vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-02-26 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: VA

Complaint narrative:
Identity Theft : On XX/XX/2021 I discovered that an individual using my personal information, including my name, address, and Social Security number, fraudulently opened a timeshare account with XXXX XXXX XXXX XXXX without my authorization. 

Unauthorized Bank Account Connection : Furthermore, the individual responsible for this identity theft connected my bank account to the timeshare account for automatic payment. As a result, funds have been deducted from my bank account without my knowledge or authorization to cover expenses related to the unauthorized timeshare account. 

Notification to Authorities : Upon discovering this fraudulent activity, I immediately contacted my bank to report the unauthorized charges and initiated an investigation into the matter. Additionally, I have filed a police report with the XXXX POLICE DEPARTMENT ON XX/XX/2021 documenting the identity theft and unauthorized use of my personal information. 

Request for Investigation : I hereby request that the Federal Trade Commission ( FTC ) conduct a thorough investigation into this matter to determine the extent of the identity theft and take appropriate action against the individuals responsible. I also request that XXXX XXXX XXXX XXXX be notified of the fraudulent activity and instructed to cease all further transactions associated with the unauthorized timeshare account. 

Assistance with Resolution : Furthermore, I request assistance from the FTC in resolving any financial liabilities incurred because of this identity theft, including reimbursement for any funds unlawfully withdrawn from my bank account and the removal of any negative marks on my credit report associated with this fraudulent activity. This has affected my credit report and I have disputed this item with the three credit bureaus they are not helping please help cfpb I have enclosed copies of relevant documentation, including the police report, bank statements, and any other supporting evidence, to assist with your investigation. Please contact me at the above-listed contact information if additional information or clarification is needed. 

Thank you for your prompt attention to this matter. I trust that the FTC will take swift action to address this case of identity theft and protect my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: VA

Complaint narrative:
Identity Theft : On XX/XX/2021 I discovered that an individual using my personal information, including my name, address, and Social Security number, fraudulently opened a timeshare account with XXXX XXXX XXXX XXXX without my authorization. 

Unauthorized Bank Account Connection : Furthermore, the individual responsible for this identity theft connected my bank account to the timeshare account for automatic payment. As a result, funds have been deducted from my bank account without my knowledge or authorization to cover expenses related to the unauthorized timeshare account. 

Notification to Authorities : Upon discovering this fraudulent activity, I immediately contacted my bank to report the unauthorized charges and initiated an investigation into the matter. Additionally, I have filed a police report with the XXXX POLICE DEPARTMENT ON XX/XX/2021 documenting the identity theft and unauthorized use of my personal information. 

Request for XXXX : I hereby request that the Federal Trade Commission ( FTC ) conduct a thorough investigation into this matter to determine the extent of the identity theft and take appropriate action against the individuals responsible. I also request that XXXX XXXX XXXX XXXX be notified of the fraudulent activity and instructed to cease all further transactions associated with the unauthorized timeshare account. 

Assistance with Resolution : Furthermore, I request assistance from the FTC in resolving any financial liabilities incurred because of this identity theft, including reimbursement for any funds unlawfully withdrawn from my bank account and the removal of any negative marks on my credit report associated with this fraudulent activity. This has affected my credit report and I have disputed this item with the three credit bureaus they are not helping please help cfpb I have enclosed copies of relevant documentation, including the police report, bank statements, and any other supporting evidence, to assist with your investigation. Please contact me at the above-listed contact information if additional information or clarification is needed. 

Thank you for your prompt attention to this matter. I trust that the FTC will take swift action to address this case of identity theft and protect my rights as a consumer. 

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I met the terms of our agreement, yet the account is still not off the bureaus and at that reporting consistently inconsistent from one bureau to the next. 
I have a good relationship with this card company and do not want to jeopardize that but the information the bureaus are regurgitating have already been on my report and nothing has changed as agreed. 
Completed XX/XX/XXXX Custom Reason Conflicting account information across all bureaus on this account. XXXX XXXX XXXX here Showing as collection CO However should be removed and not be reporting at all. Settled for less than full balance in XXXX paid in full. Currently still reporting on this closed account showing current with no lates on XXXX XXXX reported lates on XXXX XX/XX/XXXX or XXXX. XXXX and XXXX both showing XXXX lates XXXX, XXXX, XXXX this conflicts the paid in full account being reported XXXX. 
Sent XX/XX/XXXX I Previously Disputed This I have new accounts established with you which are all in good standing and looking to scale my business ' with you in other ways however this account and another are obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. Previously I disputed this account stating : " Conflicting account information across all bureaus on this account. XXXX XXXX XXXX here Showing as XXXX  XXXX. However, should be removed and not be reporting at all. Settled for less than full balance in XXXX paid in full. Currently still reporting on this closed account showing current with no lates on XXXX XXXX reported lates on XXXX XX/XX/XXXX or XXXX. XXXX and XXXX both showing XXXX lates XXXX, XXXX, XXXX this conflicts the paid in full account being reported XXXX. ". 
I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX filing a complaint against XXXX XXXX XXXX XXXX has stole my identity and has used it to open this account they can not provide any information when requested, my information was used with my knowledge and consent, I want transunion to delete and block this information off my credit report, or I will sue for damages and my lawyers fees, my information including accounts, social security number, drivers license, phone numbers, emails, were found on the dark web, either transunion can comply or this complaint can be and will be used in court or arbitration, delete and block this account immediately thank you. 

Also I will provide my drivers license that has my veterans status on it, I am a veteran of the XXXX XXXX, its been on my license for 15 years, no one has my license with my veteran status

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 2024-02-26 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:
After pulling a copy of credit report I've realized there are many inaccurate items onmy credit report. 

Per 15 U.S. Code 1681e ( b ) Accuracy of report - Compliance procedures Please conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 14 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please delete as Creditor and agency are in violation

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 2024-02-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law. 

They also have the same account listed twice.

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 2024-02-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law. 

They also have the same account listed twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please delete these information from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00}

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 2024-02-26 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: MI

Complaint narrative:
All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please delete these information from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}

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 2024-02-26 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In approximately 2010 I was denied to refinance my house on XXXX XXXX XXXX in XXXX XXXX, idaho XXXX. I was pregnant and going through a difficult time. My ex XXXX my daughter so I lost his income and tried to refinance my house and got zero response from Wells Fargo so I lost my house I lived in for 11 years!!!!

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 2024-02-26 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
On XX/XX/2024, I was scammed by a person with the name attached to the files I linked. I had placed my XXXX equipment on XXXX marketplace for {$600.00}. I was sent a message with an offer to buy for the listed price and told me to mark as sold. I agreed to the offer thinking the buyer was ready to buy. Zelle was used to complete payment, the buyer had asked for information to find zelle account. Then was told money was sent with a screen shot showing now knowing they most have edited a document or we page showing it sent. The buyer then told me I had to send them {$300.00} to upgrade account to a business since it was over a set price. In the files listed, I have conversation of the scam and how I was forced to send money. Will provide any more details of needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: CA

Complaint narrative:
15 USC 1681 ( 2 ) ( a ) ( i ) A charge off is considered ordinary income. Since ordinary, transactions or experience are not allowed to be on a consumer report. They have to be removed. Here are the accounts. XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX. Also not one of these accounts have sent a 1099-c forum for any of these accounts. Please remove immediately.

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