vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/year> and alerted them of the unknown accounts and requested verification. 

Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 

I thoroughly investigated the accounts with XXXX XXXX XXXX XXXX XXXX are not my accounts and are not verifiable. 

Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2,

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 2024-02-15 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: TX

Complaint narrative:
I attached letter documents that show account and dates of the fraudulent accounts that are showing 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 non-monetary relief
Consumer complaint received 2024-02-15 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:
I attached letter documents that show account and dates of the fraudulent accounts that are showing 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 non-monetary relief
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I am writing to provide an explanation regarding the denial of my recent rental application. The reason cited for the denial, namely the presence of inaccurate and fraudulent accounts on my credit report, stems from unfortunate circumstances beyond my control. I am a victim of identity theft, and the false and invalid information on my credit report is adversely affecting my ability to secure housing. 

As a diligent and responsible individual, I understand the importance of maintaining good credit and financial integrity. However, despite my efforts to manage my finances prudently, I have become ensnared in a distressing situation involving identity theft. This criminal activity has resulted in the unauthorized opening of accounts and fraudulent transactions in my name, thereby tarnishing my credit history and undermining my credibility as a prospective tenant. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers are entitled to accurate and up-to-date credit reports, free from errors and fraudulent entries. Unfortunately, the presence of fraudulent accounts on my credit report has created a significant obstacle in my pursuit of suitable housing. The inaccurate portrayal of my creditworthiness due to identity theft is unjust and unfair, and it is impeding my ability to secure housing accommodations. 

I am taking proactive steps to address the repercussions of identity theft and rectify the erroneous information on my credit report. I have filed identity theft reports with the appropriate authorities and have initiated disputes with the credit reporting agencies to correct the inaccuracies. However, the resolution of these disputes have taken quite some time, and if you can understand the urgency of securing housing in the interim, it's greatly appreciated.

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 2024-02-15 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: CA

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 explanation
Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
I have requested that Experian to delete this inaccurate address from my records, but they consistently offer the same reasoning, which is no longer acceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023

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 2024-02-15 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: PA

Complaint narrative:
On XX/XX/XXXX, a fraudulent XXXX credit card was opened in my name. As soon as I saw the hard inquiry on my credit report, I called XXXX, and all of the credit bureaus. I filed a dispute. It was found to be fraud. XXXX said they sent all of the information to the credit bureaus. XXXX then removed the fraudulent hard inquiry from my credit report. As of today, XX/XX/XXXX, Trans Union still had not removed the inquiry from my credit report, claiming they never received the documentation from XXXX. I called XXXX and they confirmed they sent the information months ago. I want Trans Union to take the fraudulent inquiry off of my credit report. When I spoke to Trans Union today, they were not helpful, they told me they never received anything from XXXX and therefore cant take anything off of 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 2024-02-15 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:
I attached letter documents that show account and dates of the fraudulent accounts that are showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY XXXX sent me a pre-approved credit offer in a letter based on my current credit score. I am trying to fix my credit and have gotten my score up so I responded. They mislead me to think I had already been approved for the credit card and so I scanned the QR code, then got a rejection for this card and the credit reporting bureau dropped my credit score by XXXX points throwing me back to a bad status. 

I am trying to fix my credit and Ally deliberately hurt my efforts in doing so. I can not reach anyone at Ally to stop this false advertising.

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 2024-02-15 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: LA

Complaint narrative:
On XX/XX/2024, I certified mailed documents to XXXX, XXXX, and Transunion credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a XXXX ( XXXX ) bureau credit report, and a copy of FCRA section 605B. Section 605B requires the above mentioned agencies, to remove the fraudulent items from my credit report within four ( 4 ) business days. 
The documents were received on XX/XX/2024. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

Transunion received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, XXXX, XXXX nor Transunion has removed the fraudulent items from 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 non-monetary relief
Consumer complaint received 2024-02-15 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: LA

Complaint narrative:
On XX/XX/2024, I certified mailed documents to Experian, XXXX, and XXXX credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a three ( 3 ) bureau credit report, and a copy of FCRA section 605B. Section 605B requires the above mentioned agencies, to remove the fraudulent items from my credit report within four ( 4 ) business days. 
The documents were received on XX/XX/2024. 

Experian received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, Experian, XXXX nor XXXX has removed the fraudulent items from 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 non-monetary relief
Consumer complaint received 2024-02-15 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: EQUIFAX, INC.
State: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and unverified accounts that need reporting and correction through your company.

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 2024-02-15 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: VA

Complaint narrative:
I noticed an unauthorized inquiry from Net Credit bank on XX/XX/XXXX I called both Transunion and XXXX XXXX. I submitted my police report and ID. I called XXXX weeks later and XXXX XXXX is telling me it should be removed they let Transunion know but Transunion says they never got a letter from them.

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 2024-02-15 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: GA

Complaint narrative:
I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting 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 explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
Last year several unauthorized lines were added to my cellular account with XXXX XXXX XXXX. I contacted their fraud department via an online portal and the lines were removed, but they didnt remove the charges, which totalled {$13000.00}. I followed up regularly with XXXX XXXX XXXX and was told repeatedly that the balance would be taken care of. In XX/XX/2023 I received a notice that the balance had been sent to a collection agency, Sunrise Credit Services. I contacted them and filed a dispute because the charges were the result of identity theft. At no time did they provide anything in writing. XXXX XXXX XXXX credited back {$11000.00} in XXXX but left a balance due of {$1600.00}. I requested a statement showing what these charges represent because I shouldnt owe anything due to the fraud. They will not send me anything in writing after repeated requests. This has now hit my credit report and my credit score has taken a hit, from around XXXX down to XXXX. Can you help?

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 2024-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX out of my checking account. Next, I paid XXXX again on XX/XX/XXXX in the amount XXXX from my debit card. I filed a dispute with WellsFargo to get my overpayment. Wells Fargo honored the request. They say the transaction and refunded me XXXX. It should have been over at that point. I was made hole. 
XX/XX/XXXX check XXXX Paid in full XX/XX/XXXX Debit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX credit XXXX XX/XX/XXXX credit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX credit XXXX XXXX debit XXXX ref # XXXX and XXXX - They want to open another claim. I refuse because they don't really understand their own procedure. The first claim XXXX was closed in error by the agent. Prompting her to open the second claim XXXX. 

I have called several time to clear up this simple transaction. It is a mess. As you can see I have been debited 5 times and only credit XXXX. Plus the check has been paid in full. XXXX has removed the XXXX from the account. Monday XX/XX/XXXX when I called the representative stated it was over 120 days and I will receive my funds back. As of today XX/XX/XXXX this has not happen. So I called, only to be told they have an additional day to think about this transaction. I was also told that the XXXX was debited my account accurately by one agent. Another said he did not understand because it should have been a credit and they debited it instead of credit. I have been told by the Executive Team that this was clear ( XX/XX/XXXX ). I would not be charged anymore, hence you not seeing a transaction for XX/XX/XXXX. 

I want my XXXX refunded. I want to close this account. Wells Fargo is no longer competent to handle banking transaction. They made this mess and they can not seem to understand their own mess. More qualified personnel need to be hired. Not degree individual but qualified. They should be able to read debit and credits. Please assist me in getting my money back and closing this account. I have lost confidence in WellsFargo. Their banking practice 's should be audited for accuracy.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SF VAGO, LLC
State: NM

Complaint narrative:
I have tried to rectify this with EMLVP LLC/XXXX  as well as the credit bureaus XXXXumerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/XXXX - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and EMVLP took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on Repo laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase of {$88.00} on XX/XX/XXXX. Typically autopay is enabled, but this did not go through. I did not receive email or mail notices that there was a delinquent payment for the next 2 months. I was then charged the following without notice : XX/XX/XXXX - {$30.00} late fee XX/XX/XXXX - {$2.00} interest XX/XX/XXXX - {$41.00} late fee XX/XX/XXXX - {$3.00} I did not receive any notices of these late fees, no indication that autopay was not processing, or any notices that I was delinquent. 

On XX/XX/XXXX I received a notice from XXXX that my credit rating had changed from XXXX to XXXX and discovered it was because of this issue. 

Today, XX/XX/XXXX, I called Synchrony to complain. They removed the {$41.00} late fee but say there is nothing they can do about the credit reporting. 

My complaint is : Synchrony does not properly notify customers of account problems ( autopay, late fees, late payments ) Synchrony charged late fees that are dramatically disproportionate to the actual charges Synchrony does not provide tools to properly manage the account ( no option to setup autopay or change notifications )

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