vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : This is a new complaint and request this gets handled immediately as it is damaging my credit and ability to obtain credit. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 specific answers to the specific questions 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 file 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.

Please see attached drivers license, social security card, proof of address, FTC Identity Theft Report, and complaint letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to California FCRA Identity Theft Fraud Laws Dear WELLS FARGO, I am writing to bring to your attention a serious violation concerning the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), California Civil Code Sections 1785.11 ( a ) and 1785.25 ( a ), and identity theft fraud laws, specifically California Penal Code Section 530.5. 

It has come to my unequivocal attention that WELLS FARGO has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as delineated in the FCRA, explicitly mandates that consumer consent is an absolute requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.11 ( a ), emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 1785.25 ( a ) of the California Civil Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as California Penal Code Section 530.5, underscore the seriousness of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WELLS FARGO to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing damage to my creditworthiness, and a disregard for federal and state laws.

I demand, with utmost certainty, that WELLS FARGO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Sections 1785.11 ( a ) and 1785.25 ( a ). Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WELLS FARGO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a consumer reporting agency can not furnish a 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 to any 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 2024-02-02 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:
It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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 am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

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 2024-02-02 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: CA

Complaint narrative:
These following inquiries are fraudulent : 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I had a CD for 5 years with Synchrony. I renewed it for another 5 years. Last XXXX they started to take out Federal with-holding. I was given conflicting info from the bank about how to return their signature card. I followed their instruction, which were incorrect. I pay my own estimated taxes quarterly, so I do not want Synchrony to take out W-H . I contacted Synchrony more than 6 times to stop this. On XXXX, XXXX, Synchrony employee number XXXX told me the W-H would stop. It didn't. On XXXX XXXX XXXX in their IRA Dept. said the W-H would stop. It didn't. On XXXX XXXX XXXX and XXXX XXXX said the W-H would stop. It didn't. I noticed on XXXX Synchrony with-held another {$280.00}, unauthorized by me. On XXXX XXXX XXXX checked with her manager ( XXXX XXXX at their Escalation Help Desk ) ( I was on the phone again with Synchrony for nearly one hour this time, several hours total time ). I was informed the W-H would stop. This remains to be seen. I can tell you after more than 6 years as a Synchrony CD holder I live off of the interest and pay quarterly estimated taxes. I am XXXX and live on a limited budget. It is very plain to me that Synchrony doesn't give two hoots about their customers.

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 2024-02-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
creditor claimed negative marks on credit report and that the account was considered late when no payments or contact was ever made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 a consumer reporting agency can not furnish a 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 to any 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
We pay extra every month for insurance on our loan. They really pushed the insurance on us because of our budgeting and income. We needed to use the insurance because my husband was laid off from XX/XX/XXXX through XX/XX/XXXX and he was on unemployment. I am completely XXXX without an income and my husband was receiving unemployment. 
The insurance company paid our payment of {$280.00} XXXX through XXXX One Main continued to debit my account XXXX and XXXX, double dipping payments from my bank account and insurance company. We called in XXXX to stop them from hitting our account on XXXX because they would AGAIN get 2 payments. According to my online account and my paper statement, I am paid head until XX/XX/XXXX. 
This morning I awoke to yet ANOTHER {$280.00} payment taken from my bank account. I have a XXXX BALANCE AND NOTHING WAS OWED. 
This unexpected withdrawal caused my electric bill to bounce. I called One Main and asked them for my money back and I was refused. I was told the only way I could get my money back was to stop payment ... ..well ... stopping payment automatically defaults your loan and they'll initiate repossession of the collateral ( my car ). So I'm left with no money, no income, {$860.00} missing out if my bank account that they're refusing to give back ... .and there isn't anything I can do about it. How can they LEGALLY accept monthly insurance payments for hardship, and continue to also debit your bank account. 
They are predators and this company needs to be investigated for insurance fraud. I want my money back!! I have a child here and my electric is about to get shut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I hold a PayPal business account which utilizes a debit card that draws its funds from my PayPal account balance. On a recent road trip I secured both a rental car and hotel accommodations that required a preauthorization amount be charged that included a refundable security deposit. After car is returned or check-out done at hotel, the merchant some time later finalizes the preauthorization charge to complete the transaction and indicate the balance that represents the security deposit may be released from hold into the customer 's account. 

My PayPal account posted the finalized transactions of both these charges, but in each case did not refund the balance of the original preauthorization charge to my PayPal account balance. I have had many charges like this in the past with PayPal, and always been credited back the deposit as soon as the final transaction posted. 

On XX/XX/24 I called PayPal customer service, who confirmed the security hold charges of {$45.00} for the rental car ; and {$50.00} for the hotel, were being held by PayPal and that I would need each merchant ( XXXX XXXX ) to provide on company letterhead an exhaustive list of satisfactions ( attached ) to indicate no claim of the PayPal-held security deposit. Alternatively, the service rep explained I could wait for the held funds to be finally redeposited into my account SEVEN ( 7 ) days later for the rental car ; and EIGHTEEN ( 18 ) days for the hotel. 

I've made these transactions hundreds of times before and had no issue with the funds being redeposited immediately upon final posting of the transaction. To make matters worse, there is no indication that you have funds being held or when they might release. The original preauthorization hold disappears from view and you're left wondering where the {$100.00} you were desperately waiting to free up went. That is inevitably followed by an hour-long attempt to contact customer service. Please closely examine the " release requirements '' demanded by PayPal for expedient resolving of the matter. Is it reasonable to ask a consumer solicit this detailed response from a XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: AR

Complaint narrative:
I am stresses and displease that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I fell your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. The following items/accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO THE XXXX XXXX ACCOUNTS HAVE THE SAME XXXX XXXX WHICH IS ANOTHER ERROR ON YOUR PART. REMOVE THESE ACCTS IMMEDIATLEY

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 2024-02-02 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: AR

Complaint narrative:
I am stresses and displease that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I fell your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. The following items/accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX  ACCOUNTS HAVE THE SAME XXXX XXXX  WHICH IS ANOTHER ERROR ON YOUR PART. REMOVE THESE ACCTS IMMEDIATLEY

Company response to consumer: Closed with non-monetary relief