vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX 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. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
COMPANY, BANK OF America, XXXX, FL XXXX XXXX  They refused to stop a fraudulent transfer from my personal bank account to a scam source even though I met with a bank representative in a timely manner. The bank was on hold with their fraud department for over 45 minutes and because of the delay on the part of the bank, funds were transferred out of my account to a fraudulent source. This occurred in my presence as I sat at a desk in front of a bank representative.

The bank has refused to guarantee the reinstatement of my funds. This has happened twice since XX/XX/year>. I am a widow, retired on a fixed income and a 34 year customer of Bank of AMerica. I am treated disrespectfully and I am not told the truth. I must have those funds reinstated into my account. The bank is NOT cooperating. Yes, it involved a scam, but I caught it and immediately reported the scam in person at the bank but it was due to the banks delay while trying to get cooperation from their fraud dept that the funds were transferred out of my account. The bank has refused to reinstate the funds. I have no options as a retired widow. Can someone help me? I am a XXXX grad so I am not uneducated and naive. I am very well educated and have worked my entire life as a widow raising my daughter, who is now an adult. Can you assist 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 monetary relief
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX 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 2024-12-20 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX : Denial of Fraud Block Request and Failure to Address Identity Theft Claims Details of the Complaint : XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by : Denying a Valid Fraud Block Request : I submitted an FTC Identity Theft Report, along with proof of identity and address, as required by FCRA XXXX. XXXX rejected this documentation and failed to block fraudulent accounts and inquiries from my credit report. 

Failing to XXXX Disputes : Despite receiving disputes regarding fraudulent accounts and inquiries, XXXX continues to report incorrect information, violating FCRA XXXX ( a ). 

Ongoing Reporting of Inaccurate Information : Fraudulent accounts such as XXXXXXXX XXXX XXXX  XXXX XXXX, and multiple XXXX XXXX accounts remain on my report, along with unauthorized inquiries. This violates FCRA XXXX ( b ) ( maximum possible accuracy ). 

Harm Caused : Financial Harm : Denial of credit opportunities and increased interest rates due to fraudulent accounts. 

Reputational Damage : False information on my report has harmed my creditworthiness. 

Emotional Distress : Prolonged stress and frustration caused by XXXX negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continues to deny my claims Im a XXXX  and I was XXXX  and someone stole my debit cards and checks and did fraud on my account I gave Wells Fargo the police report and ftc report and the suspect who stole my cards and checking account info is in custody Wells Fargo still denies my claims and are stealing my money

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-20 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: Westlake Services, LLC
State: VA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-20 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: IL

Complaint narrative:
I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX and I would like them removed off my credit report. XXXX XXXX XXXX XXXX is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and I've asked the company cor a cease and desist and they keep contacting me which lawis a violation of the. 

According to XXXX XXXX XXXX XXXX G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

XXXX XXXX is stating I owe them a debt and I have received a welcome letter they received on a previous complaint. XXXX XXXX didn't have my email and this is notification of a cease and desist. 

On a previous complaint they stated they sent a welcome letter which was terms and conditions of whatever fraudulently product the have on my credit report that needs deleted. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

XXXX XXXX needs to delete delete any and all information that is related to them and if they refuse I will use all laws applicable to me and sue. 

The documentation I've uploaded came from XXXX XXXX in which they state is a welcome letter in which it is not.

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 2024-12-20 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: IL

Complaint narrative:
I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX and I would like them removed off my credit report. XXXX XXXX XXXX XXXX  is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and I've asked the company cor a cease and desist and they keep contacting me which lawis a violation of the. 

According to XXXX XXXX XXXX XXXX XXXX  I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

XXXX XXXX is stating I owe them a debt and I have received a welcome letter they received on a previous complaint. XXXX XXXX didn't have my email and this is notification of a cease and desist. 

On a previous complaint they stated they sent a welcome letter which was terms and conditions of whatever fraudulently product the have on my credit report that needs deleted. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

XXXX XXXX needs to delete delete any and all information that is related to them and if they refuse I will use all laws applicable to me and sue. 

The documentation I've uploaded came from XXXX XXXX in which they state is a welcome letter in which it is not.

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 2024-12-20 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 submitting this complaint to address ongoing issues with XXXX, XXXX, and Equifax regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

Details of the Inaccuracies Incorrect account dates that do not match the original creditor 's records. 
Inaccurate balance amounts, which are not consistent with actual account statuses. 
Payment history errors, such as reporting late payments that never occurred. 
List of Accounts with Errors The following accounts contain inaccuracies : Account XXXX : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief