vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: AZ

Complaint narrative:
To Whom It May Concern, This is my Third written request for Method of Verification. 
Your company has failed to provide me with this information that I requested in regards to the reporting status of an account. You continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB and FTC. As you are aware, per FCRA and the FCBA, that all creditors must be compliant and accurate when reporting information. 
You have failed to comply in a timely matter and continue to violate my rights. How can I be sure that your reporting status of this account is accurate? What Method was used to determine the account status? How did you determine the status of this account? When did your company verify this account and where did your company find its source of verification? Why do you blatantly continue to ignore my requests for this method of verification? 
I demand the following unverified accounts be provided physical verification or deleted immediately. Please Provide Method Of Verification. These unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX  Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. Ive already filed an FTC report. 

The inquiries are : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX  - 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 non-monetary relief
Consumer complaint received 2023-11-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, This is my Third written request for Method of Verification.

Your company has failed to provide me with this information that I requested in regards to the reporting status of an account. You continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB and FTC. As you are aware, per FCRA and the FCBA, that all creditors must be compliant and accurate when reporting information. 
You have failed to comply in a timely matter and continue to violate my rights. How can I be sure that your reporting status of this account is accurate? What Method was used to determine the account status? How did you determine the status of this account? When did your company verify this account and where did your company find its source of verification? Why do you blatantly continue to ignore my requests for this method of verification? 
I demand the following unverified accounts be provided physical verification or deleted immediately. Please Provide Method Of Verification. These unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: GA

Complaint narrative:
I sent a letter out in regards to the Misleading & Inaccurate things I saw reporting on my credit report. Almost XXXX days later I still have not received a response and this is my XXXX attempt! This is causing me a great deal of stress & I feel like Im being taken advantage of. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives reason to immediately remove items from my credit report. I demand that these accounts are deleted immediately as I feel forced to file XXXX for the heartache & stress that this matter has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An auto loan was open with wells fargo in my name for the amount of {$32000.00} a year and 2 months ago. I was unable to get any additional info from well fargo and am unable to take the necessary steps to remove it from my records as a consequence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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:
Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and experian and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NY

Complaint narrative:
Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and XXXX and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NY

Complaint narrative:
Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and experian and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On Friday, XX/XX/XXXX, I thought I got a job as a XXXX XXXX I carefully researched the company and everything. I deposited a check to my checking account through the mobile app for {$3500.00}. I went the next day and made a purchase for {$3000.00} from the XXXX XXXX because the check had cleared the bank in my account. On Monday, I deposited another check from the same person for {$2500.00}. Something didn't sit right with me and I notified the company and asked if this person was an employee and they said no. I realized then I had been scammed and I called the police to file a report. On Tuesday, XX/XX/XXXX, I went to my local branch at Regions to tell them I thought those 2 checks were fraud and what could I do to get my money back. The gentleman there said they had cleared my account so nothing could be done yet. He did file a claim to appeal and try and get my money back for {$3000.00}, but I have yet to hear anything from that. The next day, the {$3500.00} check did come back out of my account so I went up to the branch at Regions in XXXX, TN, and spoke with the assistant manager. This was after calling the XXXX  number and them instructing me to go to the branch so they could help with fraud. The assistant manager was horrible and basically said there was nothing they could do because I deposited the check and spent the money. It has been days and I can't get any help from Regions even though, everyone I speak to says they should be helping me. Now, my account is locked and I don't even know what has cleared and what isn't. 
I do know that right before my account was locked, the other check for {$2500.00} was also coming back out of my 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 2023-11-06 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:
There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is one from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the dark web a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require 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 2023-11-06 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: NY

Complaint narrative:
There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is one from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the dark web a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require 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 2023-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested XXXX XXXX XXXXXXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining 2 major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
I have requested XXXX XXXX XXXXXXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining 2 major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had written Transunion about this issue and they refuse to remove this hard inquiry off my credit report, I explain to them that its illegal to report hard inquiries on someone report with out there consent or proof of documentation. Which trans union fail to valid any evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my right to privacy 15 U.S.C 1681 section 602 A. State i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 It also State a without my written instrutions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
I utilized Etrade/Morgan Stanley Bank account to redeem a set of Series I savings bonds from the Treasurydirect.gov. Funds credited to account and then the account was frozen. I called to inquire as to why, and they asked to verify deposits. I provided them with emails I received from treasurydirect.gov as well as screenshots showing detailed account information and redemption info matching the deposits. 

The Etrade/Morgan Stanley representative then asked for statements. I explained that these are Savings Bonds and there are no monthly statements available. They have my money frozen which I am trying to withdraw for my pending closing/home purchase coming up on XX/XX/XXXX. Please help! They are intransigent and this is theft of my money.

Company response to consumer: Closed with explanation