vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a copy of my drivers license, social security card and my light bill. And they Wont change it to my correct name and address. They are violating my rights 15 U.S.C. 1681i and 15 U.S.C. 1681e. I tried dispute online and mail and no positive result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I wrote a check on XX/XX/2024, the check was never received by the law firm. I called on XX/XX/2024 to cancel the check for my business checking account. I was told I had to call every 6 mos indefinetly for the rest of my life since the stop payment expires every 6 months. So if this check is never found, I will have to call every 6 months for a stop payment. This is excessive and the stop payment should be honored indefinetly.

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 2024-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
This item collections account at HUNTER WARFIELD for the amount of {$4.00} is inaccurate because the debt assigned was improperly sent to collections under my name ( on XX/XX/2022 ) and does not belong to myself. The debt was sold to the HUNTER WARFIELD collections agency by XXXX XXXX XXXX without legal notice and/ or verification of debt to myself. I have requested verification of the debt from the collections agency several times and am always sent a bill as a reply. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt I am accused of owing. I have requested verification of the dead on several occasions, both by phone and via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
the addresses on my credit report are not my addresses these addesses is not mailable # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX, XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX il XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2024-03-14 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: NV

Complaint narrative:
I have asked repeatedly that an account by the name of " XXXX XXXX  '' which has been sold to " XXXX XXXX XXXX XXXX '' which now has a balance of XXXX is showing on my credit report. I have advised XXXX this account does not belong to me and it was noted based on communication from XXXX that this account has been " blocked '' or deleted from my credit report however I am still seeing this account showing on my credit report as of XX/XX/2024. Again I ask that this account which does not belong to me is removed from my credit report. This inaccurate reporting has hindered me from being able to obtain credit. Previously I have uploaded a police report and ID theft report I am hoping you all still have that for your record. 

Here is the response below from a previous complaint " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you the documents you provided were incomplete and included a XXXX affidavit for you to complete and return. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. In response to your dispute request, we sent you a letter to inform you the information is not currently on your XXXX credit report and included instructions on how to obtain a credit report. The dispute investigation ( s ) that were initiated for the following account ( s ) and/or public record ( s ) have been cancelled at your request : ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This has been a XXXX  year ordeal dealing with credit bureaus I have tried numerous times requesting Equifax, XXXX XXXX, and XXXX to update their database because my profile has numerous inaccuracies and they still have not been able to provided a fully detailed credit report with the corrections I requested. I demand that ALL negative remarks be removed from my credit report ASAP. This is a violation of my rights under 15 USC 1681a ( d ) ( 1 ). If this matter is not rectified I will be forced to file a Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not authorize these inquiries and have serious doubts about their legitimacy. I request a thorough investigation and immediate removal from 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 2024-03-14 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX ASH XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX and XXXX  XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; Inquiries : 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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized actions taken by bank of Montreal also known as BMO regarding my account. On XX/XX/2024, I took the decision to close my account, ensuring that all funds were withdrawn and no further transactions were authorized. However, to my dismay, on XX/XX/2024, I discovered that my account had been inexplicably reopened without my consent or authorization. 

This unauthorized reopening of my account led to subsequent transactions being allowed to go through, resulting in the account being overdrawn. As a result, I have incurred significant overdraft fees, which I firmly believe I should not be responsible for, as I had taken the necessary steps to close the account and cease all activity.

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 2024-03-14 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: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NC

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE FOR INREGARDS TO A FRAUDULENT ACCOUNT BEING FURNISHED TO MY PROFILE. I'VE CONTACTED THE CREDIT REPORTING AGENCIES IN REGARDS TO XXXX XXXX ACCOUNT THAT I HAVE NO AFFILIATION AND NO KNOWLEDGE OF STILL SHOWING ON MY CREDIT REPORT, IN TWO RECENT CORRESPONDENCES I REQUESTED THE ACCOUNT BE VERIFIED AND THE ACCOUNT IS UNVERIFIED. 

THIS ACCOUNT NEEDS TO BE REMOVED. FURNISHING AN ACCOUNT IN DIRECT RESULT OF IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-14 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: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-14 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: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-14 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX and 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 2024-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I ordered some items from XXXX on my navy federal debit card ending in XXXX the items was pending on both days and my bank confirmed to seeing the money in the account and placing it on hold for the vendor to collect the funds. So the vendor which is XXXX collected the funds on XX/XX/XXXX and was paid and settled and delivered all my items to me on the XXXX and prior to the XXXX. Then on Monday XX/XX/XXXX my bank account navy federal took out of my savings account both transactions for {$190.00} and {$460.00} for the XXXX items that was paid and settled on the XXXX. Then they proceeded to say XXXX never came and got the funds in time before processing so they returned the funds to me but only returned {$400.00} when my items was {$460.00} and {$190.00}. Then XXXX stated I got charged twice for the items and my bank charged me for the authorization fees and my bank stated they never charge members for authorization that XXXX took the money so Ive been back and forth with both XXXX and my bank for 3 days now and neither parties want to take responsibility for taking money out of my savings account to cover something that was already paid for and settled on the XXXX. Both parties refused to return funds and they have caused me emotional distress and lost of wages because I missed work trying to get this situated bc they took from my bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to these inquiries and strongly suspect foul play. I urge you to conduct a thorough investigation and expeditiously remove them from 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 non-monetary relief
Consumer complaint received 2024-03-14 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: OR

Complaint narrative:
I reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. Thank you

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 2024-03-14 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: IL

Complaint narrative:
It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some 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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-14 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : 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