vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Received a letter from Wells Fargo that I was enrolled in Identity Theft Protection without my consent. I was not given compensation in this letter. I was also given 60 days to respond, but was out of the country when the letter was received to my home. I want to make sure that I receive compensation for this breach of privacy.

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 2024-02-24 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I want an investigation done something is wrong with this bank I had a charge hit my account on Thursday XX/XX/24 Immediately when I saw the pending charge of {$31.00} I got up at like XXXX XXXX  and I went to the bank 's ATM and I Deposited More than enough to cover XXXX I deposited {$110.00}, {$50.00}, {$25.00} and {$31.00} To This Account To Cover My Charge and the negative balance on my account I covered it all when I finished I think I even did a transfer to make sure the balance was covered. 

It was literally deposited the same day before Noon On XX/XX/24 Thursday Friday XX/XX/24 I received notification that the payment of {$31.00} was being returned. I covered the payment and it should not have been returned. I Had just covered it the day before. 

I spent 2 hours speaking to a supervisor and she explained to me the cut off time would be like XXXX XXXX  that day and any deposits made at the ATM on the same day should cover the amounts and I would be fine. This is untrue, I did exactly what the " supervisor '' advised me to do and they still returned my payment. 

This time I took screenshots as proof. I would like this bank investigated I think they are purposely doing these things to incur additional fees for me I have advised them on several occasions that I am a woman with a XXXX  XXXX and I am living on a fixed income I can not afford to have all these fees when I am doing nothing wrong I will attach the screenshots, Nothing they tell you is consistent. They keep changing their rules and it is stressful and causing me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
A few years back I got a loan to pay for my XXXX  XXXX XXXX tuition, everything was fine and I had no problems. I recently applied to get a loan for XXXX XXXX XXXX  XXXX  tuition and it was denied due to collection accounts. The bureau that the lender used was XXXX. I immediately pulled my credit reports and sure enough there were two accounts in collections being reported. After careful review, I realized that the accounts did not belong to me and they were opened during the time that my personal information had been exposed. I had never obtained any goods or services from the companies. I contacted the credit bureaus and was advised that I needed to file identity theft disputes for these accounts, which I did. I filed a dispute, filed a police report and FTC report and submitted all the documents requested of me including a request to block the information/accounts in question. None of the information was blocked and 20+ days after my dispute, XXXX sent me paperwork that they had forwarded the information to the collection agencies for the collection agency to investigate. Thirty days after my dispute, XXXX sent me paperwork that the accounts had been verified as accurate. How can accounts that were open fraudulently, using me information be verified as accurate? 
Needless to say, my daughter was not able to attend XXXX  last semester due to the fact that I could not get the loan to pay for her tuition because XXXX is reporting inaccurate information on my credit report. 
I am in the midst of filing another dispute with the credit bureaus and collectors. I could just pay the debts so that my loan gets approved ; however, for me its the principal. Why would I pay for products/services that I did not request nor receive? 
Through all the polices, procedures, and legislation that Ive read about from the FTC, CFPB, and the actual credit bureaus, no matter what, it seems that the credit reporting agency can report anything submitted to them by a creditor and us consumers have no recourse. 
I have witness, notarized FTC affidavits, police reports, etc. What else do I need to do to resolve this issue? 
I am submitting my disputes again and hopefully this issue can be rectified before next semester. I just dont understand why the items in question cant be blocked until the reinvestigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am following up on my recent credit dispute and re-submitting my FTC report # XXXX for your attention. I am requesting assistance with the removal of the remaining inquiries on my Experian and XXXX credit reports. The specific inquiries I am asking to be removed are as follows : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I would appreciate an updated copy of my credit report, reflecting the removal of these inquiries, to be sent to the address I have provided.

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 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX, XXXX, & XXXX all show that I have two collections on my report. 

XXXX Original Creditor : Capital One Bank USA Balance : {$1700.00} Account # : XXXX Collection Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX Original Creditor : Capital One Bank Balance : {$1700.00} Account # : XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX XXXX Creditor : Capital One Bank Balance : {$1700.00} Account # : no account # given Collection Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX No phone # given Account ID XXXX XXXX All of the contact information for the Collection agency differs from bureau to bureau. No information is the same. When I called each number listed and spoke to an agent they weren't able to locate any of my information or debt owed. I'd notify them that I had the actual account ID to each bureau they report too & I'd get hung up on, every single time. 

Same goes for the other Collection Original Creditor is Credit One Bank XXXX : Account # XXXX Balance : {$1100.00} Collection Agency : Resurgerecve ( how it's spelled on report ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Experian Account # no account listed Collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Notice the phone # from XXXX on Collection # XXXX and the phone # from XXXX on Collection # XXXX that they are a MATCH. Different company names, same phone #. Same goes for the address on XXXX on XXXX # XXXX and XXXX on XXXX # XXXX, are a MATCH, different phone numbers, same address. 

Same thing. No account information can be found by any of the above listed Collection Agency on my account. 

If you look at my creditors you will see Credit One Bank XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Address matches exactly with the Collection Agency aka RXXXX XXXX XXXX XXXX XXXX 

How can a Creditor sale accounts to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Multiple different names, addresses, phone numbers, and states that they say are not the same entity.

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 2024-02-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am following up on my recent credit dispute and re-submitting my FTC report # XXXX for your attention. I am requesting assistance with the removal of the remaining inquiries on my XXXX and Equifax credit reports. The specific inquiries I am asking to be removed are as follows : XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I would appreciate an updated copy of my credit report, reflecting the removal of these inquiries, to be sent to the address I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MD

Complaint narrative:
Credit Karma deceptive practices- Credit Karma approved me for a refund advance but never deposited the money into my Credit Karma account. It appears Credit Karma does not ever intend to issue refund advances. Their only intensions are to get customers refunds. 

Credit Karma stated they never received my application, which is the reason why those advanced funds of {$1000.00} weren't deposited. 

Credit Karma charges high fees re : transfer funds into an outside debit card. 

When I tried to make purchases after my refund had been deposited, Credit Karma declined those charges. 

Credit Karma sends me an email stating a purchase of XXXX tried to go through. This is false. 

Credit Karma stated I tried to make a purchase for XXXX. This is false. 

I received an email stating my card has been locked. Credit Karma keeps locking my account. 

I did not lock my account, Credit Karma keeps locking it themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The IRS sent me a tax refund to my bank account on XXXX XX/XX/2024, and it is XXXX XX/XX/2024 and I still have no refund. The bank keeps saying itll be cleared in a couple hours but I am on day 2 of no funds available. They wont give me an explanation of why my funds are being held and when theyll be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report XX/XX/2024 and noticed two fraudulent accounts on my report. I disputed with transunion, XXXX  and XXXX and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

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 2024-02-24 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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