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: 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:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX 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 2024-02-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditors ( XXXX XXXX XXXX, Comenity Bank/VCTRSSEC and XXXX and XXXX ) have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 1581 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding that these accounts be updated to Paid as Agreed and Never Late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: UT

Complaint narrative:
Improper reporting on my driving record

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Got involved with company with connections to XXXX XXXX ( as an accredited investor ) for investments. {$5000.00} initially to join and then {>= $1,000,000} to make more money and then an additional {$20000.00} because we were making good money. When I asked for some back, my account was sold out and I received no money and ALL communication with participants stopped. I was out $ XXXX or $ XXXX XXXX.my savings!! 
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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
THIS IS NOT A DUPLICATE. On XX/XX/2024, Enterprise XXXX XXXX and their assignee received a written request for accounting ; request regarding list of collateral or statement of account in accordance with UCC section 9-210 delivered by certified mail return receipt. Pursuant to UCC section 9-210 ( b ) Enterprise XXXX XXXX and their assignee has breach their duty by failing to respond within 14 days of receiving said notice. Pursuant to UCC section 9-625 both Enterprise and their assignee failed to comply with my request which grants remedy due to me. From a maxim of equity perspective, the principle of equity aids the vigilant, not those who slumber on their rights and equity delights in equality I have just rights to fairness and justice.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX reported a false inquiry XX/XX/2022 on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I contacted multiple times to Experian to correct my name and address. But it has not fixed to info which is affecting my credit score. 

Would you mind helping me to correct those info. 

Kind regards, XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I was not receiving bills from Target red card. While reviewing my expenses I noted I missed a payment and contacted the company to send me paper statements. The following month, I again received no bill. I received an email informing me my payment was late. I immediately paid the bill. Target then lowered my credit limit by XXXX resulting in an XXXX point credit score decrease and cited multiple delinquent accounts. I have no missed payments, no delinquent accounts and up until Target fraudulently lowered my credit limit I had a credit score above XXXX. Target is committing credit card predatory lending and fraudulent abuse of credit limits. I am going to pay this card off and close my account but want a complete investigation into their fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TN

Complaint narrative:
I have disputed this account numerous times with Transunion which Transunion has violated so many laws under the FCRA. I am a consumer that should have an accurate credit report. Transunion is reporting an account that is under XXXX XXXXXXXX BANKRUPTCY as OPENED and as an consumer who knows the laws and knows my rights any account that is filed under Bankruptcy should be reported to the credit bureaus as CLOSED. Also, it has the last time that the Bankruptcy court made an payment to them, which is also against the law for a account that under Bankruptcy. By the way I have taken a screenshot of my report which has even in the notes that account is " INCLUDED IN BANKRUPTCY ''. Now that Transunion has made an error on my report it needs to be removed!

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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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: GA

Complaint narrative:
I am distressed that EQUIFAX has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
My account was used to send money to an account under XXXX who is someone I do not know. The bank ruled against me since the transfer was created on my phone, but I do not recall sending this random person money. The amount is {$120.00} and I am not being given the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Contact company regarding account old account statutory limitations expired they do not respond contact company after receiving my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Contact company regarding account old account statutory limitations expired they do not respond contact company after receiving my consumer 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX is a financial institution under the title 15 USC 6801. 15 USC 1681 section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. " XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX '' the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditors ( Upstart Network Inc, XXXX XXXX and XXXX XXXX  XXXX ) have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 1581 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding that these accounts be updated to Paid as Agreed and Never Late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: UT

Complaint narrative:
My income was garnished by Wakefield and Associates, LLC The response provided to the CFPB stated that the creditor XXXX XXXX, placed an account with Wakefield on XX/XX/XXXX XXXX XXXX, and that an initial notice was sent to me that same day. I have never done business with XXXX XXXX and dispute the debt they claim I allegedly owe. I request validation of the alleged debt is provided by Wakefiled and Associates, LLC. ln addition, I never received the notice they claim they sent on XX/XX/XXXX. An XXXX  judge granted me XXXX XXXX  to continue my XXXX  process in my home country of XXXX. I left the country on XX/XX/XXXX. I was out of the country for three years. I have attached the Department of Homeland Security U.S.

Immigration and Customs Enforcement XXXX XXXX and XXXX XXXX XXXX, and the Homeland Verification of Departure, which validates my departure on XX/XX/XXXX. I did not have a US mailing address or property address during that time. Therefore, the statutes of limitations of the alleged debt had passed in the state of Utah, when my funds were garnished as an initial contact was not made. I was also not sent the Writ of Garnishment, which violated my right to appeal the garnishment and appear in court. I became aware of the garnishment until my income was garnished with my employer. I had to contact my employer for them to send me a copy. I have the email with the date stamp as proof. The garnishment amount was {$1800.00}. Please assist in obtaining the documents that validate the alleged debt was owed under my name. I was never contacted by Wakefield and Associates, LLC, have never done business with XXXX XXXX and the garnishment was in violation of the statute of limitations on debt in the State of Utah. I seek a refund of those funds. I have also contacted the State of Utah Office of the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I'm not familiar with this company. I don't recall conducting any business with said company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I looked at my report XXXX 2024, 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. These accounts XXXX XXXX XXXX, XXXX XXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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 I have attached to reflect inaccurate information

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Request for Assistance in Removing Unauthorized Inquiries from XXXX Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving an issue I am currently facing with unauthorized inquiries on my equifax credit report. 
My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX VA XXXX My contact information is XXXX and XXXX I recently reviewed my credit report and discovered several unauthorized inquiries made by equifax. 
These inquiries have negatively impacted my credit score and financial well-being. I believe these inquiries are inaccuracies and do not represent any legitimate business transactions or credit applications initiated by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with 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: IL

Complaint narrative:
I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : 1 High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) | XX/XX/XXXX ( TransUnion )

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: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: EAST WEST BANK
State: NV

Complaint narrative:
After opening a value checking account ending in XXXX from East West bank on XX/XX/24, my needs changed & I attempted to close account unfunded on XX/XX/24. The bank however refused, which leads to obvious motivation to charge monthly {$4.00} fee. I demand account closed effective immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation