vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
I just recently looked at my credit report from XX/XX/XXXX. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: PA

Complaint narrative:
On XX/XX/2017 I filed a disputed online with Experian. I also called experian on XXXX XXXX and let them know they were reporting inaccurate information on my credit report. I uploaded my Drivers license and they still told me I could dispute the address XXXX XXXX XXXX XXXX XXXX. Pa XXXX. 
I only have one address and I XXXX XXXX XXXX XXXX. Removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargos credit card department on Saturday, XX/XX/2024, on or around XXXX XXXX XXXX. I spoke to an agent named XXXX in the XXXX. He provided false and misleading statements saying my Wells Fargo credit card was reported 30 days past due, 60 days past due, and 90 days past due, and that is also how it would reflect on my credit report. 

This is false. The fact is I have never been 30 days past due on my Wells Fargo credit card account. 

XXXX refused to provide his employee ID number and the name of his supervisor. 

I seek to hold XXXX and Wells Fargo accountable for providing false and misleading statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
This account was charged off on the following date XX/XX/year> since then the account has repeatedly been update as charged off every month this is an update in the payment history.A charged off account should not incluide an active payment history.this inaccurate information falsely manipulates the statute of limitations, You failed to investigate this account properly and your neglect has violated my rights .I am demanding a deletion of the following account XXXX 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 2024-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after the credit bureau investigation I would like for this to immediately be investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX accordance with the Fair Credit Reporting Act Public Law XXXX, XXXX VI, Secton 611 subsection A-D please provide please provide the name and businesses adresses of each individual with whom you verified the above so that I may do a follow up. Please send me an update credit report of after reopen investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: NJ

Complaint narrative:
This company they put wrong information to credit report ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I requested said info from company. I have no obligation to midland credit management. Ive instead received countless calls trying to obtain my personal information from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I paid my account off as agreed upon with a representative of the company, in return the account would be removed from my credit reports. To date, the account is still showing on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit management has been harassing my XXXX XXXX XXXX who was not responsible for this debt incurred XXXX years ago, when we were not married. Midland credit management has called his cell phone maybe 8 times in a morning, using rapid robocalling. They never leave a message, and in any event, this debt has nothing to do with my husband, was charged off, and is past the limit to either initiate legal action against me or to report the debt to the credit bureaus. They did not initially tell me that, my husband noticed it when he read the notice at the bottom of the second page of the report. 

Twice I have asked MCM to stop calling him, the first was by my husband on a phone call with them, and that's when they ignored the request and started robodialing him every morning. They responded with a letter claiming that we asked for information that verifies the debt. We did not ask for clarification, in fact we asked them to contact us if, and only if, they were collecting on a debt that could be reported to the credit agencies or they could file suit to collect on. We again made that request in writing, and again their response indicated they were mailing us information about the debt, and, again, we did not ask for information about the debt, we asked them to stop contacting us. This is what prompted me to file this complaint. 

The simple fact is that this company buys uncollectable debt that can no longer be reported to the credit agencies and can no longer sue for collection of the debt, for XXXX  on the dollar, and then harasses the person originally responsible for the debt, in the hopes that ignorance of consumer rights would cause a person to pay the old debt when it is not necessary to pay it. In our case, they keep harassing the wrong person, my new husband, via robocalls, who has absolutely no responsibility for the debt, none at all, as it was not even a reportable debt when we married in XXXX. 

I had dealt previously with MCM credit management, again in XXXX, on another debt related to an old misdemeanor, which a court of law had removed and cancelled the fine. Yet, XXXX harassed me about that debt, when, in fact, there was no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: LA

Complaint narrative:
I am a known victim of identity theft. I have already reported this information to law enforcement, the credit bureaus as well as the creditos. I did the whole process right, and sent off letts with my IDs and the reports. It has been several months and I have heard NOTHING back except that XXXX corrected a few addresses the thieves used. Please can you assist XXXX with this mess? It is ruining my life!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: LA

Complaint narrative:
I am a known victim of identity theft. I have already reported this information to law enforcement, the credit bureaus as well as the creditos. I did the whole process right, and sent off letts with my IDs and the reports. It has been several months and I have heard NOTHING back except that Equifax corrected a few addresses the thieves used. Please can you assist XXXX with this mess? It is ruining my life!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a chase bank personal savings & checking account ; on XX/XX/XXXX someone has gained access to my email account & progressed to hack into my chase bank accounts & mobile deposit fraudulent checks. Chase bank has undergone a thorough investigation with the loss prevention department & also the fraud department & concluded that I was indeed a victim of fraud. 

The loss prevention department insisted that I schedule an appointment with a branch to establish & reopen my accounts. On XX/XX/XXXX at XXXX I attended my appointment for my chase bank to be reopened & the banker who assisted me with this request REFUSED to assist me with reopening my accounts ; this individual has undergone DISCRIMINATION & PREJUDICE AGAINST ME AS A CLIENT due to history prior to this event taking place & the banker not understanding the situation itself properly. This banker needs to be FIRED & I WOULD LIKE TO SUE. This banker stated that he could not open my account due to him not wanting to at a branch level be responsible if reopening this account. He didnt state that I CAN NOT reopen my account due to any circumstance on file OR ANYTHING. AFTER THIS HE THEN FILES A CREDIT CARD APPLICATION XXXX MINUTES LATER FOR ME AFTER STATING ALL OF THIS. AFTER THIS HE THEN SPOKE WITH ME ABOUT CORPORATE MUSIC IXXXX XXXX BECAUSE HE WAS UNAWARE OF THE XXXX XXXX  I OWN. HE THEN HANDS ME HIS PRIVATE BANKING CONTACT INFO TO REACH HIM DIRECTLY AND VERBATIM STATES TO KEEP IN TOUCH & THAT XXXX SEE WHAT HE CAN DO TO REOPEN MY ACCOUNTS??? THIS IS AGAINST POLICY 100 % & ENTIRELY AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: MD

Complaint narrative:
There is a XXXX XXXX XXXX  reported on my credit I have disputed it for years. the information is inaccuarate and can not be validated. I reached out to the bankrutcy court and they sent a letter stating that they do not report or confirm accuracies reported by these credit agencies. I have attached a copy of the credit lines and thier inaccuracies. along with the letter form the court house that clearly states this information was illegally retainied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC, XXXX Complaint Department XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CFPB Im writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible.Please look into this ( these ) matter ( s ) and ( delete or correct ) the unverifiable and inaccurate item ( s ). Also I'm asking for the removal of all incorrect information under section 1681 of the consumer credit reporting act for misuse of information an not verification of correct information, provided unverified information, wrongly processed, not up to date information, wrongly distributed information such as name, addresses, inquiries, collections, chargeoffs, that are inaccurate an not updated. All inaccurate information has violated my constitutional rights as a class 1 felony under federal law for defamation of character damaging my image to others causing long lasting damaging decisions for the way others see me. PLEASE FIX ERRORS AN UPDATE NEW CREDIT REPORT.

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC, XXXX Complaint Department XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CFPB Im writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible.Please look into this ( these ) matter ( s ) and ( delete or correct ) the unverifiable and inaccurate item ( s ). Also I'm asking for the removal of all incorrect information under section 1681 of the consumer credit reporting act for misuse of information an not verification of correct information, provided unverified information, wrongly processed, not up to date information, wrongly distributed information such as name, addresses, inquiries, collections, chargeoffs, that are inaccurate an not updated. All inaccurate information has violated my constitutional rights as a class 1 felony under federal law for defamation of character damaging my image to others causing long lasting damaging decisions for the way others see me. PLEASE FIX ERRORS AN UPDATE NEW CREDIT REPORT.

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC 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 2024-04-28 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: NC

Complaint narrative:
Unauthorized hard inquiries to my credit i dont recognize XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX Transunion 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 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
Consumer complaint received 2024-04-28 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: NC

Complaint narrative:
Unauthorized hard inquiries to my credit i dont recognize XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 non-monetary relief
Consumer complaint received 2024-04-28 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am writing to address a discrepancy on my credit report. It appears there is a charge-off listed that has already been discharged.

I contacted the IRS and they confirmed that the debt is no longer outstanding. According to the IRS, information regarding discharged tax debt should not be reported as a charge-off on credit reports. 

I kindly request that you investigate this discrepancy and remove the charge-off from my report if it is found to be inaccurate. Additionally, if a 1099-C was issued related to this discharged debt, I would appreciate it if you could provide a copy for my records. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: MOHELA
State: AZ

Complaint narrative:
I am writing to address XXXX XXXX XXXX, where I was enrolled until its unfortunate closure. Due to this unforeseen circumstance, I am entitled by law to receive a refund for any outstanding fees or loans associated with my education at the institution. 

Furthermore, I kindly request that my loan information on my consumer report be promptly updated to reflect that it has been paid in full. This adjustment is crucial for maintaining the accuracy of my financial records and ensuring that my credit history remains unaffected by the closure of the college. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to update my loan information accordingly. If you require any additional documentation or information from my end, please do not hesitate to reach out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation