vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due lo XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: KY

Complaint narrative:
Consumer Name : ( XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX  account # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT  # XXXX XXXX AACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: KY

Complaint narrative:
This company does not respect the consumer law. I filed a complaint with the CFPB on nationwide capital services llc. They did not respond within 5 days of me asking for validation of debt. They have not send proper validation of an alleged debt. I disputed and challenged there validation of debt. They continued to report on may consumer report after i dispute the validity of the alleged debt. And now they are attacking my XXXX consumer report after attacking my transunion consumer report first. I Disputed threw certified mail with in 30days. They did not give me 30 days to investigate before reporting to another CRA. This is a formal dispute of validation.

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 2024-09-21 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo wrongly closed my account with {$19000.00} in the account that wasn't return to me nor the the company that transfer the money in my account. I had been a customer for 6 months at the time when they closed my account after the money was, made available for me to spend. They kept it open maybe a 5 days after the money was available for me to spend, but they made it hard for me to spend. Until the 5th day I was able to login I contact Wells Fargo only to hear that my account was being closed and the money I was unable to get. After hours and days weeks months begging to provide docs to prove the money was indeed my rightfully. Wells Fargo didn't give me a chance to prove that they were doing was a mistake.They never sent the money back to the place it came from so the business could have reissue me a payment. Still to this day Wells Fargo refuse to tell me where is the money, during the time for them closing my account for no logic or real reason I had a period of hardship homeless mental health issues and etc. I wan na put this behind me and seeking help for this matter this not my first time filing a complaint about this matter this time I hope and pray it falls in the right hands so I can move on from this. I also filing this claim as a remediation I am a victim of Wells Fargo wrong during I deserve a refund from them .....

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
Consumer complaint received 2024-09-23 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-21 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: MS

Complaint narrative:
After requesting this account to be investigated for a fourth time its still inaccurate and incomplete. I am no longer requesting another investigation demanding a DELETION immediately. Adatonally, the FCRA mandates that credit reporting agencies maintain accurate '' information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge off each month creates an inaccurate and misteading credit repon, which negatively impacts my credit score Moreover, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency leading to the charge off ( 15 U.S.C. 1681c ( XXXX ) ). Reporting this Charge off multiple times does not extend this statute and is therefore improper. Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within in 15-days. I request that you promptly DELETE this account IMMEDIATELY!

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 2024-09-21 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> 2024

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute certain account and inquiries on my credit report that are the result of identity theft. This is my second letter addressing this issue, and I am requesting that you remove or remove any information from my credit file that pertains to these fraudulent account. XXXX XXXX XXXX XXXX XXXX : {$5000.00}

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute certain account and inquiries on my credit report that are the result of identity theft. This is my second letter addressing this issue, and I am requesting that you remove or remove any information from my credit file that pertains to these fraudulent account. XXXX XXXX XXXX XXXX XXXX : {$5000.00}

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 2024-09-21 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: NY

Complaint narrative:
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

Account name XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-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 2024-09-21 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: NY

Complaint narrative:
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

Account name XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Equifax XXXX XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
5/3 bank is the worst mortgage company I have ever worked with. When I make a payment out of my bi-weekly paycheck, I submit a partial payment on the payment processing platform on their website. This goes into an " unapplied to mortgage '' status. It would be nice if they would just allow the bi-weekly pay, but they do not allow this, unlike many other mortgage companies, since it would be beneficial to the consumer over the life of the loan. I digress! 

Once I have both of my paychecks for the month and have made the payments, I usually have to call or chat with the bank ( call center ) in order to apply the unapplied balance to my mortgage. In XX/XX/XXXX, I made my first payment of {$1000.00} on XX/XX/XXXX and my second payment for the remainder of my loan amount on XX/XX/XXXX. On XX/XX/XXXX, I asked that the amount be applied to the balance of the mortgage. My wife additionally chat with a representative in order to get the amount applied to my mortgage. 

In the meantime, I keep getting phone calls saying my mortgage is past due, even as the full amount has been transmitted from my account to 5/3 on XX/XX/XXXX. On XX/XX/XXXX, I received another phone call advising me my payment was past due. Again, I explained the situation. I was disconnected after I offered advice that 5/3 update their process, so that I could make my payments and they would automatically be applied to my balance. I then chatted with a representative, who told me my unapplied balance would routed to an account resolutions person in XXXX business days in order to be applied to my mortgage. I called back to the call center and told them I did not have XXXX business days, since after 30 days, this would report negatively to my credit. The representative put me on hold for an extended period of time and told me the " department has a large volume of calls today ''. After holding for nearly XXXX minutes, the representative came back on the line and advised me the " department was closed ''. I asked her if the department was closed, or if the department had a large volume of calls ; she said they were closed. 

I asked the representative if there was anybody else I could speak with, supervisor, escalate the call, etc. in order to get this taken care of. I don't have the extra money to make an additional payment to my mortgage and 5/3 is just sitting on my money unapplied to my balance and I can't get anyone to apply the balance for my loan XXXX full days after I've made the full amount of the payment and pushing against reporting negatively to my credit. 

Again, this has to be the worst bank I have ever done business with!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My Request : Please tell Chase bank that they must remove this false past due amount of {$420.00} from all three credit bureaus expediently. This is completely illegal and unethical for Chase bank to put a LIE on my credit report. 

There is not a past due amount as I have not missed a payment in over a year ( 14 months to be exact ) I have proof and evidence that Chase has put false information on my credit report. In addition to my on time/ current payment history, the proof simply in the pudding. Both Chase Account Statements and my credit reports from ALL THREE credit bureaus shows XXXX dollars past due for all of XXXX and XXXX as well. I have proof that I made payments on time. I have proof that Chase reported my account as current from XXXX to XX/XX/XXXX. I have proof that EVERY MONTH Chase said {$60.00} dollars is due. I paid this as agreed. NOT ONCE did Chase put a past due amount on my statements in the ENTIRE YEAR of XXXX. 

Chase unethically put a past due amount of {$360.00} on my credit report on XX/XX/XXXX. For my XX/XX/XXXX credit report, Chase bank ILLEGALLY increased this past due amount to {$420.00}. Mind you Chase sent the account to a third party collections agency on XX/XX/XXXX. This is UNETHICAL to put a false past due amount on my credit report. 

Additionally, on XX/XX/XXXX Chase bank UNJUSTLY changed my account 's payment history for all of XXXX and XXXX. I made all payments from XX/XX/XXXX to XX/XX/XXXX. Chase falsely put on my credit report 18 times over 90 days late. This is a lie. From XXXX to XX/XX/XXXX my credit report showed XXXX ZERO times 90 days late. 

From the year XXXX to XXXX, I have really been trying to improve my credit. I actually increased my score XXXX points in a year. Chase banks unethical caused my score to drop. No REPUTABLE company would do that to college students just trying to improve credit and pay off debt. Chase bank 's unethical reporting is completely reprehensible. 

This is just WRONG and Chase banks needs to be reprimanded for the emotional trauma and distress that their false reporting has caused me. So many nights I cried myself to sleep. How could they treat anyone like this??? As I stated, I have not missed any payments in over a year. 

This INNACURATE AND FALSE credit reporting from Chase bank is illegal as well as unethical. Chase must remove the false past due amount and false payment history items from my credit report expediently. 

The past due amount is WRONG and a LIE as there is ZERO RECORD OF ANY PAST DUE AMOUNT IN ALL OF MY ACCOUNT STATEMENTS AND CREDIT REPORTS FROM THE ENTIRE YEAR OF XXXX TO XXXX. The past due amount needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The account to XXXX XXXX XXXX  at XXXX is XXXX XXXX XXXX. Consumer finance laws prohibit credit reports of over 10 years old. It is illegal for them to continue to post this information. Contrary to the laws of consumer finance. Its that simple plus they can never prove that I owe this money. Theres never been a promissory note presented never please have them remove it according to consumer finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I experience fraud and identity theft at chase bank. In which XXXX dollars was stolen and the wrong information is showing up on my account and I can not access on line. The last numbers are XXXX and that is not my number. It is XXXX XXXX. It's keeping me from accessing my account and funds

Company response to consumer: Closed with explanation