vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Solar Mosaic LLC
State: OK

Complaint narrative:
XX/XX/year> a salesman for XXXX XXXX XXXX XXXX came to my home and pressured me into signing documents for solar panels. 
XX/XX/year> I sent Notice of Cancellation Refusal of Services to XXXX XXXX XXXX. 
XX/XX/year> XXXX XXXX  Customer Support emailed me to inform that they received the Refusal of services. 
On XX/XX/year> I was notified by credit reporting agencies that an account had been opened by Solar Mosaic LLC in my name. 
On XX/XX/year> I sent via certified mail notification of disputing this account from my credit report and confirmation of refusal of services. 
On XX/XX/year> I spoke with representatives of XXXX XXXX XXXX and Solar Mosaic informing them of this dispute to my credit report and the opening of the account. 
I have called both companies weekly to confirm status of this dispute. 

As of XX/XX/year>, no satisfactory response has been received from XXXX XXXX XXXX and Solar Mosaic to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Back in 2017 exactly 7 years ago, which I have the bank statements for there was {$14000.00} stolen from my checking account I notified Wells Fargo of the wrong doing they responded and gave me a refund. The refund was only for {$760.00}. That was not the full amount. They still owe XXXX. There was about 12 withdraws from my checking account around the same time the money was stored. I spoke to one of the supervisors at Wells Fargo and they proceeded to tell me that I need it to file a complaint because they can only look up seven years of bank statements this happened exactly 7 years ago and I am still fighting for my refund. I would like to settle this matter Full refund

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 2024-06-04 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:
XXXX, XXXX, and Transunion were informed that they were reporting inaccurate payment history for account XXXX XXXX. XXXX is reporting 30 days late in XX/XX/year>, while XXXX and Transunion reports 30 days late in XX/XX/year>. This is obviously an error on the CRA 's behalf, and this has been confirmed in the XXXX response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/year> as a goodwill. I was informed by the company that the late payment XXXX is reporting in XX/XX/year> is not correct. I am demanding that the late payment is removed from all 3 credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.

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 2024-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX were informed that they were reporting inaccurate payment history for account XXXX XXXX. XXXX is reporting 30 days late in XX/XX/2023, while Experian and XXXX reports 30 days late in XX/XX/2023. This is obviously an error on the CRA 's behalf, and this has been confirmed in the XXXX response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/2023 as a goodwill. I was informed by the company that the late payment XXXX is reporting in XX/XX/2023 is not correct. I am demanding that the late payment is removed from all 3 credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I found an " Original Creditor '' called IC Systems on my credit report saying I owe {$650.00}. I have not done business with this creditor and in the past, my addresses and some accounts have been reported to my old maiden name which never belonged to me. This might be another one of those situations. I don't see any sort of account numbers either.

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX XXXX, account holder for XXXXXXXX XXXX  convenient store XXXX, returned XXXX items to XXXX  XXXX  on XXXX. Prior to doing so, I called CHASE Bank to ensure my refund would be process dispute the account being closed. Months pass no refund had been issued so I called, and was told they do not see any refund ever being made to the closed account. At that time advised to file a dispute which resulted in temporary credit that was withdrew and now I owe the balance for ITEMS I DON'T HAVE. Attached is the receipt from XXXX XXXX, which have done everything successful on their behalf. I've attached the receipt from XXXX  showing all there items were refunded to my chase debit card that was closed ending in XXXX im now requesting the negative balance be cleared with interest for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-04 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-04 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: PA

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-04 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: MA

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 2024-06-04 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: OH

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-06-04 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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I hold a Costco Credit Card with Citi. My Costco membership expired and I do not want to continue as Costco member. Citi now told me, they will close my credit card soon. 

I don't want to lose the credit history on my credit report and also have a decline of the approved credit limit. I am afraid that will hurt my credit score. 

So I asked, whether I can switch to another credit card product of Citi. The agent told me to apply for a new credit card. This doesn't really help me, as I would have to go thru a new credit check, would still lose my old account and the connected history and credit limit. It sounds like, Citi wants to maximise the number of accounts it has, just like XXXX XXXX used to do. 

I also would like to get reimbursed the bonus I have accumulated so far this year on the credit card. This is money I earned and Citi does not want to pay that out.

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 2024-06-04 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: National Credit Systems,Inc.
State: CT

Complaint narrative:
In the past 6-7 months, I have discovered fraudulent accounts and credit cards opened in my name, several other inquiries into my credit not made by me, and a debt collection balance not belonging to me. 

In XXXXXXXX XXXX I became aware of potential identity theft and fraud. I have reported most of these attempts as fraud to the specific companies, and I have seemingly shut down all accounts opened in my name.

1. I noticed someone trying to sing in to my bank account several times. I reported this to my bank and have since changed the username and password. 
2. I received mail regarding a XXXX XXXX credit card in my name with over {$1300.00} spent. I reported this as fraud and the account was closed. 
3. I received a call from a XXXX ( XXXX ) regarding an overdue payment. I reported this as fraud and the account was closed 4. I received mail regarding a failed attempt to open a credit card at XXXX XXXX in my name. 
5. I received mail regarding a failed attempt to open a credit card at XXXX  in my name Following these events, I filed at FTC Fraud report, specifically naming the XXXX credit card ( {$1300.00} balance ) and the XXXX account created ( unknown balance ). I also generated a Credit Report using XXXX. On my Credit Report, I discovered 2 phone numbers associated with my account that were not mine, I found what seem to several other attempts to create accounts or credit cards, and I found a balance with a debt collector. None of these inquiries or balances belong to me. 

1. The following phone numbers were associated with my account despite neither belonging to me. I disputed both numbers and had XXXX remove them. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX. I still see inquiries made by XXXX ( 1 time ), XXXX XXXX ( 3 times ), XXXX ( 1 time that is fraudulent ), XXXX ( 1 time ), XXXX ( 1 time ), and XXXX XXXX ( 1 time ). I am not able to dispute these inquiries. 
3. I also found a balance of {$10000.00} with XXXX XXXX XXXX, debt initially owed to XXXX XXXX XXXX. I disputed this line item, and XXXX removed it. 

I have attached the FTC report and the two credit reports ( one with the false phone numbers and {$10000.00} debt balance, and one report after they were removed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-06-04 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:
I just looked at my credit report, which made me quite depressed since I discovered items that your agency didn't double check to make sure were accurate, erroneous, and dubious. 

Everything on my credit report needs to be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely accurate. Copies of all the letters are attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, at XXXX Eastern Standard Time , I dialed the phone number XXXX and had a conversation with two representatives. One of them, XXXX, who worked in the customer service department, informed me that she had noticed a new " pending '' bank account that aligns with my identity. She promptly transferred me to the claims department. Upon reaching the claims department, XXXX verified XXXX 's findings and revealed that there had been an attempt to utilize my information for the purpose of opening a new bank account. XXXX assured me that their team would thoroughly investigate this matter and provide me with further details within 15 days, enabling me to file a police report if necessary. 

Today 's date is XX/XX/XXXX, and the time is XXXX. Unfortunately, no one had followed up on the matter at hand. In my attempt to address the issue, I contacted the customer service representative named " XXXX '' using the same phone number. However, XXXX informed me that she couldn't find any pending information associated with my account. Consequently, she transferred my call to the fraud department for further assistance. 

To my dismay, when I spoke with XXXX from the fraud department, he also couldn't find any relevant information in the system. Although he did mention a XXXX transfer from 2021, he couldn't provide any additional details. It appears that all the previous information I had received on XX/XX/XXXX is no longer accessible within the system. He checked several other data bases and stated that he is unsure how XXXX could have promised a returned call in 1 days because there's nothing in the system to follow up with. 

I require urgent attention regarding this issue as there are employees from Chase Bank who are concealing criminal activities involving the theft of my identity. I have been advised to email this number to seek assistance and obtain access to the recorded conversations of the two former employees who witnessed the fraudulent account.

Company response to consumer: Closed with explanation