vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX? Please fix and update this account. No late payments and Payed as agreed. 

Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX ( incorrect ) You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX. Please fix and update this account. No late payments and Payed as agreed. 

Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX ( incorrect ) You are reporting the first date of delinquincy was XX/XX/XXXX as a 60 day late payment and there was a payment paid and reported in XX/XX/XXXX. How can the account be delinquent 60 days and it shows a green check paid in the month of XX/XX/XXXX. Please fix and update this account. No late payments and payed as agreed. 

Account Name : XXXX XXXX Account # XXXX Balance : XXXX You are reporting the first date of delinquincy was XX/XX/XXXX & XX/XX/XXXX as 60 days late each month and a payment was marked paid XXXX, XXXX & XX/XX/XXXX. How can the account be delinquent 60 days with XXXX consecutive months paid. 

In XXXX you reported the account delinquent in XXXX & XXXX 60 day lates each month and the account was marked paid XXXX and XXXX. How can the account be delinquent 60 days with consecutive months of payments and green check showing paid. 

In XXXX you reported the account delinquent for the month of XXXX for 60 days and you marked a green check as paid for XX/XX/XXXX. How can this account be 60 days late and a payment was made in XXXX. 

XXXX XXXX XXXX ; There is no scheduled payment reporting for this account in XXXX, XXXX. I requested a signed contract. Where is the payment history and verification and validation of this debt. I have no knowledge of this account and this account does not belong to me. 

XXXX XXXX XXXX Loan XXXX Balance information is incorrect ; XXXX & XXXX You reported the first delinquency in XXXX at 120 days late in Septemer and you have a green check and payment made for the months of XXXX, XXXX, XXXX. How can this account be 120 days late with consecutive payments. No Data for XX/XX/XXXX and you report 150 days late for the month of XX/XX/XXXX. You have payments made and they are marked but you reported it late. Please update the both of these accounts.payed as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i do not recognize those iquiries in my credit reports. 



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 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 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i do not recognize those iquiries in my credit reports. 



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 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
iam a victim of identity theft i found a few accounts that i dont recognise and XXXX  loans and ive never been to school my credit is harmed and they violated my privacy and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and never sent me anything 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 2024-10-16 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: FL

Complaint narrative:
iam a victim of identity theft i found a few accounts that i dont recognise and student loans and ive never been to school my credit is harmed and they violated my privacy and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and never sent me anything 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 2024-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CO

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these itesm based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXXXXXX 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have identified unauthorized inquiries on 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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-10-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In XXXX of XXXX we opened a XXXX online with Wells Fargo Bank using money from our existing Wells Fargo account. The XXXX matured in XXXX of XXXX and we were informed it would auto renew unless we cancelled it. When I attempted to cancel the XXXX I was informed Id have to visit a branch in person to do this. When I did, it took over thirty minutes and three separate interactions with bank personnel to cancel the renewal and put the funds back into our checking account. Had I not cancelled, the XXXX would have renewed at 1.9 %, a fraction of the current rate. The primary account holder is my father-in-law, an XXXX XXXX XXXX man living in assisted living who has mobility issues. 

While this issue is now resolved, there is no doubt in my mind that Wells Fargo is preying on its customers, especially ones like my father-in-law, who would have great difficulty complying with the artificial flaming hoops the bank has established to simply not renew a mature 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Inaccurate information I am listing account 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. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Please Delete these accounts listed below : XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Hello I've contacted the bank about these duplicative and fraudulent transactions over a year ago, and they've never responded to me. I've sent letter, sent an online message, and waited on a phone call hold over an hour. I request all of these transactions credited. The same company that I do not recognize is charging twice in XXXX XXXX, and XXXX XXXX.

XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36.00} XXXX points

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
I have recently been in the process of buying and selling a house. Because of this my credit was pulled and it came to my attention that there was duplication errors for my student loans. My federal student loan balance is just over {$100000.00} and with it being duplicated on my report it severely affects my debt to income ratio and thus my ability to buy a home. 

From reading articles online it seems this is a problem that has affected thousands of other federal student loan borrowers. My federal student loan servicer is MOHELA, they recently changed their platform and erroneously reported some students continuing credit accounts as new causing them to be duplicated on the credit report. I called MOHELA to ask them to help me resolve this and they did not give me much help over the phone other than saying they were aware of the issue and were working on resolving it. I was not satisfied with this given they caused the issue in the first place. 
I also filed disputes with each credit bureau the day I found out ( XX/XX/year> ). My XXXX and XXXX reports are now corrected as of today XX/XX/year>. However my XXXX report is not. It seems XXXX did not due their due diligence to fully investigate my dispute because they responded to my dispute request having not made any corrections to my credit report saying we verified that this item is correctly reportedwhen they clearly were duplicated. So now XXXX is delaying the resolution of my dispute and correction of my overall credit report because I have to dispute it again. I have resubmitted my dispute today with much more specific information specifically pointing out which reported student loans are duplicates of which. This delay is extremely problematic for me currently trying to buy a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NE

Complaint narrative:
XXXX XXXX identity theft like before with parents as prime suspects in my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for their repeated failure to process my dispute and their apparent disregard for the Fair Credit Reporting Act ( FCRA ) requirements.

Timeline of Events : 1. XX/XX/year> - Received first response from Equifax claiming documents were illegible 2. XX/XX/year> - Sent requested documents to Equifax 3. XX/XX/year> - Received second letter from Equifax claiming documents were illegible 4. XX/XX/year> - Sent enlarged, high-quality copies of requested documents 5. XX/XX/year> - Received third letter from Equifax, again claiming documents were illegible 6. XX/XX/year> - Sent escalation letter with enlarged, high-quality copies of requested documents 7. XX/XX/year> - Received fourth letter from Equifax, once again claiming documents were illegible Nature of Complaint : 1. Repeated Failure to Process Dispute : Despite multiple submissions of clear, legible, and enlarged copies of my identification documents ( driver 's license and Social Security card ), Equifax has consistently failed to process my dispute, citing illegibility of documents.

2. Potential FCRA Violations : Equifax 's actions appear to violate the FCRA, which requires credit reporting agencies to conduct reasonable investigations and correct inaccurate information promptly.

3. Inconsistent Claims : Equifax claims that the information provided does not match their records, yet simultaneously states they can not read the documents. This inconsistency raises concerns about their review process.

4. Failure to Provide Specific Guidance : Despite multiple requests, Equifax has not provided any specific explanation of what aspects of the documents are illegible or what specific information doesn't match their records.

5. Undue Delay : The repeated cycles of identical responses have caused significant delay in addressing the original dispute, potentially causing ongoing harm to my credit standing.

Actions Taken : I have made multiple good-faith efforts to comply with Equifax 's requests, including : - Sending enlarged, high-quality photocopies of requested documents - Submitting an escalation letter detailing the issue and requesting supervisor intervention - Attempting to contact Equifax customer service for clarification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Identity theft of felony uhh nature by parents or related relative

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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OPTUM BANK, INC.
State: LA

Complaint narrative:
See attached highlighted statements. This is the information that has been provided to Optum bank. All highlighted charges are fraudulent. Only XXXX card issued to myself and I was in possession of the card at all times. I have been trying to get this issue addressed since late XXXX. I am told they credited some charges from XXXX  but have yet to see the statement proving that this occurred. XXXX XXXX with Optum Bank was working the issue but dropped the ball!! I attempted to call her several times and never received a call back. She was the only individual who said that Optum Bank does have the statements I sent with the highlighted fraudulent charges. 

All other individuals I have corresponded with indicate that need me to send the fraud charges else they can't help. It is just mind boggling the games Optum is playing.

Company response to consumer: Closed with explanation