vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I looked at my report and i noticed there is innacurate information that is affecting my credit record, therefore I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX and XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/XXXX EXPERIAN received the letter and i haven't received any information from them. 

I looked at my report and noticed everything is still the same. 

and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 shall- ( i ) 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Experian really Haven't done anything to help me

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 2024-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This Complaint has to do with The ALPHAEON CREDIT CARD, THEIR PRACTICE XXXX XXXX XXXX & COMENITY BANK. 
WHILE HIDING BEHIND A XXXX REVIEW AND TAKING ADVANTAGE OF A SITUATION, IT IS MY BELIEF THAT XXXX EITHER WITHHELD INFORMATION THEMSELVES OR THE ALPHAEON WEBSITE XXXX USED WITHHELD INFORMATION THAT DENIED ME MY RIGHT TO MAKE A VALID FINANCIAL CHOICE. ( My Letters to XXXX XX/XX/XXXX XXXX, REVISED XX/XX/XXXX Letter Dated XX/XX/XXXX & XXXX 's Letter XX/XX/XXXX. 
I'm Asking that XXXX Be Ordered to Credit ALL Monies from the FAKE Account opened By Them Using My Signature on XX/XX/XXXX And Face Penalties for their Actions. That Includes Their Actions of the Morning of XX/XX/XXXX ( My XX/XX/XXXX Letter to XXXX ) That Included Me Opening My Eyes to Witness a Mask-less XXXX XXXX Lightly Coughing in My Face, Putting My Health at Risk.

I Want to State that a One Time Payment of {$300.00} Was Made to COMENITY CAPITAL Bank, Only to Give Me Time to Put Together a Letter of DISPUTE in Which They Responded by Supporting XXXX 's Actions ( CCB Letter of XX/XX/XXXX ). 
Regarding The " Receipt '' Based on the Missing {$300.00} Amount that Would Have Appeared on Their XXXX Statement and the Word Receipt Both of Which Would Have Alerted Me Not to Sign the Piece of Paper. I'm Asking that COMENITY CAPITAL Bank be Ordered to Close XXXX 's Fake Account, Refund Me The {$300.00}, And Their Alphaeon Website be Investigated for Transparency. 
Thank You for Any Help You Can Give Regarding This Matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2024-02-05 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: CA

Complaint narrative:
I am writing to bring to your attention a pressing matter involving TransUnion 's unjust stalling tactics in response to my legitimate credit disputes and the addition of erroneous accounts to my credit report. Despite my efforts to resolve inaccuracies directly with TransUnion, their refusal to address the disputes under the pretext of unidentified origin, coupled with the inclusion of false information, raises serious concerns and has significantly damaged my creditworthiness. 

TransUnion has, on multiple occasions, claimed an inability to respond to disputes, citing an inability to identify the source of the dispute. This unfair and obstructive procedure has allowed them to evade accountability for inaccuracies they willingly added to my credit report. The impact on my creditworthiness, stemming from the inclusion of accounts attributed to XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX is evident and deeply concerning. 

This stalling procedure is not only unfair but should be considered illegal, as it denies consumers the right to challenge and rectify inaccuracies on their credit reports. It is perplexing that TransUnion can readily add false information but hesitates to address legitimate disputes, leading to severe consequences for the affected individual. 

In light of these circumstances, I urgently request the Consumer Financial Protection Bureau to investigate TransUnion 's stalling tactics, the unjust refusal to identify the source of disputes, and the inclusion of erroneous accounts. I believe that immediate action is necessary to rectify these unfair practices and ensure that TransUnion is held accountable for their actions. 

Moreover, I wish to highlight that I am prepared to explore legal ramifications if necessary to protect my rights as a consumer and seek appropriate restitution for the harm caused

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 2024-02-05 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I received a warrant in debt on XX/XX/2024 to appear in court on XX/XX/2024 which is only 9 days away. On XX/XX/2024 I contacted XXXX XXXX XXXX, XXXX. and requested information validating the debt which included the original agreement I had with the original creditor, XXXXXXXX XXXX, which XXXX XXXX XXXX, XXXX. said they would send through email, in which they ( XXXX XXXX XXXX, XXXX ) agreed in which they then asked for my consent to send the information through email which I gave them permission to. On XX/XX/2024, I contacted XXXX XXXX XXXX, XXXX to follow up on why I didnt receive the information I requested through email and they told me that they dont have permission to send the information through email because it would be too large to send through email. I told them that I wouldnt get the information ahead of my court date and they said that it would be sent through regular mail and not email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally express my dissatisfaction with TransUnion 's handling of my recent dispute. On XX/XX/2023, I diligently mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ). In this letter, I requested a thorough investigation into several inaccurate items on my credit report, including accounts with XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a bankruptcy listing. 

Additionally, I raised concerns about incorrect addresses listed on my credit report. To aid in the verification process, I attached a copy of my photo ID, social security card, and a recent bill displaying my current address, ensuring transparency in confirming my identity and residence. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ), I received a response from TransUnion dated XX/XX/2023, stating, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response raises significant concerns, as it suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. According to the FCRA, when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It appears that TransUnion has not fulfilled this obligation.

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 2024-02-05 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: IL

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Wrong name on report : 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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated opening an account with XXXX XXXX XXXXXXXX XXXX and requested funds be transferred from my online JP Morgan Chase checking account. They debited my account by amounts less than a dollar and transferred them to XXXX and required me to indicate how much was deposited to verify my accounts which I did. 

When I had the accounts set up, I initiated transfers about XX/XX/29 of {$1000.00} from my Chase checking account and {$5000.00} from my Chase savings account to XXXX savings which they rejected and did not inform me of their actions. When I discovered what they had done, I contacted Chase to find out that they could not verify that I owned the XXXX accounts and removed the XXXX accounts from my online Chase website. They indicated that I must wire the amounts. When I attempted to wire the amounts they again stopped the wires because they said they suspected fraud. After talking with their " Fraud '' person, I attempted the wire transfer again ( after setting up the XXXX accounts on Chase again ) and the wire transfers went through on XXXX and XXXX. 

On XXXX, I initiated another transfer from my Chase checking account to my XXXX XXXX account which was rejected. They called me to verify that I was who I was, then rejected the transfer ( and again deleted the account on their website to which I was transferring money ) and told me I would need to wire the money. When I tried to wire the money a few minutes later, they froze my online account and I could no longer even see my online account. They required me to call a number to get it unfrozen. XXXX at this number was able to unfreeze my account. She told me to try to wire the money again but, if it did not work, to try another way to move the money. 

It seems that Chase does not want to have people remove money from their accounts and is going to great lengths to make it difficult to do so. I am moving my money because Chase only offers .1 % interest on savings accounts and XXXX offers a rate 46 times more. I have worked with Chase for many years and am so disappointed in their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XXXX I opened a joint account with my wife at the time with Wells Fargo Bank. We divorced in XXXX at which time she was responsible for the Wells Fargo account per the divorce decree. Checking my credit files with the three major credit bureaus this information from Wells Fargo is still being reported on my credit reports. 

I spoke with a representative at Wells Fargo on XX/XX/XXXX and we closed the joint account. The representative told me that the account will still be reported on my credit reports. If for whatever reason my ex decides not to pay or pays late this information will also be reported on my credit report. 

Although I dont anticipate my ex not paying it because she has paid it consistently for years it is still an outstanding balance and it is adversely affecting my credit score. The reason why I believe it is adversely affecting my credit score is because she makes the minimum payment. 

Recently, I always pay my credit card balances in full each month. I am trying to achieve the highest credit score possible. This Wells Fargo account is hampering my ability to achieve that goal.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This collection XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company that was reporting incorrect information on my credit report and asked them about the collection. I requested validation of debt or anything proving that this collection belongs to me. They said that they couldnt provide me with anything I gave them all the information for riding me and they said that none of the information I gave them match the collection account so they were going to remove this collection because clearly it was a fraudulent collection and they removed it from my credit report and then placed it right back on there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: KS

Complaint narrative:
This collection XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company that was reporting incorrect information on my credit report and asked them about the collection. I requested validation of debt or anything proving that this collection belongs to me. They said that they couldnt provide me with anything I gave them all the information for riding me and they said that none of the information I gave them match the collection account so they were going to remove this collection because clearly it was a fraudulent collection and they removed it from my credit report and then placed it right back on there

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 2024-02-05 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:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I'm complaining about my Costco Citi Card. They have closed my account citing missed payment reasons. I have never missed a payment for this card. As of XX/XX/2023 I have accumulated cash-back rewards in the amount of {$270.00}. They unfairly closed my account and did not pay me the reward amount.

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 2024-02-05 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: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
During the first of XXXX XXXX  we tried to buy a car to replace the one we lost in hurricane Ian. The dealership informed us that due to my poor credit score we could not borrow the money. My credit score has been consistently in the 800+ range so this was a shock to me. I found out that in XXXX of XXXX someone borrowed money from Affirm and bought five airline tickets from XXXX and flew five people between XXXX and XXXX, XXXX. The amount they borrowed in my name was {$690.00} from what I can gather. One of the people listed on the itinerary used my name. We did not have any knowledge of this. XXXX said an email was sent to me but I do not have any record of receiving one. I contacted Afirm and explained this. They said they would investigate it. Affirm latter told me that they investigated and that they believe that I did it. 

This is impossible due to the fact that my wife and I were in the United States at this time. In the end of XXXX XXXX  my wife and I drove to Florida to deal with the house we lost during hurricane Ian. We arrived in Florida during the first week of XXXX and remained their until we drove back to Michigan at the end of XX/XX/. I have phone records from XXXX verifying this. I also have witnesses that can verify this also. 

I have made several calls to Affirm to get this resolved. Most of the time I am unable to understand what they are saying due to their strong accent. I keep getting told it will be taken care of but nothing has. Affirm as now turned this over to a collection agency called XXXX. I need someone that can help me get this resolved please. I have been told that this will negatively affect my credit for seven years. Please advise me on what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation