vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, my credit and debit cards were stolen out of my car. Within XXXX minutes of parking my car, the cards were then used to make purchases a nearby XXXX ( {$930.00} on a Wells Fargo credit card ) and XXXX XXXX ( {$500.00} on a Wells Fargo debit card ; {$2800.00} & {$2300.00} on a XXXX XXXXXXXX credit card. 

Soon after that, I noticed the fraud alerts on my phone and email, and contacted all of the card companies to cancel the stolen cards and dispute the fraudulent charges. All of the charges were credited back to me while they were investigated except for the Wells Fargo Debit transaction of {$500.00}. So I called Wells Fargo again on the following day, XX/XX/XXXX, and I manually disputing the charge on their website. I was told to wait for XXXX business days so they could review. 

On XX/XX/XXXX, I saw that the charge was still there and Wells Fargo hadn't issued a credit while they looked into the claim. So I called again to make sure they issued a credit. 

Finally by XX/XX/XXXX I received mail from Wells Fargo stating that the transaction " was authorized or that a processing error did not occur. '' So I called Wells Fargo again to appeal, and asked for the notes on the investigation. All I was told was the bank deemed " no fraud had taken place. '' I offered to give them the police report I filed, or any other evidence needed to appeal the decision. But they told me they would review the case again, and to call back in 1 to 2 business days.

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 2024-03-13 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: DISCOVER BANK
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I am writing to dispute the accuracy of the information in my credit report, pursuant to 15 U.S. Code 1681s2 and 15 USC 1681s-2 ( a ) ( 7 ). I demand that you immediately investigate and remove the following items, which I believe are inaccurate and are harming my creditworthiness : I have absolutely no affiliation with of The address XXXX XXXX XXXX XXXX XXXX XXXX CA, Please remove this address as it is HIGHLY INACCURATE. 
XXXXXXXX XXXX XXXX  account that was added to my profile XX/XX/XXXX is a business account that is currently in good standing still and should be removed from my personal immediately. HIGHLY INACCURATE. 
XXXX : XX/XX/XXXX XXXX was a result of fraud and should immediately be removed from my credit.I gave creditor no authorization to run my credit and should be immediately removed. 
XXXX XXXX  XX/XX/XXXX is another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXXXXXX XXXX : XX/XX/XXXX s another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX XXXX : XX/XX/XXXX is another inquiry that needs to be removed immediately. Institution had no authorization to pull my credit. 
XXXX is inaccurate, They are not my current employer and need to be removed immediately. 
These items have a negative impact on my credit as it dropped XXXX points in XXXX days. These negative items on my report are in direct violation of 15 USC 1681s-2 ( a ) ( 7 ) and U.S. Code 1681s2. These items have a severe impact on my credit as it dropped XXXX points in XXXX days and should be remedied immediately. 

If you do not correct these errors in my credit report, you are in direct violation of the Fair Credit Reporting Act ( FCRA ), which could subject you to civil liability and damages. 

Please note that I take this matter very seriously and will pursue all legal remedies available to me, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau, initiating legal action against you, and seeking punitive damages. 

I demand that you respond to my dispute within 30 days of receiving this letter, in accordance with the FCRA. Failure to do so will only serve to further demonstrate your deliberate and willful disregard for the law and your obligation to accurately report my credit information. 

Sincerely, [ 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 2024-03-13 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: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I am writing to dispute the accuracy of the information in my credit report, pursuant to 15 U.S. Code 1681s2 and 15 USC 1681s-2 ( a ) ( 7 ). I demand that you immediately investigate and remove the following items, which I believe are inaccurate and are harming my creditworthiness : I have absolutely no affiliation with of The address XXXX XXXX XXXX XXXX XXXX XXXX CA, Please remove this address as it is HIGHLY INACCURATE. 
XXXX Credit card account that was added to my profile XX/XX/XXXX is a business account that is currently in good standing still and should be removed from my personal immediately. HIGHLY INACCURATE. 
XXXX : XX/XX/XXXX Inquiry was a result of fraud and should immediately be removed from my credit.I gave creditor no authorization to run my credit and should be immediately removed. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX  : XX/XX/XXXX s another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is another inquiry that needs to be removed immediately. Institution had no authorization to pull my credit. 
XXXX is inaccurate, They are not my current employer and need to be removed immediately. 
These items have a negative impact on my credit as it dropped XXXX points in XXXX days. These negative items on my report are in direct violation of 15 USC 1681s-2 ( a ) ( 7 ) and U.S. Code 1681s2. These items have a severe impact on my credit as it dropped XXXX points in XXXX days and should be remedied immediately. 

If you do not correct these errors in my credit report, you are in direct violation of the Fair Credit Reporting Act ( FCRA ), which could subject you to civil liability and damages. 

Please note that I take this matter very seriously and will pursue all legal remedies available to me, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau, initiating legal action against you, and seeking punitive damages.

I demand that you respond to my dispute within XXXX  days of receiving this letter, in accordance with the FCRA. Failure to do so will only serve to further demonstrate your deliberate and willful disregard for the law and your obligation to accurately report my credit information. 

Sincerely, [ 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history. As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. I demand that XXXX immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: AL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
It seems FCRA 605B necessitates the exclusion of any erroneous accounts from my credit report. Could you kindly review the documents? Some of the mentioned accounts are inaccurate, which is unsettling for me.

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 2024-03-13 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: PA

Complaint narrative:
I had a personal loan with XXXX XXXX XXXX XXXX and because of the covid-19 I couldn't pay on it and it went to collections sometime later I contacted the credit union I made arrangements a little before XX/XX/20 and I started paying on the loan sometime later I finally paid off the loan on XXXX, XXXX but I went to pull my Equifax credit report and it's still saying it's in collections/ charge off which is not true and I know what the Fair credit reporting act that they have to report accurate information and I will show the actual law that they have to follow I will show also as well that the bank statement showing that I owe absolutely nothing on this loan and it's paid off and the attachment below the account number that Equifax has associated with this account is account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: TN

Complaint narrative:
This company, National Recovery Agency, continuously texts and calls at all times of the day and night even at XXXX. They recently violated the FDCPA 7 in 7 rule when they contacted me eight times within less than five days. And they dont care what time of the day or night. 

Friday, XX/XX/2024 - texted total of 3 times Tuesday, XX/XX/2024 - texted total of 4 times. Started texting at XXXX and texted 3 times within the next XXXX minutes. Then texted again at XXXX ( rules state not past XXXX ) Wednesday, XX/XX/2024 - texted XXXX time at XXXX. The eighth time in 5 days and again, outside of the designated time frame for contact. 

After they woke me up with that text, I texted back informing them that I would be filing a claim and contacting my attorney.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my report, my address is XXXX XXXX XXXX XXXX, Georgia XXXX any other address is not mine and should be immediately deleted. The credit bureaus are required under federal law to report accurate information. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my report, my address is XXXX XXXX XXXX XXXXXXXX, Georgia XXXX any other address is not mine and should be immediately deleted. The credit bureaus are required under federal law to report accurate information. 

( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-03-13 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full.

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 2024-03-13 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: TX

Complaint narrative:
I am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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