vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Today XX/XX/year>, I have been attempting to log into my free membership service account with Transunion to view my credit report. I entered the right information into login the, but the account continuously pops up to say that I failed the verification process. I need to review my consumer report, and this is inconvenient 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 non-monetary relief
Consumer complaint received 2024-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-02 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: PA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-08-02 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: IL

Complaint narrative:
Hello, while taking a look at my credit report I noticed quite a few late payments on my account in which I have always maintained timely payments. Reporting agencies play a big part in accurately reporting consumer information. It is very important to to be reported with the utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I am requesting that you thoroughly investigate this errant information and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, I demand these payments be updated to reflect their true status as on time and remove all errant " late payments '' as I have consistently upheld my payment obligations without any delays.

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been working to making a payment to a body shop to fix my car so im able to pass inspection and get my new license plate. I have typed the wrong number and been sending payments ( total of {$1900.00} ) to a random person with XXXX a money transfer company partnered with Wells Fargo. After realizing some time later that i had been sending money to the wrong person i called wells fargo. They told me Thank you for letting us know we are more than happy to help. thinking that they could simply reverse a payment thats only happened no more than an hour ago. They then told me they will call me back on my case this week and a time frame is between XXXX. I waited all week and gotten no call. I then call them myself to figure out why i have not been getting any information on my case. They said its still not ready. Next week i called again and they finally told me that my case was closed. No call, no email, no nothing that would tell me they decided to cancel my case. I called back demanding to who else i can speak to and they just kept rerouting to different employees ultimately ending in them hanging up on me. I have never seen a bank so careless about there customer thats been with then since I started highschool. They left me to have me forget about my case, and allowed my money to be stolen

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have contacted ALLY 30x regarding this same charge and they still can't get it right. There are two charges from XXXX {$230.00} & {$140.00}. XXXX refunded {$140.00} & {$89.00} which totals the charge of {$230.00} I AM STILL MISSING A REFUND OF {$140.00} ALLY keeps stating that XXXX only owes me {$0.00} because they are confused that the {$140.00} refund doesn't belong to the charge of {$140.00} I have spoken to several supervisors who have hung up on me or have put me on hold for over an hour and I am not only drained but extremely disappointed in the vision of ALLY Identification # of all reps spoken to at ALLY XXXX, XXXX, XXXX, XXXX, XXXX, supervisor XXXX I recieved a response for the original complaint XXXX where Ally responded saying they have refunded the {$140.00} plus interest on XX/XX/year> XXXX my surprise on XX/XX/year> to see they have REBILLED the same amount again & when I called I am told the claim investigator went into my claim reopened it and rebilled it back this should be illegal & a breach of my dispute rights. This claim was already closed and found in my favor. This claim investigator needs to be held responsible for this! If they have done this to me I can only imagine who else they have done this too!

They have since sent me a letter in May stating they have refunded this amount via their customer relations department but then 5 days later it was REBILLED AGAIN & they also closed my account and when I called to ask why I was told that I closed it which is a complete lie I need someone at this company to actually do their job and fix this

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 2024-08-02 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: IL

Complaint narrative:
I did not authorize these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX  XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX I Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXXXXXX Date of request ( s ) XX/XX/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 2024-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-02 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 explanation
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the recent hard inquiries on my consumer report. 
here are the accounts i want looked into XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
MY INFORMATION WAS SOLD TO I XXXX XXXX XXXX DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$980.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT, I DO NOT HAVE CONTRACT WITH THIS COMPANY NEVER GAVE MY INFORMATION OR DOCUMENTS TO COMPANY

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 2024-08-02 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: MS

Complaint narrative:
n 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 2024-08-02 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
My XXXX card, email adress, phone were hacket along with my IP address. The hacker purchased concert tickets in XXXX from XXXX XXXX. XXXX  XXXX provided proof of purchase. Becasue they got my IP address my credit union said, I made the purchase and would not credit me back the money on my XXXX  card. 
XXXX XXXX ticket sale XXXX. Date of sale XX/XX/year> XXXX XXXX and XXXX XXXX. {$620.00}. 2 Section : " 4 '' Row " T ''. I should go there and see who bought these tickets. HACKERS DO HACK IP ADDRESS!.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from 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

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 2024-08-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I've tried using the card at multiple merchants. It always gets declined.

Company response to consumer: Closed with explanation