vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I reviewed my credit report on XX/XX/XXXX and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX I demand that these things be investigated and removed from my report in accordance with the provisions of the Fair Credit Reporting Act. It's my understanding that you'll double-check these items with the creditor who uploaded them. Please eliminate any information that can not be verified by the creditor. I realize that you must finish this reinvestigation within 30 days of receiving this letter under 15 U.S.C. Sec. 1681i ( a ).

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
Our company uses Wise.com to pay our international team members. One of our new employees that we tried to set up had there account deactivated. Our employee was not told why and created an appeal as told to by Wise.com. It has been XXXX business days and there is still no resolution or reason as to why their account was deactivated. The appeal was put in XX/XX/2023. I have contacted them several times to see what we can do on our end to push this along but they will not assist as it is not my account. I have asked them what they are doing and how I am to handle this should this happen to a future employee to be told to have the employee contact them. Nothing for the business side of things to help with. The employee has been contacting them on a daily basis only to get told after 23 days to submit another appeal. Still no information or guidance on how to fix the account other than NOT to open a new one as it would be flagged and cause more issues. So we wait. Still waiting with no help what-so-ever. This is very frustrating and will result in us taking our business elsewhere if this is not resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
Promotional transfer offered is not as they state On XX/XX/XXXX I took advantage of OLLO Credit card promotional transfer and used the app to request {$500.00} to be sent to XXXX XXXX XXXX and then Ollo Credit card took the {$500.00} out of my card and charged me {$15.00} and to this day the transfer has never been sent. I called to check what was going on and the agent said it was on hold. I said then cancel it and place it back on my credit card on XX/XX/XXXX. nothing has happened so I called on XX/XX/XXXX and was told it would be 4 days and the {$500.00} plus the {$15.00} would be back on my card. nothing I have called Ollo customer service over 10 times to receive confirmation that I would get my money back on my account, but since they never sent it, I have closed my account. I will make my payments on what I owe but need the {$510.00} placed on the card. 

I have reported OLLO to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ollo Card closed by holder due to scam fraud of OLLO

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/XXXX, I purchased tickets for XXXX festival using Affirm, which is a virtual loan service. The total cost was {$720.00}. The festival was to take place XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, a week before the festival, the whole festival was cancelled. I have been reaching out to XXXX for months to no avail. XXXX has not responded to any outreach about refunds. On XX/XX/XXXX, I received an automated email from XXXX stating that if I do not receive my refund from them within 90 days, that the credit card company can process the refund. I have been going back and forth with Affirm for months now. It is way past the 90 day mark and they are still refusing to refund me. Affirm is telling me that since I did not dispute within 120 days, they cant help me. I keep asking them how was I supposed to dispute it within 120 days when the purchase was made in XXXX, and the festival wasnt cancelled until the end of XXXX. Even after I let Affirm know that the festival was cancelled, I still had to pay the remainder of the balance for the tickets. This is a lot of money and I should not lose it due to something that is completely out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
I contacted the company XX/XX/23 and they informed me they served papers to my house XX/XX/23 and now things were going to court. I have never been served and the physical description they gave was NOT me. They said female with brown hair, XXXX and XXXX lbs but I am heavier than that at XXXX lb. I also have a doorbell camera and can prove they did not serve me papers that day or any other day. I had no idea they filed anything with the court or tried to serve me papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX XXXXCODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX  Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have contacted XXXX and filed several disputes about all the inaccuracies on my report. There are inaccuracies in the date opened, date last reported, date last active and date of last payment. This should be removed due to all these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
IMY INFORMATION WAS USED WITHOUT MY KNOWLEDGE. I AM A VICTIM OF IDENTITY THEFT. I HAVE CALLED AND FOLLOWED UP WITH THIS COMPANY MANY TIMES TO HAVE THEM REMOVE THIS FRAUDULENT ACCOUNT. THEY CONFIRMED A XXXX BALANCE. PLEASE ASSIST ME TO HAVE THIS FRAUDULENT ACCOUNTS REMOVE FROM MY. CREDIT REPORT. THANK YOU

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 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am not sure what the debt is for, but HUNTER WARFIELD INC, has not attempted to contact me at all before reporting it to my credit. I have not received a letter, phone call, or email. I attempted to call them but it went to voicemail. I have no idea what this is about and they should have contacted me before negatively affecting my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Early Warning Services Consumer Assistance XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Demand to Stop Reporting Fraudulent Accounts to my Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the reporting of fraudulent accounts to my consumer report by Early Warning Services. Specifically, I have discovered fraudulent accounts associated with XXXX XXXX and XXXX XXXX XXXX, which have been incorrectly linked to my identity. 

I find it alarming that these fraudulent accounts have been reported to my consumer report, and I hold Early Warning Services responsible for any adverse impact this may have on my creditworthiness and financial reputation. These accounts have been established without my knowledge or consent, and I have taken immediate action to address this issue. 

Firstly, I have filed a formal complaint with the XXXXXXXX XXXX XXXX, providing them with all relevant information regarding the fraudulent accounts. Additionally, I have reported this incident to the Federal Trade Commission ( FTC ) and have obtained an Affidavit of Identity Theft, which I am attaching to this letter for your perusal. 

In light of the seriousness and potential legal implications of this matter, I demand that Early Warning Services promptly cease reporting these fraudulent accounts to any consumer reporting agency. I request that all references to these accounts be removed from my consumer report, and that any information pertaining to them be expunged from your records. 

Furthermore, I expect Early Warning Services to undertake a thorough investigation into how these fraudulent accounts were able to be linked to my identity. I urge you to take all necessary steps to rectify this situation, including but not limited to contacting the respective financial institutions involved to ensure the immediate closure of these fraudulent accounts. 

Failure to comply with this demand within 30 days from the date of this letter will leave me no choice but to take further legal action to protect my rights and seek appropriate remedies. Given the seriousness of this matter, I am prepared to pursue legal recourse to the fullest extent allowed by law. 

I trust that Early Warning Services will handle this issue with urgency, professionalism, and the necessary care it deserves. I expect prompt communication from your side to acknowledge receipt of this letter and to provide me with updates on the actions taken to address my concerns. Please direct all correspondence regarding this matter to the contact information provided above. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently contacted the company TransUnion about inaccurate information reporting on my credit that was making a negative impact on my creditworthiness. I contacted them in the month of XXXX to let them know of this activity. As well as inform them that the accounts reporting were made by way of fraud and that I filed a separate report with the FTC on said issues. I forwarded the information to them as well as tried to start a dispute process with them over the phone but I could not get any help at all. to know avail the information currently updated on my report is accurate even thou my address is incorrect and I do not have any knowledge of the accounts that reporting based on USCI recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Your company is reporting three accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.

Company response to consumer: Closed with explanation