vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reportino doency 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 hem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the hard inquiry below please. 
Thanks. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX do not provide an account number. XXXX reports an account number that is partially masked as " XXXX. '' Account Type : All three bureaus report an " Open Account '' as the account type. Account Type - Detail : All three bureaus report " Open Account '' as the account type detail. Bureau Code : All three bureaus report " Individual Account '' as the bureau code. Account Status : XXXX reports " XXXX XXXXXXXX '' as the account status, which is not reported by the other bureaus. Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while TransUnion and XXXX do not provide this information. Date Opened : XXXX reports a date opened of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. Balance : XXXX reports a balance of " {$2000.00}, '' while TransUnion and XXXX do not provide this information. High Credit : XXXX reports a high credit of " {$2600.00}, '' while TransUnion and XXXX do not provide this information. Credit Limit : XXXX does not report a credit limit, while TransUnion and XXXX do not provide this information. Past Due : None of the bureaus report past due information. Payment Status : XXXX reports " At least 120 days or more than XXXX payments past due '' as the payment status, which is not reported by the other bureaus. Last Reported : XXXX reports a " Last Reported '' date of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. Date Last Active : XXXX reports a " Date Last Active '' of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. Date of Last Payment : None of the bureaus report a date of the last payment. Two-Year Payment History : XXXX reports XXXX OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). TransUnion and XXXX do not provide this 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 2024-03-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-11 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Date of inquiry XX/XX/year> Unauthorized Credit inquiry and violation of permissible purpose According to my records, a credit inquiry was made by Consumer portfolio services ( CPS ) on XX/XX/year>, without my consent or any permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). Please send my written consent to authorize my Report, and if can not provide please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: MI

Complaint narrative:
Corelogic continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX XXXX XXXX MI XXXX there should be no other names on my report. Corelogic is causing me harm by reporting this incorrect 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 explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
ALL THIS INFORMATION IS IN XXXX FILE POSTED BELOW! 

XX/XX/XXXX MADE A PAYMENT OF {$500.00} PAYMENT IS MISSING FROM ACCOUNT XX/XX/XXXX MADE A PAYMENT OF {$600.00} XXXX PARTIAL PAYMENT ( {$300.00} ) XX/XX/XXXX REFUND POSTED FOR {$300.00} ONLY {$230.00} WAS REFUNDED TO ME XX/XX/XXXX MADE A PAYMENT OF {$250.00} MISSING PAYMENT OF {$250.00} XX/XX/XXXX MADE A PAYMENT OF {$95.00} MISSING PAYMENT OF {$95.00} XX/XX/XXXX MADE A PAYMENT {$200.00} MISSING PAYMENT OF {$200.00} XX/XX/XXXX MADE A PAYMENT OF {$290.00} MISSING PAYMENT OF {$290.00} XX/XX/XXXX MADE A PAYMENT OF {$200.00} MISSING PAYMENT OF {$200.00} TOTAL MISSING : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NY

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. I have no record of initiating or authorizing this inquiry. I have carefully reviewed my financial records and can confirm that I did not engage in any financial transactions with the creditors that would have warranted such an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, an unauthorized wire transfer {$32000.00} appeared on my saving account. I noticed XXXX around on XXXX and immediately went to local Chase branch to report this. 
On XX/XX/year>, I reported to local police in XXXX, IL with police report attached. 
According to police report, this unauthorized wire transfer was initiated in person in a branch in XXXX IL. 
According to Chase employee, someone with my fake ID went to one of Chase branch and initiated this wire transfer. 
I called Chase on XX/XX/year>. The claim department said they are still investigating the case and can not provide any timeline of when I can get results or my money back. It has been more than 35 days since Chase received my notice. However, Chase neither completes the investigation nor credits my account so far. This is a clear violation of CFR Part 1005 ( Regulation E ) 1005.11 Procedures for resolving errors ( c ) Time limits and extent of investigation Official interpretation of 11 ( c ) Time Limits and Extent of Investigation ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.

( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Castle Rock Mortgage, LLC
State: TN

Complaint narrative:
I was working with Castle Rock Mortgage company to buy a home we built. We were pre approved with them in XX/XX/XXXX of XXXX. I paid for an appraisal on the house on XX/XX/XXXX. Was told that the appraiser was paid. I ended up having to switch to XXXX XXXX instead. I am trying to close on our house and am having to pay this appraiser again because castle rock has not paid him in over 3 months. I was told that a check was sent in the mail on XXXX XX/XX/XXXX however, when I reached out I was told they would leave a message with XXXX XXXX she handles the checks sent to the appraisers. I contacted her last week and sent an email still have received no information. XXXX XXXX has also been contacting her and they have not been answering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I can not transfer money out of my Wells Fargo Checking account. 

When submitting a transfer ( to any bank, all accounts are my own personal account ), it states the following error. 

" Please Confirm Your Identity Close We are unable to complete your request at this time. 

If your contact information is incorrect or not listed, use one of the following options to update your information and receive further assistance : Visit a Wells Fargo ATM Update your information at any Wells Fargo ATM. 

Find an ATM near you. 

Contact Wells Fargo Customer Service Call XXXX. If you are calling from outside the United States, please use one of our toll-free international access codes. 
Have your account information handy when you call. 
If you're a guest user, please ask your administrator to contact us. '' I called the number on XX/XX/XXXX, the CSR advised that I can go to a Wells Fargo ATM to solve this, which I could not because the closest is XXXX miles, or I can change my phone number on my Wells Fargo account from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to a regular mobile number. I updated my number from a XXXX to a regular mobile, and the CSR said they put in a request and try again in XXXX hours. 

XX/XX/XXXX I still could not make a transfer and called back. The next CSR said that the last customer representative never put in a request, they have now initiated a request to update my contact info and try again in XXXX hours. 

XX/XX/XXXX I still could not make a transfer, once again talked to a CSR who said because I still had my old XXXX present on the account as an alternate line, that was causing the issue. I updated so my old number was taken off the account. CSR stated to wait 2 days ( again ) and try again. 

XX/XX/XXXX still could not transfer, spoke to a supervisor who said she would file a complaint and I should hear back in XXXX hours as to why this is happening. 

XX/XX/XXXX still can not transfer, called back mad and spoke to supervisor again who stated that no one had even been assigned to my case filed on XX/XX/XXXX, and the only thing she can do is note my account. I still can not initiate a transfer from Wells Fargo to any of my other banks added to the account. 

As of writing this XX/XX/XXXX I have called 5 times about the same issue of not being able to initiate a push out of my account. I have incurred late fees from other accounts because my money is being held in limbo in this account. Wells Fargo unable to give answers about what's going on.

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 2024-03-11 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: PA

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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reportino doency 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 hem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the hard inquiry below please.

Thanks. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/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 2024-03-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-11 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: EQUIFAX, INC.
State: NE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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