vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: GA

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 XXXXXXXX Balance : {$23000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1400.00}.

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 2024-01-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am uploading this showing my filing for identity theft which occurred in XX/XX/2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a newborn. I need help please

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 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
2021 I was having medical issues with a XXXX XXXX XXXX and had problem making payments due to being out of work. XXXX XXXX  offered a reduced amount that I couldnt afford. In return I asked for a reduced amount but paid in a monthly payment plan, to which the bank agreed. They wrote off the debt, closed my account and my access to it, and collected two months of payment. Then the bank stopped collecting my payments and wanted the charge off debt paid in full, not taking account of the payments Ive made. After reporting to XXXX, their claim was that my payments did not meet their original offer to which I never had agreed to. Every time Ive asked to have emailed or mailed copies of all the documents associated to my account and agreements Ive made, the bank refused. Ive called and emailed and still received nothing. Now after couple of years, they sold the debt to a collection agency, even though my debt has been wiped off my credit report and they never contacted me after my complaint to XXXX So now I cant get any documents from the bank and they refuse to communicate with me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
The debt collection company sent a fraud letter attempting to collect a debt that doesnt exist. A lawsuit was filed against rental company. The debt collection company is trying to misrepresent monies owed on behalf of rental company impersonating different names, XXXX XXXX XXXX XXXX XXXX XXXX. An affidavit was sent to Hunter Warfield, debt collection company, who failed to verify accuracy of debt and ledger/ balance from original company, rental company. This is fraudulent and misrepresentation of legal information regarding a debt not owed to any party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: PA

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 XXXX and XXXX XXXX  filing this complaint for falsely reporting misleading information. There is no XXXX XXXX involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: MD

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Wisely, this bandit company took over my bank account and made it impossible for me to withdraw funds from my international bank account. All my cash is legally transferred from XXXX to my Wise personal account. Just because I applied for a Wise physical card, the fraud company Wise froze my account three days after issuing me a Visa card and misappropriated my personal assets. I can't withdraw cash from my Wise account properly. This is a violation of users ' human rights. Strongly protest against the gangster style of Wise Financial Fraud Group. At the same time, I will never trust Wise, a financial fraud group, in the future. They exploit the trust placed in them to deceive customers and seize users wallets. I originally thought they valued human rights. Unexpectedly, they turned out to be a group of bandits and vampires. Yesterday, this group of robbers canceled my account for no reason and took away my legitimate assets. This is illegal financial fraud. I request the relevant units to severely punish this company, not to shield this XXXX company, and not to let this illegal financial company run amok around the world. My current mobile phone number that can answer calls is ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have top tier credit. I have been having this card for over XXXX years as I use it for my business. It went from XXXX XXXX dollars to XXXX in one day as they reduced my credit without notice. I have a credit score of XXXX with no missed payments. I use this card for business and now the limit is too low and they can not explain to me why they did so

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 2024-01-06 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: MD

Complaint narrative:
cMonths ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: MD

Complaint narrative:
cMonths ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX 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

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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am a US citizen and my cell phone was stolen on XX/XX/XXXX in XXXX, XXXX while on vacation. The thieves hacked into my device and opened an unauthorized credit card with Apple after changing my AppleID and locking me out of my email. The credit card opened was called a XXXX XXXX XXXX through a partnership with Apple and Goldman Sachs. I am extremely angry that Apple and Goldman Sachs would authorize a card in a foreign country with absolutely no verbal verification by me and would run an inquiry with the credit rating agencies. I reported the phone stolen to my cell phone provider on XXXX  after it was apparent I would not be able to recover the device. I had marked the phone as lost on XX/XX/XXXX with Apple prior to getting locked out of my AppleID so they should at a minimum have known there was suspicious activity. I did not discover the fraud until XX/XX/XXXX when I noticed an email about the card being shipped. Note that the thieves were able to open the card on XXXX  and promptly maxed out the available credit of {$3000.00} instantly despite the card not physically being shipped with all the transactions occurring in a foreign country. I have submitted an Identitytheft.gov report and a police report and am awaiting a decision that will take weeks. Despite the obvious fraud I am concerned that I will unjustly suffer a negative credit event. I am also going to submit to them chat logs I have with XXXX ( my cell phone provider ) indicating the phone as stolen on XX/XX/XXXX as further proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 2024-01-06 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Privacy ACT of 1974ALL Rights Reserved! My non-public information is being reported WITHOUT my consent! Each company on my consumer have been informed several times. Per the CFRs as a federally protected consumer I am now opting out per 15 USC 6802. Please take note this is my final attempt before federal court papers are filed and each credit reporting bureau who is reporting my NON-Public information will be sued to the fullest extent possible dating back 5 years. 

Also transactional history is illegal to report. Please see letter from FTC to see the deceit and fraud that is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Privacy ACT of 1974ALL Rights Reserved! My non-public information is being reported WITHOUT my consent! Each company on my consumer have been informed several times. Per the CFRs as a federally protected consumer I am now opting out per 15 USC 6802. Please take note this is my final attempt before federal court papers are filed and each credit reporting bureau who is reporting my NON-Public information will be sued to the fullest extent possible dating back 5 years. 

Also transactional history is illegal to report. Please see letter from FTC to see the deceit and fraud that is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: AL

Complaint narrative:
I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a XXXX XXXX XXXX XXXX I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capitol One denied me credit after requesting and obtaining my personal information including my Drivers license, Social, and a copy of my pass port. This violates 12 USC 1431. This is discrimination. The amount of credit requested was {$5000.00}, I have exercised in due course what I was obligated to do, and still denied access to an open end credit line for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2024-01-06 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: NY

Complaint narrative:
I filed a complaint with CFPB XX/XX/XXXX. That complaint # is XXXX. The company responded but did not provide all of the information I requested. 

Their response says one of the unauthorized inquiries on my report was not found. That inquiry was made by XXXX XXXX on XX/XX/XXXX. It was listed on my Experian report as " completed by Experian XXXX on behalf of XXXX XXXX XXXX. '' I still need details of this fraudulent access to my file as I do not now or in the past have any relationship with said company. 

Additionally, the XXXX inquiries by XXXX XXXX were deleted by Experian since my last complaint, but without providing me the details of the fraudulent inquiries in question. I would like to have full disclosure of each transaction executed by Experian. 

I am also concerned about the use/sale/sharing of my personal information. I have opted out of the sharing/sale of my personal information by Experian several times. But never received confirmation that my choices are recorded on my file and honored. 



XX/XX/XXXX I used the online form on the Experian website thats provided to opt out of sale/sharing of my personal information. I received a confirmation # XXXX. However, when I called back to follow up whether my opt out has even processed, I was told they could not find my reference # that was generated by their web form. 

I asked then for the representative to opt me out of the sale/sharing of my personal information. I was told I would receive email confirmation, but again, I never received one. 

I called their opt out line XXXX XXXX XXXX. I emailed Consumerprivacy.experian.com. I emailed XXXX. I never received a confirmation response. 

On XX/XX/XXXX, case # XXXX, I again used the web form on the Experian website to opt out. And I immediately called to ask when I could expect to receive confirmation my request was processed. I was told to call back within XXXX business days. I called back XX/XX/XXXX, XXXXXXXX XXXX and was told there is no record of any opt out of the sale/sharing of my personal information. So, again, I asked if the representative could place the request for me. 

I was told this time that it takes up to 45 days. And that I would receive email confirmation. As of today, I still have not received confirmation. I have reason to believe I will never receive any confirmation. 

I am asking Experian to kindly provide a trustworthy way for me and all consumers to reliably exercise our rights to privacy. I would also like to have confirmation that my privacy choices have been received and properly processed.

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