vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: AZ

Complaint narrative:
A couple days ago I summited a complaint for fraudulent accounts in my name. New inquiry has been added. I asked for a fraud alert to be placed however, I know my letter is still in process of arriving. Please remove the following inquiry. XXXX  ( XXXX/XXXX/XXXX  ) It is fraudulent lease dont hand credit. Thank you. Call my number before handind credit XXXX please also remove the remaining fraudulent inquiries if you havent done so from previous letters. They are still shwing in my report. 
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 2024-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
FDIC Case number XXXX ; Re : Wells Fargo Bank , National Association ; I initially sent the complaint to FDIC they have forwarded it you. I went to my local Wells Fargo branch on XX/XX/year> and gave them a check for {$41000.00} to pay off my home equity loan. I noticed after a couple days it wasn't paid off. They applied the funds my home mortgage, by mistake. I sent them a nastry gram and taked with a customers service representative who apologized and promised to fix the error. Since then I have talked with a Banker, a Branch Manager and XXXX Home Equity Specialist all promised to fix the error ASAP. Now the funds have reversed off the mortgage and disappeared. Its XX/XX/year> and still no correction.

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 2024-12-06 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? Please delete these accounts.I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint.I request that all written confirming regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
Denied when applying for a credit card or opening a Bank account online

Company response to consumer: Untimely response
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below, as they are the result of fraudulent activity. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of such information when it results from identity theft. 
The following accounts are fraudulent and must be blocked and deleted : Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below, as they are the result of fraudulent activity. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of such information when it results from identity theft. 
The following accounts are fraudulent and must be blocked and deleted : Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXXXX/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 2024-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
XXXX doesn't let me do payment plan I try they don't extend them am homeless no money they charge me a fee of {$290.00} overdraft my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report related to accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX. Under the protections provided by the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ) and 15 U.S.C. 1681, I demand the immediate removal and blocking of these fraudulent entries.

This information is false, inaccurate, and appears to be a result of fraudulent activity that I did not authorize. Under FCRA Section 605 ( b ), you are required to block this information from my credit report, as I am disputing it on the grounds of identity theft and/or fraud. The law is clear in 15 U.S.C. 1681 ( c ) -2 ( b ) that the credit bureau must remove this information if it can not be verified as accurate.

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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report regarding an account with XXXX XXXX XXXX XXXX ( Account # XXXX ). Upon reviewing my credit file, I have identified the following discrepancies that violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i ( 5 ) : Disputed Information 1. Account Status : The account is listed as Charged off. {$12000.00} written off. However, this status is incomplete or misleading. If the account has been sold, settled, or resolved, the status should reflect that accurately. 
2. Balance : The reported balance of {$12000.00} conflicts with the charge-off status. If the account was charged off, the balance should reflect {$0.00} unless otherwise verified.

3. Credit Usage : The reported credit usage of 105 % exceeds the credit limit of {$12000.00}, which appears to include fees or interest that may not align with the original account terms.

4. Status Updated : The Status Updated date of XX/XX/XXXX is inconsistent with the Last Payment Date of XX/XX/XXXX, and the charge-off date of XX/XX/XXXX. This discrepancy requires clarification and correction. 
5. Last Payment Date : The Last Payment Date of XX/XX/XXXX may not accurately reflect my records. Please validate and correct this date if necessary. 

Requested Actions Under FCRA 1681i ( 5 ), I request the following : A reinvestigation of the above discrepancies to ensure the accuracy of the reported information. 
Validation of the account details with XXXX XXXX XXXX XXXX. 
Correction or removal of any unverifiable or inaccurate information from my credit file. 

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 shalli ) 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.

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 2024-12-06 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: CA

Complaint narrative:
I am disputing the late remarks on this account because the account was opened and used fraudulently without my knowledge or consent. I believe this account was a result of identity theft, and I did not authorize any transactions or account activity. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Correction to my report, I demand these late payments be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 am disputing the late remarks on this account because the account was opened and used fraudulently without my knowledge or consent. I believe this account was a result of identity theft, and I did not authorize any transactions or account activity. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Correction to my report, I demand these late payments be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

U S DEPT OF EDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX XXXX DEPT OF ED/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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Optio Solutions, LLC
State: SC

Complaint narrative:
I was living in XXXX XXXX XXXX  in XXXX, GA XX/XX/XXXX until early XX/XX/XXXX. My apartment flooded by the upstairs neighbors pipe busting. This caused multiple inches of water in my floor and destroying XXXX of dollars of my personal belonging. This lead to a black mold problem in the apartments. The management refused to fix the problem. They told me if I wrote a 30 day notice, they would waive all fees for breaking the lease. I did this. Now I have a {$450.00} debt in my name that I have been trying to get off for 4 years. I even hired XXXX XXXX XXXX to dispute it for me 3 months ago to take care of this debt. The debt keeps getting bought out by different companies and therefore starting my 7 years over. This debt doesnt even have an address associated with it or describes what it is for. There are so many discrepancies with this debt that proves that I should not be responsible for it, however, it is still affecting my score. It is currently with Qualia Collection Services which was opened/ bought out XX/XX/XXXX. Im not sure who else to contact because I have hired a company to help dispute it and get it taken off, called the actual collection agency ( and they were the ones who told me to hire the XXXX XXXX XXXX to get it taken off due to the discrepancies and missing information ), and XXXX. I am uploading pictures and videos of the apartment and damage, insurance claim made due to flood, and emails that I have sent to the apartment complex without much reply. If there is anything else you need please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information related to my account as reported to the credit bureaus. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, and the Truth in Lending Act, specifically 15 USC 1666b. 

Upon reviewing my credit report, I noticed the following discrepancies : 1. incorrect payment history I believe this information is incorrect for the following reasons : late payments are being reported inaccurately and I always maintain an consistent payment history. Upon reviewing the credit report I noticed Consumer are reporting 3 different payments history. Which plays a crucial role in my credit report. 
In accordance with 15 USC 1681i, I request that you investigate this matter and correct or remove the inaccurate information from my records. I have attached a copy of my recent credit report to support my claim.

Furthermore, under 15 USC 1666b, I am also requesting that you review any billing errors associated with this account that may have contributed to the inaccurate reporting. Please provide me with a detailed explanation of any findings from your investigation and any actions taken to rectify this matter. 

I appreciate your prompt attention to this dispute. Please respond to me in writing at the address listed above within XXXX  days of receiving this letter, as required by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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