vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On ( XX/XX/XXXX, XXXX and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer. In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My insurance carrier ( XXXX  ) sent a check for over {$50000.00} US to cover the cost of the vehicle loan, over 60 days ago, ( XXXX XXXX ) yet its still showing on my credit. Hindering me from obtaining another loan. This is unacceptable and needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
My problem is with XXXX XXXXXXXX. I do not owe them any money. But after I closed my account, they " claimed '' I still had some of their cable boxes. During the pandemic, they closed all of their offices so you can't deal with anyone in person. You have to return everything in a drop box or mail it to them. After I returned everything, I starting getting these bills saying I owed them for their returned equipment. I call numerous time and told them I had nothing that belong to them. This went back and forth for a couple of months and I assumed everything had been worked out. Then one day out of the blue I was notified by credit monitoring service that I had an account that was now in collection. I checked my credit report and discovered that some company called Eastern Account System had placed this collection on my report. I had NEVER spoken to anyone at this company. My excellent credit score dropped by XXXX points. After disputing the charge, one of the three credit bureaus ( XXXX ) removed it. The other two did not. 

Then I discovered something else last week. I discovered that one of the local Homeowner Associations has now issued a warning to its members. Everyone in theier association that had dropped XXXX was being hit with this same bogus claim of not turning in their cable boxes and being threatened with collection. This is quite an extortion scheme this company has going. Either pay up or we will turn you over to collections. I did some checking with others and discovered the same thing. This needs to stop and I want my excellent credit restored. This company should also be hit with a class action lawsuit for their business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Collection Account : XXXX XXXX XXXX XXXX Account # XXXX, Collection Account : XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer. In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Lane Bryant Commenity Bank. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My insurance carrier ( XXXX ) sent a check for over {$50000.00} US to cover the cost of the vehicle loan, over 60 days ago, ( XXXX XXXX ) yet its still showing on my credit. Hindering me from obtaining another loan. This is unacceptable and needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 

XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well.

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

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Credit cards has not been updated and inquiries are past the 7 year mark. They have been update with every other bureau.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act, XXXXXXXX Account  # XXXX, XXXX-XXXX account # XXXX, and XXXX account XXXX 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 : Also states that a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To Whom This May Concern, according to Bank of america, XXXX has denied my forgiveness based on BOA XXXX provided however i am unable to speak with the XXXX myself. This is going to be an ongoing fight until full resolution, what they are doing and did is Criminal, and there is a class action law suit against the bank about my very complaint XXXX LOAN # XXXX please see attached docs, previously provided to BOA upon application, Please let the XXXX KNOW THIS!!!!! According to BOA I'm being denied as I imputed XXXX XXXX payments into my totals, which I did as that's what it asked for in the BOA APPLICATION!! Regardless, I disbursed the XXXX XXXX XXXX  funds per XXXX Guidelines, only paying XXXX employees, hiring new employees and paying from a separate account, all rules from XXXX which we followed 100 %. Please note that the attached documents are all I have regarding XXXX for 2019, I was on payroll the last week of 2019. That's why when I applied as a new business, I did XXXX XXXX payments as detailed in the application, BUT did not pay out XXXX payments with the XXXX Funds!!! I see that BOA is having this exact issue with many clients who are trying to abide by the XXXX rules, i was advised by a BOA rep that I'm not alone. This is poor service form BOA, i am researching and finding lawsuits with the bank over this and fully intend to pursue as well if this isn't 100 % forgiven based on XXXX  payout rules, i did everything i was asked for, and complied 100 %, everything that Bank Of America asked for prior to them approving my loan, i provided and what i didnt provide, i submitted a full Explanation. Bank of america fraudulently approved loans at a rapid rate, received payment for their loan approvals and didn't care the destruction it implied to small business, i can not sustain a {$2400.00} payment that i shouldn't be paying back, that was the purpose of this loan, to help small business in need, not cripple them i appreciate this entire message making it to the XXXX and Prefer Communication with The XXXX, i would like to hear and reply to the XXXX, not through the BOA hands thank you, Angered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remodelers

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was disputing inaccurate information on my credit report regarding XXXX XXXX XXXX XXXX Account number XXXX Equifax changed the status of the account from " SETTLEMENT ACCEPTED ON THIS ACCOUNT PAID CHARGE OFF '' to a COLLECTION account. 

Causing me to drop over 30  points on my credit score. This account has never gone to collections and has always been with the original creditor. 

So I paid money to check my credit report and they are claiming I have a late or missed payment on this closed account that has a {$0.00} balance. 

It's not possible for a {$0.00} balance account that's closed to have a late payment when this has been paid and closed since 2022. 

I tried to get them to fix the mistake but I spoke with a XXXX who refused to escalate the call to a senior or a manager. She began arguing with me that Equifax doesn't use fico scores and the the reason my score dropped was because of no real estate accounts. I told her I never had real estate accounts and it doesn't make sense that my score would drop out of nowhere. 

The drop happened the same day I disputed the account and the status changed to collection with a missed payment. 

According to FCRA laws I'm supposed to have accurate information on my report, not false claims of late payments that harm my profile. The other two bureaus have removed this account from my report but Equifax is adamant about keeping it up with inaccurate information. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have a piece of information passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA 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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My mom received a text on XX/XX/XXXX asking if she made an authorize purchase from XXXX for {$1000.00} from XXXX XXXX XXXX from Chase. She responded no. The scammers sent myself, my brother, and my sister multiple transactions from my mom 's account. They called my mom and told her they were from XXXX and she needed to contact us immediately and send the money back. I returned a payment to my mom of {$2000.00}. They rerouted my mom 's XXXX 's account to theirs. I contacted Chase because they immediately suspended our accounts for 10 days. We then had to file a fraud claim charge on XX/XX/XXXX. They investigated and closed the claim and told us we needed to contact XXXX. I have yet to receive my {$2000.00} back XX/XX/2023 XXXX Payment from XXXX XXXX {$1.00} {$190.00} XXXX XX/XX/2023 XXXX Payment to XXXX XXXX {$200.00} XX/XX/2023 Reversing credit due to Dispute {$1.00} {$190.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I purchased a vehicle from XXXX XXXX in XXXX, Tennessee on XXXX XXXX. My first payment was to be due on XX/XX/2022. 

I submitted my first payment XX/XX/XXXX, a week early as I have been trying to improve my credit score. I received a notification saying the transaction was successful on the same day. I then get a message on XX/XX/XXXX, 2 days after the due date, that my payment did not go through and that my {$690.00} was returned to my account. I make another payment on XX/XX/XXXX, for the payment that was due on XXXX, and get another email that says my payment was successful. I get another message on XXXX, saying that my payment of {$690.00} was again returned to my account. 

I call XXXX personally and tell them about the issue and they direct me to my bank saying it is on their side. My bank, XXXX, said that is false and if it was on my them, then ALL transactions would not be going through. This was an error on XXXX I choose to pay my note again as I am worried this may affect my credit score, I make another payment on XXXX and get the same message of my payment being returned on XXXX. My XXXX XXXX then drops XXXX points as I technically was late on my first payment by 30 days, which is not the case. Eventually, this stops happening and I never understood why it was happening in the first place, all I got from XXXX was that, " This should be good now. '' Please see attachments, I should not lose XXXX points for XXXX 's negligence.

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