vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 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: TN

Complaint narrative:
I have repeatedly disputed the tradeline listed below because of inaccuracies but have not been able to resolve this via the furnisher or Experian. I previously brought this issue to the CFPB via Complaint # XXXX ; however, as of XX/XX/XXXX, the issue remains unresolved. XXXX XXXX XXXX XXXX tradeline is in violation of the following Fair Credit Reporting Act ( FRCA ) and Fair Debt Collection Practices Act ( FDCPA ) statutes : Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) states that if a consumer disputes the completeness or accuracy of any information furnished by any person to any consumer reporting agency, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer and Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Specifically, it prohibits communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I attest that I, XXXX XXXX XXXX ( consumer ), am submitting the following dispute on my own behalf. I have included a copy of my driver 's license as proof of my identity. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCOMPLETE. Incomplete ORIGINAL BALANCE and Incomplete MONTHLY PAYMENT. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCORRECT : XX/XX/XXXX was reported as 30 days late XXXX  ' email confirmation of XX/XX/XXXX payment is attached. XX/XX/XXXX reported as 30 days late - XXXX  ' email confirmation of XX/XX/XXXX payment is attached. I dispute the entire XXXX XXXX XXXX XXXX based on FCRA 523 ( a ) and FDCPA Section 807 : The data furnisher has repeatedly failed to note that the disputed debt is disputed on my consumer credit reports. XXXX XXXX XXXX and Experian have repeatedly violated FCRA 523 ( a ) and FDCPA Section 807 by furnishing incomplete and inaccurate information at CRAs, in addition to failing to mark the disputed tradeline as disputed.

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 2023-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX Bank of America Bank of America froze my card and put me in the fraud department and at the same time was told to keep certifying for benefits there's no holds or any thing like that with the EDD but from XX/XX/XXXX till XX/XX/XXXX all my certifications were paid through the EDD but the bank say they have no record of it and they keep sending me to EDD EDD says it's paid I need to go to the bank but they're refusing to give me my bfenifits.They are garnishing my wages they owe me roughly around XXXX they had made us homeless going on homelessness almost XXXX and XXXXXXXX XXXX years since this happened 3 years now and my daughter was removed they tried to terminate our rights as parents and the bank just keeps doing the same thing. They keep denying my claims and they're well aware that I didn't have access to the card. They sent me a compensation letter of {$780.00} telling me that they're aware that I didn't have access to my card and that's for any hardships I may have had and I can request more money. I have copies from the EDD showing all benefits were paid.The IRS says I made {$23.00}, XXXX but yet I've only received around {$7000.00} so we're trying to locate the rest .It 's been a real burden on us it's taking a tool on our health and my wife and my daughter I don't know what else to do I have a right as a citizen to collect any money from the EDD and that the government gave. Bank of America put me with the fraud when I first filed an initial claim and ever since then they froze my account and been taking all the funds that were supposed to be put on there what can I do to get it back thank you I still residing in a XXXX XXXX and I feel that they should compensate for denying my claims and garnishing my wages and freezing up my card when they gave me my card that I was told the money would be there but the money was not what can I do

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 2023-11-04 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:
Please see attached document. 

XXXX Print complaint Per the previous complaint filed on XX/XX/2023 Company responded on XX/XX/2023 Company 's Response : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. " Upon checking my credit file, I am still seeing XXXX XXXX Currently Reporting on the Equifax Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for Equifax regarding this issue. Please adhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: PA

Complaint narrative:
I initiated a dispute on XX/XX/2023 with Transunion to remove information from my credit report that unknown and suspicious. The account shows inaccurate information and I can not confirm this is my account. When I asked for the account to be remove I receive no action and no response. The account shows a balance due and it is also reporting as a collection/charge-off. Since the account is inaccurate it must be removed because it can not be proven that it is my account with inaccurate information. Remove this account immediately. I also never received any notice that this matter was being investigated.

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 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, XXXX, XXXX and Equifax detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so. 

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High. 

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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 sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, Experian, XXXX and XXXX detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so. 

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High.

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXXXXXX has a report of delinquency in error. I have reached out to the company several times and they refuse to remove these reports

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 2023-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The three major Creditors has not followed TX state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile. This account was initiated without my knowledge or consent due to identity theft. Credit history shows this auto was repossessed as collateral to satisfy the loan. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. With the help the DMV online auto history to demonstrate the sales reports ; Auto was reported at auction on XX/XX/2021 and XX/XX/2021 then registered with TX DMV on XX/XX/2021. Unreported surplus sales history not reported purposely to cover history of transaction to be applied to the outstanding balance reported. I disputed with all three major Credit Bureaus who responded that the information reported meets FCRA Guidelines. All three major Credit Bureaus Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. A HUGE violation of my consumer rights is Chrysler Capital continuously aging of debt and unable to review account on their online portal. A message states a login has been created, nor been able to reset login with my information ; No emails are received to my emails to reset login.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Incorrect use of my credit for a hard inquiry pull from these companies FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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 explanation
Consumer complaint received 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Incorrect use of my credit for a hard inquiry pull from these companies 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 2023-11-04 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: SC

Complaint narrative:
Incorrect use of my credit for a hard inquiry pull from these companies 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 non-monetary relief
Consumer complaint received 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon checking my credit file, I am still seeing the items Currently Reporting on my XXXX, Transunion and XXXX Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for each bureau regarding this issue. Please adhere.

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 2023-11-04 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX, I purchased a used vehicle and XXXX XXXX was the chosen financial company. Every since I have started making my payments, I have gone online and schedule my payments, the funds leave my account 3 days later and it is posted on my account page with this company as being completed. Since I am refusing to talk to them to schedule my payments, they have been sending false information to the 3 credit bureaus ' stating that my payments are XXXX, XXXX and 90 days late. When I reported them to XXXX, I was sent a letter telling me that even though it shows on my account on their website as my payments being completed, they are trying to tell me that they didn't receive my payments until 3 months later. That is false. I have tried to trade this vehicle in so that I can get out from under them, they block me by reporting false information about my payments. When I tried to refinance my vehicle through another company, they block me by reporting that I have missed payments, that I am behind in my payments, knowing that these companies will turn my request down. I have tried to straighten this out with the company through XXXX  but again, they are refusing to correct their false information and they continue to harass me by calling my phone twice a day, leaving messages wanting me to call them about my past due payments. They some how got my XXXX  phone number and started calling and leaving messages on his phone. He is XXXX XXXX XXXX. If I was behind like they claim, why do I still have my vehicle? The proof of their lies is on my account under " XXXX XXXX '' but they all need to be fired at this company since none of them can see the truth that is on my account page. I want their lies, harassment and false information to be corrected so that I can get out from under them. This company doesn't need to be in business at all. I have also found other people that was under them stating that they were done the same way. I will continue scheduling my payments online until they block me from that way again. I want out from under this company and if I have to hire an attorney to sue them, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX I submitted a dispute regarding the following accounts below that are on my credit report. 


XXXX Account number XXXX Date opened XX/XX/XXXX I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2023-11-04 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: CT

Complaint narrative:
Experian has reported my name wrongly which has had a negative effect on my credit my name is XXXX XXXX XXXX. 
Experian has my name ( XXXX XXXX XXXX ) this is wrong and needs to be fixed for accuracy

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 2023-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/ I started dispute negative inquiries, in the process of doing so numbers of inquiries kept going up more. I've frozen credit till I resolve my identity back. I was hack it went from XXXX to XXXX inquiries with in a hour in herd of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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
Consumer complaint received 2023-11-04 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information. that is being reported to my credit file. this has been an ongoing issue that never gets a response to update an delete the information correctly. looking over all the data listed these items have been reporting illegally an fraudulent information that has caused alot of damage to my credit report. please review an remove the listed items selected to help clear may credit report asap.

Company response to consumer: Closed with non-monetary relief