vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to create an account with Equifax in order to put a freeze on my account. They recommend the my.equifax.com website but I can't log in and it prompts me to call the phone number. I call the number and verify with my personal information and the system says I have to go through the mail but then gives me no instructions for this. The system is useless and I need access to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX we were scammed by a business called XXXX XXXX XXXX  in conjunction with XXXX We paid them {$230.00} for what we understood was a passport and the expedited fee ( plus a {$15.00} fee for passport photos and a {$8.00} fee to print out passport renewal application ). Besides the services mentioned above, at no time did they provide any services for the actual passport or expedited services. They then told us we needed to take all of that i formation to a XXXX XXXX to complete the process. We went immediately to the XXXX where the XXXX XXXX told us we had been scammed because we were actually paying the passport fee and expedited services to the XXXX and they would file the application and documents for us. Which they did. I immediately requested a refund for The company, no response so i called Wells Fargo and reported the scam. I have also spoken the XXXX XXXX XXXX that confirmed that no services for the passport were actually provided by the XXXXXXXX XXXX  XXXX scam and they also advised to have our XXXX XXXX process a chargeback. Wells Fargo initially gave me a provisional credit but are now taking it away over a month later and charging it BACK to my account with no warning because the company denied the refund. Where is our protection from our bank? We have been with Wells Fargo for many many years and have increasing fly become disappointed in the way the treat their long time customers That is what chargebacks are for.

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 2024-08-14 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: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Hard pulls on my credit report after data breech and my info posted on XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: LA

Complaint narrative:
I asked the XXXX XXXX to do a verification of everything on my XXXX XXXX and they did, they stated that everything was accurate. I then did a through research myself and found improper inaccuracies on the credit report after the bureaus through investigation. All XXXX XXXX are reporting different scores and accounts which is XXXX 

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-08-14 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: LA

Complaint narrative:
I asked the XXXX XXXX to do a verification of everything on my XXXX XXXX  and they did, they stated that everything was accurate. I then did a through research myself and found improper inaccuracies on the credit report after the XXXX  through investigation. All XXXX XXXX  are reporting different scores and accounts which is XXXX 

" I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have identified several discrepancies that I need addressed promptly. 

I have fully satisfied the debt associated with the XXXXXXXX XXXX account. Despite this, the account continues to appear as a negative item on my credit report. The status should reflect " Paid in Full '' or " Closed '' with a XXXX balance. I have already had this corrected with XXXX, but the updates are not reflected on my reports with XXXX and Experian. 

XXXX XXXX XXXX, XXXX account was charged off and sent to a third-party collection agency without my consent. This action contravenes the Fair Credit Reporting Act ( FCRA ) as I was not notified of the charge-off, nor was I provided with a valid opportunity to dispute or address the charge-off before it was reported. Although this account has been updated with XXXX, it remains incorrectly reported on XXXX and Experian.

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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was notified of a {$3000.00} Capital One credit card charge when a credit check was completed during the home loan process. When I noticed the charge on my credit report, I immediately called Capital One and was told there was no account in my name. When it was later stated that I had a {$3000.00} charge, I called a second time ( on or about XX/XX/year> ) and at that time was told that they see an account with a {$3000.00} charge, but that it would be dismissed as key identity information did not match. The first Capital One investigation was opened at this time. They stated that I would receive an email with the findings shortly. However, the email on file didnt match mine and they wouldnt tell me what email was on file or email my correct email as the account was closed. On XX/XX/year>, I received a letter dated XX/XX/year>, that indicated that I was responsible for this charge. I called Capitol One again on XX/XX/year> and notified them that this finding was incorrect and provided several reasons for this. They stated that they would reopen the investigation at this time. I completed a police report and notified all three credit agencies immediately. 
I called Capital One back on XX/XX/XXXX and notified them of this and provided the police report number. On XX/XX/XXXX, I received a letter in the mail dated XXXX XXXX indicating that the investigation found that I was still responsible for this fraudulent account. I filed a report with the Customer Financial Protection Bureau yesterday. Capital One refuses to provide any information about the original credit card application and will not acknowledge my evidence as provided. They have been very uncooperative and dismissive of my inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
I have a debt of {$230.00} reported by Cedars Business Services , LLC on my XXXX XXXX which they claim is owed to XXXX XXXX. I have never opened an account with XXXX XXXX and believe this debt is inaccurate. 


Reference Number : XXXX Creditor : XXXX Account Number : XXXX Amount Due : {$230.00} Under XXXX XXXX Code XXXX, XXXX requested debt validation from Cedars Business Services , LLC, but have not received adequate proof that the debt is mine. 
XXXX XXXX. 
Code XXXX mandates that credit information should be accurate. Reporting a debt for an account I never opened violates this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
UNKNOWN INQUIRIY FROM XXXX XXXX XXXX. ON XX/XX/XXXX UNKNOWN INQUIRIY FROM XXXX XXXX XXXX ON XX/XX/XXXX I NEVER APPLIED FOR CREDIT WITH THESE COMPANIES LAST 4 OF SS 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 2024-08-14 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: GA

Complaint narrative:
I am writing to express my concern regarding the XXXX accounts on my XXXX XXXX Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These XXXX  accounts are severely damaging my XXXX XXXX  and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused XXXX XXXX  for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my XXXX XXXX  without any further delay. With your help, I hope to restore the accuracy and integrity of my XXXX XXXX so that I may regain control over my XXXX XXXX. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-14 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: NJ

Complaint narrative:
Upon my pulling of my credit reports i noticed that there was accounts that were not mine.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Experian, XXXX, and XXXX for their failure to remove old, outdated, and incorrect information from my XXXX XXXX Despite multiple attempts to rectify the situation, these XXXX XXXX XXXX have continuously neglected to update my personal information accurately, causing significant distress and XXXX XXXX to my creditworthiness [ XXXX ]. 

The inaccuracies in my XXXX XXXX include multiple addresses, outdated phone numbers, and incorrect employment details that do not reflect my current situation. This misinformation not only portrays me inaccurately to potential lenders but also creates unnecessary XXXX and XXXX  due to the constant need to address these errors repeatedly [ XXXX ]. 

I have provided these agencies with my correct and up-to-date information, including my current address, employer, and phone number. However, they have failed to make the necessary corrections, despite my clear instructions and demands for immediate action. 

The lack of action on the part of Experian, XXXX, and XXXX is unacceptable and has the potential to have severe consequences on my XXXX XXXX. I have already expressed my frustrations and concerns to these agencies multiple times, but their continued negligence and incompetence have left me with no choice but to escalate this matter to the highest authority possible. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act. It is crucial that these agencies rectify the errors on my XXXX XXXX without further delay to prevent any further damage to my creditworthiness and financial stability.

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 2024-08-15 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: TX

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Equifax that these are from fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-08-14 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: OK

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: MN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-14 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:
EVEN AFTER BEING NOTIFIED THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I WILL BE NOTIFYING THE FTC THAT THESE ACCOUNTS WERE DONT FRAUDULENTLY AND MY IDENTITY WAS STOLEN.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-14 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: FL

Complaint narrative:
This public record is still showing on my credit report after I have asked repeatedly for Transunion to investigate on their own that this is not supposed to be on my credit report. There is no evidence that this is my public record as I never filed for bankruptcy.

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 2024-08-14 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # TransUnion Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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