vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-09-20 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: LA

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 2024-09-20 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$2800.00}.

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 2024-09-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is the fourth time, I am writing to dispute several hard inquiries that appear on my Equifax credit report. One inquiry was removed, but 4 others were not. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 1. XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the U.S., several unauthorized accounts were opened in my name. One of these is a credit account with Bank of America, which Ive been trying to remove from my credit reports for the last two years. However, my claims have been repeatedly rejected.

Today, I received a call from Bank of America explaining that the reason for the rejection is that payments have been made from a Bank of America checking account into the fraudulent credit account. I was unaware that a fraudulent checking account was also opened in my name at Bank of America. 

In order to resolve the issue with the fraudulent credit account, it appears the fraudulent checking account must be addressed first. Unfortunately, I have no information about this checking accountno account number, no opening date, or any other details. 

I have attached a police report, an identity theft report, and my XXXX as proof that I was out of the country from XXXX until 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 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XX/XX/year> {$430.00} XXXX XXXX sold a debt that I didnt even have to a third party ( XXXX  ) & theyre looking for me to pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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. 

XXXX XXXX {$23000.00} XXXX XXXX {$92.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}

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 2024-09-20 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2024-09-20 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: OH

Complaint narrative:
I reviewed my credit score through credit karma and my score seemed to be oddly low when I paid off my car note in full just recently and then I realized a car loan that I didnt establish like who even give you guys permission to report such things you should know its fraud all the inquiries on my file as well as the acceptance car loan is fraudulent as well My information may have been impacted by the Equifax Data Breach and XXXX XXXX breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists 15 USC 1666 ( a ) A creditor may not treata payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have been a loyal and excellent customer of Amex for 15 years. My credit score has always been Very good or Excellent. I have always paid on time. 

For a period of 6 months this year, I have had to use my credit to its full extent as it happens that my self-employed income ( about 50 % of total income ) is all getting paid in XXXX and XXXX. Suddenly and without warning, Amex decides to decrease my limit by 30 %. Had they notified me of the upcoming change, I would have been able to secure other sources of credit for the XXXX weeks left before my income comes in, but they did this without cause ( no missed payments, change in income or bad credit score ) and effective immediately. All appeals options would take a minimum of XXXX weeks, rendering them useless. Securing a XXXX takes up to XXXX weeks. Essentially they are leaving me stranded, without options and without cause. Considering my credit limit has been stable for years, I consider this to be false representation. They advertised my credit limit as being one thing and then changed it without notice and without cause. They also offered no appels options that work for a self-employed mode of remuneration. Such business practices should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a XXXX  report on XX/XX/year> demanding a a correction to my credit report due to the non compliance from ( original creditor ) XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX for inaccurate credit reporting in violation of the FCRA LAWS Date opened : XX/XX/year> Balance {$1600.00} Account # XXXX According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. 
These shall be excluded on consumer reports. 
You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

They failed to do such and comply so I demand this fraudulent account be removed 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 2024-09-20 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: FL

Complaint narrative:
I sent a XXXX  report on XX/XX/year> demanding a a correction to my credit report due to the non compliance from ( original creditor ) XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX for inaccurate credit reporting in violation of the FCRA LAWS Date opened : XX/XX/year> Balance {$1600.00} Account # XXXX According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. 
These shall be excluded on consumer reports. 
You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

They failed to do such and comply so I demand this fraudulent account be removed 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 2024-09-20 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, Wells Fargo Bank despite its {>= $1,000,000} settlement with you IS UP TO ITS OLD TRICKS with regards to MAXIMIZING OVERDRAFT FEES! 

In my case, Wells Fargo Bank is SNOWBALLING overdraft fees such that, for example, my {$25.00} check and my {$5.00} check are dishonored because of OVERDRAFT FEES! 

And now my checking account is MINUS because of OVERDRAFT FEES such that the entirety of my forthcoming SOCIAL SECURITY ADMINISTRATION bank deposit is at VERY CONSIDERABLE RISK! That is, Wells Fargo Bank shall be deducting the overdraft fees that put my checking account into negative territory!

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ THE RESULT : I SHALL BE GETTING LESS OF MY FORTHCOMING SOCIAL SECURITY ADMINISTRATION BANK DEPOSIT!

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Preventing me from getting my entire said Social Security Administration deposit IS a very serious matter indeed! In fact, at least one FELONY if not more! Call it THEFT or what, it is an illegal, an impermissible, an unethical, a totally immoral taking of my Social Security moneys upon which my beloved and loving wife, best friend, and soulmate XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX VITALLY DEPEND! I need not tell you why, tell you the XXXX! 

Respectfully submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  until called home because of a family health catastrophe! So very sad! So immensely tragic! 
Adjunct Professor ( ret ), Business Law, Paralegal Studies, American Government Attorney-at-Law ( ret ), Constitutional Law, Criminal Law Administrative Law cc : Attorney-General XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of the Federal Reserve Comptroller of the Currency Securities and Exchange Commission Internal Revenue Service United States Postal Service for possible MAIL FRAUD Treasury XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX New Jersey Department of the Treasury XXXX XXXX XXXX United States Senate United States House of Representatives XXXX XXXX XXXX New Jersey XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: PA

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. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA 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 explanation
Consumer complaint received 2024-09-20 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I am writing to formally file a complaint against Ford Motor Credit for their failure to properly investigate and remove a fraudulent car loan account that has appeared on my credit report, despite numerous attempts to resolve the issue since XX/XX/year>. 

This account was fraudulently opened in a state where I do not reside. Since discovering this account, I have followed all necessary steps to address the situation, including providing Ford Motor Credit with the following documents : Police report documenting the identity theft.

FTC Identity Theft Report.

Identity Theft Affidavit.

Proof of residency, including a recent utility bill, which was requested as a substitute for my drivers license due to ongoing fraud concerns.

I have mailed these documents to Ford Motor Credit on several occasions and have called multiple times to discuss the matter with their representatives. Each time, I have been asked to resend the same documents. Most recently, on XX/XX/year>, I received yet another letter from Ford Motor Credit requesting that I resend all previously submitted documentation. 

On XX/XX/year>, I faxed my utility bill, ID Theft Affidavit, FTC Report, and police report again, along with a copy of Ford Motor Credit 's letter. During this process, a representative assured me that once the documentation was received, the fraudulent account would be removed from my credit report. However, despite complying with every request and submitting the appropriate documentation, this account remains on my credit report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or incomplete information from consumer credit reports. I demand that Ford Motor Credit immediately remove the fraudulent account from my credit report and cease any further reporting of this erroneous information. 

Please investigate this matter promptly and take action to ensure that my credit report is updated to accurately reflect my information. 

Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with explanation