vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I saw a delinquency on my credit report. I went to XXXX credit bureaus that could not provide details. 
I found details through Experian. There is a delinquency from XXXX  for XXXX missed car loan payment through XXXX XXXX. I recalled speaking with the bank and explaining the reason was that I moved residences from XXXX XXXX XXXX because of employment. I didnt receive the bill and when I thought of it, I was XXXX passed. I spoke with the bank and made restitution as soon as I realized it. The loan was paid in full and account closed. 
The delinquency still appears on my credit report. 
I attempted to contact the bank prior to initiating the dispute but the number on the Experian website for XXXX XXXX  is out of service. I called a toll free number for XXXX but they could not help me without an account number of some sort. I no longer have the account number from XXXX. 
I initiated a dispute through Experian and also called them to explain the situation, and that the number they have for the bank is incorrect. 
They repeated call the bank.

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 2023-11-11 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX XXXX. I was surprised to see that the bank had refused my application because of an inaccurate Chex Systems report. I'dappreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. 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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Comidity Bank is storing my financial and banking information without my authorization and or approval. I asked that they remove my financial I formation and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
i recently checked my credit report and i see on XXXX XXXX that i have a new hard inquiry from Td Bank/Target that i do not recognize and it resulted with my credit score dropping XXXX point. i file an report with Identity Theft also. i will like this inquiry removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Background : My credit score is over 800 and my credit card applications are always approved. I also have a checking account, savings account, and credit card - all with Wells Fargo. 

On XX/XX/23, I applied for the Wells Fargo XXXX XXXX XXXX XXXX. Application Reference # XXXX On XX/XX/XXXX, Wells Fargo informed me that they needed me to fax them a copy of my ID and two proofs of address to them. The Wells Fargo phone representative confirmed that my other bank credit card statements were acceptable proof of address. On the same day, I sent Wells Fargo a copy of my driver 's license and credit card statements from two banks. 

On XX/XX/XXXX, Wells Fargo informed me that they actually needed non-credit card bank statements. Wells Fargo would not accept my credit card statements as proof of address, contrary to what was told to me on XX/XX/XXXX. 

On XX/XX/XXXX, I faxed Wells Fargo my driver 's license and two sets of my bank statements- one from XXXX  XXXX XXXX and one from XXXX XXXX. 

On XXXX, Wells Fargo informed me that they had accepted my ID and XXXX  XXXX XXXX statements. The Wells Fargo representative claimed that the XXXX XXXX statement was unreadable and requested another bank statement. 

On XXXX, I faxed Wells Fargo my bank statements from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo informed me that even though they had successfully reviewed my XXXX XXXX bank statement, they could not approve my application. The Wells Fargo representative suggested that I send over a utility bill. 

Wells Fargo requested two sets of my bank statements as proof of address in order to approve my credit card application. Wells Fargo successfully received and reviewed my bank statements. 

Since I met all of Wells Fargo 's requirements including my 800+ credit score, I believe Wells Fargo is discriminating against me by refusing to approve my credit card application.

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 2023-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
When I purchased the vehicle I was told and the paperwork I signed said the car was XXXX plus tax, I was going to be paying around XXXX in interest paying XXXX in total after interest and I was told also registration was taken care of I was supposed to get that in mail. I put XXXX down which should be paid to principal. Last time I talked to financing company they said loan was for XXXX together adter the XXXX down, which I would have never agreed to when buying if I was told that. So it's already XXXX my credit they can keep the car and my XXXX $ but this is very shady business practice at least I'm going to do is file a complaint against dealership and financing company. The financing company has been harassing my brother who has a new born baby in the house for weeks banging on his door, I don't even live in the same county as him but I was burglarized where I stay and needed some important mail to stay safe so I had it sent there my brother is XXXX and they still staking out his house like vulchars. Also if my loan was XXXX more after the XXXX down that puts it at a 50 % APR which is unrealistic and unheard of I would just simply not buy the car if these things were brought to my attention, the registration was never even paid either just a title transfer and I called in after a month ad mentioned my tags were bad and was told that they gave them to me which wasn't the case I now have tax Registration penalties I'm facing worth thousands

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 2023-11-11 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I had an old account with affirm that Ive not used in a very long time. Someone stole my identity, and purchased a personal loan under that account. My social security was under identity theft protection during that time due the the same reason, someone was trying to open accounts with several banks and other personal loan businesses. Despite, they ignored this, and rejected my investigation. Logically, no person would open a personal loan account for {$50.00} only. That is very ridiculous. And I filed a report with XXXX, and they are taking their side because affirm has my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I noticed a I did on my collections that was worth over {$7000.00} in I called and found out it was about a timeshare that I know nothing about I've never brought our own a timeshare never even attempted to I have no reason I don't know how or why they have my name and my social security number but I've never even attempted to buy a timeshare in my life I disputed it and you guys voted on their side when I don't understand how he have any proof are they have any proof when I never even attempted to ever buy a timeshare I've never even been to their resort motel or whatever it is I have no idea about a timeshare never have I have been a victim of identity theft I don't know if this has something to do with that but I've never bought a timeshare for sure

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: TX

Complaint narrative:
XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof XXXX XXXX consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you 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 2023-11-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

remove these accounts listed ; 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

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 2023-11-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

remove these accounts listed ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-11-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

remove these accounts listed ; 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

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 2023-11-11 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good afternoon, I hope you've enjoyed your XXXX XXXX XXXX weekend. Unfortunately between the time that I initially submitted my original complaint, more accounts have appeared on my transunion report that are a direct result of Identity Theft. The following accounts are being inaccurately reported to my credit report : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX As of XX/XX/2023, these accounts are being reported to my transunion account and they are a direct result of Identity Theft. I will attach all necessary documents to prove Identity Theft. 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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have written this letter to dispute transactions that are listed on my consumer report, which you WELLS FARGO disclosed to XXXX XXXX XXXX. The amount is wrongfully listed on my consumer report because i did not give my written express consent to have these transaction disclosed to any consumer reporting agency with respect to the FCRA and US CODE ( s ). INSTITUTION NAME : WELLS FARGO TRANSACTIONS LISTED : VARIOUS TRANSACTIONS I am disputing this unlawful use of my recent transactions via

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 2023-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been working to correct these errors for several years now and my papers are in storage as i am moving and as i tried to get an apartment is when my false credit scores has effected my life and liberty. the last date was XX/XX/2023 I have been and sent certified letters to Experian, XXXX, and XXXX XXXX and the day that XXXX XXXX received my request they literally retaliated and sanked my credit score another XXXX points in XXXX day although i had did no business or anything else that should have resulted in a move like that. I have been disputing and writing calling and doing everything in my power to correct these wrongs. The list is too long to put on paper but these companies has all of the documentation as i already had a free account with XXXX do to them breaching my data a couple years ago so all this information is in the files. I have a XXXX dollar debt from a credit card i disputed as well as XXXX energy and several other credit cards that someone that was living in our house must have also took advantage of myself and my wife purse was stolen and her license social security card and all her credit cards was stolen separate incidents. I The companies keep saying that the information has been verified and correct and i say no you are wrong.

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 2023-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I've a victim of identity theft and noticed fraudulent information on my credit report. I will like to this information to be blocked and remove immediately. I never gave you consent to report anything to me 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 2023-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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