vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Experian. Despite my previous submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), these accounts remains on my Experian credit report. 
Upon discovering this fraudulent accounts, I contacted the associated company, which confirmed the fraudulent nature of the accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent accounts continues to be reported by Experian despite being removed by the other credit bureaus. 
counts in Question : XXXX  XXXX XXXX and 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I mailed certified letters to Experian. XXXX and XXXX asking to remove inaccurate personal information and update my current accurate information stated on my ID w2 and bank statement. On XXXX I received a letter from Experian stating they thought a XXXX party requested it. Ive called 5 times on hold for over an hour

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 2024-05-31 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: IL

Complaint narrative:
I'm asking to investigate these wrongly reported accounts on my credit file. Under the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. FCRA 605B requires reporting any false accounts on a consumer 's 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 2024-05-31 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: DE

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-31 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: DE

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Date : XX/XX/year> - XXXX XXXX  Amount : {$170.00} Action taken by me : Called Wells Fargo to inquire about unauthorized transaction from ATM Action taken by Wells Fargo : None

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 2024-05-31 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: DE

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

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 2024-05-31 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: DE

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OH

Complaint narrative:
I Am Receiving a lot of Letters from Debt Collectors stating I owe a Debt with there Company. I Asked each Debt Collecting Agent to Validate this Alleged Debt On XXXX. They have not Responded or Validated the Alleged Debt. The Bureau submitted a letter to me stating That XXXX XXXX stated it wasnt Fraud. Or No Fraud Reporting. I Contacted the Fraud Department at XXXX XXXX. They stated they had No Information on Me. I filed a Theft Report with the FTC. This is Theft of my Identity My Data My Livelihood is being affected by these Companies I know nothing about. The FRCA and The FDCPA states the law is very Clear in Reporting false Information. I never gave anyone Permission to Report on my Consumer Report. And these Companies are Reporting on My Consumer Report still To Date No Change.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
I am writing to express my strong dissatisfaction with the unauthorized account appearing on my credit report, which I believe is the result of identity theft. This account is causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing this fraudulent account with the bank. However, the lack of cooperation and information from both the bank and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove this questionable account from my credit report. I require prompt confirmation of the removal and a detailed explanation of the measures taken to prevent such incidents in the future. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to rent a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX with confirmation number XXXX. They handed us a car key with the blade extended and told us the car was outside. After we went outside, only one XXXX XXXX XXXX like the one we were shown was parked outside. I used the key to unlock it, and once I turned the key, it got stuck in the door and couldnt be removed, which should not happen to any car with no pre-existing problems. XXXXhree men immediately came out of the office, accusing us of causing the damage, which we firmly denied. The manager tried to get me to sign a document admitting I caused the damage, but I refused. I called the police right away. While we waited for the police to arrive, which they never did, the manager unauthorizedly charged my card {$1000.00} and {$1500.00} behind my back. When I saw the charges and confronted him, the manager failed to provide any proof or justification for the total {$2500.00} and refused to provide a refund. The next day, he sent me a self-made {$1000.00} damage invoice and asked me to sign it, promising to refund the other charges if I did. I refused to sign this as well. This is clearly a case of fraudulent practices by Priceless Car Rental. 

I submitted a dispute to Chase on XX/XX/XXXX, via phone, but they closed it without any further information or resolution. Despite explaining the situation and attempt to provide evidence, Chase did not adequately address the fraudulent charges. I am seeking a refund of the {$2700.00} in unauthorized charges and proper handling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 non-monetary relief
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
On the following months and years : the account ending in XXXX is restricted and paid off never late. If Im not able to use the limit of this card thats in the principals account, then this should not be reported late anyways as of current year XXXX. Im receiving late payments reported on my credit report that shouldnt be reported in the first place. Its basically inactive with a balance of {$0.00} with a limit of {$500.00}. The previous years of those reporting should be removed now as per law given below states out clearly these can be removed much sooner than 7 years! 

XXXX, XXXX, and XXXX of XXXX : XXXX, XXXX, XXXX, XXXX & XXXX of XXXX XXXX and XXXX of XXXX XXXX and XXXX of XXXX : Above all mentioned above were reported as late payments. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX has also reported late payments on my profile in XX/XX/XXXX. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency, financial institution can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

With these specific laws stated above protects my reserved rights as a consumer and I have enforced my rights to the reporting companies, financial institutions, credit reporting agencies furnishing information without my consent or written instructions.

Having these late payments on my profile is a defamation to my character. Its illegal and has prolonged my credit health, credit worthiness, and can not do the necessary things in life with my extension of unlimited credit. 

By : XXXX XXXX XXXX XXXX Authorized representative, & beneficiary of account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was a victim of fraudulent activities and Wells Fargo is refusing to credit me the money back. Scammers were able to go into my account, they transferred {$39000.00} from XXXX of my savings accounts into my checking account and made approx {$19000.00} worth of transactions at a USPS postal service and WF denied my claim. They blamed me for thinking I was talking to a WF agent but I was being scammed and now they deny my claim and refused to pay me back. They basically blame me for believing I was talking to a real agent, but the scammers were using a ghost app and on my caller ID, it read " WELLS FARGO '' with a phone # that goes back to an actual WF branch. I have been through my local PD as well as the postal PD because the transactions were all made through the USPS and yet, WF is claiming that it is my fault for giving my info to the scammers, that I believed was an agent. I had never been through anything like this. I was not aware that I was being scammed. The so called agent, told me about fraudulent activity on my account and while I was on the phone with them, I checked my account and there were transactions that I had indeed not done myself, so I believed them when they called me because the proof was in my face. Little did I know that they did those transactions themselves, to lead me into thinking they were helping me when in fact they were getting ready to scam me for all of my money I had in savings. As i gave them info, thinking they were helping, they broke into my accounts without WF stopping them or showing any red flags and they were able to steal {$19000.00} from me within seconds.

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 2024-05-31 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: MI

Complaint narrative:
As per FCRA 605B, we need to eliminate any erroneous accounts from my credit report. Can you go over the documents? Some accounts are reported inaccurately, with incorrect amounts and dates.

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 2024-05-31 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: PA

Complaint narrative:
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.? Except as provided in paragraph ( 3 ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device.THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Here 's the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive consistently ensured timely payments for this account, never letting them become overdue. I'm unsure why there are reports of late payments on my accounts. Based on 15 USC 1666b, billing errors should be corrected.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.

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 2024-05-31 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: MI

Complaint narrative:
I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: NV

Complaint narrative:
I was trying to purchase a house when I seen damaging inquiries on my report 15 U.S.C 1681 states there should be nothing damaging 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 2024-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Unfortunately I do not have any documentation regarding thus issue. And have already begun a payment plan with the professional credit service. Around the month of XX/XX/year> I was working at XXXX XXXX XXXX XXXX XXXX and my employer received a garnish notification that my wages are going to be garnished unless I take action. This was the first and only way I found out about said debt collection. The company is ( PROFESSIONAL CREDIT SERV ) as displayed on my XXXX XXXX  app, I believe based out of Wyoming? Out of fear for my wages to get garnished I called them and they said that I will be having my checks garnished if I don't start making payments. So I did and still do. I'm XXXX and literally have a luck of a clue as to what credit is and all it's works, and am just paying this place monthly out of fear for my wages to get garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: PA

Complaint narrative:
I tried to fixed this account so mant times why still reporting in my credit report? I'm not recieving any response from the bureaus. Please investigate this listed accounts below and remove it immedietely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation