vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: WV

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name ( XXXXXXXX XXXX ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt 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 2024-10-22 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: VA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2024-10-22 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: NJ

Complaint narrative:
I received a credit monitoring alert today, Tuesday XX/XX/year> that I have a credit inquiry from : XXXX. 

I did not apply for nor authorized this company to pull and access 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 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My husband opened an account with Wells Fargo I believe it was XX/XX/XXXX, XXXX XXXX. He advised me that he opened the account to deposit his share of his settlement/proceeds check. See attached check issued by XXXX XXXX XXXX, XXXX. They paid XXXX XXXX {$12000.00}, check XXXX XXXX on XXXX XXXX. 
My question to you, Can you please tell me if you see a wire transfer in XXXX XXXX Wells Fargo Account. The reason I ask this of you is because whatever amount of money XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have received the same and I am missing my wire transfer and I dont know who stole it but somebody stole it along with my license, cell phones, email addresses, earnest deposits, etc.

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 2024-10-22 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal LXXXX account opened at XXXX, XX/XX/year> account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Locked out of my Equifax credit file online. Received error message to contact Equifax where I was told, after verifying all my information with customer service representative, I was told I have to provide a photo ID. This is in violation to 15 U.S. Code 1681a ( k ) 1 ( b ) iv ( 1 ). After filing a dispute with CFPB my online account was locked by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: IL

Complaint narrative:
I was absolutely stunned this morning to discover inaccurate accounts on my credit report, with no clue as to why they're there. I routinely check my credit report, and everything had been fine until now. I thought it might be a technical glitch and refreshed my browser, but the wrong accounts didnt disappear. Im asking for a thorough review of the documents Ive sent so I dont have to deal with this stress any longer.

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 2024-10-22 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: LA

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 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 2024-10-22 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:
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 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 2024-10-22 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: GA

Complaint narrative:
I'm not sure when these accounts were added to my credit reports but I noticed a couple weeks ago its been years since Ive applied for any credit. I've faced a few financial difficulties over the last few years and I reached my limit with savings. I have to get a line of credit or a loan of some kind to help me through this post Pandemic and high inflation time I'm in. I always check my reports before applying for any kind of credit or loans because Ive been surprised in the past with what was reporting on my credit reports. Here we are again with sooo many accounts not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reach out to Transunion, XXXX and XXXX on my behalf because all of these accounts show on what they're reporting in some way.

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 2024-10-22 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:
I'm not sure when these accounts were added to my credit reports but I noticed a couple weeks ago its been years since Ive applied for any credit. I've faced a few financial difficulties over the last few years and I reached my limit with savings. I have to get a line of credit or a loan of some kind to help me through this post Pandemic and high inflation time I'm in. I always check my reports before applying for any kind of credit or loans because Ive been surprised in the past with what was reporting on my credit reports. Here we are again with sooo many accounts not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please reach out to XXXX, XXXX and Experian on my behalf because all of these accounts show on what they're reporting in some way.

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 2024-10-22 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: IL

Complaint narrative:
This morning, I was stunned to see inaccurate accounts on my credit report and have no clue how they got there. I check my credit report regularly, but today I found errors that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the wrong accounts stayed there. I'm really hoping that the documents Ive submitted are carefully reviewed, so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: TX

Complaint narrative:
When I first opened my account with Discover it was strictly to save. And I put my {$6000.00} savings here thinking I could trust this bank. Then a few months later I check my balance and see my entire savings is depleted. Without me receiving any warnings or notifications about the purchases being made. So then I go through my banking app to whats going on and figure out why. My card information was someone confiscated or stolen online and a merchant by the name of XXXX was charging my account for {$99.00} multiple times a day never over that amount I guess not to raise suspicion. And over a few days my entire account was wiped without me knowing a thing. So I contacted discover immediately and they claim they are so sorry about this and opened a dispute for me supposedly that totaled around {$6200.00} or so for all of the charges. Then literally a few days later I call them because Im worried obviously and they tell me my claim had already been closed and posted as authorized not in my favor, I kid you not this was in 3-4 business days max. I felt no effort was put into an obvious scam of unauthorized charges on my account so I reached out to a supervisor. He said he was able to get the claim re opened someone and looked at again successfully and said they would even provide provisional credit within 10 business days if they needed more time which was very good to hear because I told him I have bills and this was my entire savings. So 10 business days pass, and I see no provisional credit nor any claim updates and every time I give them a call they give me the run arounds trying to extend the provisional credit date back further and further and even saying its no guarantee I will even get the provisional credit anymore and that their team is working on it. I even asked for my claim number and the guy told me he wasnt allowed to provide it to me because thats for their internal team to use only. So I feel like Im being bullied and not helped or even cared about at this point. This is my first and only claim I have ever filed with them so hopefully you guys can get them to re open it and get my funds back for all of this even though they wont give me my own freaking claim number. My name is XXXX XXXX XXXX XXXX & my date of birth is XX/XX/2001 & my social security number is XXXX & my address is XXXX XXXX XXXX XXXX TX XXXX. I will also include the screenshots of all of the clear fraudulent purchases below. Oh and somehow they were able to permanently credit {$40.00} from the same fliff merchant to my balance the same day I opened the claim as seen below as well but wouldnt work to get the rest back I think they just dont care about me as a customer and are to lazy to do my claim properly because of the amount of charges. I hope I am helped here and that they dont get away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: NV

Complaint narrative:
am writing to formally report that TransUnion has not complied with the Fair Credit Reporting Act concerning an account that was placed on my credit report due to identity theft. 

I provided TransUnion with all requested documentation, including my FTC report and a police report, demonstrating that the account from XXXX XXXX XXXX is fraudulent. Despite this, the account was initially removed from my credit report on XX/XX/year>, only to be reinstated shortly thereafter. 

This action is in direct violation of the Fair Credit Reporting Act, as I have already shown that this account is a result of identity theft. Both XXXX and XXXX have already removed this fraudulent account from my reports, confirming that it does not belong to me. 

I demand that TransUnion immediately remove this item from my credit report and take appropriate measures to ensure compliance with the Fair Credit Reporting Act.

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 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
I made a wire transfer from my XXXXXXXX XXXX account to the Fifth Third Bank account on XXXX XXXX for {$4000.00}. The transaction processed correctly. On XX/XX/year>, Fifth Third Account put a hold for {$4000.00} on my account saying that the transaction was not funded by XXXX. 

I contacted XXXXXXXX XXXX, and they mentioned that the funds have been sent to Fifth Third Bank. They still opened up a dispute and launched a trace of the funds. XXXX XXXX said that the funds have properly been released to Fifth Third Bank. I spoke again to the Fifth Third Bank 10 days later, on XX/XX/year>. They said that they need a letter from XXXX giving them an " invoice '' for {$4000.00}. XXXX sent Fifth Third multiple letters, I also send Fifth Third Bank multiple letters from XXXX showing a {$4000.00} debit from my XXXXXXXX XXXX 

It's been more than XXXX days and I still do not have access to my money. Fifth Third Bank is not cooperating and have been holding my money for no reason. I have spoken to countless customer agents from Fifth Third Bank and have even spoken to branch managers about it. To date there has been no resolution from Fifth Third Bank. 

XXXXXXXX XXXX  has been cooperative and have asked Fifth Third about exactly what kind of information they need for this transaction, and what do they need to release this hold on my funds. Fifth Third has not responded to XXXX XXXX either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
Carolina Finance LLC by XXXX XXXX XXXX XXXXXXXX, of XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, led me to believe that I had cosigned for a car for XXXX XXXX XXXX and garnished my wages from my employer from XX/XX/XXXX through XX/XX/XXXX as well as unsuccessful attempts by my attorney XXXX XXXX XXXX to collect this reimbursement in XXXX through XX/XX/XXXX, and as of XX/XX/XXXX, Carolina Finance LLC nor XXXX XXXX XXXX have not reimbursed my money {$4300.00}, plus {$240.00} in Legal fees, for a total of {$4500.00}. 
The Unfair Credit Reporting and Collections your Company and the unethical legal practices your Company and Law Firm participated in, including obtaining money via payroll garnishment and collections, that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This company is reporting false information. I have sent them a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this time immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX - Account # : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate and Incomplete Credit Reporting Request for Removal of Specific Accounts I am filing this complaint due to ongoing inaccuracies and inconsistencies in my credit reports across the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). I have submitted multiple disputes regarding these issues, and although the agencies claim to have conducted investigations, they have not made any corrections. 

My reports contain discrepancies, with different accounts appearing on each one, and many errors still present despite my efforts to have them corrected. I even took legal action to obtain a court order and the title for my vehicle, which is fully paid off, yet the loan still shows up as unpaid on my credit report. 

Due to the failure of the credit reporting agencies to conduct a proper investigation, I demand the immediate removal of the following inaccurate accounts from my 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 The agencies ' failure to correct these errors and discrepancies has had a significant negative impact on my financial well-being. I request immediate action from the CFPB to hold the credit reporting agencies accountable and ensure that these inaccuracies are removed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief