vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am unable to gain access to my Experian account. To gain access, I need my use name and password, which I lost. Experian forces you to use an automated system to regain user name and password. That process starts with entering in your social security number and birthdate. Experian 's system has inaccurate information because my correct SSN and birthdate did not yield the access to the system to change my user name and password. The ONLY way I can contact Experian is by regular mail. There is NO opportunity to get to a live customer service agent to quickly expedite resolution to this issue. 

I have never encountered an automated system that is so hostile to assistance. This company should amend their system to offer an option to gain access to a live agent on a 24 by 7 basis.

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 2023-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank is keep putting some of the charges back even though the issue has been resolved and I have received a letter that Discover bank confirmed all charges were unauthorized. 

This complaint is in regards to Discover Bank. I have lost/misplaced my Discover card ending ( XXXX XXXX XXXX ) in XX/XX/XXXX. There were several unauthorized charges between XX/XX/XXXX thru XX/XX/XXXX. I was out of state for holidays when all this happened. I called and reported the fraud as soon as I got to know. Discover denied my claim and this is so unfair for me to keep paying for something that I did not authorize neither did I received the services or Goods that Discover is asking me to pay. The total amount is around {$3200.00}. I want CFPB to please take corrective action. Discover needs to provide valid proof of investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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 2023-06-19 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
It was {$170.00}. I told them that Ill be able to pay when Im able to find a job but they came to a conclusion that Im not trying to resolve this debt. I felt that they were harassing me on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: LEXISNEXIS
State: AZ

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXXDEPT OF ED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2022 XXXX XXXX, a solar company came to sell me solar. I accept it. They finance me through a finance company ( Enerbank ), the solar company never made contact with me again.In XXXX a second solar company came by to sell me solar I explained I was waiting for the first company but they hadnt showed up. They said they probably wont so I bought solar from them and got financed through a different finance company ( XXXX ). After trying to get a loan I saw on my credit report the first finance company charging me XXXX. I make contact with them and they told me they paid off the solar company so I owe them the money I was wondering if I can get help with this.

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 2023-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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 2023-06-19 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-06-19 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: MO

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency.

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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.

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX Account # XXXX 9. Account Name : XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX XXXX  Account # XXXX 11. Account Name : XXXX XXXX XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: MO

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT. 


1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 9. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX XXXX  Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX XXXX  Account # 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 2023-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection and Derogatory Remark - False Information Dear Equifax, I am writing to dispute a collection and derogatory remark that is currently appearing on my credit report. The inaccurate information in question relates to an account held by XXXX XXXX XXXX. The details of the account are as follows : Creditor : XXXX XXXX XXXX Date of Collection : XXXX Upon reviewing my credit report, I discovered that the collection and derogatory remark attributed to XXXX XXXX XXXX is erroneous and should not be listed on my credit profile. This false information is not only damaging my creditworthiness, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 604, which mandates accurate reporting by credit reporting agencies. 



I kindly request that Equifax thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. Specifically, I request the following resolution : 1. Fast Removal of the Collection : I urge Equifax to remove the collection account associated with XXXX XXXX XXXX from my credit report as soon as possible. Given the false nature of this information, its continued presence on my report is detrimental to my financial well-being and creditworthiness. 



2. Fast Removal of the Derogatory Remark : Equifax should also eliminate the derogatory remark linked to XXXX XXXX XXXX from my credit report. This remark unfairly tarnishes my credit history and misrepresents my financial responsibility. 



I understand that, according to FCRA Section 611 ( a ) ( 5 ) ( A ), Equifax has 30 days to investigate and respond to my dispute. It is my sincere hope that this matter can be resolved swiftly, ensuring the accuracy and fairness of my credit report. 



In addition to this written communication, I have attached copies of supporting documents that validate my claim and provide evidence of the false information. Please review these materials carefully as part of your investigation. 



I expect regular updates regarding the progress of my dispute and request written confirmation once the investigation is complete. Moreover, I would appreciate receiving a revised copy of my credit report reflecting the removal of the collection and derogatory remark from XXXX XXXX XXXX. 



Thank you for your immediate attention to this matter. I trust that Equifax will handle my dispute with the utmost professionalism and resolve the issue in a timely manner. Please do not hesitate to contact me if any further information is required. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. Aidvantage now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from XXXX XXXX XXXX where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from Aidvantage to XXXX but my balance with Aidvantage never went down. I called XXXX and Aidvantage numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to Aidvantage I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or Aidvantage as to what they are doing with any of my accounts. Aidvantage has not subtracted the amount that XXXX has discharged and they have taken more from Aidvantage. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2023-06-19 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: IL

Complaint narrative:
XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with XXXX XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX financial again due to it was corrected on XXXX but not on Transunion XXXX XXXX. 
They proceeded with another investigation and still did not change the Transunion & XXXX status but proceeded to go back to my XXXX report & reported another XXXX late status for the same date of XXXX/2022 that they had previously investigated & corrected!

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 2023-06-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with Equifax XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX XXXX  again due to it was corrected on Equifax but not on XXXX XXXX XXXX. 
They proceeded with another investigation and still did not change the XXXX & XXXX status but proceeded to go back to my Equifax report & reported another 30days late status for the same date of XXXX/2022 that they had previously investigated & corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Previously contacted chase pertain to cancel recurring payments to XXXX service cancels back on XX/XX/XXXX through XXXX. 

The company cant find my credit card ( over seas department ) or my charges. 

3x times called today XX/XX/XXXX XXXX and spend over an hr.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I wrote a check from my business account ( XXXX XXXX XXXX  XXXX XXXX ) to a company/vendor for the amount of {$1600.00} and dropped the check in a secured official USPS post office mailbox on XX/XX/2023 ; on the morning of XX/XX/2023, I received a notice from Wells Fargo ( my bank of XXXX years ) that the check had cleared for {$11000.00}, overdrawing my account by {$450.00}, yet showing it still cleared/ paid by my bank. I immediately went online to pull up a copy of the check and saw that it had been clearly forged ( company name crossed out, name of " XXXX XXXX '' added, " XXXX '' changed to " XXXX '' in the amount, written line clearly showing " XXXX '' was written over " XXXX '' ). I called my bank immediately to let them know the check had been forged, that I did not authorize that amount and did not know the endorser, and asked that they stop payment on the check. I was told that a stop payment could not be issued as the money had already been released and that I needed to file a fraud claim and that it would take up to 10 business days to resolve the claim. It has been over 10 business days and nobody has called me ; my branch manager requested a provisional credit to my account and stated that it was denied by the home office due to the amount of the fraud. I received an email from Wells Fargo on Thursday, XX/XX/XXXX stating that their goal is to provide a resolution on or before XX/XX/2023 ; meanwhile I am unable to operate my business or pay my bills since XX/XX/XXXX due to the {$11000.00} that Wells Fargo allowed to clear my account, even though it was an obvious forgery.

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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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