vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect

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 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I requested my former spouse be removed from XXXX accounts ( accounts ending in XXXX and XXXX ). I was provided the paperwork on XXXX XXXX to make the requested changes. They were provided to my former spouse 's lawyer, signed, and returned to me. I signed and provided the documents and uploaded them to USAA 's website on XXXX XX/XX/2023 at XXXX. It's been over 30 days and they have not removed her from the account. They claim they are backlogged. I requested a statement saying as much to provide to her lawyer. They will not provide an email or message stating they are backlogged. I have spoken to over 6 different agents on the phone. They give excuses and ask me to call back in a few days. It's been over 30 days for a simple name removal on a checking and savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 an unauthorized individual walked into a Wells Fargo bank branch with my account number and tried to withdraw money. That bank flagged the account and refused the money and called me to tell me what happened. While that was occurring the culprit went to another Wells Fargo branch with the same information and that branch gave them {$2000.00} from my account with the same false information. I then submitted a fraud claim to Wells Fargo to get my money returned and closed the account for safety. The fraud department denied my claim because they said I was in the same State on the same day as the theft. So basically they were accusing me of withdrawing the money and trying to steal from them. I then sent several more appeals, filed a police report and still the fraud department continues to deny my claim with the same reason. Wells Fargo also declined to tell me which branch actually let the withdraw happen and was hiding information from me. I tried escalating the situation as far as I can but they dont care at all to help to me get my money back that was so clearly stolen. I am in the process of filing another police report in the state of Maryland where the theft happened.

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 monetary relief
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report 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 2023-12-22 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:
Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report 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 2023-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 
1022.21 Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, Capital one bank is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

Capital one is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report. 

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. 
See attched credit report for inaccuracies on all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. I want them blocked & removed immediately. XXXX ( Retailer ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX Bank ) XX/XX/2023 XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. 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 2023-12-22 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: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. 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 2023-12-22 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: CA

Complaint narrative:
On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. Experian, XXXX, and XXXX have not responded to my disputes and requests for the account to be removed off 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 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with Experian about XXXX. XXXX XXXX and then XXXX. XXXX XXXX started to add fees to my account every week, every month and every 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 explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a {$200.00} pre-paid American Express giftcard from my office for the holiday season. Every staff member received these the week before XXXX 2023. But I'm finding it incredibly difficult to use this gift card. So far since I activated the card, I've been surprisingly denied small purchases at XXXX, XXXX, and other online retailers and haven't been able to find a retailer that will take this card. American Express 's website and consumer portal says it's " Widely Accepted - More places than ever welcome American Express Gift Cards '' but I'm not finding that's the case. I can't even exchange this general gift card on common online gift card exchanges sites like XXXX cause the pre-paid American Express giftcards are not accepted for security reasons. I called the American Express customer service number listed on their website and also on the back of the giftcard on XX/XX/XXXX and only received the same information as listed on their FAQ and website homepage- which recommended to find a merchant where the giftcard is accepted. There's no option to put in a claim or service request from American Express just a physical mailing address ( American Express Gift Card Customer Care XXXX XXXX XXXX XXXX, GA XXXX ) and their general customer service number ( XXXX ). I don't know how to access/use this money on the giftcard or contact a person at American Express to get answers that help me with usage. I've been finding many customer stories online that recently these cards stopped working at normal online merchants and will be declined basically everywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX  XXXX XXXX XXXX XXXX, Account # XXXX Company : XXXX SC, Account # XXXX Company : XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-22 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: AZ

Complaint narrative:
I was checking my credit report on Experian. I have XXXX student loans, one is {$11000.00} and the other is {$130000.00}. My student loan servicer was XXXX XXXX ; however it was transferred to XXXX on XX/XX/XXXX as I entered into the public service loan forgiveness program. XXXX is the only servicer for the public service loan program. Experian currently has both of my loans as active for both XXXX XXXX and XXXX; basically stating I have XXXX student loans with a balance was basically {$300000.00} when in reality I have XXXX student loans with an approximate balance of {$150000.00}. The XXXX XXXX loans were transferred to XXXX, thus XXXX XXXX no longer holds them. I only make payments to XXXX. I have disputed this twice, even providing documentation from XXXX XXXX stating my loans were transferred to XXXX. Experian refuses to remove the incorrect information, basically doubling the size of my student loans. This is making it difficult to secure loans as creditors believe I have {$300000.00} in student loans when in reality it is half of that. I would respectfully request that Experian remove the old loans that were transferred and closed to so my credit report accurately shows the true balance of my student loans. 

Experian stated they investigated my concern and confirmed the balance with XXXX XXXX. I spoke to XXXX XXXX today and they stated they do not have the loan, it was transferred in XXXX, and my balance has been {$0.00} since that time. I do not understand why Experian is having difficulty obtaining this information. This is my 4th attempt to resolve this issue. This should not be that difficult. I am providing additional documentation including the screenshot of my XXXX XXXX account showing my account balance is {$0.00} and the loan was transferred to XXXX on XX/XX/XXXX. I have already submitted documentation, which I will again, from XXXX of XXXX showing my loan would be transferred to XXXX from XXXX XXXX. The documentation I am providing overwhelmingly proves my XXXX XXXX account is no longer active, I do not owe on it, and my balance is {$0.00}. I respectfully ask Experian to correct 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