vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( XXXX ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). 
The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. 
Under FCRA Section XXXX, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved. 
The credit bureau ( XXXX ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account. 
My Requests : XXXX. Immediate Deletion : - I am requesting that the credit bureau ( XXXX ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed. 
XXXX. Investigation : - I demand the credit bureau ( XXXX ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account. 
- The ID used to open this account and proof it matches my information. 
- Full chain of custody of the account and records of all transfers. 
- Proof of legal authority and licensing of the debt collector/creditor to collect this debt. 
XXXX. Compliance with the Law : - The credit bureau ( XXXX ) must comply with FCRA Section XXXX by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action. 
This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me. 
I have attached all relevant documentation, including my correspondence with the credit bureau ( XXXX ) and copies of my credit report reflecting this account. 
Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( XXXX ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). 
The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. 
Under FCRA Section XXXX, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved. 
The credit bureau ( XXXX ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account. 
My Requests : XXXX. Immediate Deletion : - I am requesting that the credit bureau ( XXXX ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed. 
XXXX. Investigation : - I demand the credit bureau ( XXXX ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account. 
- The ID used to open this account and proof it matches my information. 
- Full chain of custody of the account and records of all transfers. 
- Proof of legal authority and licensing of the debt collector/creditor to collect this debt. 
XXXX. Compliance with the Law : - The credit bureau ( XXXX ) must comply with FCRA Section XXXX by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action. 
This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me. 
I have attached all relevant documentation, including my correspondence with the credit bureau ( XXXX ) and copies of my credit report reflecting this account. 
Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Im a victim of Identity theft in about XXXX dollars. Got a 30 day late from the reason being. On XX/XX/year> I looked at my credit report and noticed some inaccuracies. I sent a letter to XXXX XX/XX/year> asking them to investigate these accounts XXXX Wells Fargo According to 15 USC 1i ( 5 ) I see it states that after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not investigate and violated my right.

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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: WV

Complaint narrative:
In XXXX there was a purchase of a XXXX  XXXX XXXX from XXXX XXXX in XXXX. The dealership lied to me about the financing, added on a whole bunch of Products that I didnt ask them for, didnt include the taxes in the financing and ignored complaints I had about the vehicles safety and driver assistance systems which led to an accident. Then they sent me the title for the car and then turned around and claimed that I hadnt made payments and they charged in off on my credit in the amount of {$39000.00}. They had no physical id when the vehicle was purchased because I couldnt find my license and they didnt ask for proof of insurance which resulted in me driving the vehicle off the lot without insurance. I have the title for the vehicle and they do not, which means that they do not own the vehicle. I am listed as the owner on the title. They completely made up my employer on the credit app, Ive never even heard of the place they used for my occupation, I was unemployed at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I did not authorize following inquiries showing on XXXX credit report : 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

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 2024-11-16 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: NV

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 personal credit card accounts opened at XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXXXXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX ) XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ) XXXX  account number ( 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. 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 ) 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 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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
This company is reporting fraudulent and inaccurate information on my credit profile. I have requested they provide me with the purchase agreement to full ownership of the account to make sure its my account. 

Account number ending in XXXX GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one 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 Experian 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 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Dear, Security Credit Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX request the following information. XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount and this dispute should be reflected on my credit report if you have already reported this debt. Please state your permissible purpose for accessing my credit information. I dispute your right to do so. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am writing to formally dispute the inclusion of unauthorized accounts on my credit report. I am a victim of a data breach that resulted in the compromise of my personal information, and I did not authorize these accounts. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : XXXX Accounts : XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: IN

Complaint narrative:
I am writing to formally dispute unauthorized accounts that have appeared on my credit report. I am a victim of a data breach, which compromised my personal information and led to the inclusion of fraudulent accounts on my credit file without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : XXXX Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4200.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00}

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 2024-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Last year, in XXXX of XXXX, someone tried to fraudulently deposit a check I wrote to my landlord for XXXX rent into their Wells Fargo Checking account. Wells Fargo contacted me regarding this, and I filled out the necessary affidavits to have the funds released to me ( {$2000.00} ). I was told I would have my funds within 120 days. That was well over 300 days ago. The bank I was with at the time ( XXXX XXXX  ) has since informed me that they aren't receiving any additional information from Wells Fargo and requested I complain through CFPB. I did this, and received a call from XXXX with XXXX Complaint Management with Wells Fargo ( XXXX ). She left me a voicemail saying she was looking at my case, but did not request any information from me. The next time I heard from her she said that she had closed my complaint because she did not get any additional information about the situation, during which time I reminded her I had never been asked to provide anything. She took down my information and story, and told me she would reopen the case so I could have this dealt with. I then waited 2-3 weeks, and called her again, looking for an update. I then proceeded to call her every day that week, sometimes more than once. I received one voicemail in return, the 2nd day I tried making contact. That was over a week and a half ago and I have not received any additional contact or information on where my funds are or how I can get them back. I don't bank with Wells Fargo, never have, and there is NO reason for them to STILL have my money, 50 weeks after this initially began.

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 2024-11-16 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: FL

Complaint narrative:
XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX - XX/XX/XXXX TransUnion

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 2024-11-16 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: IN

Complaint narrative:
I am writing to formally dispute unauthorized accounts that have appeared on my credit report. I am a victim of a data breach, which compromised my personal information and led to the inclusion of fraudulent accounts on my credit file without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4200.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The debt collector, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, XXXX, XXXX, has continued collection efforts against me although the XXXX XXXX  statute of limitations for obtaining a judgment against me has expired.

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
Firstsources advantage you have XXXX XXXXXXXX to resolve the claims identity theft fraud and they refuse and fest up with two claims XXXX and XXXX and CFPB # XXXX revealed as I had been told by XXXX were stolen by XXXX XXXX fake ssn XXXX in my name and handled by XXXX XXXX XXXX  as cards ending XXXX, XXXX, XXXX, XXXX and XXXX I learn from XXXX no. XXXX is instead by XXXX XXXX  Please Investigate XXXX XXXX - XXXX XXXX XXXX XXXX Loan XXXX XXXX fake XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX department Treasury XXXX XXXX XXXX XXXX XXXX XXXX dept of Treasury XXXX claim XXXX XXXX  claim XXXX XXXX NY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation