vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Can I called XXXX XXXX at for my XXXX XXXX card? I called them and I discussed with them making a payment. I made a payment of {$47.00}. They told me that all I had to do was call back after I made the payment and it would prevent me from having a bad standing with them on my credit report. Then today I get notified that my credit score just dropped XXXX points because of them and I already made that payment and now they told me when I called him this morning that I have to write a letter to them this could take two more weeks or more to get this resolved. In the meantime, my credit score has plummeted another XXXX points and I dont feel thats fair thats not what they told me when they told me that they made that {$47.00} payment they told me it would be in good standing after that now its not and I need some help with us because I dont have time being sick like I am and permanently disable to write letters and wait for the responses and things when they made false promises in the beginning.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXXr 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On Equifax ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX 60 days late, XXXX 90 days late, XXXX 60 days late, XXXX 120 days late, XXXX 90 days late, XXXX 60 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXX 30 days late, XXXX  90 days late, XXXX 60 days late, XXXX  30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate XXXX late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXX 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX 60 days late, XXXX 90 days late, XXXX  60 days late, XXXX 120 days late, XXXX 90 days late, XXXX  60 days late On Experian ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX 30 days late, XXXX  90 days late, XXXX 60 days late, XXXX 30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, 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:
It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. XXXX Fraud can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to XXXX Fraud Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
https : XXXXXXXX XXXX  This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity 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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX was unfunded and I still have not received my money back struggling with this XXXX to refund my money has been very difficult Please Help. They stated that they do not have a process to refund the money and this is very concerning wondering how many other customers they have done this to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlantic Recovery Solutions LLC
State: CO

Complaint narrative:
Atlantic Revovery Solutions has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at XXXX balance and that I should report Atlantic Recovery Solutions to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2023 XXXX  Reporting these individuals for unprofessional activities in settling my account since I left the XXXX XXXX, Washington. 

XXXX??? asking for my SS over the phone on the last Saturday of XXXX Also, XX/XX/XXXX, XXXX call came in at XXXX and I was informed she was XXXX go close my continous on going MAJOR ISSUSES because Wells Fargo continues the existing fraudulent banking activities. 
Why was I asked by the individual that new accounts under my name exist in XXXX? How many accounts were opened XXXX. I have a right to know. 
That Wells Fargo female employeee never informed me. 


$ $ Since you never ask for or give your SS over the phone in resolving my complaints of the related issues of my identity which, I have legally established in Wells Fargo XXXX. $ $ I went into a branch XXXX XXXX XXXX XXXX ... ... SHE IS VERY UNPROFESSIONAL and would not help me, because she didn't want to go into my box of documents WELLS FARGO has sent me to verify the any documents on the time clock while she is employed at WELLS FARGO! I was the only PERSON IN THE BANK! HER CONCERN WAS EATING LUNCH! And removing me because I was going to bring my documenta into the branch, which I HAVE A RIGHT TO! 

I NEVER ASKED THIS WOMAN TO GO INTO MY DOCUMENT BOXES!!! 
WHY IS SHE WORRIED ABOUT HER LUNCH? 
XXXX XXXX ACCUSED ME FALSELY WHEN THIS IS REQUESTED BY WELLS FARGO and the FEDERAL GOVERNMANT? PLEASE NOTE HER FACIAL JESTURES AND HER IMMATURE CUTESY UNPROFESSIONAL BODY MOVEMENTS WITH SMILES TO ANOTHER BANKER ARE UNWANTED AND IS HER FORM OF HARASSMENT OF A CUSTOMER WITH DIAGNOISED XXXX  IS AGAINST THE LAW! 
HOPEFULLY THIS ILLEGAL ACTIVITY NEEDS TO BE REPORTED TO THE CONSUMER FINANCE COMPLAINTS REGARDING HER HARASSING ARGUMENTITIVE AND LACK OF MANAGEMENT HELP. 

While in the bank a XXXX Supervisor called while I was there discussing I would bring in my legal box, because XXXX still to this date XX/XX/2023 hasnt resolved any issues. 

XXXX XXXX XXXX. in XXXX agrees with me. CALLED XXXX PLEASE INVESTIGATE THE XXXX SETTLEMENT ... ... XXXX never closed any accounts and per this legal documentt by the AAA dated XXXX XXXX. I HAVE A LEGAL RIGHT TO RECEIVE MY CASH SETTLEMENT. 

Once again I was involved in the WELLS FARGO Fraudulent and as I have expressed for years on end PLEASE STOP COVERING UP THE EVIDENCE THAT I HAVE SUPPLIED TO YOU.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase XXXX Account # XXXX Chase sent me promotional email on XX/XX/XXXX that any purchase of over {$100.00} can be split in payments without fees and interested until XX/XX/XXXX. 
Than when I made two purchases on XX/XX/XXXX that wanted to split using this promotion offer, their reply was they can take away this promotion for any reason. Nothing changed on my account, yes they can take it away from my account for any reason but they need to inform me by phone, e-mail, regular mail that they took it away or that my account no longer eligible for that offer!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On Transunion ( Inaccurate 2 late payments reported ) in 2020 - XXXX - 30 days late, August 60 days late On XXXX ( Inaccurate 1 late payment reported ) in 2020 - July 60 days late On XXXX ( Inaccurate XXXX late payments reported ) in 2020 - XXXX - 30 days late, July 60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I noticed that XXXX, XXXX and Chex Systems Inc were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( XXXX, XXXX and Chex Systems ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. Equifax is reporting 3 XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. The account have been charged off since JanuaryXX/XX/2018. I have requested this consumer reporting agency to remove these accounts and they have refused. 

15 U.S.C 1681 section 602 A states I have the rights to privacy. 
15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports. 
15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement It has been over 30 days without any response from equifax.

Company response to consumer: Closed with explanation