vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
These inquiries were not initiated by me and are highly suspicious. I implore you to conduct a detailed investigation and remove them immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I confirm that the presence of inaccurately documented late payment remarks on my accounts violates the regulations outlined in 15 USC 1666.

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 2024-03-26 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: NJ

Complaint narrative:
I did not consent to these inquiries and firmly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly delete them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MOHELA
State: WA

Complaint narrative:
The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I was served with a summons by a process server for an amount owed to XXXX XXXX. After researching the debt was charged off and a 1099 assigned. The 1099 assigned to me is considered a certificate of indebitness and considered income. Any liability for any debt owed I will deal with the company I went into contract with. I have never contracted with Midland credit, I have never signed any documents or conducted any business with Midland credit nor have I ever been contacted by Midland credit regarding this supposed debt to them. Any derogatory information from Midland credit should be removed from my credit report immediately per 15 USC 1692 ( a ) ( d ) for violation of my consumer rights and abusive debt collection tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account # XXXX Resurgent  : XXXX I am writing to dispute certain inaccurate information in my credit file. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, removing this erroneous information from my credit report. 

Upon reviewing my credit report, I have identified a negative account entry that I do not recognize. I am concerned about the accuracy of these entries, as they do not accurately reflect my credit history. I received a reply from XXXX of Resurgent again, which provided conflicting information and violated my rights by again reporting inaccuracies to CRAs. It did not address my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
These inquiries are unrelated to me, and I did not provide authorization for them. I request their immediate removal from my credit 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 2024-03-26 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two missed payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been delinquent on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Please investigate the information and provide verifiable proof with records showing that my payments were late on. I demand that you remove this information from my credit report if it can not be verified without violating the following consumer rights : 15 U.S.Code 1666b, 15 U.S.Code 1681 section ( a ) & ( b ) - Permissible purposes of consumer reports, and 16 CFR Part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have an account with XXXX. Several of my credit cards were fraudulently used to book various hotels in XXXX. As I became aware of these charges and actions, I immediately contact XXXX customer service and the hotel itself. I recorded the conversation as evidence. I further disputed the charges with my bank, Bank of America, who resolved the issue in favor of XXXX. At this point, I am so distraught and in awe because the organizations that were supposed to protect me and confabulating against me and embezzling my hard earned money. Not just my hard earned money but my mothers monies because her card was also charged. By the way, she is a senior citizen. I hope you can help me with this matter. Im supplying the transcript of the call for you to review and take into consideration. This is amoral and someone needs to do something to protect citizens from these people inflicting pain. The federal government has a responsibility and oversight over banking institutions who are abusing their power and creating exploitation mechanisms to get rich. Bank of America has a history of usurping the poor and not protecting the interests of those who they have as customers. I will definitely consider where I deposit my money in the future.

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 monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.

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 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This is a continued complaint. You closed my last one and it didnt tell me anything I didnt know. Im asking what was forged? If it was a fake check why on earth would it take 3 months to figure out that the check was not real. It can not be the signature because that is XXXX signature and 2 Capital One employees told me that there was no question that that was here Signature. They compared it with her signature on file and said it was hers. Even tried to get my case overturned. And my dispute with XXXX has been settled on XX/XX/2024. So now I really feel attacked and treated unfairly when I am a victim in all this. I was scammed by XXXX who scammed the bank. And they fell for her scamming. I dont understand why Im being treated so poorly. The police are helping me and are going to make sure she is charged for this. Because they went through all my evidence and they see I was a victim of a crime. And their confused why Capital One is treating me so poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, but also damaging my financial well-being. 



The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : Wells Fargo XXXX XXXX 3 accounts ( see document attached ) In light of reviewing my report, there is reason to believe that I have been subjected to discriminatory practices, hopefully you are aware Equal Credit Opportunity Act ( ECOA ), Title 15 of the United States Code ( USC ) Sections 1691 et seq., and regulations such as Regulation B ( 12 CFR 1002 ). Which Wells Fargo continues to create fraudulent deals with the public. If it was not for that, I am not sure why else it would be on my credit.

This account is listed as a sold off account on my credit report but I have never received a 1099C for this sold off debt. I also never agreed in any sale. Can you also provide me with a 1099C to accurately reflect this for tax purposes and please update my credit report accordingly or delete immediately? Please update who you sold it to with the same record. 



I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy of my credit information. I appreciate your prompt attention to this matter, as this effects my income, homeownership, and to obtain employment. Please consider expediting this process for me. 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 2024-03-26 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: GA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-03-26 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: WA

Complaint narrative:
The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by Transunion, XXXX and 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 2024-03-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, XXXX and Experian.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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