vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Incorrect personal information is being reported on my credit. The address of XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, Ohio XXXX is incorrect and should be removed 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 2024-04-12 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: IL

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.

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 2024-04-12 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-04-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: TX

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 non-monetary relief
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to a Dentist to get a quote for XXXX implants I was told it would be {$50.00} dollars. Without telling me they charged me {$500.00}. I was in fear for my life so I paid and immediately called the credit card company. I am a XXXX XXXX XXXX senior American citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TX

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 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 non-monetary relief
Consumer complaint received 2024-04-12 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: NJ

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 2024-04-12 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: NC

Complaint narrative:
On XX/XX/24, I wrote a dispute letter to Experian to have a XXXX XXXX XXXX XXXX account removed from my credit report. When I received the results, the account was not even mentioned. This means that there was no investigation done and the account remains on my credit report. I do not understand why the account is still on my credit report as the account does not belong to me. Experian is breaking the Fair Credit Reporting Act and the account must be removed.

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 2024-04-12 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: NY

Complaint narrative:
I am writing to file a formal complaint against experian violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of XXXX  XXXX on my consumer credit report and/ or credit file, which I did not consent to nor was I properly notified about this information is not only wrongful but was also reported without my explicit consent or prior notification. Thus action has significantly and negatively affected affected my credit score making it difficult for me to get credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by experian. 
I hope experian takes my complaint seriously and rectifies this situation as swiftly as possible. 
I look foward to your response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, 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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Once again, Wells Fargo placed an ( 11 ) days hold on my recent deposit into my business account. 

The deposit was made on XX/XX/XXXX and this morning I was alerted that a hold has been placed on such deposit until XX/XX/XXXX. 

The check that is the source of the deposit that is being withheld is from a customer of mine for the past 12+ years and such checks are always drawn from the same customer 's XXXX XXXX XXXXXXXX account and never had any checks returned unpaid. 

Furthermore, I have been a customer of WF for over 25 years and have never had any banking issues, neither on my business nor on my personal accounts. 

I find this hold not only unjustifiable but also questionable. It is another example of consumer abuse by Wells Fargo. 

In a reply from WF to my previous complaint ( Case number : XXXX ), WF said the following : Occasionally, we may place a hold on a deposited check, particularly if : An account has had frequent overdrafts or returned items ( Never ) The account was recently opened ( the account has been open since XXXX ) The issuers account had a recent returned Item ( Not true ) The issuing bank notifies us that the deposited check could be returned unpaid ( Not true, because my customer confirmed that the check has cleared their account ) This is the second time in less than a year that I find my business disrupted by WF due to unjustifiable hold on deposits on my business account. 

Please, do something about this abuse by Wells Fargo... please put a stop to this continuous abuse by Wells Fargo.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Between XXXX and XXXX I had 28 fraudulent charges ( totaling {$160.00} ) on my card ... ... ..all with the same merchant name. I talked to XXXX and used their online tool to check for charges to my card number and they did not show any charges. I reported this activity within days of the charges showing up. AMEX has always been responsive on the phone, issued replacement cards and for the first few charges they were prompt in communications and provisional credit. To date, they have refunded 20 charges for {$77.00}. With the remaining 8 charges ( totaling {$84.00} ) AMEX has been much more difficult. I have reported these charges no less than four times and each time the phone staff are very responsive, but the credits never get issued. It has now been almost two months since I first reported the most recent fraudulent activity. I have one confirmation dated XXXX ( several weeks after reporting the charges ) stating they would credit my account for {$52.00}. This credit has never occurred. After multiple additional attempts ( and contacting the Office of the President ) to get provisional credit, I received another letter on XXXX stating they have issued provisional credit for {$31.00}. This credit has not occurred to date. The resolution date is XXXX which is over XXXX months from the time I first reported the activity. 

Finally, after 3-4 calls to the Fraud department and a letter and 3 calls to the Office of the President they did provide the remaining credit that they had been promising for over a month. This credit was provided without any letters, emails of verbal communication from the company ... ... .just a credit that i happened to notice on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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: NJ

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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On Thursday XX/XX/XXXX at around XXXX I walked into the TD bank located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I made a wire transfer to recipient XXXX of {$11000.00}. The bank associate who helped me was not familiar with the process and had to be helped by the bank XXXX XXXX XXXX On XX/XX/XXXX I notice on my online checking account another wire transfer for the same amount to the same individual being debited from my account. On XX/XX/XXXX I call XXXX XXXX and they tell me that this second wire was made by accident. She tells me that they have issued a recall on this wire and that they will give me a temporary credit for the amount they accidentally wired. In the meanwhile, in an email between the recipient, myself, XXXX, and XXXX XXXX XXXX XXXX XXXX we ask the seller to accept the recall. The recipient says if he receives the accidental wire, that he will return it. 

On XX/XX/XXXX the recipient affirms that he has not received the second accidental wire. On XX/XX/XXXX XXXX in an email says she asks the wire department to send another recall. 

Today is XX/XX/XXXX and I still have not received a temporary credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I have approved for burrowers defense case. I have been approved to have all my loans discharged. ED FINANCIAL SERVICES sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: LA

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
It was a year into the loan i had made all payments my info told me that was enough to cancel pmi they said no they disagreed by saying bring suit against them .I left it alone and now it says if i made all payments that half way through the loan that pmi should be canceled if i made all payments and that i should have received a pmi cancelation date there was a law suit against another co was wondering if there a class action against Rocket mortgage do i have the right to go back now to ask for realest by way of the halfway point ruler or the one year rule time I also had a program thru hud agency offer to pay on the mortgage they refused saying they did not or where not going to except partial payments to my account the program is called hopwa do they have to except it i was in the pandemic forbearance which i read that thru while coming out of forbearance it was made another term

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I utilized XXXX XXXX for filing my taxes and at the end they asked me if I wanted to track my refund with making an account with Credit Karma. I did not want Credit Karma to run my credit report, instead they ran a credit report. I do want the credit report removed due to it affecting my credit report. I already know my credit score and do not want to use the company. I tried to speak with them and I was redirected several times.

Company response to consumer: Closed with explanation