vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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: AZ

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/XXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: OR

Complaint narrative:
My credit was affectionate without my knowledge which made a negative impact on my credit score and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
The company, net credit by XXXX XXXX, charges interests and fees that make it very difficult to pay off/pay up the loan. I have paid well over {$1000.00} and still owe well over the line of credit amount. 
To date I have paid back {$1100.00} to the XXXX credit limit. I still owe over {$1800.00}. 

I attempted to contact the company to request any hardship assistance to which they responded they do not offer payment reductions or interest reductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/XXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a XXXXXXXX XXXX XXXX. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to XXXX : there is only history for 3 months in XXXX ; XXXX  60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to TRANSUNION : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
Transunion shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. Transunion shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my Transunion File.

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 2023-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a XXXXXXXX XXXX XXXX. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to EQUIFAX : there is only history for 3 months in XXXX ; XXXX  60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in Equifax. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my Equifax File. 

As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
XXXX shows the date the account will fall off is XXXX of XXXX, but Equifax shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a XXXXXXXX XXXX XXXX. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to XXXX : there is only history for 3 months in XXXX ; XXXX  60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to EXPERIAN : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. Experian shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my Experian File. 

As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
XXXX shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my 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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
In XX/XX/, my husband and I opened a checking account with Wells Fargo and still maintain it. As with most banks, we were given the choice to opt in or out of overdraft protection. We opted out of overdraft completely. However, on all of our statements, overdraft was clearly allowed and we were responsible for the fees accrued. I have recently learned this was an issue for a significant number of customers. Since there is an advisory against including personal information, I will not send statements, but I will gladly share them privately.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They closed my account on XXXX XXXX and I find out on XX/XX/XXXX and no one tell me that they closed my account and I cant access money and card and my ssi and paycheck Im stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 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 Thank 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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CT

Complaint narrative:
I received the wrong item from the seller and told the seller I would return it, but first they need to send the correct item along with a return label paid by the seller, and I never heard back from them

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 2023-12-02 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:
PLEASE DELETE ALL UNAUTHORIZED INQUIRES FROM MY CREDIT REPORT!!!!!!!!!! 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 2023-12-02 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: FL

Complaint narrative:
PLEASE DELETE ALL UNAUTHORIZED INQUIRES FROM MY CREDIT REPORT!!!!!!!!!! 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