vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since XX/XX/XXXX I started contacting Wells Fargo to issue a XXXX XXXX of credit for my international transactions. 
After several attempts of contacting, calls, branch visits, small business managers, they where always responding we will call you back and they never did it. In fact they provided a small key chain to authorize wire transfers which make me just authorize the wire transfers to the different vendors. I kept asking for the XXXX letter of credit or documentary letter of credit to secure my funds and they were always avoiding to respond. 
I started doing the transactions with the vendors and left me on a spot by my self just sending the payments and happens that this vendors never delivered the goods. 

After the production period they missed and delivery times for the goods they missed I started contacting the bank to make recalls of the funds due to non delivery and they took months and months to respond stating once you send the funds you are done. 

After all this situations just today XX/XX/XXXX I received a letter again from the bank that they tried to contact the paid banks and it was unsuccessful to recall the funds and that they where sorry for my loss. I have lost over {$210000.00} and they said they are not responsible after they never contacting me to provide these guarantees to avoid my loss.

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 2024-07-29 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: PA

Complaint narrative:
My identity was compromised and I have unauthorized credit inquiries on my profile

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 2024-07-29 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: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX, Trans Union immediately. 
XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX {$160.00} into XXXX XX/XX/XXXX {$1100.00}XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX {$3200.00}

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 2024-07-29 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, XXXX XXXX immediately. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX {$160.00} into XXXX XX/XX/XXXX {$1100.00} XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: OH

Complaint narrative:
I initially requested my " XXXX XXXX Report '' from Lexis Nexis using their online portal on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Lexis Nexis telling me that they were " unable to process my request ''. Per the instructions in the letter, I provided additional verification documents online, ( a scan of my driver 's license ) and received as a case #. 

I did not receive anything by mail, so I called back on XX/XX/XXXX. I verbally confirmed information with the company, and was told to expect my report by mail. 

On XX/XX/XXXX, I made another request online as I was attempting to find the phone number to call Lexis Nexis back. I called them the same day, validated my information again, and was told that I had been mailed my disclosure in XXXX and in XXXX, which I had never received. 

On XX/XX/XXXX, I received a second " unable to process request '' letter. I called them back during business hours on XX/XX/XXXX, and was told that the letter I had received on the XXXX was as a result of my online attempt made on XX/XX/XXXX. I was further told to wait for XXXX weeks before following up again, because the letter was in the mail. 

As of today, XX/XX/XXXX, I have not received my XXXX XXXX Report. I have received XXXX denial letters from Lexis Nexis, as described above, but not the actual report I have requested. I would like the CFPB 's help in obtaining this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am respectfully filing a Retaliation and Discrimination Federal Complaint against XXXX XXXX Credit Card Bank who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case # XXXX. I personally attended the court hearing today at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was present as she was subbing in for Honorable XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX of XXXX and XXXX XXXX Firm was present via Zoom and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
XXXX XXXX  Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is XXXX XXXX  Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Credit Card XXXX file a lawsuit against me, because I file various Federal Complaints with XXXX XXXX XXXX XXXX with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against XXXX XXXX  Credit Card be filed with XXXX Department of Justice immediately. 
XXXX Very Urgent Matters! 


Notice : XXXX Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, XXXX XXXX investigations will be in the best XXXX XXXX XXXX XXXX Credit Card Bank and not in my favor. 
His email : 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am respectfully filing a Retaliation and Discrimination Federal Complaint against XXXX XXXX  Credit Card Bank who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case # XXXX. I personally attended the court hearing today at XXXX XXXX  at Civil Commissioner Courtroom H, Department XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was present as she was subbing in for Honorable XXXX XXXX. XXXX XXXX said the next step is XXXX. XXXX  XXXX XXXX of XXXX and XXXX XXXX Firm was present via Zoom and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
XXXX XXXX Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is XXXX Bank Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX as a XXXX U XXXX American Citizen.? 
XXXX Bank Credit Card XXXX file a lawsuit against me, because I file various Federal Complaints with XXXX XXXX XXXX XXXX with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against XXXX XXXX  Credit Card be filed with US Department of Justice immediately. 
Extreme Very Urgent Matters! 


Notice : XXXX Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, Mr.Chris H investigations will be in the best XXXX XXXX XXXX XXXX Credit Card Bank and not in my favor. 
His email : XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am respectfully filing a Retaliation and Discrimination Federal Complaint against XXXX XXXX  Credit Card Bank who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case # XXXX. I personally attended the court hearing today at XXXX XXXX  at Civil Commissioner Courtroom H, Department XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was present as she was subbing in for Honorable XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX of XXXX and XXXX XXXX Firm was present via Zoom and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
XXXX XXXX  Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is XXXX XXXX  Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX as a XXXXXXXX XXXX XXXX XXXX XXXX.? 
XXXX XXXX  Credit Card Administration file a lawsuit against me, because I file various Federal Complaints with Consumer Finance Protection Bureau with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against XXXX Bank Credit Card be filed with XXXX Department of Justice immediately. 
XXXX Very Urgent Matters! 


Notice : XXXX Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, Mr.Chris H investigations will be in the best XXXX XXXX XXXX XXXX Credit Card Bank and not in my favor. 
His email : 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Splash Financial, Inc.
State: TN

Complaint narrative:
XXXX XXXX conveyed to me that they had a loan product through on of their partners that I had an excellent chance of approval or I would receive {$50.00}. I did not receive the loan, nor the promised {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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 reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-07-29 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation