word against the banks. The conversation continued unproductively for about two more minutes, after which I indicated that I would reconsider my relationship with the bank. The call ended with the representative responding with a hostile, Have a good day.

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 2024-11-09 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and 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
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently tried to pull my credit report and credit score i discovered there was a blockage place on my credit profile by Transunion due to my identity. I was told I needed to upload proof as well as something stating I was a victim of XXXX XXXX. Ive sent in this letter via mail to the credit bureaus and the block yet is still not removed along with proof of my identity

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected USC consumer rights to privacy and confidentiality under 15 1618 Account Name : XXXX XXXXXXXX XXXX Name : XXXX Current XXXX Dated XXXX Account Name : XXXX XXXX Agency Name XXXX XXXX Current Balance:XXXX  Date Reported:XXXX Account Name : XXXX XXXX XXXX XXXX Name : XXXX Current Balance:XXXX Date Reported:XXXX Account Name : XXXX XXXX Agency Name : XXXX XXXX XXXXXXXX Current XXXX Date XXXX Account Name : XXXX XXXX XXXX  Agency Name : XXXX XXXX  Current Balance:XXXX Date XXXX 15 U.S.C 1681 Section 604 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an 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 information, other than records of convictions and crimes which antedates the report by 7 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 they are providing is not accurate.

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 2024-11-09 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: CA

Complaint narrative:
I submitted a request for Experian and XXXX XXXX to provide me with proof of their 'investigation technique ' and source of the erroneous information being reported on my credit report on XX/XX/year>. I again sent a follow up letter on XX/XX/year> for an update. I have yet to receive a response from Experian about my request. Today is XX/XX/year> and Experian and XXXX XXXX have not responded. This timeframe exceeds the XXXX investigation period allowed under the FCRA. Please see attached letters which provide content and dates sent. The items being disputed are 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