vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-11-16 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: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I would like to clarify my question and concern due to happening by the cultural difference. I have received a credit report ( # XXXX ) dating XX/XX/XXXX of XXXX  from your company, Experian after the notification of FTC Identity Theft report ( # XXXX ). Besides it, I have received a credit report by email on XX/XX/XXXX of XXXX  ( report # XXXX ), which I made the disputes regarding my name, address, spouse name, and statement. After then, I have received the emails twice. The first one was on XX/XX/XXXX, on this dispute ID 2, the spouses name XXXX was deleted. The second one, which date was unsure unfortunately, the dispute ID 3 showed the deletion of telephone number. On XX/XX/XXXX, when I received the hard copy of report ( # XXXX ), I received another report ( # XXXX ), which indicated the deletion of my name and residence with dispute ID 1. Both reports XXXX XXXX had the section Personal Statement. However, the hard copy ( # XXXX ) did not have this Personal Statement, which states : ID security alert/active duty alert : fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. I am currently on active military duty, do not extend credit without first verifying the identity of the applicant. I can be reached at. This alert will be maintained on file for 1 year beginning XXXX. 

Since I am not on duty of the American Military, I never request your company the alert in this format. Anyway, I am a XXXX XXXX  ; therefore, I do not think I am qualifying for the American military. I just want to know why this statement is in the reports XXXX and XXXX. And I just want to know why there are so many report numbers to my credit report, which I try to understand the cultural difference. Most likely, in XXXX, we prefer to organize in one report number. 

Sincerely,

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 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Despite PORTFOLIO RECOVERY ASSOCIATES , LLC ' {$24.00} XXXX dollar lawsuit, pertaining to their repeated illegal debt collection practices and consumer reporting violations, they continue to violate consumer rights. 

On XX/XX/XXXX, they contacted XXXX XXXX XXXX pertaining to an unvalidated alleged debt. 

It is now demanded that they provide a response to questions 1-7 in the debt validation letter attached to this complaint. Bank statements will not suffice. 

If they can not provide adequate response, to what is requested in the debt validation letter, this debt will be deemed inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express Bank illegally and incorrectly reported a payment as late ( Specifically back in XXXX of XXXX ). As per the terms of the Cares Act, their representatives misadvised that I would only be eligible to receive any payment relief/assistance programs/offers if I showed signs of hardship ( Missed Payments ) despite my reaching out to them ahead of being late on any payments to let them know that financial hardship was on the horizon. Under the sanctions of the Cares Act, this is seen as misconduct, misinformation, and unethical behavior. Essentially, I was forced to be late on the payment without assistance. In XXXX, American Express provided a blanket response that not only avoided my question but also was a blatant attempt to circumvent my initial acquisition and issue. Based on American Express 's response to this matter, they have acted with wanton disregard for my safety and the overall long-term well-being of myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 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: PA

Complaint narrative:
This is XXXX XXXX do 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2023 I made my scheduled payment at TD Bank of {$490.00} my payment was made on time. On XX/XX/2023 I received a letter stating that the payment was not received I called TD XXXX number and was informed that the teller made a error and the payment was applied to principal and not to payment and to go into the branch to have this matter taken care of. I received and alert that the late payment was sent to my credit report. I would like this late payment to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I logged in to the web portal to turn off the Auto Pay feature for my payment due on XX/XX/XXXX. There is not an option to turn this off, so I called the Customer service line to learn that I had to turn this off 3 days ago in order for the payment not to go through. It does not state this on the website, and when making a manual payment, it literally forces the consumer to set up AutoPay. The entire payment structure of this company and their practices should be reviewed for potential UDAP violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was given a complete statement sheet that showed every debit charged to my account and credit that I paid towards this card. This Excel sheet was provided by Capital One. The Excel sheet shows a difference from what Capital One says my account balance is. I've contacted 3 customer service agents and 3 managers with the company, and none of these people could acknowledge that capital one could make an accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

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 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 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:
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 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 2023-11-16 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 is XXXX XXXX do 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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: MD

Complaint narrative:
During my time in the hospital someone had stolen money from my account. Discover bank decided to only credit XXXX dollars and close out the XXXX and XXXX dollars that were also stolen from me. They were not responsive and i have submitted a refile of the dispute 3 times. They allowed someone to take all my money almost in 2 days and now are not providing any info or credits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I would like to report an incident of misconduct by Wells Fargo concerning unauthorized transactions and lack of transparency in handling my account. 

In XX/XX/2023, I rented a car through XXXX, paying with a non-Wells Fargo method. The XXXX host falsely claimed damages amounting to {$2800.00}. Despite my dispute, XXXX held me liable. Subsequently, Wells Fargo debited this amount from my account without my consent. 

Upon reporting this to Wells Fargo around XX/XX/2023, an investigation began, and a temporary credit was applied to my account. This credit was later reversed on XX/XX/2023. On or around XX/XX/2023, I requested documentation from Wells Fargo to understand the basis of their decision. However, instead of providing the information, they issued another provisional credit and asked me to submit evidence supporting why I should not be liable for the charge. 

On XX/XX/2023, I sent a demand letter to Wells Fargo expressing my frustration with their unproductive and opaque handling of the matter ( see forwarded message ). On XX/XX/2023, I was informed that a " processing error did not occur, '' and the provisional credit of {$2800.00} would be withdrawn on XX/XX/2023. 

This situation demonstrates a breach of trust and duty by Wells Fargo. As my bank, they should protect my interests and funds. The constant reversal of credits and failure to provide requested evidence is unacceptable. 

Therefore, I request : 1. A thorough investigation into Wells Fargo 's handling of this issue. 

2. Permanent reinstatement of the {$2800.00} credit, as it was unjustly debited. 

I trust that you will address this matter with the seriousness it deserves and uphold the integrity of banking practices.

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 2023-11-16 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: Experian Information Solutions Inc.
State: MO

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