vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: MI

Complaint narrative:
The following accounts do not belong to me. I've tried so many times to get these things removed from my credit report. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-16 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: Premier Auto Credit
State: CA

Complaint narrative:
On ( XX/XX/year> ), I sent a letter to ( PREMIER AUTO CREDIT ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( PREMIER AUTO CREDIT ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/year> ), along with an updated FTC identity theft report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NV

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit 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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not been giving me a correct information on XXXX XXXX On credit bureau. They re moved my present address that lived at for 4 years. I found out that my previous address is getting my copy of credit report. Post lady told me with previous address.. And I report it to all credit bureau XXXX This has been going on for years. I can't even get a copy of my annual credit. I Asked them to remove my data 7 years older. There's no activity on them XXXX XXXX  denied me for increase said I had to much credit. I don't I only have XXXX limit. 
They can remove old data. I pay my bills on time and late. Someone is applying for credit in XXXX XXXX. That I don't have. At least Experian stop it. Because I had fraud alert. Because XXXX XXXX said I had to much credit. They getting my credit with someone else.The credit bureau is reporting my address with out the apartment number. Even the old address. I bought a membership with Experian XX/XX/2023. It's been a horrible. Called customer service. They couldn't find my account. They said my account was cancelled. Never cancelled it. So I am paying XXXX a month. Not getting my alerts when someone is using my credit. I was told by Experian that they received my dl was on dark web. That a service they have. XXXX has service that XXXX had my SS.information. breached. I don't have cell phone from XXXX XXXX I only have one phone. 
Experian said that I email them a copy of my dl.ss. I told them I never did that. Or 2 other credit bureau. Never send my information over the phone. Experian was careless. Did not call me. 
Experian. Is mixed my information with someone else they trying to cover up there mistakes. They put threw alot of pain. I go by maiden name. Experian has my credit mixed up with family. Some similar to my name or social security. I will never know because I am not getting an annually credit. I don't have alot credit. Investigate this please. 
XXXX cell number. 
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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
FORD MOTOR COMPANY - FORD TEMPO XXXX XXXX XXXX XXXX WAS IN EXCELLENT CONDITION IN XXXX XXXX XXXX YEAR\. MINOR PROBLEM WITH CHIPPING OF XXXX XXXX  NEAR REAR DOOXXXX XXXX XXXX XXXX. I RECEIVED A PERSONAL LETTER FROM THE XXXX XXXX XXXX OUR DWELLING STATING THE VEHICLE WAS UNSIGHTLY. I REFUSED TO DISCUSS THIS, IT WAS A SLANDER AND A PERSONAL ISSUE ONLY. THE XXXX  WE LIVED IN UNDER A LEASE WAS SOLD WITHOUT NOTICE SHORTLY AFTER AND NO MONEY WAS RECOVERED ALTHOUGH THE LEASE WAS BROKEN BY THE XXXX XXXX XXXX XXXX, THE APARTMENT WAS SOLD WITHOUT NOTICE.. LANDLORD ON RECORD AT XXXX XXXX & XXXX XXXX XXXX XXXX WAS A XXXX XXXX XXXX XXXX XXXX RENT MONEY WAS PAID TO XXXX IN FULL. FORD MOTOR REQUESTED MY SOCIAL SECURITY NUMBER FOR VERIFICATION, VIN IS N/A. VEHICLE WAS STOLEN. SOCIAL SECURITY NUMBER IS XXXX. # XXXX. CAR WAS PAID FOR IN FULL. THANK YOU. COMPLAINT IS NO INSURANCE FROM AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND RECOVERY PAYMENTS, REPLACEMENT OR SERVICE, OR ATTENTION TO THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
multiple incorrect information on my reportXXXX XXXX has no replied or complied. 
evidence is submitted below

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 2024-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company 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 an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CFM Group LLC
State: KY

Complaint narrative:
XXXX We are getting excessive calls, threats and harassment from a collections agency out of XXXX XXXX Georgia XXXX They are representing XXXX, a uniform company that claims that we owe them over {$11000.00} for UNIFORMS! They have called us several times. They told us they would have us put in jail, take everything we own and make sure that we live in a cardboard box. This is harassment. I told them when they previously called that I would try my best to be able to make payments but I do NOT have {$11000.00} just laying around to pay for uniforms when I have other bills to pay and kids to feed and house. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX Their office number is ( XXXX ) XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
In reference to complaint XXXX Truist bank opened my account and closed it then sent me a letter saying I will receive funds in 30 days that was XX/XX/2023 I did not receive any checks from the bank I called was told check was sent on XXXX and no one was home. 
I asked for it to be sent again. 
I called on XX/XX/XXXX I called on XXXX I called on XX/XX/XXXX I called XX/XX/XXXX I called XX/XX/XXXX Same response we will tell fraud dep to resend the check. 
I dont understand is it Truist habit to keep other peoples money? 
If the letter is returned isnt the bank supposed to send it again?

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit 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 explanation
Consumer complaint received 2024-02-16 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have credit inquiries from one main that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CL Holdings LLC
State: CA

Complaint narrative:
On ( XX/XX/2024 ), I sent a letter to ( JEFFERSON CAPITAL SYST ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( JEFFERSON CAPITAL SYST ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
1 ) Achieve personal loans Acct # XXXX : XXXX disputing and an billing error. This account is not reporting uniform with the other bureaus and there is a billing error based on 15 US 1666B. MUST BE REMOVED 2 ) XXXX XXXX XXXX Account # XXXX XXXX disputing and billing error. 15 US 1666N. MUST BE REMOVED 3 ) XXXX- Account # XXXX Factual disputing and billing error. 15 US account must be removed. 
4 ) XXXX XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX factual disputing and billing error. 15 US 1666B ACCOUNT MUST BE REMOVED. 

I have submitted requests multiple times to XXXX to update my file to be accurate and complete and they continue to ignore my requests and refuse to abide by the law. They claim it is not me requesting my file to be updated. I have sent them proof of my identity but they still have inaccurate information on my file like the accounts above. 


I have attached reports from XXXX, EQUIFAX and XXXX. XXXX has different information. Their report is not accurate, complete or uniform. This is against the law. 

EQUIFAX STILL HAS XXXX XXXXL ON THE CREDIT FILE. THIS ACCOUNT IS NOT ON XXXX OR XXXX AND MUST BE DELETED. I continue to request them to update the file based on factual report and billing errors. They refuse. I need your help holding them accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/24 a letter was sent to Transunion discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My Ulta Credit card statement showed {$100.00} due by XXXX XXXX. I paid the entire balance on XX/XX/year>, and I have not made any additional purchases. 

I am currently at my home in XXXX and didnt want to worry about making payments while I was out of the country. Suddenly, I got an alert this account was paid 30 days late. There should not have been any payments due since I paid the account balance in full prior to the due date. This is nonsense and caused my credit score to drop XXXX points!! 

While I don't think there should have been any payment due, I just paid the {$30.00} that Ulta indicated was past due so it would be updated to current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/year> I opened a checking account with Wells Fargo. I signed up with a {$320.00} promotion that required me to receive to my account {$1000.00} via payroll direct deposit within 90 days. On XX/XX/year> I had received a total of XXXX via direct deposit. I waited the 90 day and a 30 day post period and still have not received my {$320.00} account bonus. 

Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying electronic deposits to your new checking account. 
A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is ( 1 ) a direct deposit made through the Automated Clearing House ( ACH ) network, ( 2 ) an instant payment processed through the RTP network ( real-time payment system ) or FedNowSM Service , or ( 3 ) an electronic credit from a third party service that facilitates payments to your debit card using the Visa or Mastercard network ( e.g. an Original Credit Transaction ). Transfers from one account to another, mobile deposits, XXXX, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. 
An ACH direct deposit made available early with XXXX XXXX XXXX does not count toward the bonus requirements until it posts to your account and is no longer pending ( e.g. the pay date scheduled by your payor ). 

Bonus Payment : Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days.

The new checking account must remain open throughout the 90-day qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.

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 2024-02-16 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
On XX/XX/2023 and XXXX XXXX I wrote letters to the bureaus requesting to update my accounts with late payments to be updated as PAID NEVER LATE. According to FRCA law 15 USC 1681 Sec 604a Sec 2 a consumer reporting agency can not furnish an account without my written instructions. I believe other FRCA laws were broken such as 15 USC 1681 Sec 602 which states I have the right to privacy and 15 USC 1666B that states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 and XXXX XXXX I wrote letters to the bureaus requesting to update my accounts with late payments to be updated as PAID NEVER LATE. According to FRCA law 15 USC 1681 Sec 604a Sec 2 a consumer reporting agency can not furnish an account without my written instructions. I believe other FRCA laws were broken such as 15 USC 1681 Sec 602 which states I have the right to privacy and 15 USC 1666B that states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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