vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I spoke to this company and the company they claim I have a debt from plenty of times requesting that the Collections Account to be removed from my credit file, I noticed an entry from I C Systems, dated XX/XX/XXXX, on my credit report. I have no knowledge of this account, it is inaccurate and unverifiable. Over XXXX I have request that they thoroughly investigate this matter and, if unable to provide verifiable evidence of this debt 's validity, please remove it from my credit report in accordance with applicable credit laws.i have never signed up with this business nor have done business with any affiliates with I C Systems

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My credit limit was drastically reduced. {$3000.00} to {$300.00} due to a routine credit check. The reasons given were inaccurate and some of the things mentioned were present when the account was approved which makes little to no sense. 

Payments made on this account were never late.

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 2023-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: KY

Complaint narrative:
Well my husband and I split up and I put money on a NetSpend card and yet I lost the card on purpose as bait trying to see if someone would steal it and so I bought other cards and loaded them they couldn't get to my money though it was just {$100.00} put up for my future. I like to leave money in my past to cover my XXXX in the future and who ever XXXX that helps me so I thought since you can't look up any account without my social security card and they pulled it up just like i thought XXXX lost that card and was trying to get it transferred to the card i have now I dont remember the exact dates XXXX or XXXX but thats why they wouldn't do the transfer

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a late payment from XXXX I requested a copy of my disbursement from earlier of this year. I am in the middle of a refinance for my property and this Late payment is holding me back. I am requesting the removal of the 30 late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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:
I have a late payment from XXXX I requested a copy of my disbursement from earlier of this year. I am in the middle of a refinance for my property and this Late payment is holding me back. I am requesting the removal of the 30 late payments.

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 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX XXXX not mine please delete and investigate immediately. It 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 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NC

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NC

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. 
XXXXXXXX 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 2023-11-17 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: MO

Complaint narrative:
I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims. 

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation. 

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-11-17 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: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
It seems to be an Old report from XXXX XXXX  from XXXX XXXX XXXX. I have the documents to prove it. Also, have pics of lies on the excessive cleanings. I moved into an Apartment that wasn't the one they used for showing. I moved into an apartment that wasn't occupied in XXXX  years before I moved in because it was dirty. They tricked me into renting and I was a young adult at the time. My heater was also broken at the time. So by tenant rights, I shouldn't even pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: IL

Complaint narrative:
I didnt make the inquiries on my credit report. I disputed them. 
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 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 2023-11-17 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 didnt make the inquiries on my credit report. I disputed them. 
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 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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In late XXXX of 2023 I made a wire transfer from my local bank, XXXX XXXX XXXX  for {$15000.00} payable to a business associate who's business account is at Wells Fargo. The wire did not process in a timely manner and he was given multiple reasons why it could not be credited to his account. He was told that it was notmal XXXX hours processing time and then XXXX hours and then XXXX due to heightened security since th XXXX XXXX XXXXXXXX. They told him that they needed to determine the reqason for the funds ( easikly determined as an investment ). After repeated attempts to receive an appropriate response as to why the extended delay, all communications from Wells  Fartgo ceased, I am including the transcript of my messages with my associate XXXX XXXX XXXX in addition to the wire 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 explanation
Consumer complaint received 2023-11-17 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On Thursday XX/XX/23 my phone was stolen. The person that stole my phone got into my XXXX and sent themselves {$5000.00} on friends and family in the form on a E-Check. Once I tracked down my phone using the XXXX feature 'Find My Iphone ' I immediately looked at all of my financial apps and saw that this person got into my XXXX and sent {$5000.00} to someone. I contacted XXXX but since this transaction happened through the friends and family way of sending there is no protection given through XXXX and they directed me to talk to my bank. Once talking to my bank ( Chase JP Morgan ) I informed them of the situation and I told the customer service representative to stop the check from going through. They did not do that and the next day the check went through. I then had to put in a claim to Chase and I believe they did close to nothing on investigating the situation. I was never emailed, called or texted that the claim was even opened or closed so I had to consistently call them to get an update. Yesterday I called them and they told me that the claim was now closed and they could do nothing about it. Meanwhile when I spoke to multiple customer support representative they informed me that I would get my {$5000.00} back. I am very frustrated about this situation, I can't afford to lose {$5000.00} to a thief who stole my phone and sent themselves all of this money. {$5000.00} is no little amount of money and it is truly upsetting that Chase lied to me saying that they would stop the check and put in no effort to get that money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
To Wells Fargo XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX compromised and closed. 
XXXX XXXX XXXXXXXX Fraud Loss Case Claim # XXXX Case # provided by XXXX XXXX To whom it may concern, We received notification that we are unable to reimburse you and have closed your claim via letter on XX/XX/XXXX. 
We respectfully request that the claim for reimbursement of the loss of {$23000.00} be re-opened for the following reasons : 1. We have been set up with 2 factor verification for our Wells Accounts since XX/XX/XXXX XXXX ; this was done to secure our Wells Bank accounts, which had been compromised at that time. 
a. At no time did we receive nor provide the verification code to the third parties who orchestrated the illegal wire transfer. 
b. Furthermore, we did not provide our Account # XXXX, routing numbers, nor Username and passwords to access our Accounts, to any third parties. 
XXXX. Upon reporting the matter to your fraud agent on XX/XX/XXXX ( XXXX ) and in multiple subsequent conversations we are assured that that loss associated with this account would be reimbursed ; however, we were advised upon reporting the matter to your Fraud agents, that all other accounts should they be comprised in the future, would be our responsibility.

a. In our calls to Wells fraud agents to XXXX on XX/XX/XXXX, and to XXXX XX/XX/XXXX ( XXXX and XXXX XXXX we were assured the claim was being processed and would take XXXX days. 
b. At no time were we informed that we would not be reimbursed for the loss nor did any of the agents refer to any policy that would preclude the reimbursement. 
XXXX. In speaking with our Banker ( XXXX XXXX ) on XXXX XXXX we learned that despite our call to Wells Fargo XXXX XX/XX/XXXX to report this matter, your records indicate that the transfer did not complete until XX/XX/XXXX. 
XXXX. This theft was reported to XXXX XXXX Police, and they have opened an investigation into this theft. 
Please confirm that the case is re-opened for your review and resolution. 
Respectfully, 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 2023-11-17 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: NY

Complaint narrative:
Equifax refused to remove the negative, item, that's fraud last, four of account XXXX it shows 60 days late i, filed a federal trade commission identity theft report on file my social security number is XXXX, and also, XXXX theirs two, negative items that are fraud and trans unio their are three negative items I filed a federal trade commission identity theft report on file please have experian and equifax and XXXX XXXX removed these adverse items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-11-17 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-17 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation