vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
I'm putting down to give my strain concerning the tested accounts on my credit report. On different occasions, I have raised the issue of slips up in these records, and have reliably referred to that they be completely dissected. No matter what my endeavors, I eventually can't get any goal or restorative development. These stirred up records are really harming my credit report and obliterating my capacity to go on with a typical life. The horrible aftereffects of these bumbles have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with changing what's going on at the earliest entryway. I nicely demand that you lead a complete evaluation concerning the determining of these tested records. It is fundamental that the chief advances are taken to resuscitate and address my credit report immediately. With your assistance, I need to reestablish the exactness and fairness of my credit document so I could recover command over my cash related flourishing. I genuinely ask you to offer this matter your generally unbelievable idea and make an expedient move. Your collaboration and moving in settling this issue quickly would be enormously significant. Grateful to you right off the bat for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WANT TO EMPHASIZE THAT EXPERIAN DELIBERATELY FAILS TO ANSWER THE PHONE, IT DISCONNECTS, IT DOES EVERYTHING TO AVOID RESPONDING TO OUR COMPLAINTS OF THE MISTAKE THEY MAKE. I AM TIRED O F WAITING ON HOLD TO SPEAK TO SOMEONE AND AM TIRED AND DISGUSTED THAT THESE PEOPLE NEVER MAKE THEIR DROP DOWN CHOICES PERTINENT TO THE PROBLEM.

I TRIED CALLING THEM AS I AM FURIOUS. AND IT SEEMS THAT THESE XXXX  WILL PICK UP THE SAME SCREW UPS AS OTHER REPORTING AGENCIES ESPECIALLY XXXX AND USE IT AS AN EXCUSE TO DROP MY SCORE BY MANY POINTS THERE IS XXXX XXXX XXXX XXXX XXXX INQUIRY ON MY CREDIT REPORT FOR A CAR LOAN. TWO CREDIT UNIONS WERE APPROACHED, BUT IT WAS THE XXXX XXXX XXXX XXXX XXXX XXXX LOAN. THE SAME XXXX LOAN TO SEE WHICH COULD HAVE A BETTER RAT XXXX. 
THIS LAW ESPECIALLY IN FLORIDA AS YOU KNOW WAS CHANGED A WHILE AGO, THAT IF YOU HAVE AN INQUIRY ON THE SAME ITEM, A CAR LOAN AND ONLY XXXX ENTITIES MAKE THE INQUIRY ( AS XXXX IS SHOPPING AROUND FOR XXXX XXXX XXXX XXXX CAR LOAN IT IS ONLY COUNTED AS XXXX INQUIRY,. 

YES THESE XXXX HAVE XXXX INQUIRES -- XXXX FROM XXXX XXXX XXXX WHICH I WENT WITH AND ANOTHER FROM XXXX XXXX XXXX, WHICH I DID NOT EVEN PERSUE THE LOAN WITH THEM AS THEY WERE DOING THINGS THAT WERE NOT LEGAL, EXAMPLE, ASKING ME FOR A COPY OF MY DRIVER LICENSE BY EMAIL. THAT IS NOT SAFE, AND I JUMPED EVERY HOOP AND DID NOT HEAR FROM THEM AND YET THIS WAS FOR A LOAN TO BUY THE SAME XXXX CAR THE SAME XXXX CAR AND THE SAME XXXX CAR AND THESE PEOPLE XXXX WELL KNOW THAT AND YET THY WANT TO COUNT IT AS XXXX HITS. 
I AM SICK AND TIRED OF EXPERIAN AND I WILL ALSO BE CONTACTING XXXX WHICH IS MUCH EASIER TO CONTACT. IF YOU CAN DO SO I APPRECIATE THAT AS WELL. 
THIS IS NOT NOT NOT NOT THE ONLY ISSUE : THIS STUPID PATHETIC DISGUSTING INEPT COMPANY THAT DOES NOT GIVE A XXXX XXXX XXXXXXXX ABOUT PEOPL HAS AN INACCURATE ADDRESS AND OF COURSE, YES YES YES I TRIES TO DISPUTE THAT AND SET THEM STRAIGHT, XXXX UT THESE XXXX  AS USUAL PROVIDE A PHONE NUMB ER TO CALL THEM BECAUSE THEY SAY YOU CAN NOT DISPUTE THIS ONLINE ( HOW CONVIENT TO XXXX WE THE PEOPLE OVER ) AND I AM SO TIRED OF THIS XXXX I CALLED TWICE TWICE AND GOT CUT OFF, THEY ALWAYS CUT THE CALL, THEY ALWAYS DISCONNECT BECAUSE THESE PEOPLE ARE LIARS, THIEVES AND DO NOT CARE WHAT IS ACCURATE OR NOT. 
PLEASE SEE A SCREEN SHOT I TOOK. I ONLY LIVED ON XXXX IN XXXX XXXX. I HAVE NO XXXX IDEA WHY THEY HAVE XXXX DIFFERENT ADDRESSES FOR ME ON XXXX XXXX, XXXX, XXXX XXXX. FOR THE LOVE OF XXXX, NOBODY COULD BE THAT XXXX STUPID, TO WANT TO KEEP INACCURTE INFO ON SOMEONE, MISLEAD AND OF COURSE, OF COURSE OF COURSE THEY END UP DROPPING MY SCORE AGAIN BY XXXX POINTS AND HAVE NO EXPLANATION FOR DOING THAT XXXX AGAIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: AK

Complaint narrative:
My account with Transunion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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.

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.

Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CreditNinja Lending, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I applied for a loan with credit Ninja the money was sent to my old bank account not my new one and it was rejected by my bank XXXXXXXX XXXX I called credit ninja the next Monday and was told it would take 3 to 5 days. It is now XX/XX/XXXX and it's been 11 days they have no idea where it is I gave them the trace number from XXXX XXXX  and they told me I had to send them a copy of my bank statement showing I didn't receive it they keep telling me they'll call me back they never do I've called him every day since XX/XX/XXXX and no one ever calls me back they keep telling me oh it's going to be a few more days but they never help. The loan acct number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I keep getting phone calls at least 3-5 times a day from the same company, different phone numbers requesting that I pay a debt to this legal document services company. They have legal actions taken against me. They are going to take me to court. They have two different account numbers for me one is for {$2000.00}. The other is for {$3000.00} saying I owe money to Chase credit card services or their affiliates. I have called Chase. They have no account for me nor have they ever had an account for me or their affiliates, I have reported this to the credit bureau to keep a watch on my credit reports I will be reporting to all of my banks I have called the police. They have told me to call the ftc.gov and report this problem. There are several phone numbers that they are calling me from One phone number is XXXX another number XXXX another number XXXX another number XXXX next XXXX. They have two different account numbers on me, requesting {$2000.00} and {$3000.00} I have told them I am not paying anything. This is a scam. They know all of my personal information. They know my name, birthdate address, phone number and Social Security number about a year ago. XXXX XXXX did have a data breach sent me a letter so Im assuming they got this information from them I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: GA

Complaint narrative:
To : XXXX collections of Nevada XX/XX/2024 Dear Collector, Im shocked at the " proof '' that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( XXXX ). Contract with my name on it. 
( XXXX ). Full accounting of this account. 
( XXXX ). Proof that you have the right to collect money from me. 
( XXXX ). Proof that you have the right to collect in my state. 

And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Including the alleged proof that resident paid monthly charges towards a move-out cleaning fee. As well as the aforementioned reduction in " fees owed '' when a new resident took over. According to my records that was 30 days after move out. 

( XXXX ). You reported a debt to the credit bureaus causing my score to go down without validating. 

Violation. 

( XXXX ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above. 

Violation. 

Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
Noticed fraud charges on my account from XXXX, disputed charges on XXXX. Received an email that I would get a response back after XXXX business days and a provisional credit would be applied. Friday XXXX XXXX XXXX  was told I would get an email at XXXX, which never did. I have chatted and called and I am constantly told no way to contact back office and I have to wait even though the email clearly states the XXXX as my first day and XXXX business days is XX/XX/XXXX. I chatted and they said I would hear from them within a week?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I closed my checking, savings, and safe deposit box at Wells Fargo bank. The safe deposit box contained a CD for {$30000.00}. When I told the bank I would like to withdraw my money from the CD, I was told that they couldnt find any records on it and was advised to contact Wells Fargo customer support. On XX/XX/year> I contacted Wells Fargo customer support and was they would not be able to help me on this matter. On XX/XX/year>, I filed a complaint with cfpb. On XX/XX/year> I received an email stating that my complaint has been closed by Wells Fargo bank. I have resided at the same address and have the same phone number for over XXXX and was never contacted by Wells Fargo that there was an issue with my money held in the CD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I was looking for housing and I came across this apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed an application, but it took them over 3 weeks to find me an apartment. I told them I could wait any longer and school was about to begin. I told them not to worry about it and went somewhere else and rented an apartment. After I signed the lease at the other apartment complex, they called me and said they had an apartment ready for me, I told the manager at XXXX XXXX I already have an apartment, and she responded that she was going to report me to the credit bureaus.

I never signed a rental contract, nor did they assign an apartment or give me access or a key to an apartment in that complex. XXXX XXXX XXXX started sending emails to me requesting payment of {$5000.00}. How could I owe anything when I never leased from this complex. I filed identity theft on this account with the FTC because XXXX XXXX XXXX obtained my personal information without my consent. I certified mailed XXXX XXXX XXXX a letter, with the FTC identity theft report requesting documented proof back in XX/XX/2023. 

They never responded to my letter. Instead, they are still harassing me with phone calls and emails even after I requested that they cease and desist all contact with me in the certified letter. They have reported this fraudulent account to all three credit bureaus as a negative collection. I have sent all these documents to all three bureaus, but this fraudulent account is still reporting on my bureaus.

Company response to consumer: Closed with non-monetary relief