vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
It seems to appear there is a conspiracy, where XXXX parties or more are acting together to restrict, repress, inhibit or any way deprive any rights, benefits or privileges that would ordinarily be offered to parties of affiant. This also includes racketeering. 

These agencies of reporting and the agencies offering credits by which should never be in position to deprive, only provide access to such rights. 

How are these agencies in such capacity to act as if they are providing any value, hence able to restrict access to obligation of securities in affiants name. 

Meanwhile, affiants credit report shows XXXX soft inquires from a subsidiary of XXXX. 

This means these agencies have hijacked an instrument belonging to Affinat, deprive its usage to the owner, file taxes regarding debt cancellation as well as issue certificates of indebtedness ( income ) yet affiant is left to wonder where said income has traveled to. 

The one asking questions here is affiant, yet, the agencies attempt to behave as if they have some authority to enforce laws which they themselves violate, a sort of paradoxical conflict based on these experiences and statistical reporting on matters resolved from reorienting agencies, only 2 % resolutions have satisfactory outcomes. 

Quite concerning, its a wonder how the CFPB was enacted from all of this, after all, there was the single stipulation that a single director XXXX XXXX was a constitutional violation, yet this was still allowed dispute discrepancies. 

This entire trading with the enemy act is in full force, not sure whose even on my side, its as if an attorney for defendant client relationship, where the attorney is officer for the court, not even interest much in client.

I may be XXXX, but I am less XXXX, and this matter and my seeking resolution, followed by near non-response to the concerns with inadequate due process and unknowingly, unwittingly, being XXXX pursuant to privacy laws not being adhered to, the fairness of credit is without a doubt unjust, unfair, and criminal because of the harmful damages alongside the parties abuse of authority on top of the incentive for poor credit tedering higher APR, necessitate numerous agencies offshoots like XXXX XXXX XXXX XXXX XXXX and others denial due process, disrespect, encroachment, defacing, incorporating victims into the federal zone and its jurisdiction, just a huge reckless endangerment and oppressing government.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have a Wells Fargo XXXX Cash Rewards Visa. It is supposed to credit 2 % cash back on ALL purchases. For the statement period that ended XX/XX/2024, I had {$3600.00} in net purchases, after returns. That should have generated {$73.00} in cash back rewards. They credited only {$60.00}. 

The customer service rep claims to have no access to statements or account activity and so can not verify my purchases. He can provide no answers but offers to " open an investigation '' which will take up to 2 months to complete. 

This should be pretty simple but Wells Fargo makes it complicated.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit 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: Avant Holding Company, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX I purchased food from a restaurant bar at XXXX XXXX in XXXX. I asked the bartender to put the food in separate containers. Instead he threw everything in one box as if it was trash. Seafood and chicken fingers were mixed in the same box. When I got home I called the manager to complain then the next day I called XXXX more times. The woman I spoke to XXXX kept cutting me off on the phone. Later that evening over night I became sick. 

Same issue XXXX called and XXXX the supervisor kept talking over me and cutting me off I filed a claim with my card and they didnt take the full story from me so its now a nightmare..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc.
State: NJ

Complaint narrative:
This company HPSEARS has made a willful violation of the FDCPA. I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Please see the attached record of payment. Account has never been past due 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I closed my account with XXXX ( XXXX ) and returned the equipment. I have a receipt for the equipment return. XXXX is engaging debt collectors to obtain fees for the equipment and additional charges stating I did not return the equipment.

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 2024-03-13 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: MO

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
In XX/XX/XXXX, I was approved for construction loan in the amount of {$420000.00} with Associated Bank. I did not use {$130.00}, XXXX. I was informed that whatever funds I do not use, the principal will be reduced by that amount. It is supported by Assc. Bank policy. 
XX/XX/XXXX, my mortgage principle was not reduced. I have been paying interest to date. Worst, XX/XX/XXXX {$130000.00} was paid out without my Authorization. Associated Bank refuses to discuss this matter with me and continues to charge me fees and cause financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MI

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NJ

Complaint narrative:
I want to put a security freeze on the corelogic report and to opt out of sharing my information with third parties. Corelogic will not let me do so online.

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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt Recovery Solutions Inc reported to all three majors credits bureaus that I owed them a balance. I did not receive a notice of right to dispute this debt nor enough supporting information that validate this debt. This action violates the law which states that a collection agency is required to provide consumer with an information notice to dispute, give the consumer 30 days to dispute, request supporting information to confirm the debt. Meanwhile all collection activities must be ceased until information is provided to consumer. I have received nothing from Debt Recovery all I see is a negative mark on all my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-13 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: IL

Complaint narrative:
've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their repeated refusal to investigate inaccurate items on my credit report, despite my efforts to rectify the situation. 
On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite providing my Government ID, proof of address, and a copy of my social security card to verify my identity, TransUnion has refused to conduct the investigation. 
I received a response back from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion 's refusal to investigate the disputed items has caused me significant distress and financial implications. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 
I am seeking intervention from the Consumer Financial Protection Bureau to compel TransUnion to fulfill its obligation to remove the inaccuracies on my credit report permanently under the FCRA guidelines. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.

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