vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Identity theft. The consumer reporting agencies commit fraud everyday by keeping adverse information on consumers credit reports even after written consent was established to be removed. They play games with you on the phone and on the internet when you request removal and delay consumers on purpose then pretend like nothing wrong was done and no law was broken. XXXX, TransUnion and XXXX all need to be under investigation for identity theft for millions of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2024-08-11 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: IL

Complaint narrative:
Identity theft. The consumer reporting agencies commit fraud everyday by keeping adverse information on consumers credit reports even after written consent was established to be removed. They play games with you on the phone and on the internet when you request removal and delay consumers on purpose then pretend like nothing wrong was done and no law was broken. XXXX, XXXX and Equifax all need to be under investigation for identity theft for millions of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
Identity theft. The consumer reporting agencies commit fraud everyday by keeping adverse information on consumers credit reports even after written consent was established to be removed. They play games with you on the phone and on the internet when you request removal and delay consumers on purpose then pretend like nothing wrong was done and no law was broken. Experian, XXXX and XXXX all need to be under investigation for identity theft for millions of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had an online banking account with Wells Fargo Bank but since then Wells Fargo Bank has been preventing me online access to my checking account and XXXX my XXXX brokerage accounts ( XXXX taxable, the other IRA ) And THIS despite many attempts on my part to gain online access! 

I am a senior citizen of very advanced age and, most unfortunately, have several LIFE-THREATENING medical conditions. And THUS : I can not just pop over to the local Wells Fargo Bank branch here in XXXX, New Jersey! 

I have repeatedly told Wells Fargo bank about my very advanced age and LIFE-THREATENING medical conditions but apparently they do not care at all. 

AND SO : I have no idea the status of my aforementioned accounts despite my very best efforts to keep my checking account IN BALANCE! 

I have received perhaps a dozen or more emails from Wells Fargo Bank that my balance in my checking account registers " zero balance '' and this despite my having added additional funds! 

Upon information and belief, Wells Fargo Bank is adding fee after fee such that my aforementioned banking account can not at all remain IN BALANCE! 

To add gross insult to gross injury, Wells Fargo Bank DEMANDS that I MUST have a mobil phone in order to access my aforementioned accounts on line! THIS despite both my beloved and loving wife, best friend, and soulmate XXXX, also a customer of Wells Fargo Bank, and I repeatedly but repeatedly but repeatedly stating that WE DO NOT HAVE A MOBILE PHONE!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry XX/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 non-monetary relief
Consumer complaint received 2024-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: MS

Complaint narrative:
I have provided Experian, XXXX, and XXXX with notarized copies of section 605B of the Fair Credit Reporting Act and FTC Identity Theft Report # XXXX, Police Report # XXXX, Small Claims Lawsuit Case # XXXXand CFPB Report which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I am a victim of identity theft and human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from all three companies XXXX for myself, XXXX XXXX last XXXX Social Security number is XXXX, XXXX : XX/XX/year>. 
Please delete the following accounts : Creditor : XXXX XXXX Partial Acct # XXXX. 
Creditor : XXXX XXXX Partial Acct # XXXX. ( against my religious belief fraudulent reporting account with XXXX repetitive numbers ) Creditor : XXXX XXXX XXXX XXXX Partial Acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DriveTime
State: OH

Complaint narrative:
When contacting DrivetimeXXXX  after settling account to notify them that information on the account was inaccurate and inconsistent across each credit bureau XXXX After numerous disputes of this violation to the FCRA, they continued to validate and claim to update the account however they are still reporting inconsistent and inaccurate information to each credit bureau. The credit bureaus will no longer allow me to dispute this so I have to come to the CFPB to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry XX/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 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized Hard Inquiry Dispute I recently noticed an unauthorized hard inquiry on my credit report from XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), a permissible purpose must exist for accessing my credit report, and I have not authorized this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account, it is hurting my ability to obtain employment and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXXXXXX XXXX  XXXX Citibank, XXXX XXXX  XXXX XXXX the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: GA

Complaint narrative:
I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account NameXXXX : 15 U.S.C 1681 section 602 A. States I have the right ot 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 Delete this account immediately, unless you want ot be held {$1000.00} per violation 2. Account Name : Account Number : 15 U.S.C 1681 section 602 A. States Ihave the right ot privacy. [ Text Wrapping Break ] 15 U.S.C 1681 Section 604 ASection 2 : tI also states a consumer reporting agency can not furnish a account without my writen instructions [ Text Wrapping Break ] Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
midland credit management calling about a credit card debt on a sunday and an XXXX speaking voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This to formally lodge a complaint against Experian for failing to remove fraudulent accounts that were previously reported and addressed to them from me after noticing it on my report. Continuing to store and furnish inaccurate information despite multiple attempts to address these issues, the bureau has not corrected the inaccuracies nor removed the fraudulent accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit bureaus are required to ensure the accuracy and completeness of the information they report. Additionally, 15 U.S.C. 1681b requires that information furnished to credit bureaus must be accurate. The persistence of these inaccuracies not only violates my rights under the FCRA but also damages my creditworthiness and financial reputation. I request immediate intervention to rectify these inaccuracies and remove the fraudulent accounts from my credit report. Accounts in need of immediate attention as of follows : XXXX XXXX XXXX  # XXXX fraudulent account listing and storing inaccurately across the scope and even more falsely displaying my true transactions and experiences in my consumer file. 
XXXX XXXX # XXXX fraudulent account still listing even with Ftc report , written letter from me etc. Account falsely displaying across data furnishers even more damaging to my creditworthiness and reputation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date : XXXX Financial center name : XXXX XXXX Name : XXXX XXXX Employers telephone : XXXX Declination notice was sent to my home address. I received a notice from Bank of America that stated the following : Thank you for your interest in opening a deposit account with us. At this time we are unable to open an account for you. ( See attached for additional details and proof of notice ). 

I, XXXX XXXX XXXX formally named XXXX XXXX XXXX never tried to opened an account at Bank of America in XXXX, AZ. 

I am reporting this as a scam and possible 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 2024-08-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
When contacting XXXX/Bridgecrest after settling account to notify them that information on the account was inaccurate and inconsistent across each credit bureau XXXX After numerous disputes of this violation to the FCRA, they continued to validate and claim to update the account however they are still reporting inconsistent and inaccurate information to each credit bureau. The credit bureaus will no longer allow me to dispute this so I have to come to the CFPB to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have contacted XXXX XXXX regarding an account. According to XXXX, they have no knowledge of this account, nor do they recognize the amount associated with it. 

I have been a XXXX customer for two years, and I have consistently made my payments on time. All my accounts with XXXX are current. The reason for this report is that the erroneous information is negatively impacting my credit, and I would like to request that this issue be resolved as soon as possible. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX trasnunion ( High Balance {$2400.00} ) ( Unpaid Balance {$0.00} ) XXXX XXXX XXXX XXXX  ( High Balance {$2400.00} ) Unpaid Balance {$0.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
purchased item on XXXX, paid with XXXX XXXX, then thru Chase XXXX. Disputed charged to all due to did not work. seller sent me return labelXXXX XXXXXXXX and I sent back, and he sent me email he received. XXXX XXXX XXXX return, Pay Pal, put in sellers favor, due to I had dispute with Chase, Chase reversed there credit due to Pay Pay response. Then XXXX XXXX put dispute in my favor and resent monies to Chase. Chase won't release my {$860.00}, I have had a 3 way phone call and Pay pay says it is In hands of bank, bank says they have no record of the money transfer. This has gone for

Company response to consumer: Closed with explanation