vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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 2024-10-30 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Information reporting on my credit report is incorrect! In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights Section 605B. It is illegal to report information on my credit report without my permission. A charge off is being reported on my credit report which I haven't received a 1099 c form stating that the debt is cancelled. If the debt was cancelled why is there a balance on my account which is reporting as income on my credit report which is illegal!

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$22000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met 30 Past due 30 days

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 2024-10-30 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: MD

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  and XXXX XXXX XXXX regarding an account ending in XXXX with a balance of {$1500.00} that was sold to XXXX XXXX XXXX, as confirmed by XXXX XXXX XXXX  on XX/XX/year>. Despite this sale, XXXX XXXX XXXX  tradeline remains on my credit report as a charge-off, which inaccurately reflects my financial obligations and negatively impacts my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and as XXXX XXXX XXXX  no longer owns the debt, I am requesting that the CFPB intervene to have this tradeline removed entirely. XXXX XXXX XXXX has also failed to verify the debt adequately under the Fair Debt Collection Practices Act ( FDCPA ), further supporting the need for complete removal. Thank you for your attention to 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 explanation
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  and XXXX XXXX XXXX regarding an account ending in XXXX with a balance of {$1500.00} that was sold to XXXX XXXX XXXX, as confirmed by XXXX XXXX XXXX  on XX/XX/year>. Despite this sale, XXXX XXXX XXXX  tradeline remains on my credit report as a charge-off, which inaccurately reflects my financial obligations and negatively impacts my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and as XXXX XXXX XXXX  no longer owns the debt, I am requesting that the CFPB intervene to have this tradeline removed entirely. XXXX XXXX XXXX has also failed to verify the debt adequately under the Fair Debt Collection Practices Act ( FDCPA ), further supporting the need for complete removal. Thank you for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX XXXX and XXXX XXXX XXXX regarding an account ending in XXXX with a balance of {$1500.00} that was sold to XXXX XXXX XXXX, as confirmed by XXXX XXXX XXXX  on XX/XX/year>. Despite this sale, XXXX XXXX XXXX  tradeline remains on my credit report as a charge-off, which inaccurately reflects my financial obligations and negatively impacts my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and as XXXX XXXX XXXX  no longer owns the debt, I am requesting that the CFPB intervene to have this tradeline removed entirely. XXXX XXXX XXXX has also failed to verify the debt adequately under the Fair Debt Collection Practices Act ( FDCPA ), further supporting the need for complete removal. Thank you for your attention to 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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or un
verifiable 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. 



Please remove the following items from my credit report, immediately : Experian : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX  XXXX XXXX  {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX : XXXX {$4300.00} Account Info Account XXXX XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
My mother held a checking account in XXXX at the Wells Fargo in Wyoming. My mother was XXXX XXXX XXXX at the time and there was an awareness of her condition at the time the account was opened. My father was listed as spousal beneficiary. My mother passed in XXXX XXXX XXXX. The bank was notified and the account was closed. Years passed and my father was sent a check for the balance that he did not have the opportunity to deposit prior to his death in XX/XX/XXXX. The bank was contacted. We requested the check be reissued to the estate. Relevant documents were provided - death certificates for both parties. A copy of the trust. A copy of the court assigned executor of the estate. Well Fargo failed to clarify their process and told us that as the result of a deadline the check had been sent to the state of Massachusetts. I have tried to engage the state of Massachusetts about the check but it does not appear to have been issued to the state. It does not appear in searches under my parents names. I would like information about what happened to the check.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been trying for over a month to get fraudulent reporting off of my credit report. I filed one dispute, thinking that I could go back and file another, when in reality. You have to wait up to thirty days until the one dispute is closed, before you can file another. Also, now that the first dispute is clear, now I get an error message every time i log in to try and file a dispute. 

It makes no sense that I can't get see my credit report, there's always an error message, I can't file a dispute, because there's always an error message. Then when I talk to support, the have me to send screenshots of the message to some email address, only to get a response that they can't help with the issue. My transunion credit report is riddled with fraud, and I've gotten XXXX and XXXX both cleared up, I've had it. Something needs to be done. In addition to that, if you need to submit additional documents. They want you to mail them in, there's no online upload feature, no fax, or email. IT IS NOT 2004!!!!!!!!!!!!!!!!!!

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 2024-10-30 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: U.S. BANCORP
State: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to XXXX XXXX XXXX. In my credit report from XX/XX/2024, I still found the derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Friday, XX/XX/year>, I went to Wells Fargo in XXXX, NC to cash two checks totaling {$170.00}. I received my cash and left. Later that evening, I checked my account on the Wells Fargo mobile app and noticed that {$1000.00} was withdrawn from my account that day at the bank location. So, on Monday, XX/XX/year>, I went to the bank and talked with a banker named XXXX XXXX. He did some research and told me that he found the error and stated that the error was a banking error and no fault of my own. I asked for that in writing and he declined. He then informed me that the issue would be resolved by the end of the business day. He gave me a reference number for my complaint that he filed on my behalf ( ref. no. XXXX ) XXXXXXXX XXXX XXXXXX/XX/year>, the issue was not resolved so I went bank to the bank and talked to XXXX XXXX XXXX the branch manager. He did more research and also informed me that this was a banking error and no fault of my own. I asked for that in writing and he also declined. He then informed me that the issue would take up to 10 business days from the error which would be Friday, XX/XX/XXXX. However, on Tuesday, XX/XX/year>, XXXX XXXX called me and told me that nothing had been resolved and that the issue will not be solved until XXXX XXXXXXXX XXXX. I asked for a credit since this error was not my fault and he declined.

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 monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX SS : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> To Whom It May Concern, I do not believe the credit report is valid. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond over 34 days. Do not delay any further, remove all disputed accounts now.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ten ( 10 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I took out a car rental in XXXX on XX/XX/XXXX and got into an accident with the rental, when I opened the claim I was told I need to send them several documents including a police report so I sent them all the documents excluding the police report and advised them that at the accident I called the police but no police showed up and I actually waited for like 5 hours on the side of the highway until the rental company brought me a replacement vehicle... so amex told me that I wouldn't need a police report being that I don't have one, at one point they emailed me that they have almost approved the claim just didn't find the charge associated with me paying for the rental with that card but then they found it ever since I've been getting emails from them saying that they need a police report and after I call them they say that they will waive it and approve the claim but the same joke keeps on happening ... .. get emails, call, repeat .... 

Update XX/XX/XXXX XXXX told me that claim is in adjuster review and I should ignore the emails for police report and should wait patiently which I've been doing for 4 months now approximately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-30 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: GA

Complaint narrative:
As per the guidance from the consumer financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 40 -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX opened XXXX, XXXX, XXXX XXXX XXXX XXXX  opened XXXX. XXXX, XXXX, XXXX / XXXX open XXXX XXXX, XXXX XXXX XXXX  XXXX open XXXX XXXX, XXXX, XXXX XXXX XXXX open XXXX XXXX, XXXX XXXX XXXX open XX/XX/XXXX, XXXX XXXX XXXX GA open XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXXXXXX XXXX XXXX  open 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