vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I successfully got my credit report from XXXX and XXXX online via the website XXXX yesterday XX/XX/XXXX. However I could not get my credit report from Experian. I kept getting an error webpage ( see screenshot attached ). 

So I called the number given on the Experian website, XXXX, but their automated phone menu has bugs/errors and it could not complete my request. The number they give there is XXXX XXXX 

I did not send in a request form by mail because it required that I include my Social Security Number, which I did not want to put in postal mail. I decided to file this complaint instead.

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 2024-02-08 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: TX

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 2024-02-08 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: OK

Complaint narrative:
I am writing to request a Metro 2 compliance review of my credit report. I believe these accounts are not mine and part of a mixed credit file or fraud or reporting inaccurately after reinvestigation. I have attached more evidence that proves that some if not all of these accounts are a result of a mixed file or another individual with the same name and DOB as me thus I can not take responsibility for an account that is not mine.

I have included my credit reports from Experian that reflects all three credit bureaus and what is being reported. As you will see clearly, the payment history is incomplete and does not match across all bureaus. If they are contacting the furnishers then these accounts much match per what the furnisher is reporting.

I am requesting that you conduct a Metro 2 compliance review of these account and remove them. A Metro 2 compliance review is a process that is used to ensure that credit reporting agencies are reporting accurate information. 

I am enclosing a copy of my credit report with the late payments that I am disputing highlighted. I am also enclosing a copy of documentation that supports my claim that the late payments are inaccurate. 

Please delete these accounts as I have spent the last 7 months disputing and my disputes and complaints have been ignored. If these accounts continue to report after 30 days, I will seek legal action. 

Thank you for your time and attention to this matter.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: MS

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 non-monetary relief
Consumer complaint received 2024-02-08 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: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
Hard credit inquiries from unfamiliar sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Per federal student aid, website, income driven repayment plans that require recertification before XX/XX/2024 will be pushed back by XXXX year. My recertification date on federal student aids website is XX/XX/XXXX. MOHELA is saying the date on federal student aid website is incorrect and that I have a hard date to recertify on XX/XX/2024 and therefore will not be pushed back. I asked where to view this information about the hard date although they stated that there is no way I can access this on my account, and that it is only available on their end. Therefore, I should recertify now. 

This information is very vague and seems inaccurate compared to what federal student aid website states, as well as my discussion with federal student aid ombudsman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DSR HOLDINGS GROUP, LLC
State: VA

Complaint narrative:
I called XXXX told the rep they have a wrong number and that person hung up on me and still calling

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: VA

Complaint narrative:
Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, regarding the Alleged Credit Card Receivables 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 2024-02-08 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: MN

Complaint narrative:
I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX : Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I deposited {$100000.00} with Marcus on XX/XX/15. On XXXX I tried to access to add more funds, only to find that they had locked my account. I called, the rep had no information, other than they will not allow access to my funds, and will not tell me when they will either allow me access or return my funds. I have called 4 times, XXXX, XXXX, I have spent HOURS on hold, spoken with XXXX, XXXX, XXXX, XXXX XXXX XXXX ) and XXXX, and nobody there can give any answer other than to wait another 5-7 days and call back. This is unacceptable behavior from a supposedly professional company. 

How do I get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> Bank of America drained my checking and savings accounts to pay off a writ that was sent to them. They removed all monies from my account to satisfy the writ even though it was MORE than the writ requested. This left me with nothing to pay for food for my children, my rent, etc. The bank advised me my accounts were frozen until the issue with the writ was resolved. I resolved the issue with the writ and Bank of America was supposed to release my accounts. An agreement was made with the debt collector and BoA was supposed to release. Instead they have decided they will not release any monies until a judge signs off which could take up to a week. MEANWHILE my account is NOT frozen and I am incurring overdraft fees, I can't pay for rent, I can't pay for food. BoA says there's nothing they can do.

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 2024-02-08 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: WI

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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Requested a pay off letter reflecting paid in full and closed. Bridgecrest sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. Bridgecrest should do the same by giving me a true and honorable letter of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX & XXXX and XXXX XXXX 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 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 ) ( XXXX ) A person shall not furnish any information 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 non-monetary relief
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX & XXXX and XXXX XXXX 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 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 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 2024-02-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent a fully registered security to Wells Fargo that abides by everything outlined in 31 CFR part 306 and 12 USC 391 that they willfully neglected to even process nor mention during their response to my original issue I asked that they remove all late fees charges and payments in regards to the account to which they also neglected to even address. They either need to process the security or I will be rescinding the security interest and deleting all my information on the private side. I also never gave explicit permission for them to report my personal information to ANYBODY including so called credit bureaus such as XXXX XXXX and XXXX and that of course was pursuant to title 15 section 6801-6802 and title 15 chapter 94 in general I also demanded to be compensated in an amount not less than {$100.00} and not more than {$1000.00} pursuant to title 15 section 1681n as is my right to which they also neglected to address overall I am extremely disturbed that the company has cut my access to the card yet denies any wrong doing and instead made the claim that no adverse action was taken on the account yet I do not have access to the entire account. I also informed them that it was my RIGHT not a request that my card be given an open ended line of credit to which they denied solely based off fraudulent information that they refuse to delete of my profile but I could have sworn I had the same legal equal lending rights as anybody else they also showed me a contract that WAS NOT the original contract that I signed and I CAN prove the discrepancies between the two if needed their contract was fraudulent and I NEVER agreed to pay them twice once in dollars tender or money and then again once the securities reach full maturity once again I would like to add that my access to certain tools and information on the account has been cut off WITHOUT having been taken to arbitration meaning they are attempting to force arbitration. XXXX XXXX also made the FALSE claim that nobody from Wells Fargo Debt Collections has reached out to me in regards to this account which was an outright lie and I even had to change my number for this reason but I will be forwarding the proof seeing as my phone definitely has caller ID. I hope that all my issues will be resolved amicably but at the moment I feel deep regret even choosing Wells Fargo to be involved in my finances

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 2024-02-08 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: LA

Complaint narrative:
In accordance with the fair Credit Report act XXXX XXXX # XXXX ( XXXXXXXX XXXX XXXXXXXX ) & Account # XXXX ( XXXX XXXX XXXX XXXX ), has Violated my rights. 

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

16 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

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