vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have discovered inaccuracies in my credit report in accordance with 15 USC 16c-2. This erroneous information is affecting my 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 explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize or have any knowledge of the two inquires on my credit file XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: USCB Corporation
State: MN

Complaint narrative:
USCB CORPORATION wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : USBC CORPORATION 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 2024-09-27 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: NC

Complaint narrative:
On XX/XX/year>, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 45 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 45 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the Equifax data breach, raising concerns that it may have fallen into the wrong hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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 credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: CA

Complaint narrative:
I WAS APPROVED FOR A {$150.00} PAYDAY LOAN AND ON THE AUTHORIZED FORM I RECEIVED BY EMAIL SHOWED A REPAYMENT DATE OF XX/XX/year>. INSTEAD THEY WITHDREW THE REPAYMENT AMOUNT ON XX/XX/year> AND NOW I WAS CHARGED A {$29.00} COURTESY FEE WHICH IS A CHARGE FOR OVERDRAFT FEE AND NOW MY CHECKING ACCOUNT IS XXXX DOLLARS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-27 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: NC

Complaint narrative:
See the attached FTC Report concerning the unauthorized inquiries as listed : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Recently Chase sent a letter in response to one of my complaints, where they said they place a fraud block on my account on XX/XX/year>. However, I noticed that my account was blocked on XX/XX/year>. I reported the issue to both Amazon and JPMorgan Chase. 

The lack of transparency and honesty here raises a red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone logged into my Wells Fargo Account and processed 4 wire transfers. the last one was blocked by Wells Fargo. my account has already been closed. 

XX/XX/year> : {$2200.00} ( fee of {$25.00} ) XX/XX/year> : {$2300.00} ( fee of {$25.00} ) XX/XX/year> : {$980.00} ( fee of {$25.00} ) XX/XX/year> : {$990.00} ( blocked and cancelled by Wells Fargo ) I received a letter from Wells Fargo saying they attempted to recover the funds ( from XXXX XXXX, but were not successful. Additionally, the letter said Wells Fargo is not liable according to my online access agreement. " you are responsible for online wires that comply with the governing Security Procedure, even if you did not initiate them '' My ultimate goal is to recover my lost funds totaling {$5600.00}

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 explanation
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
I reviewed my credit report and found several billing discrepancies. These late payments are inconsistent with my usual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-27 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
Identify item ( s ) resulting from XXXX  that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include dates and account numbers. ] Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need everything token off of my credit report because it wasnt me. 
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 non-monetary relief
Consumer complaint received 2024-09-27 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-09-27 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please review the attached letters and ID documents for verification that I, XXXX XXXX, am submitting this complaint. The information on my credit report is incorrect.

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 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
They call me numerous times a week from unknown phone numbers or multiple numbers. It is portfolio recovery, sometimes it will say portfolio recovery and other times it does not. I always block the number number and they call me from a new number. I've answered once and I hung up on them. I would pay the collections if I had the funds. No other debt collections agencies have contacted me whatsoever. But portfolio recovery calls me so often.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX has agreed to a settlement for this account XXXX. Please remove this account as the debt was paid.

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 2024-09-27 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: NJ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-27 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: KY

Complaint narrative:
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 To whom it may concern, I am writing in regard to the ( account number ) on my credit report that has been reported as charged off. I dispute this information as I believe that it is not in compliance with Metro 2 credit reporting guidelines. 

According to Metro 2 compliance guidelines, a charged-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charged off before it reached the 180-day delinquency period.

Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported to credit reporting agencies. The DFD is the date when the account first became delinquent, and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported. 

I request that you investigate this matter and provide me with documentation showing that my account was reported in compliance with Metro 2 guidelines. If you can not provide this documentation, I request that you remove the charged-off status from my account and update my credit report accordingly.

Please note that failure to comply with Metro 2 guidelines could result in legal action, including a complaint to the Consumer Financial Protection Bureau. 
AND IT ILLEGAL TO PUT THIS INFO ON MY CREDIT REPORT MY METRO REPORT BY THE XXXX XXXX XXXX ILLEGAL MEAN NOT AUTHORIZE BY LAW, UNLAWFUL, CONTRARY TO LAW The resolution of this matter now rests with your bureau. I urge you to take appropriate and immediate action. 
Thank you for your attention to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Re : Account Number XXXX To whom it may concern, I am writing in regard to the ( account number ) on my credit report that has been reported as charged off. I dispute this information as I believe that it is not in compliance with Metro 2 credit reporting guidelines.

According to Metro 2 compliance guidelines, a charged-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charged off before it reached the 180-day delinquency period.

Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported to credit reporting agencies. The DFD is the date when the account first became delinquent, and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported. 

I request that you investigate this matter and provide me with documentation showing that my account was reported in compliance with Metro 2 guidelines. If you can not provide this documentation, I request that you remove the charged-off status from my account and update my credit report accordingly.

Please note that failure to comply with Metro 2 guidelines could result in legal action, including a complaint to the Consumer Financial Protection Bureau.

AND IT ILLEGAL TO PUT THIS INFO ON MY CREDIT REPORT MY METRO REPORT BY THE XXXXXXXX XXXX XXXX ILLEGAL MEAN NOT AUTHORIZE BY LAW, UNLAWFUL, CONTRARY TO LAW The resolution of this matter now rests with your bureau. I urge you to take appropriate and immediate action. 
Thank you for your attention to this matter. 

Best Regards, 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