vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX at XXXX XXXX  on the Wells Fargo app I was using on my phone. Comes to find out when, I logged in on the app. That my checking and saving accounts was close for no reason. When I have a direct deposit setup in my checking account.This issue been an on going situation with the people behind Wells Fargo on my bank account.I would like to proceed this matter further. You can contact me at the above information provided.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding an unresolved debt collection issue with **Credit Collection Services** . On XXXX XXXX, XXXX, I received a collection letter from this company, which I believe is inaccurate and invalid. 
In response, I sent a debt validation letter via certified mail on XXXX XXXX, XXXX, requesting that they validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite the certified mail being delivered, Credit Collection Services has failed to provide me with any validation of the debt, as required by law. 

This failure to respond means that the debt is invalid, and they are in violation of my rights under the FDCPA. I am concerned that this collection account remains on my credit report without proper validation, and it is impacting my credit score unfairly. 

I demand the following resolution : 1. Immediate removal of this unverified debt from my credit report.

2. Confirmation that Credit Collection Services will cease all collection activities related to this account.

3. An official response to this complaint explaining why they did not provide validation in the legally required timeframe. 

I have attached supporting documentation, including : - The collection letter from Credit Collection Services dated XXXX XXXX, XXXX. 
- A copy of my debt validation letter, sent on XXXX XXXX, XXXX. 
- Proof of certified mail delivery. 

I would appreciate the CFPB 's intervention in resolving this matter and ensuring compliance with the law. Thank you for your attention to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Aunt deeded me her property XXXXyrs ago, she passed away XXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to work out the mortgage balance with Wells Fargo to no avail. They have ignored my requests and have now broken in to the house put padlocks on the doors in an attempt to lock me out of the property. They have discriminated against me. I have removed the locks put on the doors and am again attempting to work out the mortgage on MY PROPERTY to no avail. They have posted a sign on MY property making it look like an eviction notice in an attempt to intimidate 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 2024-09-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to follow up on previous requests made by phone and mail to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) regarding the removal of outdated addresses from my credit report. Despite making contact several months ago, these addresses still appear on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no association with these addresses, and they should no longer be connected to my credit file as I do not reside at any of these locations. Any correspondence or delivery intended for me will not reach me at these addresses. 

Please update my credit report to reflect only my current address and remove these outdated addresses immediately. This issue has persisted despite my initial attempts to resolve it, and I am requesting your prompt attention to ensure my credit report is accurate. 

I expect this matter to be addressed in compliance with the Fair Credit Reporting Act ( FCRA ), and I kindly ask that you provide written confirmation once the outdated addresses have been removed. 

Thank you for your immediate attention to this matter. 

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 2024-09-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To Whom It May Concern, I am writing to follow up on previous requests made by phone and mail to all three major credit bureaus ( XXXX, Equifax, and XXXX ) regarding the removal of outdated addresses from my credit report. Despite making contact several months ago, these addresses still appear on my report : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no association with these addresses, and they should no longer be connected to my credit file as I do not reside at any of these locations. Any correspondence or delivery intended for me will not reach me at these addresses. 

Please update my credit report to reflect only my current address and remove these outdated addresses immediately. This issue has persisted despite my initial attempts to resolve it, and I am requesting your prompt attention to ensure my credit report is accurate. 

I expect this matter to be addressed in compliance with the Fair Credit Reporting Act ( FCRA ), and I kindly ask that you provide written confirmation once the outdated addresses have been removed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received an email on XXXX from a XXXX XXXX from XXXX XXXX  XXXX  inviting me to contact XXXX XXXX XXXX thru XXXX XXXX. I interviewed for the remote position and soon after got the job. I was told all computer equipment would be paid for and they would provide vendors that had great prices. I received a check for XXXX for XXXX. I mobile deposited the check and Wells Fargo put the check in a XXXX pending and 24hrs later posted the check. After the check posted I was told to Wire transfer thru Wells Fargo XXXX XXXX XXXX : Here is the vendor wire transfer information : Bank name : XXXX XXXX XXXX Account Name : XXXX XXXX Account number XXXX Routing number : XXXX XXXX  address : XXXX XXXX XXXX XXXX  XXXX Account holders address : XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX  XXXX XXXX XXXX : - XXXX Then I received a 2ND deposit check for XXXX I mobile deposited this on XXXX and was told XXXX was instantly available. They had me get an XXXX XXXX XXXX ( for computer software ). It went in as pending and posted the next day. I was told to wire again the same person for XXXX on XXXX and also do XXXX XXXX XXXX debits ( these thru XXXX have been returned to me ). On XXXX a 3rd check for XXXX came in. I mobile deposited that, then I received an email from Wells Fargo that the first check was bouncing. I called the bank and asked for the fraud department. They told me all deposits would bounce and this was a fraud case, They set up XXXX claims. The checks did bounce and now My account is in a minus. I received another check for XXXX I took it to the back where I was told this was a bogus check. I started me thinking If the bank knew instantly the deepest check was bogus why didn't XXXX Mobile deposits cameras pick this up.. They didn't flag the deposits or put them in pending for a few days. I have been with Wells Fargo for 20-25 years, I know pending checks and then finally posting deposits. 
I find Wells Fargo complicent in this. We use a bank to have protection not to waive responsibility which they have done on XXXX occasions. We have filed with Attorney General Office in Pennsylvania, they reached out to Wells Fargo to deal with this. I have a case manager in XXXX, I hope to connect with him next week. I filed with FTC and FDIC and the police in 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 2024-09-28 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-09-28 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: MO

Complaint narrative:
I sent a certified letter to TRANSUNION on XX/XX/year> to dispute the late fee on my account from XXXX. I also included a letter from XXXX stating my account was NOT late. TRANSUNION did NOT put in my dispute after I sent proper documentation. I called and spoke with a XXXX but he also did NOT correct my report which is reporting me late for XXXX. I need this late fee removed from XXXX as soon as possible but they wont remove it with documentation stating so. 
Under FCRA Section 611 Once a dispute is received, it must be investigated and decided upon within 30 days. This time frame is critical for the dispute process because if the information can not be verified, or corrected, the agency must delete the disputed information by the end of those 30 days. TRANSUNION received it on XX/XX/year> and NEVER put in my dispute after receiving it. It is now XXXX and it is not removed from my report. Due to the timeframe allowed by the FCRA -my dispute is deemed accurate and should be removed due to the XXXX negligence of TRANSUNION XXXX Beyond 30 days allowed and tried to dispute it after me calling them out about my supportive documentation sent well over 30 days ago then put a dispute in and said the information was verified by creditor within days. Time frame was date received up to 30 days. They received it XX/XX/year> and never put the dispute in after me calling in XXXX XXXX I believe.

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 2024-09-28 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: AZ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: AZ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-09-28 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: AZ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-09-28 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: VA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH THE FOLLOWING ACCOUNTS ARE FRADULENT. THE FOLLOWING ACCOUNTS ARE INACCURATE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: VA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH THE FOLLOWING ACCOUNTS ARE FRADULENT. THE FOLLOWING ACCOUNTS ARE INACCURATE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


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 2024-09-28 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was property investigation but how is that, possible & the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1661 section 602 A. States I have the right to privacy 15 US. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 2024-09-28 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  - Account Number : 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