vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
XXXX Experian : XXXX days ago I was hung up on by an entity that clearly could not speak XXXX. This entity did not follow through with my requests to be able to help me with verifying me or my information. 
Today, XXXX. It was excruciatingly difficult getting someone on the phone. 
When I finally did, I found out that Experian has some wrong information on my account. After this I could not get Experian to comply with my request for a supervisor. NOR could I verify that I was actually speaking with an Experian agent. 
AFTER I was alarmed & incensed with the difficulty I had TRYING to comminicate with the agent, they then told me they could not help me any further until an email was sent to me which XXXX ( XXXX ) hours later, I still do not have! 

For something as important as one 's credit information and making sure there is no fraud relating & connected to my account information. The agents should speak XXXX WELL, OR, give me the option to transfer me to someone WHO can clearly UNDERSTAND WHAT I AM SAYING as it relates to something THIS IMPORTANT!! 
This is egregious! This is sub-standard. This is inept & UN-acceptable!

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 2024-09-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: LA

Complaint narrative:
Experian has adjusted my credit score for the past few years by upwards and downwards of XXXX XXXX XXXX with no provocation nor justification. I have done XXXX  complaints, contacted the company, and threatened to report them to the FCRA and seek an attorney. All methods have been ignored they give me a generic response on credit scores changing for no reason and with no changes in creditors or credit lines. They have ignored my requests for an investigation into this matter. They have done nothing and the last instance was dated XXXX XXXX the previous date XX/XX/year>. This has been happening every few months for several years now dating back to as I can tell XXXX no one can explain the reason no one even tries and nothing is corrected. If they do not respond and investigate I am going to file a complaint with FCRA and get an attorney to file paperwork against them.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
i have requested that Selene be added as a XXXX  in case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I noticed several charges from XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX on a credit card ( Bank of America XXXX XXXX XXXX  ) that I never used to pay for my XXXX account. On XX/XX/year>, I contacted XXXX customer service to raise this suspicious charge and they took immediate action to cancel and block the XXXX account fraudulently using my credit card. I then reported these unauthorized transactions with my credit card bank ( Bank of America ) and they immediately blocked this merchant from charging me in the future as well as issued a new credit card for me.

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
Offender : Credit Managment Company This has been happening several times every week now. They would robo-call me and did not provide any information other than to just call them. 

I blocked the first number, and now they sent a new XXXX call voice to do the same thing. 

I checked my credit, and I have no outstanding debt that was sent to collections. My XXXX XXXX is XXXX with no bad marks. they refuse to tell me who the debt is for and is now borderline harassment. 

Feels like they are on a fishing expedition to get my personal information or to make up false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Skopos Financial, LLC
State: LA

Complaint narrative:
I have been battling with Reprise Financial for the majority of this year ( XXXX  ), over a loan that was taken out under my name fraudulently on XX/XX/scrub> XXXX 
This is a loan for {$9400.00}. 
The current amount due is {$2500.00}. 
I do not have this money, nor have I ever heard of this company before. 
I have provided them with all the information requested of me, such as a copy of my social security number, my license, a full police report, and a notarized affidavit. 
Their customer advocacy is stating that the loan will remain as is, and the investigation closed. If I want to reopen the investigation, I would have to provide ANOTHER police report with a potential suspect, as they are claiming this is " Friendly Fraud '' a term I have never even heard of. 
I do not know of, nor do I have the resources to provide a potential suspect, because I do not give my personal information out. 
I know that personal information is easy to access and could have been gathered anywhere on the dark web. I do not know what to do/provide this company with in order to close and remove this loan from my name and they refuse to give me anymore information.

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 2024-09-30 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting my to credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
This company has violated my rights and FCRA. The company has charged off an account which I did not consent to. According to Federal Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Also, the company charged off the account with giving me a copy of my 1099C. If the company wrote it off on their taxes I was suppose to receive a 1099C. Which I am supposed to claim on my taxes as income.I still have a balance stating I still owe the money but it was wrote as charged off. On my credit report it is stating otherwise and is not accurate. This is statutory damages and actual damages for reporting incorrectly to 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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/year> I sent a money transfer for {$510.00} dollars through Money Gram this was my XXXX time using this company, the other XXXX transfer I got the money, but this XXXX one never received the money, I've been reaching out to the company and the open a case and tell me that I have to wait upto 90 days for a resolution. To many cases open and closed without any resolution the say the money was deposited on my account and that's it, case closed, and my money still lost ... .I have tell them that I can send a proof that the money was never received on my end account, but they don't take any paperwork from me but they send me what supposed is a proof of the deposit, also they've been to many discrepancies since the firt time I contacted Money Gram to complain about my money, like they sent me and email saying that they couldn't transfer the money so I'll receive the money back on my account in lees that 10 busissness days, witch never happened, then I received a second email saying that the money was deposited on my account but because it took to many days, they will refund the {$1.00} they charged for the transfer, why the send me that if they say the money was successful deposited on my account??? Could you please help, someone told me that if I have a tracking number, I can contact XXXXXXXX XXXX XXXXXXXX and they could located the money, but the company doesn't want to provide a tracking number, only a transfer reference, but that doesn't work with XXXXXXXX XXXX XXXXXXXX website to track my money. Please let me know if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 15 U. S. C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the reports by more then seven years 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

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 2024-09-30 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-09-30 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
I have addresses on my personal info that needs to be removed the only address that should be there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address need to be removed I have a document ( mail ) that supports my current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Goodwill Adjustment on Account Dear XXXX, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with XXXX XXXX XXXX  ( XXXX XXXX ), account number XXXX. 
I want to express my appreciation for your services, and I have always valued my relationship with your company. I understand the importance of maintaining a positive credit history, and I take my financial obligations seriously. 
Recently, I paid off my account in full on XXXX While I understand that the record of this account may remain on my credit report, I am kindly requesting that you consider removing the negative reporting associated with this account from my credit report with Equifax XXXX 
Thank you for considering my request. I hope for your understanding and support in this matter. I look forward to your positive response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Beginning on or around XX/XX/XXXX, I contacted my bank -- XXXX -- to alert them to fraud on my account. This fraud involved a wire transfer in the amount of {$3500.00} from XXXX to Wells Fargo. 

I am a victim of employment fraud. After signing a contract, I was given instructions to buy office equipment to set up my home office and was sent XXXX checks via email to deposit into my XXXX account. I did so and then sent the wire transfer and cash transactions to the account number they sent me to pay for the equipment. 

The claims team at XXXX recorded my complaint and provided a case number. They began a wire recall request, which was denied because I had willingly sent the money. I received a letter from XXXX on XX/XX/XXXX to that effect. When I called XXXX back, I was told Wells Fargo responded to them, basically saying unless the funds recipient contacted them and gave permission to return the funds to me, the bank would not. 

My financial services advisor called Wells Fargo after speaking with XXXX, and despite being told the funds recipient obtained the funds illegally, my guy was informed " there is nothing we can do. '' I have filed both a police report and an FBI report and am working with a detective on the case.

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