vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received 5 emails in a row from Chase on Monday. It turns out somebody tried to fraudulently open both a checking account and a credit card in my name and then tried to change my personal information so it would come to them. The credit card side of Chase was helpful and assured me the account was closed. They would not provide a report number so i can't ask XXXX to put a watch on my account. 

On the checking account side, they continued asking for my personal information such as social security number, date of birth, address, etc... I explained i was not comfortable providing this information and that the credit card people were able to resolve this with just my name. 

After several rounds of them insisting i go to a branch or give them my personal information they hung up on me. They didnt seem concerned that a fake account was opened and is operating under my name. 


All i could get from them ID : XXXX ( the credit card side which seems resolved ) XXXX ( XXXX ) Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Wrong amount on the 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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX XXXX, N, Y, XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX. My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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 have disputed unauthorized account ( XXXX XXXX XXXX ) on my Experian credit report starting in XX/XX/2023. As of today, the XXXX XXXX XXXX XXXX account is still on my Experian report. Experian has failed to properly investigate this fraudulent account and continue even after I sent an FTC affidavit listing the account as fraudulent. This is also a violation of 15 USC 1681b permissible 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 explanation
Consumer complaint received 2023-09-13 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: TX

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft!! Please delete these items as soon as possible! 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vie rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: MOHELA
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-13 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: MD

Complaint narrative:
XX/XX/XXXX, there was a XXXX credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my Experian credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with XXXX ( the card company ). 

In XXXX, I started reporting the issues to Experian. Around XX/XX/XXXX, I contacted XXXX fraud and they said they would open an investigation. Since then, I have not heard from XXXX and my XXXX XXXX is still low and the Experian site still lists the card as having debt under my name.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was involved in a scam with my XXXX, transaction with Bank of America. An impostor from Bank of America called me and I interpret them to being real. I ended up transferring funds to reverse the transaction, but I ended up sending it to a scammer. Bank of America researched my claim and they rejected and didnt approve my claim. They told me that they couldnt recover the funds. This was a scam so they are responsible or the other party is responsible returning my funds. I contacted Bank of America and told him to reopen my claim, and to recover these funds.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-13 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It first started when my wife & I bought our car. We had to call to get our credit freezes removed temporarily in XX/XX/2023. I called on XX/XX/2023 to unfreeze my credit after unsuccessfully trying to do this on https : //www.transunion.com/credit-freeze. My credit freeze was lifted and I was issued a case # and told someone would call me back to assist me. Today XX/XX/2023 I tried to log into Transunion and could not, so I created another password and logged in. I still have the same problem when trying to freeze and unfreeze my credit. I called and spoke to someone in XXXX, XXXX, or wherever who could not answer my questions. I then proceeded to chat on Transunion after getting nowhere. This is the chat : You are now connected to XXXX. 
XXXX - XXXX XXXX Hello this is XXXX, we are having high volume of chats. I'll be assisting you as soon as I can. Thank you for your patience. 
XXXX - XXXX XXXX Hello XXXX, my name is XXXX XXXX. I want to know why I still do not have access to my credit freeze. I called on XX/XX/2023 and was suppose to get a call back to help me clear this up. NO return phone call. Today I could not log into my account so I created a new password. STILL I have no access to my credit freeze, WHY? 
You - XXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly. 
Info - XXXXXXXX XXXX I can see the situation was escalated, I do apologize you haven't been contacted yet. I will update the ticket. We have high volume of tickets at this moment XXXX - XXXX XXXX I want to know when you will resolve this problem not situation. 
You - XXXXXXXX XXXX  It's been handled by the specialist department, I do not know when it's going to be fixed. You can contact this number for an update XXXX & nbsp ;, they will connect you to them XXXX - XXXXXXXX XXXX  You mean the same customer services number that can not seem to answer anything either? 
You - XXXX XXXX They will connect you to the specialist department. 
XXXX - XXXX XXXX Can you tell me the ticket number from XX/XX/XXXX? 
You - XXXXXXXX XXXX Case # XXXX XXXX - XXXXXXXX XXXX thank you You I called the number I was given asked to be transferred to the specialist department. I spoke with XXXX who tried to assist me herself and I told her I have a case number gave her my case # and she immediately said she would transfer me to the specialist department. I was transferred to the and remained on an open line with no response from anyone when asking if anyone was there. Waited a few minutes getting frustrated and hung up.

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 2023-09-13 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: FL

Complaint narrative:
I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : [ XXXX ]. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account name XXXX XXXX XXXX Account numberXXXX REQUESTING REMOVAL OF UNAUTHORIZED INQUIRY XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXXXXXX XXXX  Inquired on XX/XX/2023

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 2023-09-13 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: GA

Complaint narrative:
XX/XX/13 @ XXXX XXXX I received alert that my credit score decreased by 13 points. After investigating on the Wellsfargo app, it shows that I have 5 late payments within 30 days and 5 late payments within 60 days. I checked my credit report on XXXX, XXXX, and XXXX and it show that I have 100 % on time payments within 3.5 years. I called Wellsfargo checking because I currently only have a checking account with them and NO credit card to confirm that someone else did not open a credit card in my name. The rep on the phone said she could not help me so she transfer me to credit card dep who then transferred me to recover account who then transferred me to the business dep. At that point the call got hung up without speaking to a reep. I clearly expressed I was concerned about fruad but none of the reps wanted to help correct the incorrect information showing on their end or confirm that there was no fraudulant activity on my account. 

I have reached out to wells fargo to seek resolution to the issue but no resolution was taken by wellsfargo.

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 2023-09-13 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: NC

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-09-13 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: OH

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities. 

Delete below accounts and inquiries from my consumer report immediately. 

Accounts : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  ANY OTHER NEGATIVE REPORTING ACCOUNT. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER INQUIRIESXXXX

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Since XXXX, been trying to get the title to the tag office. Leased the car from American Car Center and company went bankrupt. Westlake Financial took over payments with no title. Car has never been registered bc of the title. Westlake won't give answers and won't come get the car. Westlake cut the car off and locked it, but we ca n't drive the car. Payments have been made on the car, but no communication on how to satisfy the situation has fallen on death ears to include our local tag office and the state office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief