vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: DC

Complaint narrative:
False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed.

The following elements should be removed from my consumer report 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account XXXX : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

4. FDCPA section 807 violation misleading false reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 As evidenced, you are required to provide notification within 30 days, not one day later. 
As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXX XXXX XXXX  and the Federal Trade Commission. 
Sincerely, 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I been advised to give TRANSUNION 1 last final chance to cure. I'm a federal protected consumer and federal laws have been broken. I have been patient with the process, but we have been dealing with this since XXXX. So I want to be clear I don't want we still working on it, or this is a duplicate. I have to send this over and over because I have not been presented with these items. I want the original wet signature contract between ME and XXXX XXXX XXXX XXXX stating I will pay alleged debt, also me given consent to furnish said debt on my consumer report. I also want and asked for the license to collect a debt in florida, the date of license and the name on the license. The following federal laws have been broken and also I will have the CFPB send this to the FTC. FCRA 609 and 605 as well as 623. Also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. 15 USC 1682g. So to be clear I asked for the wet signature contract between ME and XXXX XXXX XXXX XXXX, and also me given written instruction to furnish ANYTHING on my consumer report, which I NEVER did and thats identity theft. Also TRANSUNION I have late payments which VIOLATES my federal protected rights 15 USC 1666b. So to be clear TRANSUNION and XXXX XXXX XXXX XXXX have VIOLATED my federal protected rights by not presenting all the items stated above, but yet still furnish negative item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT THE CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-01-19 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: TX

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2024-01-19 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: DC

Complaint narrative:
15 XXXX days should be plenty of time for your company to send me the information that I'm requesting regarding the previous investigation you did on the following accounts listed below. Your Method of Verification is highly requested. To my understanding you sent back an insufficient reinvestigation and everything is still not meeting FCRA Requirements. 
1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX XXXX XXXX XXXX Please remove this account or I will file litigation. 
2. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
3. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You claim to have verified these accounts pretty fast which you probably didnt completely do. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what evidence are you basing your verification off? Please send that to me also. I want to make sure you are following the laws that are in place that protect us normal people. 
please send me my full credit report along with the following items : your investigation results contact information for each creditor The persons name they verified the dispute with The documentation used to verify the dispute and any relevant information from the previous investigation. 
Sincerely yours, 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 2024-01-19 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C.
State: GA

Complaint narrative:
I have informed the agency that I lack the funds and the responsibility for the debt they are attempting to collect. My residence was involved in a fire, and the owner 's insurance company compensated the owner. Now, the insurance company is pressuring me to pay through their collection agency, despite my homelessness and lack of financial responsibility as the tenant. Despite explaining this, they intend to persist in contacting me, evidenced by repeated back-to-back calls, which I have documented with screenshots. I request that they cease and desist from harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: DC

Complaint narrative:
15 XXXX  days should be plenty of time for your company to send me the information that I'm requesting regarding the previous investigation you did on the following accounts listed below. Your Method of Verification is highly requested. To my understanding you sent back an insufficient reinvestigation and everything is still not meeting FCRA Requirements. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX XXXX XXXX XXXX Please remove this account or I will file litigation. 
4. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
You claim to have verified these accounts pretty fast which you probably didnt completely do. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what evidence are you basing your verification off? Please send that to me also. I want to make sure you are following the laws that are in place that protect us normal people. 
please send me my full credit report along with the following items : your investigation results contact information for each creditor The persons name they verified the dispute with The documentation used to verify the dispute and any relevant information from the previous investigation. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm a victim of identity theft and XXXX has admitted that their breach was the cause which lead to someone else receiving my unemployment benefits.

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 2024-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo put the few XXXX dollars form payroll deductions for an XXXX XXXX  XXXX  into an unsuitable 'managed ' account, which lost much of its value. They " managed ' to lose hundreds, and took the rest of my money with high fees. Since I was not notified, this was illegal. Calling them was a waste of time. 

Compare this to my experience with my main plan, from a small non-union XXXX XXXX, which also had to liquidate their fund. 

A single XXXX  person helped about XXXX former employees transfer to no cost XXXX XXXX  online account, into FDIC insured, money market fund, with no fees paying a little interest too. Fully liquid, I could then buy stock, bonds with great online app, at my own pace. 

Link to XXXX XXXX XXXX Wells Fargo Agrees to Pay {$1.00} Billion to Settle Pension-Led Lawsuit XX/XX/2023 '' Wells Fargo Agrees to Pay {$1.00} XXXX to Settle Pension-Led Lawsuit Mississippis public employees ' fund, a Louisiana sheriffs fund and the state of Rhode Island were among the lead XXXX XXXX 

XXXX XXXX XXXXXXXX? XXXX This EMAIL is to serve as a demand letter. If I do not get my original balance restored, then dispersed as a XXXX payout in a check, with a proper 1099 I will pursue this matter in court.

I called Well Fargo about 10 years ago to complain about management fees totaling 26 % of the value DECLINING fund. One hour on the phone got me nothing. I asked why wasn't it all in a XXXX XXXX, and can you do that? I was told they didn't have that. But there is some in a XXXX, with a 3 % fee, which is usually no cost, because there is NOTHING to manage. 

I asked them if they thought it was fair to XXXX XXXX, a poor performing fund with a small amount of money.. They just told me about thinking long term and it might come back. Since the fund had less than {$1000.00} to begin with, I decided to let it roll, just to see if they would take it all. How could it come back with Wells taking 26 % in fees?

Now they are saying they need a " contract number '' to verify. In addition to my account number, just to access, or to ask questions. Then, they hung up on 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 2024-01-19 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 a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MD

Complaint narrative:
To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, 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 2024-01-19 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2024-01-19 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:
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specic answers to the specic quesons asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit le that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion XXXX and XXXX have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and Experian have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''

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