vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
I recently checked my credit reports and am disputing a late payment entry that has been reported by LEXUS by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/year> a certified mail to XXXX  and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXX XXXX evidence of first check mailed ] to substantiate my claim and my good faith.

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 2024-04-03 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: IL

Complaint narrative:
I recently checked my credit reports and am disputing a late payment entry that has been reported by XXXX by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/year> a certified mail to XXXX  and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXXXXXX XXXX evidence of first check mailed ] to substantiate my claim and my good faith.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Bank refused to send me the XXXX  transactions for XXXX XXXX bank my money was taking out unauthorized and the dispute was denied super fast dont remember the amount but in order to get a police report I would need the grand total of the XXXX XXXX XXXX XXXX and a copy of all the XXXX XXXX XXXX XXXX I can file a police report and recover my funds currant bank refused to assist me and I want a dispute claim to be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-03 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2024-04-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: NC

Complaint narrative:
I had a 3 year contract with XXXX XXXX, the contract period was fulfilled XXXX. After the account was closed an additional two months of fees was billed. No new sensors or security measures were added to my home. The initial sensors were paid under the 3 year contract, no new materials were added. I had already started using a XXXX XXXX XXXX at the time of the additional charges. The charges added were around {$200.00}. I did not pay, I do not owe this company money. Zion Holdings took over the debt it is now showing as {$520.00} on my credit report. I do not owe this money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX  THEY ARE IN VIOLATION OF THE FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NM

Complaint narrative:
I am getting calls from Sunrise Debt Collection. I have emailed them that I have the number they are calling. They have told me that the name on the account does not match my name. The number XXXX is mine. I have a debt free life & have told them so. Despite telling them on more than one occasion not to call they persist.

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 2024-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is regarding a case I filed previously about US Bank. The case number was XXXX and your site started that it was closed. I submitted my feedback, but I want to follow it up with a new complaint until this matter is resolved. 
The US Bank issued a line of credit for {$190000.00} to XXXX individuals named, XXXX XXXX & XXXX XXXX in early 2023. These two individuals have no relations to me, but this loan appeared under my name and address. Since this wasn't a loan that I applied for, I reported it to US Bank as a fraud. This loan appears under my name and my address. After three months of investigation, their cookie cutter response was that there was no fraud and that I'd be responsible for this loan that wasn't even opened by me. They sent me the line of credit contract that is under XXXX XXXX XXXX XXXX XXXX with loan # XXXX and their response ( attached ) is that there is no fraud and that I'm responsible to pay off this loan. One of their representative told me that whatever issues I may have with my current loan company ( XXXX XXXX and if I wanted to clear this loan from my name, I should do it myself. The loan is not mine and I did not open it and I should not be responsible for it. US Bank should make sure all connections that I wrongfully have to this loan is cleared as soon as possible. I believe US Bank is acting on bad faith for holding me responsible for a loan that doesn't belong to me.

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 2024-04-03 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: IL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2024-04-03 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: IL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
I looked at my credit report on XX/XX/2023 and noticed some things were 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. These accounts do not belong to me and are not accurate. XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 

I sent a letter asking them to reinvestigate these accounts : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 

They have not responded to me.

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 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over 7 years and 180 days. 
The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2024-04-03 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:
This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} 1994 XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: AZ

Complaint narrative:
XX/XX/XXXX : completed form to enroll in autopay XX/XX/XXXX : submitted contact form on website to ask when autopay enrollment would be complete. 

XX/XX/XXXX : received email from Edfinancial encouraging enrollment in autopay to benefit from interest reduction. Thinking this must have meant an error in my original enrollment, I resubmitted the autopay form on this date ( estimated start date given via email confirmation was XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX : called Edfinancial to ask why autopay was not taken out this month; requested details on what would happen now that my payment was late. Edfinancial indicated takes XXXX billing periods for autopay to take effect. 

XX/XX/XXXX : received email response to XX/XX/XXXX contact, which only stated they had spoken with me since I submitted that form and to reach back out if questions remain XXXX - XXXX : statements continue to reflect not enrolled in autopay, website always shows estimated start date to be the following month. 

XX/XX/XXXX : submitted contact through website asking when autopay would be set up. 

XX/XX/XXXX : received response from Edfinancial confirming my enrollment form was submitted XXXX, and indicating it takes XXXX billing periods to be effective and my scheduled start date is XX/XX/XXXX. 

At this point, its been XXXX billing periods, and there is no indication the autopay will ever take effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Request for Resolution of Fraudulent Account Activity and Refund of {$31000.00} Dear Sir/Madam, I am writing to formally lodge a complaint against Wells Fargo Bank regarding their handling of unauthorized transactions on my account and their subsequent refusal to refund {$31000.00} of the disputed amount, despite reimbursing {$160000.00}. This ongoing issue, spanning over XXXX months, has inflicted significant financial and emotional distress upon me. 
The unauthorized transactions were initially detected on XX/XX/XXXX, prompting immediate reporting to Wells Fargo. Despite my anticipation of a prompt and thorough investigation, I encountered delays and a lack of transparency. The formal investigation commenced on XX/XX/2023, and concluded on XX/XX/2023. However, Wells Fargo has failed to provide adequate evidence justifying their decision to withhold the remaining {$31000.00} of the owed refund. 
Their refusal to fully reimburse the unauthorized transactions, coupled with the absence of evidence and transparency, constitutes a violation of my consumer rights. Additionally, I request all copies of ATM cash pay-in withdrawal transactions. Its imperative to have details such as the date, time, location, and transaction numbers, which are recorded on transaction receipts. Furthermore, thi is Wells Fargo 's policies and procedures for providing duplicate receipts, as advised by Wells Fargo local Bank Manager and Customer Service. 
This situation raises concerns regarding potential collusion between Wells Fargo employees and certain individuals, which not only breaches ethical standards but also constitutes a form of moral abuse. 
The profound financial and emotional impact of this ordeal can not be overstated. Wells Fargo 's actions have left me feeling vulnerable and exploited, at a time when I should have been safeguarded by my financial institution. 
Please understand the urgency and severity of this situation. I expect a prompt response, outlining the actions Wells Fargo will take to resolve this issue and refund the owed amount {$31000.00} Thank you for your prompt attention to this matter. 
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