vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has been asked to run Correct FCRA XXXX for XXXX, XXXX and XXXX. These accounts have already been ran with XXXX and correctly removed. Equifax has been provided with the correct information and yet still refused to run correct XXXX. Attached are the files removed from XXXX as they should be removed by Equifax as well if they ran the correct XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has taken the funds from the check writers account the day after I submitted the check through the ATM, they have since been withholding my money which is causing undue XXXX for myself and the check writer as we have been unable to access the money and she had to go back and forth to her bank only to find that the funds were taken from her account and not released to me. She is XXXX XXXX XXXX and has XXXX and is unable to get around without assistance and was terrified to think I did not get paid for the work already done and she was fearful I would not return to work because Wells Fargo lied and said there were problems with HER XXXX XXXX which is false. 
Wells Fargo lied to gain access to my XXXXy via my XXXX XXXX XXXX  and is unlawfully withholding the funds. I was given at least XXXX conflicting stories as to why the funds were not released to me and this is unacceptable due to Wells Fargo having a history of unlawful business practices and has been sued in the past for unlawful practices and they seem to keep doing this. The explanation given is false and they did not resolve the issue satisfactorily- they have unlawfully withheld funds from me and caused XXXX  they somehow benefit from doing this to their customers as evidenced by the recent lawsuit they lost A federal class action lawsuit claims that Wells Fargo XXXX XXXX XXXX and XXXX XXXX XXXX by delaying to send wire transfers and delaying to make deposited funds available for excessive periods of time in order to generate interest on the funds ( This is from the class action website and this is recent- Wells Fargo is XXXX XXXX their employees to engage in 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my XXXX XXXX and noticed an account that was not accurately reporting. I had XXXX late payments on an account ( XXXX ) that I was in fact paid on time. The XXXX XXXX XXXX need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my XXXX  to this complaint on the following dates XX/XX/year>, XX/XX/year>. I am now requesting you XXXX this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.

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 2024-08-10 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 recently reviewed my XXXX XXXX and noticed an account that was not accurately reporting. I had XXXX late payments on an account ( XXXX ) that I was in fact paid on time. The XXXX XXXX XXXX need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my XXXX to this complaint on the following dates XX/XX/year>, XX/XX/year>. I am now requesting you XXXX this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I would like XXXX to remove the filing as it creates a XXXX of impairment and does not promote equality in the social economic venue of personal contracts and unalienable rights devoted to the consumer account violation of the following with consent to remove from the consumer is willful intent to injure and neglect the following complain under XXXX usc XXXX fair credit accuracy and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you for this time regarding the accounts listed below that continue to appear on my credit report. Despite my repeated attempts to have these inaccuracies corrected, these accounts remain on my report, negatively impacting my credit score and causing me undue stress and hardship. I am once again formally requesting that these accounts be permanently removed from my credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to ensure the accuracy of the information they report. These are the following accounts : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX* Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to urgently request the removal of fraudulent items from my credit report. Despite my previous efforts to resolve this matter, these items remain on my report, causing significant harm to my credit and financial well-being. I have repeatedly provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. This documentation clearly shows that these accounts were opened without my authorization and are not my responsibility. I have also been in continuous communication with your agency, yet these fraudulent items remain unaddressed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the 3 credit bureaus 's legal obligation to remove any information that is found to be inaccurate or fraudulent. I demand the immediate removal of these fraudulent accounts and any related inquiries from my credit report. The fraudulent items in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to urgently request the removal of fraudulent items from my credit report. Despite my previous efforts to resolve this matter, these items remain on my report, causing significant harm to my credit and financial well-being. I have repeatedly provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. This documentation clearly shows that these accounts were opened without my authorization and are not my responsibility. I have also been in continuous communication with your agency, yet these fraudulent items remain unaddressed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the 3 credit bureaus 's legal obligation to remove any information that is found to be inaccurate or fraudulent. I demand the immediate removal of these fraudulent accounts and any related inquiries from my credit report. The fraudulent items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> tenant XXXX XXXX sent {$1000.00} RENT payment to my Wellsfargo account via XXXX tenant says that this was mothers account and daughter didn't tell her ( it was ok with mother ) on XX/XX/year> same tenant XXXX XXXX sent another {$750.00} RENT payment via XXXX to my wellsfargo account - no problems however when mother disputed the {$1000.00} XX/XX/year> payment WELLSFARGO SUSPENDED MY account WHEN i CALLED wellsfargo they indicated that trasferror filed complaint I asked why they did they send XXXX payment next day - crickets - ie no response Wellsfargo has rufused to this day to put the {$1000.00} into my account It is pure THEFT by bankster

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 2024-08-10 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: TX

Complaint narrative:
ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During a recent review of my credit report, I found several fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ), I request that you delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts.

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 2024-08-10 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: NJ

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-10 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: PA

Complaint narrative:
This is my SECOND NOTICE disputing American Heritage # XXXX that is inaccurately reporting a XXXX XXXXXXXX Balance on a credit card with a {$5000.00} Credit Limit XXXX 
DELETE this inaccurate information from my Equifax credit report immediately. 
For some unknown reason my FIRST DISPUTE was VERIFIED! 
Again, DELETE this INACCURATE account from my credit report immediately. 
I received a response that my FIRST dispute was VERIFIED via CFPB portal on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: KY

Complaint narrative:
Re : Dispute of Late Payment on Closed Account I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : FB & XXXX - Date of Alleged Late Payment XXXX, XXXX This account was closed and paid in full on XX/XX/year> I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.

I have attached documentation supporting my claim, including : - Proof of payment and account closure - Copy of credit report highlighting disputed information Please investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed. 

Thank you for your prompt attention to this matter. 

Sincerely : 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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, please see supporting documents for my dispute

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 2024-08-10 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: TX

Complaint narrative:
Good day, please see supporting documents for my dispute

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has been asked to run Correct FCRA dispute for XXXX, XXXX and XXXX. These accounts have already been ran with XXXX and correctly removed. Equifax has been provided with the correct information and yet still refused to run correct disputes. Attached are the files removed from XXXX as they should be removed by Equifax as well if they ran the correct disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: VA

Complaint narrative:
I recently obtained a copy of my credit report and noticed fraudulent account listed. These account are negatively impacting my ability to obtain credits. Please remove them from my report as soon as possible.

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 2024-08-10 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting information that does not belong to and it has hinder my reputation for any credit I have not filed any bankruptcy or applied for bankruptcy yet it is showing on my credit causing denials. I have paid all debt in full there are also information shown on profile that has been on there more than 7 years

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
XXXX is reporting information that does not belong to and it has hinder my reputation for any credit I have not filed any bankruptcy or applied for bankruptcy yet it is showing on my credit causing denials. I have paid all debt in full there are also information shown on profile that has been on there more than 7 years

Company response to consumer: Closed with explanation