vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-19 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: Self Financial Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$0.00} SELF / LEAD XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXXF Account Number : XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXX Experian : XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2024-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have tried multiple online retailers to use my card and it keeps getting declined. I have sufficient funds to pay for these purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES 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

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-19 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 want the accounts listed deleted. the accounts are affecting my ability to obtain credit. 
XXXX account # XXXX date opened XX/XX/year>. It shows close on XXXX and experian but open on XXXX. doesn't have the correct date it was open.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 

Upon further investigation, I realized that my personal Information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Subject : Request for Reclassification of Dispute Numbers Dear [ Recipient 's Name or Department ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent. Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards. It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details. Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. Best regards, 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 2024-12-19 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: TX

Complaint narrative:
There are errors on my credit report related to unauthorized hard inquiries, which violate 15 USC 16c-2. Please remove them as they are negatively affecting my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXX/XX/year>

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 2024-12-19 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 want the accounts listed deleted. the accounts are affecting my ability to obtain credit. 
XXXX account # XXXX date opened XX/XX/year>. It shows close on transunion and XXXX but open on XXXX. doesn't have the correct date it was open.

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 2024-12-19 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 want the accounts listed deleted. the accounts are affecting my ability to obtain credit. 
XXXX account # XXXX date opened XX/XX/year>. It shows close on XXXX XXXX XXXX but open on equifax. doesn't have the correct date it was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I believe I am a victim of identity theft because someone stole my social security number. I'm dealing with unauthorized cosigning on car loans affecting my credit report. There are currently several cars registered to my name showing as property without my knowledge nor permission to be put on lease. XXXX mentioned XXXX and the parties responsible however, I'm unable to track the others. Credit bureaus refusing to help regarding this matter. XXXX XXXX XXXX XXXX could potential lender. I filed a police report as well to get this investigated. 

Please assist! Account

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I was in XXXX in XXXX, and the rental car company charged me an extra {$810.00} for damage to the car that I didn't cause. I presented video evidence showing that the damage was there when I picked the car up, and they still took a deduction from my security deposit for it. I disputed this charge with Wells Fargo ( Dispute # XXXX ) on XX/XX/XXXX when I returned, and was told that I would be notified of any developments in the process. I never received any further correspondence, or a final decision, but my card was charged the full amount on XX/XX/year>. When I called Wells Fargo about this, they told me that the merchant had presented compelling evidence to support that this charge was warranted, and they had denied the dispute and closed the case. This was all done without notifying me, and never in the entire process did they give me an opportunity to present my video evidence proving that this was an incorrect and unjust conclusion. When I mentioned this on the phone, they told me that there was nothing they could do, despite their website clearly stating that there was an appeal process for cases like this. When I called back and spoke with a supervisor, they immediately reopened the case, but still never asked or gave me an opportunity to submit my own evidence. They promised that they would have an answer within 30 days from today ( XX/XX/year> ), and I have a recording of that phone call. Attached are the photos of the car when I picked it up, if that is helpful. Please let me know if there are any more documents or statements that would be helpful for this case.

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 2024-12-19 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:
The XXXX  XXXX data breach exposed my sensitive personal information, including my Social Security number and financial details. This has caused significant concern about my financial security and identity protection. 

In response, I have taken measures such as enrolling in credit monitoring, placing a credit freeze, setting up fraud alerts, and monitoring my financial accounts closely. I urge XXXX to maintain its commitment to supporting affected individuals and strengthening data security practices to prevent future breaches. 

Sincerely, 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 2024-12-19 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: GA

Complaint narrative:
The XXXX  Equifax data breach exposed my sensitive personal information, including my Social Security number and financial details. This has caused significant concern about my financial security and identity protection. 

In response, I have taken measures such as enrolling in credit monitoring, placing a credit freeze, setting up fraud alerts, and monitoring my financial accounts closely. I urge Equifax to maintain its commitment to supporting affected individuals and strengthening data security practices to prevent future breaches. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
The XXXX XXXXXXXX data breach exposed my sensitive personal information, including my Social Security number and financial details. This has caused significant concern about my financial security and identity protection. 

In response, I have taken measures such as enrolling in credit monitoring, placing a credit freeze, setting up fraud alerts, and monitoring my financial accounts closely. I urge XXXX to maintain its commitment to supporting affected individuals and strengthening data security practices to prevent future breaches. 

Sincerely, 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 2024-12-19 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: TX

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting acXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
You are reporting this account as a open account which it is not under FCRA compliance. This so inaccurate reporting and needs to be removed immediately. Please send me a complete copy of my credit report once this deletion has been 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have several inquiries on my credit report, I think they are trying to get credit cards in my name, I have a police report and I need those inquiries to be removed since I did not make them, I have called the banks and they will not remove it from my credit, inquiries appear and it affects my credit. I need it removed please.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: SC

Complaint narrative:
I did 2 payments in XXXX {$1000.00} on XX/XX/2024 and {$4100.00} on XX/XX/2024. 
These 2 payments paid the account off in full. However, Upgrade never reported the pay off. I disputed the account thru all 3 Credit Bureaus but Upgrade keeps verifying the balance owed of {$5100.00} and not reflecting the last to payments. I have traded 6 emails with them since XX/XX/2024 of which they claim they have reported and allow 10days to reflect.

However, They still have not corrected and I just disputed again and they verified again on XXXX have attached responses from XXXX and XXXX from XX/XX/2024 showing Upgrade is still verifying incorrectly and not even reporting the last 2 payments accurately.

I have also attached a screenshot of the email XX/XX/2024 stating they have corrected but as you can see from the responses from XXXX and XXXX they never did. I have also disputed thru XXXX and they verified as well.

I am hoping filing this complaint will get this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an identity fraud claim with a capital one stating that I never opened that account and adding that I was hospitalized at the time of the account opening which makes it impossible for me to open that account if I was in a coma. I provided hospitalisation documents as well as police reports and clearly explained the severity of this case. They were very unprofessional so they stopped correspondence with me and then all of sudden reported the account to the bureaus damaging my credit history badly and also did it in error by charging it off. I demand that are held responsible for their action and removing any negative remarks from my name because I have all the proof to go after them legally if I wanted to.

Company response to consumer: Closed with explanation