vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone got a hold of my Victoria Secret Credit card credentials around XX/XX/XXXX. I have not used this credit card in a very long time. They maxed it out at {$1700.00}, opened a po box under my name and sent all the purchases and statements there. I didn't find out under the account was overdue and sold off to collections in XX/XX/XXXX. I've tried to dispute the amount with the collection agency but no luck.

Company response to consumer: Closed with 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: Nelnet, Inc.
State: NC

Complaint narrative:
DEPT OF ED / NELNET Company is unresponsive. This isn't my debt as I have never taken out a student loan. This seems to be an error or fraud. I have made several attempts to contact the credit bureau but they all insist I file a complaint directly with the company. This is inaccurate information and needs to be resolved immediately as It is affecting my credibility

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 — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Account ending in : XXXX I contacted Regions Bank on multiple occasions during the stent of my loan I was XXXX XXXX XXXX XXXX. I asked information on how to submit Supporting documentation for any applicable XXXX benefits. I was never provided an accurate number and never received confirmation my documentation was received. My APR % 6.75 was not lowered during anpplicable periods. 

I believe that late payments were reported in error on my credit report this action was not corrected nor was I provided documentation.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
It says I was late or but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

un-authorized inquiries 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 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 Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX  XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : **** XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account : XXXX THESE ACCOUNTS ARE INACCURATE AND NEEDS TO BE UPDATED/REMOVED IMMEDIATELY

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged 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 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: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Account # XXXX Southwest Credit System Amount : {$500.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. This inaccurate information reporting to my credit report is a direct violation of my consumer rights. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries are not mine, and I have no association with the listed creditors.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts 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 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention an issue with my mortgagee that has resulted in an incorrect mark on my credit report. Recently, I noticed a discrepancy in my credit report indicating a late payment on my mortgage account. 

Upon further investigation, I discovered that the late fee was associated with an escrow shortage that occurred after I paid my mortgage. Unfortunately, when I called customer service they could not explain what the charge was and said that my account was current. When the subsequent late charges and the increase in {$75.00} appeared in XX/XX/XXXX I believed it was the same error ; as there was no confirmation on my statement that my mortgage payment had increased due to an adjustment in escrow and I did not receive a notice about the escrow shortage. To my dismay a similar increase occurred in XX/XX/XXXX. However, this time I received a written notice well before the XXXX payment increase was billed. 

Had I been made aware that my XXXX mortgage payment increased before the XXXX charges, I would have promptly paid the correct amount. I understand the importance of timely a nd accurate payments, and I want to ensure that my credit report reflects my commitment to meeting all financial obligations. 

After reaching out to ServiceMac , LLC unsuccessfully, I kindly request your assistance in rectifying this matter and help advocating for the removal of the late payment mark from my credit report since they held my payment in suspense and I was not notified before the charges that there was an escrow shortage. I immediately settled {$75.00} when I discovered the issue, and I want to maintain the positive credit standing I have worked hard to achieve. 

I appreciate any assistance you can provide and your understanding of the confusion that occurred during the transfer of my mortgage to XXXX and subsequent charges that werent explained to me. 

Thank you for your time. I look forward to a prompt resolution to ensure the accuracy of 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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, XXXX XXXX XXXX Definitions : Rules of Construction ( XXXX ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. utilization is an experience created by credit usage. XXXX Equifax and XXXX is reporting Utilization which is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax XXXX and XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to XXXX XXXX XXXX XXXX Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, Privacy Act of 1974. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of utilization are accurate and my privacy has been violated due to Equifax XXXX and XXXX violated my consumer rights by allowing utilization to report to my consumer report! See attachments below!!

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: TN

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I had my state tax refund deposited into Credit Karma Soend account attached to a debit card. I noticed that the phone number on my account was not mine. I called them about it and the froze my account XXXX weeks ago and it has {$830.00} in it. I found out the next day that it was my son 's phone number and I let them know. My account was not compromised or being hacked. They asked me for information a couple of times and I give them what they asked for. I can't talk to anyone handling my case because they only respond via email! They are not answering my emails now and I can not get any answers!

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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to report a serious incident of unauthorized withdrawal and fraudulent activity that occurred on my Wells Fargo checking account ending in XXXX. On XX/XX/XXXX of this year, an unauthorized withdrawal of {$940.00} was made from my account without my consent or knowledge. 

Upon discovering this fraudulent transaction, I immediately contacted Wells Fargo to report the incident and filed a claim asserting that I did not authorize nor execute this withdrawal. I provided all necessary details regarding the unauthorized transaction, including the date, amount, and specific account information. 

Despite my prompt action and thorough explanation of the situation, the response from Wells Fargo was deeply unsatisfactory. After weeks of investigation, they informed me that my case was closed, asserting that there were no signs of fraud and refusing to return my stolen funds. This decision was made despite clear evidence to the contrary. 

Furthermore, during my own investigation into the matter, I uncovered additional instances of fraudulent activity on my account. The perpetrators also initiated phone transfers from my savings to my checking account, transactions which I did not authorize or execute. Additionally, they used a new debit card that I was expecting to receive in the mail but never did. These actions further confirm the malicious intent behind the unauthorized access to my accounts. 

I am particularly distressed by the fact that Wells Fargo allowed these transactions to occur without alerting me. Normally, when I withdraw over {$500.00}, I receive an alert before being able to make the payments. The absence of such alerts in this case suggests a failure on Wells Fargo 's part to uphold their standard security measures and protect their customers ' accounts from fraudulent activity. 

In light of Wells Fargo 's wrongful closure of my case and refusal to address the fraudulent activity on my account, I am seeking assistance from the Consumer Financial Protection Bureau to rectify this situation. I urge you to investigate this matter thoroughly and take appropriate action to ensure that Wells Fargo fulfills its obligation to protect its customers from fraudulent activities and reimburses me for the unauthorized withdrawal from my account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to resolve this issue and hold Wells Fargo accountable for their failure to safeguard my financial assets.

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: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Account # XXXXXXXX XXXX XXXX Amount : {$520.00} Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX b XXXX. They also have no permission to REPORT anything using my info pursuant to XXXX XXXX XXXX XXXX. 

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have contacted Equifax multiple times, they have not helped resolve my issue. I have multiple Hard Inquiries on my report I do not recognize and that I did not authorize I don't even know the companies associated with them. My information was also sold and bought illegally because I was a victim of the Equifax data breach. I want all these items Deleted from my credit report effective immediately. I am attaching the proof that Equifax has admitted that they did use my information in this data breach, and Equifax has done nothing to help and caused me a lot of distress and in convenience. Please help me delete these fraudulent items from my report.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. I have a XXXX  XXXX account that was settled and paid in total amount of {$350.00} on XX/XX/year> and was told by XXXX it will stay on my account for XXXX years. I tried to dispute with all 3 credit agencies with no luck. I have XXXX accounts with XXXXXXXX XXXX XXXX that started reporting in May of 2023. The amounts for the XXXX accounts are {$410.00} and {$3100.00}. I called XXXXXXXX XXXX where they told me there was no account on file attached to my name. When I disputed the accounts were not removed. According to the XXXX XXXX XXXX law, there should not be any damages on my report. This is a defamation to my character.

Company response to consumer: Closed with non-monetary relief