vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I dont know what is going on and why this showing up on my report I would like this permanently removed and wish for this not to happen again thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I dont know what is going on and why this showing up on my report I would like this permanently removed and wish for this not to happen again thanks.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, XXXX XXXX Apparently someone was trying to rent housing in XXXX  Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

XXXX other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

XXXX was a resident XXXX XX/XX/XXXX, the other was XX/XX/XXXX by the same 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 explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX a company XXXX  made a hard pull on my credit. Their information was provided as such : XXXX XXXX Location XXXX XXXX XXXX XXXX OH XXXX Apparently someone was trying to rent housing in Florida Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

Two other previous dates, there were hard inquires for Renting. Iv owned my own home since XXXX XXXX 

One was a resident verifiy XX/XX/XXXX, the other was XX/XX/XXXX by the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to Experian about multiple inaccuracies on my credit report. They received my complaint on XX/XX/XXXX and responded that the information appearing on my credit report was verified. I believe this to be untrue because XXXX and XXXX both display different information from Experian. 

XXXX acknowledged the information was inaccurate on my report and XXXX removed all of the inaccurate information. My credit report as of XX/XX/XXXX has the same inaccuracies from XX/XX/XXXX. Experian did not take the necessary steps to verify my credit profile contained accurate information nor did they remove it per my request. 

According to 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Also according to 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
Inaccurate Inquires on my credit report XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/2022 XXXX  XXXX ( Bank ) XXXX XXXX, 2022

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

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 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
There is a collection on my credit report from XXXX XXXX, with an address attached to the collection that does not belong to me. I have contacted XXXX XXXX and informed them that I am a victim of Identity Theft. Below are the account number and also the amount that was placed on my credit file. Thank you for your prompt attention to this matter Account Number Account XXXX Amount on credit reports ( Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX below is the letter I have sent in certified to XXXX XXXX Account XXXX XXXX XXXX Fraud Department To whom it may concern. I have received notification that a negative account has been reported to my credit file, this account does not belong to me I was recentlv a victim of fraud and the address for this account is and has never been a place of residency for myself, I have attached a copy of the police report filed for your review Please remove this negative account from all three bureaus XXXX, XXXX, XXXX Thank you for your time and consideration in regards to this matter XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
ACCOUNT # XXXX & XXXX So, SEE ATTACHED MESS UP LETTER SENT US DATED XX/XX/XXXX ACCOUNT ENDING in XXXX that we do not have or have had. We have written letters on XX/XX/XXXX, XXXX, XXXX all of these regarding a fraud email we reported on email for card # XXXX XX/XX/XXXX XXXX  XXXX  XXXX  {$79.00} and then we received email dated XX/XX/XXXX that a new card for account # XXXX was on the way and then again, another email for new card stating it is on the way XX/XX/XXXX for account # XXXX. To date nothing has arrived for a new card. 
However, we did get a letter dated XXXX XXXX for account XXXX closed we dont have. So, these recent issues have all been caused apparently by your company and nothing has been addressed on original issue this time. We have communicated on accounts we do have. We have not had any communication from Capital One on all the letters sent above and apparently you are trying to reach someone else on there account since this is not our account. 
We would like the original issues addressed ( which have never been ) as stated in our most recent letter dated XX/XX/XXXX in writing ONLY ( so that we have records ) since you have obviously, can not apply payments correctly or fix the issue of the fraud emails we reported either since now you have another account for us that we do no have. We are very limited on our time as we work full time, we help out on XXXX farms that we have over XXXX cattle to care for as well as all the chores associated with this at this time year. 
So, your immediate correction to our account and reading our requests would be most helpful. We only have this one credit card we have stated previously in writing what we expect. This issue was caused by a scammer that we tried to report and your mishandling of this issue as well as obviously posting on our account. As you can see, we are the ones that sent the issues in first place so obviously you are confused on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX account number XXXX has reported to Credit Bureaus ( Experian ) a debt in the amount of XXXX XXXX XXXX XXXX and XXXX Dollars as it states on my credit report, I did not receive any initial communication from XXXX XXXX XXXX, I do not know nor have any business with XXXX XXXX XXXX, XXXX XXXX XXXX failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a business checking account with Chase back in XXXX. They told me the account isn't active and needed me to call them. I didn't call them and thought the account was not open, until I found out they charged me {$15.00} fee and resulted in overdraft. 

So I paid the fee to them. But later I found out they used this overdraft to decline my credit card application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am executor of my Moms estate. I deposited the funds ( around {$250.00} k ) in a Wells Fargo checking account. I am trying to distribute to heirs. WF will not allow more than {$75.00} k to be transferred per month. They are illegally retaining the estates assets. I have discussed with them. They refuse to allow larger transfers.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I dont know what is going on and why this showing up on my report I would like this permanently removed and wish for this not to happen again thanks.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Over the last several months, I have disputed XXXX claims on my credit report. I have the receipt to show XXXX is paid off and a detailed record of the billing from the XXXX nd disputed report that clearly shows the amount is not accurate. I have submitted these to experian, I have been allowed to speak to them once and provided a direct email address to send the information too. When I send a receipt showing paid in full, and they continue ue to say it is not paid and hasn't been as the result of their " investigation '' and the detailed billing showing, with out any question regardless if the company 's own billing information is correct, simply responded with their investigation concluding " the other party s swears that they are representing a company and that they swear the bill is accurate ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This account reported me in XXXX I called that company to be able to solve the problem which reports me wrongly in my credit report since it does not appear in XXXX or in XXXX 

I called experian and they suggested that I file a complaint with you so that it can be resolved directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: GA

Complaint narrative:
I was contacted by Capital Asset Recovery dba Jacobson & Wright in XX/XX/XXXX regarding an alleged account that I owe to XXXX via phone for an amount of approximately XXXX XXXX. I asked Capital Asset Recovery dba Jacobson & Wright to provide validation of debt and they have not done do. They have continued to email me at work and also contact my family via their cell phones. I do not owe any debt to Capital Asset Recovery dba Jacobson & Wright and never had an account with XXXX in the amount of XXXX XXXX There is an account on my Credit Report from XXXX, from XXXX, that has been Charged Off in an amount of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I checked my credit report to find several debts that I never even heard of. Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them and asked for proof of how they came to have this alleged debt. what they sent me was nothing I asked for to properly verify this alleged debt. After my own research, I am fully under the impression they are a scam company after reading reviews from ex-employees on XXXX and other victims of this company. I would also like to make a point that after sending these letters to the company and demanding they send me real and legitimate proof, I have also been receiving calls from " XXXX XXXX XXXX '' saying I signed up for them, also a lie. I speculate that since they couldn't scam me into paying for a debt that was not mine they started using a third-party company to further harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Fraudulent Charges : XX/XX/XXXX and XXXX of XXXX there were a series of 4 charges made in California ( CA ) on my credit card. I called USAA, disputed that charges as I live in New York and was in NY when the charges took place. They were promptly removed from my account. 

Whole Foods - {$29.00} Whole Foods - {$68.00} XXXX - {$6.00} XXXX - {$11.00} Fraudulent Charges Reinstated : XXXX of XXXX the charges reappeared and after calling, I was informed that an investigation took place and based on login activity on my USAA banking app, my IP address showed me in California. This is a flawed method, as I use a Virtual Private Network ( VPN ) that masks my IP address and routes it through other servers ( which will make me appear to be in different locations such as California ). 

Attempts to resolve : I've since called in to USAA on 10 separate occasions. There have been 4 different dispute tickets filed by a member of their Member Resolution Team ( XXXX ) which were supposed to review documentation I provided proving I was in New York, not California ( other credit card statements showing NYC transactions and Google Maps history ). Each time the member of the fraud team states that IP address data shows I was in California and thus the determination that " the member '' ( me ) is liable for the charges. 

Documents provided to USAA ( Proof of me in New York ) : - Proof of XXXX - XX/XX/XXXX XXXX Statement ( XX/XX/XXXX charges ) .pdf - shows transactions from my Chase account for New York restaurantsXXXX public transit ( XXXX  ), etc on XX/XX/XXXX and XXXX of XXXX ( the dates USAA claims I was in California XXXX. 
- Proof of XXXX - XXXX - Screenshot of my XXXX Maps data from XX/XX/XXXX which show me traversing XXXX.

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