vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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 am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the XXXX shows the letter was delivered on XX/XX/XXXX. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX Account XXXX Account type : Business Card Responsibility : Joint Date opened : XX/XX/XXXX Status : Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX XXXX : Individual Date opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type : XXXX XXXX  Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$35.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$35000.00} XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX Responsibility : Individual Date opened : XX/XX/XXXX Status ; Account charged off. {$20.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$10000.00} Balance updated : XX/XX/XXXX Recent payment : {$2100.00} as of XX/XX/XXXX XXXX XXXX AUTO Account number : XXXX Account type : XXXX XXXX XXXX : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$6000.00} Balance updated : XX/XX/XXXX XXXX XXXX BANK XXXX Account number : XXXX Account type : XXXX XXXX  Responsibility : Individual Date opened : XX/XX/XXXX Status : XXXX Closed. 
XXXX updated : XX/XX/XXXX 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 2024-07-11 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: TX

Complaint narrative:
I am filing this complaint personally regarding my credit record. My review revealed late payment entries. I sent correspondence about this over 30 days ago but have received no response or adequate validation. I seek your help in addressing this issue.

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 2024-07-11 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

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 2024-07-11 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:
Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-11 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-11 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:
I recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-07-11 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/XXXX somebody stole my email and somehow got access to my Wells Fargo bank account. I was at a pool party with my friends and did not touched my phone at all like in XXXX hours. When I got how I was trying to pay my bill phone and my card got declined. The payment went through, but my account was in negatives. It was super weird to me cause I got paid that same day in the morning a total of {$710.00}. I had {$140.00} more besides the money of my paycheck. Total money in my account when I checked it the morning was {$850.00} and some cents. Went I logged in into my account to check what happened to my money, there were XXXX transactions through XXXX. XXXX for {$150.00} and the other for {$700.00}. I immediately panicked because it was my paycheck and I needed that money to pay out my bills. So, I was about to call my boyfriend through XXXX when I noticed I couldnt login. It said somebody had accessed to it. So, I logged in into my email and noticed that somebody changed my password and email from XXXX and made those transactions through XXXX. It was already midnight when I called the XXXX XXXX and Wells Fargo to make a complaint. Days later I got letters from the bank with just my new card and information. Not an answer of what happened to my money. I immediately call and they told me that my complaint had been rejected. This because I had my XXXX ID set up to log in into the bank. With this they can prove that was me who made those XXXX transactions. While all this happened, my instagram account was hacked like I mentioned. They starting posting screenshots of my bank account and other one from cash app even though I dont own one.

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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
During the winter / spring of XXXX, I began receiving calls from Comenity Bank regarding the collection of money. I dismissed the call as a scam and ignored the subsequent calls for months and even blocked the number on my phone as I was receiving calls daily and multiple times a day. In the fall XXXX, my wife told me she received a phone call from Comenity Bank as they were asking for me ; she told me it XXXX be real and that the bank was, in fact, owned money by XXXX XXXX XXXX. She advised I look into it. I did call the Federal Trade Commission XXXX and reported identify theft. I also called the credit bureaus and reported to them about the incident as to not affect my credit rating. I also called Comenity Bank and filed a fraud report with them regarding identify theft. I mistakenly failed to file a police report at that time. The calls stopped and I didn't hear much more about the incident and thought if was resolved. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX and was summoned to court in XXXX XXXX on XX/XX/XXXX. This issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 of 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 2024-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 of 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 explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago but have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.

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 2024-07-11 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: TX

Complaint narrative:
I am submitting this complaint personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago but have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.

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 2024-07-11 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: FL

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
this debt has been canceled and forgiven by XXXX with a 1099c the taxes has been paid the 1099c taxes making this debt paid off canceled and forgiven lvnv funding is reporting a debt that has been canceled and forgiven taxes paid under IRS rules the debt has been cleared there is not debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
this debt has been canceled and forgiven by XXXX with a XXXX the taxes has been paid the XXXX taxes making this debt paid off canceled and forgiven lvnv funding is reporting a debt that has been canceled and forgiven with the taxes paid under IRS rules the debt has been cleared there is not debt this is false reporting of a forgiven debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: VA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my personal vehicle was caught in the flooding in XXXX XXXX. Based upon my last complaint in XXXX and the " emergency, '' state of the flooding I called a tow truck and got my car towed from the flooding location to my home on XX/XX/XXXX for {$350.00} and from my home to the XXXX dealership for repairs when they got power back on XX/XX/XXXX incurring a second {$330.00} towing charge. On XX/XX/XXXX I tried submitting these receipts to Chase for reimbursement and spent XXXX calls extending ~ XXXX minutes each going through every reroute from Chase starting at : ( XXXX ) XXXX ( back of my card ), they routed me to roadside assistance : ( XXXX ) XXXX which is the XXXX party to arrange a tow despite being told I needed to submit receipts for reimbursements charged to the card. From there I was routed to Card Holder Benefits at : ( XXXX ) XXXX which finally provided the site of https : XXXX which requires XXXX ) Policy Number, XXXX ) State of Policy ( which I NOR XXXX HAS OR WAS WILLING TO SHARE ) since my personal car insurance policy is NOT THE APPLICABLE POLICY. 

XXXX fraudulently advertises a benefit for the card and then still over 18 months later has fixed this problem brought to their attention by me in XX/XX/XXXX. 

I have attached both receipts for your review and submission to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Student loan — Private student loan
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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX Services services a private student loan. On multiple occasions between XXXX and XXXX, I have attempted to set up an autodebit schedule eletronically and via mail. Due to a failure of their system, they have reported my account delinquent. I have requested a credit report retraction and the employee was unwilling to escalate my concern to her manager. 

I would like to request a credit report retraction and to pay off the debt in order to avoid further negative reports on my credit.

Company response to consumer: Closed with explanation