vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 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: OH

Complaint narrative:
The credit reporting agency is XXXX. 

Credit score decreased XXXX points without any changes to the credit file. They have provided potential lenders with an inaccurate assessment of my account : Proportion of balances to high, revolving credit utilization, the utilization is at 0 % without any revolving credit. 

Too many accounts with balances, I do not understand this as 90 % of my accounts hasn't received a late pay dated since 2006. Payment history should be reflected as reliable and low risk. 

Serious delinquency, the creditor has failed to remove errors with the accounts via previous disputes, and medical collections listed should have been covered by medical insurance without any financial liability. However there is a XXXX XXXX account that was closed and excessively charged due to deceptive practices and unfair lending with great history. I haven't filed a complaint yet. 

A significant portion of these collections are very old and should have very little impact. 

They are not reflecting my credit report the same as other XXXX XXXX and I am being XXXX discriminated against in lending because of it. 

Lastly with thr amount of errors and inconsistency in lending slacross the board I demand for those inquiries to be removed as it was not a fair credit assessment and with all 3 reporting agencies. They need to correct the credit report and remove disputed items, and unauthorized inquiries and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My consumer report shows a late payment in XXXX, a direct violation of the laws put in place to conceal consumers ' privacy. Transunion is in clear violation of the law, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I ask that the reporting agency ( Transunion ) and company reverse the late payment ( s ) from my consumer report. This agency is in violation of 15 USC 1681.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I file a bankruptcy XXXX that was later discharge in XX/XX/XXXX  which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits bureau transunion XXXX and XXXX by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im 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 2023-08-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX has attempted to bill me for viewing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Daily calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account XXXX Dear XXXX Consumer Relations, I am writing to formally dispute the accuracy and validity of an account that is being reported on my credit report. The account in question is referenced by the account number XXXX. According to my credit report, the account details are as follows : Creditor : XXXX XXXX Balance : {$470.00} Highest Balance : XXXX XXXX Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Term : 7 months Payment History : You've indicated that I've made 100 % of payments for this account on time. 
I would like to bring to your attention that I have no knowledge of this account, and I do not recall entering into any agreement with XXXX XXXX  or any other entity for the debt mentioned above. Additionally, the payment history provided does not accurately reflect my financial activities. 

Considering the information provided, it appears that there may be an error or misunderstanding. I request that you conduct a thorough investigation into the validity of this account and the accuracy of the reported information. As part of this investigation, I kindly ask that you provide the following : Verification that the debt is indeed associated with me and that I am responsible for it.

Copies of any documentation, contracts, or agreements related to this debt.

Detailed payment history, including dates and amounts of payments made. 
Any communication or correspondence from XXXX XXXX related to this account. 
I believe it is crucial to resolve this matter promptly, as it is adversely affecting my credit standing. I have always been diligent in managing my finances and ensuring that my credit report is accurate. I respectfully request that you expedite the investigation process and provide me with a written response outlining the results of your investigation. 

In accordance with my rights under the Fair Credit Reporting Act, I am requesting that you provide a response within 30 days from the date of this letter. If you are unable to verify the accuracy of this account, I request that it be removed from my credit report immediately. 

I appreciate your attention to this matter and your commitment to upholding the accuracy of credit reporting. Please provide any communication regarding this dispute in writing to the address mentioned above. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported one balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to XXXX. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA 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 states that a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: GA

Complaint narrative:
COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported XXXX balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to Experian. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA 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 states that a consumer reporting agency can not furnish an account without my written instruction

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 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within XXXX days of the consumer 's request.

It has been well over XXXX  days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within XXXX XXXX days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

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 2023-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ].

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023, I receive a phone call from XXXX XXXX XXXX. This number is a number for J.P. Morgan Chase. 

The person calling said my debit card had been used in Arizona and they needed to verify thst this use was unautorized and gather other information to cancel that card and issue a new one. I answered their questions. 

Shortly after, a series of withdrawals in the amounts of {$200.00} and {$140.00} were made from my savings account. I did not make these withdrawals. I immediately called Chase and they said my money would be refunded and that a claim was being filed. They said they would shut down the card immediately and said they would send a new one. 

The following day, XX/XX/XXXX, I noticed another series of withdrawals from my savings account. I called Chase again and reported the charges. They said they would be depositing the funds back to my account ( This mever occurred ) and that they were filing a claim and issuing me a new card. 

I spoke with Chase today, XX/XX/XXXX, and they said the first claim ( for the charges in XX/XX/XXXX ) were denied and the the claim from XX/XX/XXXX is still pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 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: MI

Complaint narrative:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-08-21 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: MI

Complaint narrative:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion are reporting these two closed tradelines with XXXX XXXX XXXX XXXX. THEY WERE REMOVED FROM MY XXXX REPORT AND MY XXXX REPORT. I AM REQUESTING FOR THESE TWO ACCOUNTS TO BE REMOVED IMMEDIATELY. TRANSUNION IS VIOLATING 15 USC 1681e. IF THEY DO NOT COMPLY I WILL FILE ANOTHER SUIT ON TRANSUNION. SEE ATTACHED WITH THESE ACCOUNTS ON MY UPDATED TRANSUNION REPORT AND NOTICED FROM XXXX REPRESENTATIVE SENDING ME NOTIFICATION THAT IT WAS BEING REMOVED FROM XXXX. TRANSUNION IS THE ONLY ONE REPORTING AGAINST FEDERAL LAW. 
ACCOUNT # ENDING XXXX ACCOUNT # ENDING 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 2023-08-19 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of. 

I have never done business with your company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/2023 I logged into my XXXX XXXX XXXX XXXX issued by Wells Fargo bank and noticed I had been assessed a late fee of USD {$25.00} as well as an interest fee of USD {$48.00}. This was surprising as I have had no record of late fees on this account and thought I had paid off the balance in full for the prior statements. I then called Wells Fargo on the same day and was informed by a representative that I had been charged both fees as there was a balance of USD {$180.00} that had been left unpaid on my XXXX statement. Looking into the charges, I realized that my building had added those charges without my knowledge, given the card in question is linked to my building to pay for rent and utilities. 

In light of the unexpected charge and my lack of late payments prior, I requested that both the late fee and interest charges be refunded. The representative informed me that unfortunately only the late fee could be refunded and that the interest fee would not be removed. This seems particularly unreasonable, given Wells Fargo bank assessed the interest payment on the entire outstanding balance of my card at the time, totaling USD {$4300.00}, rather than only on the USD {$180.00} that was overdue. When I pointed this out to the representative, they sought a supervisor, who unfortunately upheld the original decision not to refund any of the assessed interest charge. 

This not only feels unreasonable punitive, but also markedly unfair given other financial institutions routinely refund assessed interest for first infractions on request. Even if Wells Fargo chooses not to follow this industry standard, I would think that it would be reasonable to only charge interest on the actual amount overdue vs. the much larger standing balance, the vast majority of which was not in overdue status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief