vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-31 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: NC

Complaint narrative:
XXXX bank removed a late payment off of my account but the credit bureaus wont remove it

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 2024-08-31 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:
XXXX XXXX BANK SS XXXX XXXX : : XXXX Date of FRAUD : XX/XX/year> {$10000.00} I have disputed this account for XXXX years and EXPERIAN has not and will not remove this account, even with all my documentation verifying that I am an victim of identity theft, I have enclosed, FTC IDENTITY THEFT REPORT & POLICE REPORT. I am filing this complaint in hopes of the removal and blocking from my credit file. 

I demand a copy of information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account. I also demand the categories of identifying information that the unauthorized person used to complete the application or to open the account. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice XXXX XXXX XXXX XXXX, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection

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 2024-08-31 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: FL

Complaint narrative:
Address are not mine : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX CT XXXX XXXX FL PHONE NUMBERS AREN'T MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEVERAL EMPLOYERS AREN'T AFFILIATED With ME AS WELL IT STATES I HAVE BEEN IN YOUR FILES SINCE XXXX THATS EXACTLY WHERE THE IDENTITY THEFT STARTED *XXXX XXXX XXXX XXXX ( I have had a car insurance company for a long time never had to look for another/this is not my inquiry XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND THE LIST GOES ON

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC and XXXX XXXX sit on payments to generate late fees. 

I pay bills usually the day after I receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-31 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: GA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-31 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: PA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Description of the Issue : I am filing a complaint regarding fraudulent transactions that occurred on my business XXXX XXXX ( XXXX ) card. An employee of my business, XXXX XXXX, committed theft by using the company XXXX card for unauthorized transactions. 

Total Amount Stolen : {$36000.00} Description of the Fraud : XXXX XXXX, an employee, used the business XXXX card without authorization to make purchases on XXXX and other online stores, totaling {$36000.00}. These charges were not approved or known by me or any authorized personnel in my company. 

Actions Taken : Reported to XXXX XXXX : Upon discovering the unauthorized transactions, I immediately contacted XXXX XXXX to report the fraudulent activity. Despite providing all relevant details and requesting a reversal of the charges, XXXX XXXX has not responded as the account is now closed. 
Filed Police and FTC Reports : I filed a police report and an Identity Theft Report with the Federal Trade Commission ( FTC ) to document the fraudulent activity. The police report number is XXXX. 
Credit Bureau Disputes : I have filed two disputes with TransUnion regarding these fraudulent transactions, providing all relevant information that I am not responsible for these charges. However, TransUnion has not removed this from my credit report.

Internal Investigation : I conducted an internal investigation, which included reviewing security footage, transaction ip logs, and employee records. The evidence clearly shows that the employee, XXXX XXXX, was responsible for the unauthorized use. 
Ongoing Impact : Despite the account being over three years old, XXXX XXXX continues to report this account on my personal credit report every month, negatively affecting my credit score. I have attempted multiple times to resolve this matter directly with XXXX XXXX and through credit bureau disputes, but no action has been taken. 

Desired Resolution : I am seeking assistance from the CFPB to ensure that TransUnion removes this amex account from from my personal credit report as this debt was not by me or authorized by me. I have provided all necessary documentation to prove that I am not responsible for these unauthorized transactions. Additionally, I request that XXXX XXXX be required to address this issue properly and cease reporting these fraudulent charges to credit bureaus.

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 2024-08-31 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 XXXX XXXX, I'm reaching out because I've noticed several issues with my credit report, including wrong account listings, unauthorized inquiries, reporting mistakes, billing errors, and accounts that aren't mine. 

I need help fixing these problems to protect my financial security.

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 2024-08-31 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: NJ

Complaint narrative:
I noticed there are multiple accounts on my report that I dont recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed there are multiple accounts on my report that I dont recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have fully investigated my rights in this matter. Under the doctrine of XXXX XXXX XXXX XXXXXXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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:
Subject : Formal Complaint Regarding Inaccurate Charge-Off on Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding an inaccurate and unfairly reported charge-off that appears on my credit report. I have already disputed this matter with the relevant credit bureaus but have not received a satisfactory resolution. Therefore, I am seeking your assistance in addressing this issue. 

Details of the Complaint : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX Credit Bureaus Involved : [ XXXX, TransUnion ] XXXX of the Complaint : 1. Inaccurate Reporting : The charge-off in question is inaccurately reported on my credit report. I have disputed this information with the credit bureaus under my rights as provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Despite my dispute, the charge-off remains on my credit report without adequate validation or correction.

2. Failure to Verify : Under 15 U.S.C. 1681s-2 ( b ), the information furnisher ( creditor or debt collector ) is required to investigate and verify the accuracy of the information when it is disputed. I believe this verification has not been properly conducted, as the disputed charge-off has not been removed despite a lack of sufficient evidence.

3. Violation of Reporting Period : If this charge-off exceeds the seven-year reporting limit as outlined in 15 U.S.C. 1681c ( a ) ( 4 ), it must be removed immediately. The continued presence of this charge-off on my credit report is a violation of federal law.

Impact on Me : The inaccurate reporting of this charge-off has caused significant harm to my credit score, affecting my ability to obtain credit on fair terms. This has had a serious impact on my financial well-being, and I am seeking your intervention to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-08-31 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: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-31 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: AZ

Complaint narrative:
This letter is to inform you of an unauthorized inquiry on my report made by XXXX XXXX XXXX XXXX  XX/XX/2024 ) This is fraudulent and was NOT initiated by me. Please delete as soon as possible. Thank you for your time in 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 non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo continued to have me enrolled me on overdraft coverage, against my wishes, to attempt to continue to rob me. 
I made my account positive right before minute and Wells Fargo authorized a transaction right before midnight so they could charge me another {$35.00}. I have been clear for months to not authorize overdraft fees. 
They said the overdraft standard is automatic and I have to request to remove it. Excuse me? Ive been saying for months I DONT WANT THAT. 

XXXX EST Saturday XX/XX/XXXX. Wells Fargo XXXX refused to Return the overdraft fees while agreeing Wells Fargo should have removed me from this overdraft protection I nevwe authorized. 

They owe me {$70.00} back.

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