vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: UT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm writing about a business credit card AMEX is trying to hold me. personally liable for. XXXX, XXXX to whom this card was issued elected for a private liquidation per the terms of the XXXX XXXX. There is no money left as all unsecured creditors were paid XXXX  XXXX  of their debt and we are dissolving the company shortly. 

According to the company attorney, the explanation accompanied the check. AMEX accepted the check, making the settlement binding. Legally, AMEX can not accept the settlement money and then choose to ignore that it has settled the account. AMEX had the option to reject the settlement and either discard the settlement check or return it to the liquidator. But it legally can not accept the settlement and continue to pursue collection. 

On XX/XX/XXXX, I spoke to an AMEX representative about the liquidation settlement and was asked to send documentation of it to a specific address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I sent them the requested documentation the next day XX/XX/XXXX. I was told no further action would take place until AMEX had reviewed the settlement documents. Further, I followed up with AMEX on XX/XX/XXXX at which point the representative told me AMEX was typically slow processing documents mailed that address and to be patient. 

AMEX is now threatening to send the account to collections when I have been making a good faith effort to be in communication with AMEX and sending them legal documentation - from which I have not heard back. 

First, the account should not still be open it was legally settled. But if AMEX is not convinced of this, it should not be making derogatory marks on my credit while the issue is in review- which it did. Nor should it be sending the account to collections while we are discussing the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
I have submitted multiple disputes to XXXX, XXXX, and Equifax regarding the following accounts reported on my credit report : 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 {$2400.00} However, I am having a really hard time with them removing the XXXXXXXX XXXX  from all three credit bureaus : XXXXXXXX XXXX XXXX XXXXXXXX - {$2800.00} and and XXXX XXXX from Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} I have also provided them with the FTC report. 

In XXXXXXXX XXXX XXXX all XXXX credit bureaus removed the XXXX accounts from my credit report and now placed them back onto my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
I have submitted multiple disputes to XXXX, Experian, and XXXX regarding the following accounts reported on my credit report : 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 Experian and Transunion removed one of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} However, I am having a really hard time with them removing the XXXXXXXX XXXX from all three credit bureaus : XXXXXXXX XXXX XXXX XXXXXXXX - {$2800.00} and and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} I have also provided them with the FTC report. 

In XXXXXXXX XXXX XXXX all XXXX credit bureaus removed the XXXX accounts from my credit report and now placed them back onto my credit.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a check and letter in XXXX  of XXXX regarding my account I have copies of the check when I called to see if I was owed more money due to the lawsuit I was told they couldn't find anything on file. Wells Fargo my name is XXXX XXXX address is XXXX XXXX XXXX XXXX va 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 monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to report a serious issue with Chime Bank regarding the unauthorized deduction of {$5000.00} from my account. Despite my repeated attempts to resolve this matter with the bank, I have been met with unhelpful responses and delays. 

On XX/XX/year>, Chime Bank deducted {$5000.00} from my account immediately after I made a transfer. I followed all requested identity verification procedures, provided the necessary documentation, and cooperated with their requests for information on the sender and recipient of the funds. Despite my compliance, Chime Bank continues to withhold my funds and accuses me of violating the Deposit section without providing any evidence or explanation. 

I have contacted Chime Bank numerous times, both through phone calls and emails, sending over XXXX emails in total. However, I have not received a satisfactory resolution to this issue. I feel frustrated and helpless as Chime Bank repeatedly gives me the runaround and refuses to provide any proof of my alleged violation. 

I am seeking your intervention and assistance in investigating this matter and ensuring that Chime Bank returns the {$5000.00} that was wrongfully taken from my account. I can send attached copies of my communications with the bank and any relevant documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX -BALANCE {$430.00} Unauthorized inquiries 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2024-08-26 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: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - XXXX XXXX. Opened XX/XX/XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX XXXXXXXX. Opened XX/XX/XXXX Balance : {$20000.00} -Barclays Bank Delaware XXXX Opened XX/XX/XXXX Balance {$14000.00} appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.

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 2024-08-26 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: LA

Complaint narrative:
I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over 30 days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. Transunion is missing date, last active and is unverifiable. TransunionXXXX failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.

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 2024-08-26 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: LA

Complaint narrative:
I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over 30 days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date, last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: MN

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 2024-08-26 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: OH

Complaint narrative:
I noticed unauthorized accounts on my credit report that are harming my credit.

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 2024-08-26 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: GA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
I contacted XXXX, XXXX and TransUnion via telephone in the month of XX/XX/XXXX, the person who assisted me told me that the inquiries that I was requesting to be removed would be deleted from my report, but when I reviewed my Report weeks later they were still there. I decided to send a written letter first asking them to correct my personal information and then I sent a second written letter requesting that they delete the inquiries that had inaccurate and uncorroborated information that appears in my Credit Report, but they did not respond to me. These are the queries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-26 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: TX

Complaint narrative:
I contacted XXXX, Experian and XXXX via telephone in the month of XX/XX/XXXX, the person who assisted me told me that the inquiries that I was requesting to be removed would be deleted from my report, but when I reviewed my Report weeks later they were still there. I decided to send a written letter first asking them to correct my personal information and then I sent a second written letter requesting that they delete the inquiries that had inaccurate and uncorroborated information that appears in my Credit Report, but they did not respond to me. These are the queries 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 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 2024-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Received a debt letter. XXXX uploaded below. 
Called XXXX directly who said I do NOT owe them anything!

Company response to consumer: Closed with explanation