vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: NY

Complaint narrative:
" Dear Experian, I received your attached response to CFPB complaint number ( give your CFPB complaint XXXX ) XX/XX/year> ( whatever date you received that letter ) in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either 1. the request was made in error, 2. the request was based on a material misrepresentation, or 3. That I received goods services or moneys as a result of the transactions I am seeking to block. Your letter fails to tell me the source of the information you relied on in making such a determination. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number ( give your original CFPB complaint number ) as well as a written response from you which verifies the source of information you relied on in either granting or denying my request as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which that source was contacted in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your reinvestigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain. ''

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 2024-05-26 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: FL

Complaint narrative:
I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. 

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX  VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$710.00} XXXX XXXX XXXX  VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXXXXXX XXXX XXXX  VALIDATION OR DELETE {$5.00}, XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00XXXX XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to 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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened a claim with Fargo claims assistance center to get a refund for me purchasing a city pass for XXXXXXXX XXXX  while on vacation however they had me purchase a child ticket but the child was unable to attend due to it being a policy of no children I had requested a manager to give me a refund and I was getting was a the run around i then called Wells Fargo to step in and see if they can assist me with obtaining my funds back I have been in contact with Wells Fargo several times I even have emails I can can cross reference dated back to XX/XX/year> I received a confirmation response I have also talked to Wells Fargo claims assistance center serval times to check in on this claim they asked for more information and it was a series of questions that needed to be answered I answered those on a recorded phone call I am not working right now so with Wells Fargo trying to take back XXXX from my account will leave my account in a negative standing

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 2024-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I'm unaware of this debt, I didn't have a opportunity to dispute this information if in fact you believe y'all gave me the proper notification then please send me the Certified receipt with my name on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information.

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Affirm * Account Number : XXXX  Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt.

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, 1. ) XXXX XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) 2. ) XXXX XXXX XXXX  XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). 
I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company. I got the investigation back but noticed nothing was modified or updated, according to 15 USC 1681i ( 5 ). I want to Sue for Neglect and deceptive practices for reporting these inaccurate accounts. I want Monetary relief for all these violations because they are causing harm and denials on my credit, due to Equifax conducting a proper investigation like I asked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in May 2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Old National Bank * Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2024-05-26 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: FL

Complaint narrative:
I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. 

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX  VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$710.00} UXXXX XXXX XXXX VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXX XXXXXXXX XXXX VALIDATION OR DELETE {$5.00}, XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00} XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to 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 explanation
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$710.00} XXXX XXXX XXXX  VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$5.00}, XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00} XXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Since XXXX the majority of my monthly payment has been Applied to Interest for Nelnet and very little towards principal. I was told my payments only have another month of interest payments to go and then payments will start applying towards the principal. Ive been making payments since 2017 and in a month my payments will be applied to principal which was the reason for this consolidation in the first place. So now, Im starting all over again to pay {$42000.00} in student loans. Everything paid since XXXX has been applied to interest. This consolidation was and is a scam. Ill be paying this out of retirement funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Entrata Inc.
State: AZ

Complaint narrative:
I requested the XXXX XXXX to provide documents of the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is not holding up to the law by not responding with my investigation results within a reasonable time. 
On XX/XX/2024, I wrote to Experian requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from Experian or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I wrote again and requested a reply within a reasonable amount of time.

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 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OR

Complaint narrative:
XXXX owns XXXX XXXX XXXXXXXX in XXXX. They held XXXX for room incidentals. My daughter had XXXX there. We traveled home and I couldnt work. Cash app said the hotel hadnt released it. I called the XXXX and XXXX who confirmed it was released the day I checked out. Then cash app said to get something with the XXXX letterhead and address with a XXXX balance and they would release. I cant ever get a XXXX but the few times I did they would say the same thing- I told them XXXX times and resent the invoice and they still wont release the funds. They just drag it out until its released at the XXXX day mark I think - no one will help me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inquiries such as : Falsely Reported Personal Information & Address - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 [ # XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: MI

Complaint narrative:
Multiple inquires on my account were all made within the same month before I locked my accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I locked my accounts immediately following and requested they be removed. Caller on other end said it was not there responsibility. These inquiries are not mine and I never approved of them. FCRA, requires these unverified and unauthorized items must be-removed.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation