vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-11-03 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate addresses and fraudulent inquiries from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved.

I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report.

Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent.

Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities.

I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file : 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

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 2023-11-03 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate addresses and fraudulent inquiries from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved.

I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report.

Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent.

Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities.

I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I was under the Public Student Loan Forgiveness Program with FedLoan Servicing. They have lost their contract with the US dept of Ed. They no longer exist. I made a payment to them on XX/XX/23 for the amount of {$190.00}. I need them to return my payment as they no longer exist. I have to now send that payment to XXXX. The address it was paid to is FedLoan Servicing Payee address XXXX XXXX XXXX XXXX, GA XXXX Payment was made via my online pay banking services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am formally complaining against WELLS FARGO CARD SERVICES I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).

I have contacted WELLS FARGO CARD SERVICES who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that WELLS FARGO CARD SERVICES stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

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 2023-11-03 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-11-03 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-11-03 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-03 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sold shoes online last week. I got a check for the shoes for around XXXX XXXX XXXX since they were multiple shoes. I sold the shoes through XXXX XXXX and to this date I am blocked by the seller I never sent the shoes because I needed the check to clear first. The check cleared and I was preparing to send the shoes and I spent money from my bank account. A few days later, my account went negative and the check was bounced and I now owed the bank XXXX XXXX XXXX. It turns out the guy who gave me the check used someone else 's bank account for the purchase and now I am in debt because I cashed a check. I am also upset because the check cleared and did not change until I withdrew money at an atm and in the bank. Also, my card had someone trying to buy bitcoin and food on my card after it was stolen from an atm.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The bank suddenly, without notice, closed my account on XX/XX/23 apparently because I was deemed a threat to the bank. I requested information today on how they decide when a person is a threat to the bank. However, they did not give me any reasons why. They simply said that it was a done deal and there's nothing that I can do to correct the issue. They mentioned that a letter was mailed to me on XX/XX/23 however I have yet to receive it. I have not given JP Morgan Chase reasons for this to happen. I have been a member of this bank for more than 15 years and have never had any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX XXXX in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, make clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the XXXX and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory. If XXXX lacks the fortitude to do what law requires, ie. to cease reporting false information, it is incumbent upon the CRAs to provide relief by deleting the account/tradeline from my credit files and/or or removing the false date of first delinquency and false payment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: GA

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

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 2023-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: CA

Complaint narrative:
An account from XXXX XXXX XXXX XXXXXXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXX as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from Mechanics Bank .

When I contacted the collection company, I was told the account was sold to : XXXX XXXX XXXX This collection company never sent me a notice that they had this account in their office. 

I called XXXXXXXX XXXX XXXXXXXX XXXX on XXXX to see who holds the collection of this account. XXXXXXXX XXXX XXXX XXXX XXXX told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called XXXXXXXX XXXX  back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX XXXX he gave me their number and account number. 

On XXXX I called XXXX XXXX and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to XXXX XXXX  back in XXXX of XXXX. 

On XXXX I called XXXX XXXX  and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXX ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor XXXXXXXX XXXX sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from XXXX XXXX back in XXXX. 

XXXXXXXX XXXX  removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX {$5300.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7700.00}, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$510.00}, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$440.00}, 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 602 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 non-monetary relief