vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have repeatedly disputed this information with the credit reporting agencies as fraudulent. The debt collector verifies as accurate but when I attempt to contact the debt buyer they cant find any account or collection in my name, social security number, birthday, nothing. Yet they continue to report it to credit reporting agencies as valid. Ive also submitted police and FTC reports which they ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo perpetrates financial misinformation and falsely asserts my mortgage was delinquent for only XXXX XXXX months. 
Consequently, Wells Fargo will only allow the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) to award only {$6000.00} to assist with my Mortgage. 
I deserve much more than {$6000.00} as my mortgage was delinquent for longer. 
Wells Fargo never awarded any financial help during Covid-19 when Wells Fargo should have awarded a Deferment by law.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report XXXX weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( XXXXXXXX XXXX they denied reporting such information and XXXX had refused to delete such information XX/XX/24 I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted XXXX XXXX twice and was told they did not report this information to experian. spoke with XXXX who said they will not remove them unless XXXX told them. I have been playing like a yo-yo.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report XXXX weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( XXXX XXXX  they denied reporting such information and XXXX had refused to delete such information XX/XX/year> I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted XXXX XXXX  twice and was told they did not report this information to experian. spoke with XXXX who said they will not remove them unless XXXX told them. I have been playing like a yo-yo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I see unauthorized inquiries on my report and also accounts that been open in my name that i never had or applied or authorized anyone to had, these are fraudulent : Hard Inquires XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX Collects Accounts unauthorized XXXX XXXX XXXX XXXX. 
Opened XXXX {$470.00} XXXX XXXX Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was asked to send money to invest in XXXX and when it started to show a profit, the money disappappered. I made several attempts to get a hold of these companies to no avail.I will send attached documents for more details

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX XXXX - XXXX, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - 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 non-monetary relief
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
Experian Dispute Specialists have altered my disputes on several occasions to my disadvantage despite my written proof of the error provided by the account servicer. Their practices are illegal and violate my consumer rights. 
According to Experian : All documentation will be reviewed by an Experian Dispute Specialist. If the documentation can be validated as relevant to your dispute, we may use it to update your credit report or it may be shared with the data furnisher for the purpose of processing your dispute. Your original dispute may be modified and/or a new dispute may be opened in light of the information you provided. You will receive notifications if the original dispute is modified and/or a new one is opened. 
I have provided proof that my account was in deferment as it should have been according to the provisions of the guarantor. However, the information remains.

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 2024-02-22 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: LA

Complaint narrative:
I am writing to express my concern regarding discrepancies found in my recent credit report, which I reviewed on XX/XX/2024 ( Experian report number XXXX ). As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Upon reviewing my credit report from Experian, I discovered multiple inaccuracies pertaining to my name, address, and employer. These errors are concerning as they can have significant implications for my financial standing and opportunities. Enclosed with this message is a copy of the letter I addressed to Experian on XX/XX/2024, outlining the specific inaccuracies and providing correct information. 

I am reaching out to the Consumer Financial Protection Bureau to request your assistance in addressing this matter promptly and effectively. It is imperative that Experian rectifies these inaccuracies in accordance with the FCRA guidelines to ensure the integrity and accuracy of my credit report. 


I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this issue and ensure that Experian complies with its obligations under the FCRA. I kindly request regular updates on the progress of this investigation and any actions taken to resolve the inaccuracies in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2024-02-22 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: CL Holdings LLC
State: SC

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AR

Complaint narrative:
I disputed this fraudulent accounts multiple times with Experian and they kept ignoring my request. So, I'm filing a compliant against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed a unauthorized account. Please remove this immediately as it does not belong on my report, and it is affecting my quality of life. I am being denied because of this inaccurate UNAUTHORIZED account and this need to be removed 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MA

Complaint narrative:
I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report 2 weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( ED finances they denied reporting such information and XXXX had refused to delete such information XX/XX/24 I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted Ed finances twice and was told they did not report this information to XXXX. spoke with XXXX who said they will not remove them unless ED told them. I have been playing like a yo-yo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-22 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-02-22 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
During XX/XX/XXXX, I received a text message validating that I had apply for something, but since identity theft is very common via text messages I did not open the text or link provided in the message. A mont after that XX/XX/XXXX, I decided to look at my credit report in XXXX XXXX app and I had a notification that my score dropped because of a few new inquiries in my credit report. 
XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have not make any inquiries on my credit report since XXXX because I'm not looking to purchase anything at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IN

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2024 I checked my email after being away for XXXX XXXX XXXX  weekend and saw that I received an email from CapitalOne on XX/XX/2024 at XXXX stating that I had a payment due. I rarely use this card, so I only visit the CapitalOne site when I get notifications. When I went onto the the site at XXXX, I saw that my {$39.00} annual fee was due on XX/XX/2024 and because I missed the payment date by 14 hours, I was charged a late fee of {$25.00}. 

I immediately called CapitalOne customer service. I asked that since I am meticulous about not missing payments ( I am very on top of this in all of my accounting ) can that {$25.00} fee be forgiven? I also stated that I don't think that 5 days, only 2 of them business days with the XXXX XXXX XXXX XXXX, is enough notice to expect someone to pay for an annual fee on a card that they don't use regularly with a {$0.00} balance. I was told that the fee could not be forgiven. I asked to speak with a manager, XXXX. XXXX was very kind, but she also let me know that the fee could not be forgiven. 

I told XXXX that I think that this is a sneaky business practice. {$25.00} may be a small amount of money, but how many people are being charged a {$25.00} late fee on an annual fee for a card they don't use often? 5 days ( only 2 business days ) is not enough notice. I have a near perfect credit score. I do not miss payments. She said she would send my complaint to supervisors. 

This seems unethical to me. I paid my bill and the fee to avoid further issues, but I hope to be refunded the {$25.00}. I also hope to make CapitalOne aware that this is an unfair business practice so that it doesn't continue to happen to others. 

Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I disputed a collection on my credit report as it was a result of identity theft. XXXX  removed the collection on my account. When I checked my Credit Score today it shows up on my account again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
Ive recently checked my crediting report and noticed inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company performed a hard inquiry that I need removed immediately unless they provide proof of my authorization.

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