vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-08-16 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: GA

Complaint narrative:
I discovered some unauthorized inquiries on my credit report this evening, and I have no idea why they are there. I checked my report as I normally do, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Due to this issue, I'm requesting a thorough review of the documents I've submitted so that I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
Tonight, I found unauthorized inquiries on my credit report, and I dont understand how they got there. I was reviewing my report as I usually do, but this time, there were discrepancies I couldnt explain. I tried refreshing the page, hoping it was just a browser issue, but the unauthorized inquiries didnt disappear. Therefore, Im requesting that the documents Ive provided be carefully examined so that I can stop worrying about this.

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 2024-08-16 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: GA

Complaint narrative:
This evening, I noticed unauthorized inquiries on my credit report, and Im unsure why they appeared. When I checked my report as usual, I was alarmed to see discrepancies that hadnt been there before. I attempted to refresh my browser, thinking it might be a technical error, but the unauthorized inquiries were still present. Because of this, Im asking for a detailed review of the documents Ive sent to ensure this never happens again.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I am not liable for this debt with Upstart Network Inc. I do not have a contract with XXXX XXXX XXXX XXXX. Under 15 usc 1692c- XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$5800.00XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$88.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balanced {$0.00}

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balanced {$15000.00} XXXX XXXX  XXXX Balanced {$0.00}

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 2024-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties.

No 1099c sent This has been written off as income but still showing up on my credit report. Non responsive to consumer which is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: MI

Complaint narrative:
I am a victim of identity theft. I did not authorize these inquiries. I am requesting to have this information removed from my profile.

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 2024-08-16 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: CA

Complaint narrative:
My information was used without my knowledge or consent as I am victim of human trafficking of Debt Bondage. Please delete the following accounts. XXXX XXXX XX/XX/XXXX BALANCE - {$1100.00}. XXXXXXXX XXXX XXXX  XX/XX/XXXX BALANCE- {$1500.00}. XXXX XXXX XX/XX/XXXX BALANCE - {$4900.00}. XXXX XXXX XX/XX/XXXX BALANCE- {$2900.00} XXXX XXXX XX/XX/XXXX BALANCE- {$1500.00}. XXXX  XXXX XX/XX/XXXX BALANCE- {$1300.00}. XXXX XXXX XXXX XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BAL- {$3600.00} XXXX XXXX  XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XX/XX/XXXX BAL- {$120.00}. XXXX XXXX XX/XX/XXXX BAL- {$10000.00}. XXXX XXXX XX/XX/XXXX BAL- {$920.00} XXXX XXXX  XX/XX/XXXX BALA- {$6200.00}. XXXX  XXXX XX/XX/XXXX BAL- {$500.00}. XXXX  XXXX XX/XX/XXXX BAL- {$320.00}. XXXX XXXX XX/XX/XXXX BAL- {$3900.00}. XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XXXX  XX/XX/XXXX BAL- {$1100.00}. XXXX XXXX XX/XX/XXXX BAL- {$3700.00}. XXXX XX/XX/XXXX BAL- {$7500.00}. XXXX XX/XX/XXXX BAL- {$590.00}. XXXXS XX/XX/XXXX BAL- {$2400.00}. XXXX  XX/XX/XXXX BAL- {$3600.00}. XXXX  XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XX/XX/XXXX BAL- {$8300.00}

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 2024-08-16 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-16 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: NY

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed the information is incomplete and not accurate. According to 15 USC 168 ( e ) b violation, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXXXXXX ], [ XXXX XXXXXXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXXXXXX ], [ XXXX XXXXXXXX XXXX XXXXXXXX ], [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

XXXX XXXX XXXXXXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate.

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 2024-08-16 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: NY

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed the information is incomplete and not accurate. According to 15 USC 168 ( e ) b violation, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX XXXXXXXX ], [ XXXXXXXX XXXX XXXXXXXX ], [ XXXX XXXXXXXX XXXX XXXXXXXX ], [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX  XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: AZ

Complaint narrative:
I have a dispute against XXXX where I paid my mortgage and turned around and paid XXXX the same amount ( XXXX ) the same day. I always maintained a XXXX balance on the XXXX XXXX. XXXX days later, XXXX rescinded the rent payment and kept the money. My mortgage company just let me know the payment for last XXXX XXXX was missing and what happened. I have all my statements showing my XXXX transactions each month ( I never used the card for anything else. ) They did not notify me that they rescinded the rent payment. I have been hearing from their XXXX desk going on XXXX weeks now and they have XXXX customer service people who know nothing. XXXX has no procedure for handling a dispute. I finally got Wells Fargo ( who partners with this card ) as the owner to assist yesterday but XXXX unsure if anyone is really owning this and trying to assist me. I have proof of all statements including my bank statements that show my payment to XXXX. I canceled my card last XXXX when fraudulent charges were made that they approved even though as soon as I received a text asking Did you just use your XXXX XXXX at hotel in XXXX XXXX XX/XX/XXXX of XXXX? I phoned them immediately to tell them I didnt use the card. They still posted them to my account so I had to file a dispute and ask for proof with my signature at the hotels. There were XXXX charges and XXXX were at hotels. They took XXXX months but finally corrected their mistake. This was after they rescinded my mortgage in XX/XX/XXXX and never notified me. I demand they give me the XXXX and late fee charges of {$68.00} for each month since XX/XX/XXXX. They refuse to send me a list of transactions or evidence as to why they rescinded my mortgage payment. I even sent them the relevant statement for XX/XX/XXXX yet they refuse to engage and refuse to assist me. There are thousands of complaints against this crooked card. MY NAME IS 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