vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXXXXXX XXXX XXXXXXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX XXXX  XXXX actually documented that the credit bureaus in fact reported to XXXX XXXX XXXX XXXX  that their was hard inquiries and low credit scores when I spoke with the credit bureaus XXXX, XXXX, experian I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite the multiple CFPB complaints that I have been submitting to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent accounts on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have done nothing and ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. I am submitting yet another CFPB complaint to the Credit Bureaus to request that the following Fraudulent accounts listed below still reporting on my credit report and have caused a large decrease in my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following accounts removed from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}

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 2022-11-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite the multiple CFPB complaints that I have been submitting to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent accounts on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have done nothing and ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. I am submitting yet another CFPB complaint to the Credit Bureaus to request that the following Fraudulent accounts listed below still reporting on my credit report and have caused a large decrease in my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following accounts removed from my Credit Report as soon as possible : XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my 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 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: SC

Complaint narrative:
XXXX procedures were paid upon receiving the work. Both instances, the office manager presented me with a bill before the procedure and I signed and agree to pay the same day. The statements sent by the collection show my payments, but it also shows other charges I never agreed on. Also, the dates are incorrect and after paying both bills in person the same day of dental work, never returned to the clinic for any other work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this CFPB complaint to request to the Credit Reporting Agency to remove the reported address from my Credit File since these addresses are not my legal address. I never received any mails in this address and and must be removed as soon as possible. Once again, I am requesting that you remove the following address as soon as possible :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this CFPB complaint to request the Credit Reporting Agency to remove the reported address from my Credit File since these addresses are not my legal address. I never received any mails in this address and must be removed as soon as possible. Once again, I am requesting that you remove the following address as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL 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 2022-11-09 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: EQUIFAX, INC.

Complaint narrative:
I took the consumer loan from XXXX XXXX of amount XXXX aprox including interest. I payed the amount through installements and in XXXX i payed the remaining due which is pending. But when i checked in credit report it is showing XXXX only even after i paying full amount. It is showing only installments till XXXX only. XXXX, XXXX, XXXX, XXXX installements were not updated. Even i contacted XXXX  and equifax team but there is no proper response from both of them. I took the loan in XXXX and from XXXX I started paying installements every XXXX of the month and completed in XXXX. I sent the mails to equifax and XXXX  to why it is not updated. but there is no proper response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have previously sent a letter to XXXX, XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have had XXXX recently which has relieved some of the pain where I can focus and start to get my life back and in order. I contacted Wells Fargo on XX/XX/18 in regards to a charge I noticed coming out of my account. The representative went over and traced how far back the transactions went. I advised her that I never authorized nor did I use the services above the free service they offered and never had to pay for anything nor have I used that company in over a year. I was charged for services over a year and was reimbursed only 2 months of charges they shut my card down and all to only refund me 2 months when I never authorized these fees to be taken out so its fraud charges. She asked why am I barley calling I advised her of my medical issues the last 2 years and I assumed it was my XXXX or XXXX feed because it was such a low amount. I didnt go over my statements as I should have due to the fact of me being on heavy pain meds due to my medical issues I have had. I wasnt able to function properly due to the XXXX XXXX. I had a very rough last couple years but I assumed it was those charges only to find out it wasnt. The charges were fraud and to only be reimbursed for 2 months is literally against what Wells Fargo should do when its fraud charges to a customers account no matter what. Im highly upset and disappointed that they are fdic insured but yet I have fraud charges to my account and due to me not noticing that the charges were fraud sooner I only get 2 months back I will not accept that.

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2022-11-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
California Franchise Tax Board issued an electronic reversal for the bank levy placed in error to Bank of America to be released on XX/XX/XXXX, before the funds were to be released, after a hold was placed on my account over the weekend in the amount of {$2000.00}. The California Franchise Tax Board told me that BOA should have credited back my account within XXXX of receipt of the efaxed withdrawal, sent to BOA 's legal order processing department. It has been sent to BOA XXXX times. The last representative from the California tax board even stayed on the phone with me while the fax was sent a third time. Following this, when I called the BOA representative stated that certified funds would be sent to the California Franchise Tax Board on XX/XX/XXXX in the amount of {$1900.00}. BOA keeps denying receipt of the electronically sent legal order/bank levy withdrawal, is giving me the run around when I requested the legal documentation, as a tax payer, sent to them by the California Franchise Tax Board . I was not properly notified by BOA in advance about the pending legal order that was issued on XX/XX/XXXX, even though I have consented with BOA to communicate any and all documentation electronically and paperless. The California Franchise Tax Board notified me that BOA was supposed to provide advanced notice of the pending withdrawal in order for me as the consumer, account holder, and tax payer, time to remedy the bank levy and to potentially stop the debit of said owed funds. Bank of America denied me of that right. When I asked for page XXXX of the legal order bank levy withdrawal documentation of which I was informed by the California franchise tax board that I have right to, the representative said that I would physically need to go into a BOA branch and sit with a representative who would contact BOA 's legal department and email/ read the documentation to me while I sit there in a BOA branch.

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 monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed this and complained for months! These XXXX have messed up my credit report and they still have not fixed the issue and Demand an investigation! 

I deserve to be compensated per statute. 

I can not he My credit score and have been ignored for months! Please apply statutory fines for equifax violating ny rights to access to my credit score! 

And Equifax is retaliating against me for disputes and is degrading my credit report please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have fraudulent inquiries from XXXX XXXX and XXXX  credit card

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 2022-11-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation