vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Claim # XXXX On XX/XX/22, Wells Fargo Online Fraud Detection Operations Department sent me a letter ( attached ), regarding unusual and authorized activities on my checking account " Restricting Access to my Accounts '' ( attached ) unless I contact them " My voice is my password, please verify me '', how can someone imitate you voice and over pass Wells Fargo Security System? 
I called Wells Fargo to report my cell & ATM Debit Card Stolen. 
Since accounts were compromised Wells Fargo made change account numbers, Usernames & Passwords for my safety and to protect my accounts, also CANCELED my " XXXX '' and " Wire Transfers ''. 
Since then I called almost everyday spending 2-4 hours between customer service and online fraud departments telling me " There's a process they need to follow & accounts are under investigation ''. 
On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter of temporarily credited my account for {$4000.00} ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that they have " Completed their Research '' and temporary credit is final ( attached ) On XX/XX/22, Wells Fargo Claims Assistance Center sent me a new letter stating that they need more information " Again '' after they completed their research XX/XX/22 and made it final ( attached ) On the same day XX/XX/22, Wells Fargo Claims Assistance Center sent me a letter stating that will reverse previous credit for {$1300.00} with XXXXXXXX XXXX XXXX XXXX in 10 business days. I didn't make any purchases or let anyone use my account or card ( statement with Merchants and withdrawls attached ). 
" WELLS FARGO HAS WRONG MERCHANTS AND WITHDRAWALS FOR XX/XX/22 CHARGES '' XX/XX/22, called Wells Fargo Claim Assistance Center and spoke to XXXX requesting an explanation and documentation regarding reversed credit for {$1300.00} with wrong Merchants and Withdrawals, they said will look into it and send information within 30-45 days

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 monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
someone opened a fraud credit account with genesisfs in my name. there address XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX they told me to report it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. Transunion and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to 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 non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and Experian obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to 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 non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Friday I recieved something in the mail showing XXXX XXXX with my address that nobody is suppose to have except Government Agencies and my job. This person is my biological sisters name. Ive not given out my address to no body I just moved here XX/XX/2022. Yet it shows a card from Truist Bank thanking for my account. So I contacted the fraud department and they stated on the automated system for me to type in my social security card then it prompted me to put in my debit card info which I didnt know because I dont bank with this bank never have. Finally got a fraud specialist on the line and he stated that there was an account open in my name but refuse to give me any more information on it and stated he closed it out. But that wasnt enough because he didnt seem so sure about it when I asked to speak to his supervisor he refused to allow me to. Basically my sister name was linked to my residential address without my consent and this make over 10 times this has happened in the past 3 years. Everywhere I move or even with my XXXX XXXX XXXX her mail starts to come to my address. We have not lived together in decades.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. 

YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc.
State: TX

Complaint narrative:
I am a natural consumer. I am protected by the consumer laws. Over the past 6 years, I have continuously disputed this account with the credit bureaus and the company itself. This account does not belong to me and over the years it has been reporting differently across the credit bureaus.I want it removed immediately from all consumer reporting agencies. It went from closed, paid charge-off in 2016 to having a balance and now it says paid by original creditor. The original balance has changed numerous times over the years.The date opened has changed over the years as well. The biggest issue is that they are maliciously updating the account every month as a charge-off which directly effects my credit score. I was denied a loan because they said I have recent charge-offs on my account. A charge-off can only be charged off 1 time. If the account was allegedly belonging to me, why would the original creditor pay it off? Something isn't adding up. It was never my account to start with. I was denied a loan because they said I have recent charge-offs on my account. I have filed a FTC identity theft report and would appreciate some assistance with this account. It has been a long 6.5 years of nothing but frustration and denials. PLEAE HELP ME GET THIS ACCOUNT REMOVED FROM ALL REPORTING AGENCIES. ENOUGH IS ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Oklahoma Student Loan Authority
State: MD

Complaint narrative:
Good afternoon. My name is XXXX XXXX and I have a twin named XXXX XXXX. Over the past 7 years since we have started working we have had a problem with our credit scores. The credit reporting agencies continues to label us as ONE person when its obvious that we are TWO people. We have disputed many of the wrongful accounts through XXXX XXXX XXXX, and XXXX. Once it has been submitted the dispute will be taken care of initially. After about a couple of months the same encounter that was disputed comes back again. We are trying our best to get this issue corrected but seems as though we continue to get thrown back into the loop whole of a problem. Please help us to find any solution to correct this problem seeing as though credit scores are your lively hood. As well as play a huge role in your advancement through life. 

Department of Education Loan/ OSLA : {$15000.00} Opened XX/XX/XXXX Department of Education Loan/OSLA : {$12000.00} Opened XX/XX/XXXX XXXX XXXX Loan XXXX {$20000.00} Opened XX/XX/XXXX Contacted XXXX XXXX and spoke to a representative and was told that the loan had the wrong social security number but the correct school and student name. Was advised to upload my social security number to them to prove that the loan is indeed not correct person. 

Contacted FASFA to ensure what the correct loans for XXXX XXXX. According to FASFA the only loans attached to XXXX XXXX is from XXXX XXXX XXXX  which is correct. The only schools that XXXX XXXX has attended were XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and now currently the XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX attended the XXXX XXXX and obtained a XXXX XXXX XXXX. She currently attends XXXX XXXX. 

All of the mix up has caused a huge issue within the household financially, and emotionally. I XXXX XXXX has tried to apply to many lines of credit and have got denied due to the debt to income ration being entirely too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with fair credit reporting act XXXX Accounts, Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Equifax- USPS XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC

Complaint narrative:
My sister, XXXX XXXX, unfortunately died in 2019 and you continue to pester us and collect undue debt with a court decision, as attached, which declares that it is undue. 

This is gross nonsense and disrespectful. If this is not resolved immediately, I will contact the press. 

I request immediate unlock of my XXXX cell device and there is still a financial pending, but I already have a court decision that decides as an undue and prescribed pending. 

Phone bill was ( XXXX ) XXXX for XXXX XXXX. 

XXXX XXXX  model XXXX information Serial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Denefits LLC
State: TX

Complaint narrative:
LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
I have a hard credit inquiry on my credit from " Credco/Credco XXXX XXXX XXXX, XXXX XXXX XXXX CA. I did not authorize anyone to do a credit check, I did not purchase anything, I did not look into any loans or anything. I gave no one permission to check my credit.

I've been trying for months to talk to someone at Credco ( XXXX ) with negative results. All I get is a quick disconnection or a recording saying they can't complete the call. 

I contacted XXXX XXXX and received a letter stating I need to contact the party that did the Inquiry. A lot of help they were.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These three credit bureaus are causing me physical harm with there reportings of negative and hard inquiries all over my credit report. They removed these inquiries after our first letter then they added back these negative inquiries which caused my score to drop tremendously in the middle of a deal. These are law violations, privacy violations, through multiple channels : Federal credit laws including the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ) 609 of the FCRA or Fair Credit Reporting Act, and the Fair Debt Collection Practices Act ( FDCPA ) .. laws that govern reporting of this nature I am requesting an authorization document showing I gave consent to report my personal information publicly. Your reporting is causing me major compensation that I intend to retrieve. If you fail to resolve this issue. My next step will be an audit and notifying all the above channels of your actions along with the Department of Transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021

Company response to consumer: Closed with explanation