vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, which has led to unauthorized access to my personal information. As a result, fraudulent accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of fraudulent information. 
Accounts to be Blocked and Deleted : 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 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 2024-12-16 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 noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. These errors are deeply concerning as they misrepresent my financial history and create unnecessary complications.

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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I started a wire transfer from my bank in usa BofA to XXXX XXXX XXXX as of today XX/XX/year> the money/funds where taken from my BofA account but never deposited into my XXXX account claiming that my middle name was not listed on the sender information and because of that the names did not match the XXXX account information, even that first and last name was correct. Meanwhile I'm afraid to use XXXX, and I'm using BofA debit card with a total of XXXX in fees, plus getting ripped off with a exchange rate of XXXX per dollar vs normally I would get XXXX. 
The only company getting a deal for my transactions are the banks nobody else.

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 2024-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2024 & XX/XX/2024, I applied for credit at Well Fargo application # XXXX. At this time, my application was not return to me. I gave Wells Fargo a Security Collateral aka my application and Per Wells Fargo & Wells Fargo Company Security Exchange Commission filings & indenture agreements- they can take all applications whether its denied or approved & turn those receivable and turn them into cash to securitize with their XXXX Bank with XXXXecurity Exchange Commission. I want my Application/securities RE TRACK from wells fargo. I'm don't want wells fargo to profit from my security collateral since I never received any fair exchange with them. And, I'm also requesting the 1099b tax form to completed and forward to me, since i did XXXX transaction with wells fargo according to IRS.

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 2024-12-16 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:
INCCURATE AND UNVERIFIED INFORMATION IS BEING REPORTED ON MY CREDIT CONSUMER FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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 2024-12-16 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: ProCollect, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  {$7600.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 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 explanation
Consumer complaint received 2024-12-16 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: TN

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
XX/XX/year> I checked my credit report and found that I had a public account Bankruptcy showing the case number is XXXX is what displaying on Equifax i contacted the United States bankruptcy court and was told they do not report to the credit bureaus. I was lied to By Equifax I am requesting that this public record be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application # XXXX. At this time, my application was not return to me. So, I have gave Wells Fargo XXXX XXXX aka my application. I want my Application/securities RE TRACKED from wells fargo because all application approved or denial can be sold, transfer or assigned & I'm don't want my wells fargo to profit from my security since I never received anything from them. And, I'm requesting the 1099b tax form to completed and forward to me, since i did Barter transaction with wells fargo according to IRS.

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: VA

Complaint narrative:
This is a fraudulent account that I'm trying to close. In the mail, I received a card from NETSPEND with a routing number, accounting number and bank name ( XXXX XXXX ). I did not apply for this account. The account was opened by an unknown person using my personal information without my consent. This is a fraudulent account. I called Netspend several times and also emailed, but there were no options to speak with a person or to report the fraud. I am continuing to make efforts to close this account.

I have reported the fraudulent account to identitytheft.gov.

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 2024-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate information regarding Student loans on my Transunion credit profile.

These inaccuracies should be remove 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 2024-12-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
This is a response to complaint XXXX ( Ive attached your reply ).

If I understand correctly, you removed all fraudulent information on XX/XX/year>. However, as of today ( XX/XX/year> ), XXXX has again declined my dispute to remove this fraudulent account, stating that the bank confirmed it as legitimate.

Could you please ensure that XXXX is contacted and this account is permanently removed? Ive been dealing with this issue for 800 days and every time your response Please wait for 60 days doesnt work.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TN

Complaint narrative:
The following Accounts showing on my Equifax Credit Report are Fraudulent 1 ) Account owner Joint Account Date reported XX/XX/XXXX Account status Unpaid Creditor Classification Rental/Leasing Original amount owed {$2600.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$2600.00} Comments None Balance date XX/XX/XXXX Date of first delinquency 2 ) Date filed 3 ) XX/XX/XXXX 4 ) Bankruptcy disposition 5 ) XXXX XXXX 6 ) Liabilities 7 ) Individual/Joint 8 ) Individual 9 ) Current disposition date 10 ) XX/XX/XXXX 11 ) Exempt amount 12 ) Comments 13 ) Case number 14 ) XXXX 15 ) Date reported 16 ) XX/XX/XXXX 17 ) Court number/name 18 ) XXXX 19 ) Individual/Business 20 ) Individual 21 ) Asset amount 22 ) Date verified 23 ) Prior disposition 24 ) XXXX FILED 1 ) XXXX  XXXX Bankruptcy Reference NumberXXXX ( This Bankruptcy Belongs to a XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount {$670.00} Account # XXXX Date opened XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$900.00} XXXXXXXX XXXX XXXX Account # XXXX Amount {$7100.00} Date opened XX/XX/XXXX XXXX  XXXX Bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The JPMCB CARD must validate these accounts, this complaint to JPMCB CARD is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they totally erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
After I paid online it went straight back to make a payment screen. There was no confirmation that I made a payment. So I called the company Rubin & Rothman and made a payment again, as I was told a glitch in the system mustve happened and my payment didnt go through! Then when I asked for a confirmation number to be sent to my email I was told a third party handles that and they would be sending me a letter in the mail. This is my second time making a payment to this debt collector and I have not received any confirmation by email or by snail mail yet. So please advise as I am unable to obtain proof of payment made.

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 2024-12-16 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:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
I a

m listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff- XXXX 694061***Date Opened : XX/XX/XXXX Balance : {$610000.00} Late/Open- XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: PNC Bank N.A.
State: TX

Complaint narrative:
THE CARD HAS AUTOMATED PAYMENT AND I CALLED AND THEY GAVE ME CREDIT FOR THE LATE FEE BUT THEY DID NOT CORRECT THE LATE PAYMENT THAT IS AFFECTING MY CREDIT. I MADE AUTOMATED PAYMENT ARRANGEMENTS BACK IN XXXX AND FEEL ITS NOT MY FAULT THAT THEY DID NOT PROCESS THE AUTOMATIC PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-16 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXXDate Opened : XX/XX/year> Balance Owed : {$68000.00} Chargeoff-

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 2024-12-16 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently to open or manipulate accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX  - {$3300.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently to open or manipulate accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$3300.00} Fraudulent Inquiries : 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