vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/ DEPT OF ED XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This is the 3rd time this company used identity theft along with the same address that I stated last year that took my identity. This is not my address nor my account. I do not know why this isnt flagged and still asking for this amount to be paid when this is a fraudulent account and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am expressing my serious concerns regarding the unauthorized access to my personal information and the reporting of information to credit bureaus by your XXXX XXXX and LVNV Funding Collection. After a thorough examination, I am not aware of any contractual relationship or agreement that would authorize these agencies to handle my personal information or report any details about my financial obligations. 

I understand these companies may be engaged in debt collection activities ; however, it is imperative to emphasize that the absence of a contractual relationship between me and you raises questions about the legality and validity of their actions. As a consumer, I have not entered into any agreement or contract with either agency that permits the collection of my data or authorizes the reporting of such information to credit reporting agencies. 
According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting, and any information reported must be substantiated and legally permissible. I am concerned that the reported information may be I kindly request that they provide written documentation establishing the legal basis for their collection efforts, which they failed to produce, and the reporting of information to credit bureaus concerning my account. 
Additionally, please provide any relevant contracts or agreements that authorize your agency to handle my personal information and report on my credit. accurate, incomplete, or reported without proper authorization. 
Until such time that proper authorization and documentation are provided, I insist that they cease all collection activities related to my account and remove any reported information from my credit report. 
Failure to provide the requested documentation within [ reasonable timeframe, 15 days ] will compel me to escalate this matter to the appropriate regulatory authorities and pursue legal remedies available to me under applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This company states that they are arbitrator of XXXX XXXX. They state that I opened this payday loan on a bank account in my name. I do not know an information about this. This law group is using abusive and taunting tactics to exploit. I have asked several time to put all of this in writing. Apparently with their arbitrator this is in active court but can not or will not provide further information. I donor have knowledge of this and I am asking for proof of their claim or STOP CALLING and Provoking 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 explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX & XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MI

Complaint narrative:
A charge off is considered a certificate of indebtness which means it is income and must be removed. 

This is also violation of my privacy under the Privacy Act of 1974

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: MI

Complaint narrative:
A charge off is considered a certificate of indebtness which means it is income and must be removed. 

This is also violation of my privacy under the Privacy Act of 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around XXXX inquires from unknown sources to my report. I have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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 went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around XXXX inquires from unknown sources to my report. I have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/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 explanation
Consumer complaint received 2024-01-11 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: AZ

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
They was reporting incorrect and un validated debt late payments, close the accounts, miscellaneous numbers, miscellaneous address, Without my authorization, making my opportunities, slim to none getting credit cards home loans or etc. 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
They was reporting incorrect and un validated debt late payments, close the accounts, miscellaneous numbers, miscellaneous address, Without my authorization, making my opportunities, slim to none getting credit cards home loans or etc. 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
XXXX XXXX XXXX  I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated.

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties.

The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

Please keep me informed about the progress of this request and provide any updates or additional instructions as necessary within 10 days of this notice. I appreciate your attention to this matter and your commitment to upholding fairness and justice within our legal system. 
Thank you for your time and prompt attention to this important request. Please do not hesitate to contact me in writing at the above address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2024-01-11 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: AL

Complaint narrative:
I was looking at my report and notice there were some things that was not correct, I sent a letter to XXXX on XX/XX/2023. But it has been more than 35 days since the credit bureau has responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject of subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained XXXX  consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
As a XXXX XXXX XXXX, my business accounts were with XXXX before the merger with Wells Fargo. After 15 years with this bank, On XX/XX/XXXX, I received a notice from Wells Fargo advising we can no longer use a XXXX XXXX XXXX our mailing address and require a physical address. This is highly unlikely as many businesses utilize XXXX  for mailing purposes. We compiled, called Wells Fargo customer service on XX/XX/XXXX, spoke to a rep and updated the mailing address with a physical address. The address was updated on the account effective XX/XX/XXXX. 
On XX/XX/XXXX, I checked my Wells Fargo business account to discover Wells Fargo closed the account due to " Physical Address required. '' I called immediately to dispute that fact as the last statement reflected the physical address. We were told, we needed to enter a branch to show the proof of address change ( This was never relayed in the letter or prior communications ). Nevertheless, I took a copy of my XXXX  XXXX XXXX XXXX 's license which reflected the same physical address to the branch and was told that the account was closed, a check mailed to me ( the same mailing address in which they are questioning ) and can not be re-open. 
I have a genuine issue as this account is our primary business account utilized for direct deposit and payrolls. The inconvenience of opening a new account elsewhere potentially will cause the business undue fees and expenses. 
Please review the business practices of Wells Fargo and the impact on small businesses these unethical action causes.

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