vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
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 non-monetary relief
Consumer complaint received 2024-08-22 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-08-22 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: NY

Complaint narrative:
I implore you to take swift action to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I applied for a sublet to an apartment in XXXX XXXX. After applying, we were approved for the apartment and told we must submit the first month 's rent within XXXX hours. At that time we used Wise to send {$2500.00} on XX/XX/year>. On XX/XX/XXXX we were asked to submit a security deposit of {$960.00}. Which was completed and sent through Wise on XX/XX/year>. Shortly after this, the original tenant on the lease started asking my fianc for money. We became suspicious and reached back out multiple times to management about our move-in process. After a follow-up email on XX/XX/year> they replied " The building burnt. '' The scammer has now blocked us from contacting him. We have submitted claims with the bank, the FTC and now CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I signed a lease with XXXX on XX/XX/year> for a XXXX apartment. The apartment was infested with bugs. I complained to XXXX XXXX immediately. XXXX moved me to a XXXX bedroom. 

Maintenance men, entered my apartment without knocking or without my knowing that they were coming XXXX times. I emailed about the issue to no avail. I was XXXX on XXXX of the occasions. Also, I have a teenage daughter and decided to move my daughter with her father until I moved from the apartment due to the strange men constantly entering my apartment regularly. 

Upon moving into the two-bedroom apartment on XX/XX/year>, I noticed that the doorknob and lock on the security door located right outside of my apartment were broken. I submitted a maintenance request to have the doors lock repaired immediately ( as I would be living there alone as a single woman with my teenage daughter ). 

Maintenance came to fix the lock and doorknob ; however, Maintenance did not properly fix the issue. Someone broke into the door at least XXXX times from the time I moved into apartment on XX/XX/year> to XX/XX/year> when I moved out. The security door was never fixed properly and was in disrepair even up until the time that I moved. I submitted multiple work orders for the security door repair. 


There were piles of dog XXXX everywhere in the surrounding areas of my apartment. I stepped in dog XXXX in my expensive XXXX boots. My XXXX daughter could not practice her volleyball, and my golden doodle ( dog ) got sick from other dog 's XXXX. I did email management to no avail. 

I do not feel that I should have to pay the early termination fee. I had bought a vacant lot located at XXXX XXXX XXXX, Wyoming, MI XXXX, it was my intention to stay at the apartment in XXXX while I got a home built on the vacant lot. However, I ended up buying a home somewhere else and moved earlier than expected due to the conditions of the apartment community. I was never late on my rent. I paid the rent ahead and I would not have moved before XXXX months if the conditions were safe and habitable. 

I disputed the early termination fee by contacting XXXXXXXX XXXX I filed a complaint with the XXXX XXXX XXXX ( XXXX never responded ). I also filed a complaint with the Attorney General 's office to no avail due to XXXX not responding. XXXX sent the balance to a collection agency immediately, they refused to compromise even though they have proof from pictures and emails about the conditions. 

Please assist me with any information available to remove the early termination fees due to the living conditions. I have attached pictures, emails, screenshot of maintence requests, email to XXXXXXXX XXXX  - disputing the early lease termination fees and the complaints to XXXX and the Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was charged XXXX dollars by XXXX XXXX, a gym which I have never had a membership for. When I disputed this charge with Wells Fargo because it is not my charge they denied my claim. However just by calling trufusion myself they stated they have no record of any membership under my name nor do they have record of this transaction at all in their systems. They stated they would refund me however they were unable to make the refund without finding the transaction. I have asked them to speak with my bank to which they agreed however Wells Fargo is refusing my claim stating their investigation showed no fraud. When I asked what investigation took place and what information made them come to this conclusion when just by simply contacting this company they would have agreed I shouldnt have been charged they stated they dont contact the merchant all of the time which really angers me because my bank is not providing what it should which is security. It makes me feel my account is unsafe if they cant solve this level of fraud I really dont trust them if someone takes a larger amount or is able to access any of your personal info. Now when I called them back the are stating I can not reopen the claim or start a new one and that the decision to not refund the money that was stolen from me is final. They are basically telling me I have no recourse because after their lousy investigation which doesnt even simply involve calling the merchant found no fraud. Also based on the timeline they didnt even give a full 2 days to investigate. I dont have XXXX dollars just to throw out the window. They expect that XXXX supposed to just accept my money being stolen from my BANK??! I want my money back immediately my bank account is supposed to be insured against fraud and I am entitled to my money back.

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 2024-08-22 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: MD

Complaint narrative:
I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY 1 OR 2 LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly.

Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.

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 2024-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX : Balance : {$12000.00} Account Name : XXXX # XXXX : Balance : {$870.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: SC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than XXXX business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>

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 2024-08-22 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: SC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than XXXX business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Full complete and correct social security number to help identify me as the correct person you are trying to collect from XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
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 2024-08-22 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: NY

Complaint narrative:
I implore you to take swift action to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2024-08-22 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt XXXX for any debt. Please provide proof from the original creditors that these debt XXXX own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your cooperation.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Traveled to XXXX XXXX for vacation. Paid with my visa credit card for a drink. Was told it was {$25.00}. The charge ended up over {$660.00} dollars. Filed a dispute with chase and chase rebilled it to my account 3 months later.

Company response to consumer: Closed with explanation