vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed XXXX XXXX XXXX XXXX XXXXXXXX. I have been working on get my credit improved since XXXX. I recently applied for a loan with the credit union I have been with for over 12 years and having excellent payment history, over payment of credit cards, I was informed I had a public record hanging over my credit stating my bankruptcy was still pending!!! It had been discharged over XXXX almost XXXX years ago and this has kept me from making major purchases thru no fault of my own. I know of a person who filed a bankruptcy and within a matter of weeks purchased a brand new vehicle. This bankruptcy not showing its having been discharged has hurt me financially for the past XXXX years!!! I have lived in my home since XXXX, I am driving a XXXX vehicle. I havent been offered any type of credit other then credit cards with high interest rates and I reached out desperately for a loan charging an interest rate of over 36 % because of my credit rating. Had i not contacted XXXX and was informed by my credit union, I was not aware of that bankruptcy still not showing the bankruptcy as being discharged. I informed the lawfirm that filed for me and havent heard back from them. I know my bankruptcy was filed discharged and ordered because I worked for the United States district court my bankruptcy was filed in.

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 2024-09-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries that need to be removed are listed below 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 explanation
Consumer complaint received 2024-09-15 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: NV

Complaint narrative:
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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Account Information - XXXX XXXX Dear Sir/Madam, I am writing to dispute the following inaccurate account information on my credit report. I believe the account listed below is not mine, and I have no contract or relationship with the company. Therefore, I request the immediate removal of this account in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Account Information Account Name : XXXX XXXX  Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$520.00} Past Due Amount : {$520.00} as of XX/XX/XXXX Since this account is not mine, I request that you remove it from my credit report immediately. Please verify the ownership of this account, and if it can not be substantiated with accurate documentation, it should be deleted from my credit report. 

I kindly request a prompt investigation into this matter, and I would appreciate receiving written confirmation once this error has been rectified. If you require any further information or have any questions, please feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-09-15 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: NV

Complaint narrative:
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 : Dispute of Inaccurate Account Information - XXXX XXXX  Dear Sir/Madam, I am writing to dispute the following inaccurate account information on my credit report. I believe the account listed below is not mine, and I have no contract or relationship with the company. Therefore, I request the immediate removal of this account in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Account Information Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$520.00} Past Due Amount : {$520.00} as of XX/XX/XXXX Since this account is not mine, I request that you remove it from my credit report immediately. Please verify the ownership of this account, and if it can not be substantiated with accurate documentation, it should be deleted from my credit report. 

I kindly request a prompt investigation into this matter, and I would appreciate receiving written confirmation once this error has been rectified. If you require any further information or have any questions, please feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: WV

Complaint narrative:
XXXX reported the account to the credit bureau and provided the same information to me but for some reason the credit reporting agencies have all changed the information to report negatively on my report showing a XXXX balance of the $ XXXX when in fact the transfered amount was $ XXXX not $ XXXX. I have tried calling and am not getting a response for it to be corrected. They have also changed my information so that I can not log into my online account to file a dispute therefore denying me access to my credit report that is permitted by law of which is a violation of the fair credit reporting act.

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 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Card made claims that I was indebted to their company. I disagree with this claim. Discover Card misrepresented material facts that would have lead me to make other decisions based on our business relationship. My endorsements on the contract gives it value and Discover Card then sold the instrument for cash value and then assigned their liability to me for repayment. This is fraudulent misrepresentation because Discover had a duty to disclose this would happen when I endorsed this contract. They did not and will not take responsibility for their actions. I have filed arbitration against Discover and hereby give notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I recently disputed this account in XXXX of XXXX  and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this account.

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 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
XXXX, told me I couldnt pay more on my loans when I was trying to pay them off early. They were trying to keep me to keep paying and have my interest build. They told me the only option to change my loan payments forberance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late year 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 explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-09-15 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: WV

Complaint narrative:
XXXX reported the account to the credit bureau and provided the same information to me but for some reason the credit reporting agencies have all changed the information to report negatively on my report showing a XXXX balance of the $ XXXX when in fact the transfered amount was $ XXXX not $ XXXX. I have tried calling and am not getting a response for it to be corrected. They have also changed my information so that I can not log into my online account to file a dispute therefore denying me access to my credit report that is permitted by law of which is a violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I checked my annual credit report and noticed a credit card from Citizens Bank was charged off on my report in the amount of {$1100.00}, I dont know when this card was opened or who opened it but I never opened this account. Since the discovery of this I have filed a Police report with XXXX police department in XXXX XXXX XXXX. I have also filed an identity theft report with the Federal Trade Commission. I need this unauthorized fraudulent account removed from my credit report as it has caused me to be declined for renewal of my apartment lease and other lending products, which has cause me tremendous financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system ) I lost nearly XXXX on XX/XX/year> and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Wells Fargo will not provide me anything that proves that they did not commit this fraud against one of their own customers yet I have to try and prove that this was not me and I have to accept their answer that I approved the fraud. I did not. When will Wells Fargo be accountable and provide me proof that they are not responsible for this? They say they are not but they do nothing to provide evidence. Please provide me that evidence. In my most recent complaint I provided more evidence where the money went and they did not specifically address that evidence. They need to provide more details other than it is the customers fault and nothing can be done. I was supposed to receive a letter with details and I have yet to receive that letter. Thank you very much! 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following Accounts, US Department of Education US Department of Education, US Department has violated my rights pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, states validation is requested. Pursuant to 1006.34 Notice for validation of debts. A debt collector must provide a consumer with the validation information required by paragraph ( C ) ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. Pursuant to 685.215 Discharge for false certification of student eligibility or unauthorized payment. If the borrower 's name is on the loan application or promissory note without the borrower 's authorization ; this action qualifies for a discharge of false certification. Unauthorized payment. The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a XXXX XXXX if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation