vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm frustrated with the fraudulent accounts on my credit report, and I warn that any non-compliance by your bureau may lead to legal action. It's unacceptable that only your bureau continues to report these accounts, causing harm to my credit score, while the other bureaus and creditors have already addressed and removed them. I demand immediate action, a thorough investigation, and written confirmation of the resolution to avoid legal consequences. XXXX XXXX XXXX XXXX Date opened : XX/XX/2XXXX 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 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: FL

Complaint narrative:
Dear Equifax, I am writing to express my deep concern regarding the improper use of my credit report and the consistent reporting of inaccurate information to your bureau. 
My equifax credit file should have been frozen but it wasnt. Equifax should have abided by consumers choice on the call when I requested a freeze. Furthermore, it is reporting a XXXX FICO score. 
As a consumer, I entrust Equifax with sensitive financial data, expecting it to be handled with the utmost care and accuracy. However, recent experiences have led me to question the ethical standards upheld by your organization. It has come to my attention that my credit report has been utilized improperly, potentially for the benefit of Equifax, through the sale of inaccurate information. This unethical practice not only violates my trust but also undermines the integrity of the credit reporting system as a whole. Furthermore, I have repeatedly encountered inaccuracies in the information reported by Equifax. These inaccuracies have had detrimental effects on my financial well-being, leading to unfair denials of credit and other opportunities. Despite my efforts to rectify these errors, they persist, indicating a systemic failure in your data management and verification processes. I demand immediate action to rectify the inaccuracies in my credit report and to ensure that my information is not misused for your benefit or that of any third party. Additionally, I urge Equifax to implement stringent measures to prevent such unethical practices from occurring in the future and to restore trust in your organization among consumers. Failure to address these concerns promptly and effectively will leave me with no choice but to pursue further action to protect my rights as a consumer. I trust that Equifax will take this matter seriously and prioritize the integrity and accuracy of the information it handles. I look forward to your prompt response and resolution of these issues. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the presence of a fraudulent account on my credit report, despite confirmation of its fraudulent nature and assurances from the bank of its removal. XXXX and XXXX credit bureaus have already corrected this error, highlighting a clear discrepancy in reporting. 
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 2024-02-13 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not have a contractual agreement with LVNV FUNDING, nor have I ever conducted any business with them. This company reported to XXXX that I owe them {$7300.00}, and I am not liable for this debt. 

I have requested multiple times in writing via certified letter for LVNV Funding to provide me with the original contract and debt validation documents according to the Fair Debt Collection Practices Act, 15 USC 1692g. Last request on XXXX2023. 

Under 15 U.S, C. 16811 ( 7 ) Method of verification, this account is in violation ; it was reported without valid evidence. 

This company has also violated my rights. 15 U.S.C 1681 Sec 602A. states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX XXXX now owned by Wells Fargo promised me at origination that my loan would not be sold at my verbal request. 

Today XX/XX/XXXX I received a letter from Wells Fargo that my loan has been sold to XXXX XXXX a servicing provider who this past XX/XX/XXXX had a major security breach of 14.7 million customers sensitive information. 

I contacted Wells Fargo today and spoke with XXXX who hung up on me. I immediately called Wells Fargo back and spoke toa representative named XXXX who told me Fannie Mae told Wells Fargo they could no longer be the servicing provider and my loan had to be transferred to XXXX XXXX. 

Knowing this was not true I called Fannie Mae spoke with XXXX ID # XXXX who informed me Fannie Mae does not tell servicing providers who to or not to sell their loans too. 

I called Wells Fargo back, spoke with XXXX and immediately asked to speak with a Manager. 

XXXX told me they don't have Managers, they have Escalation Specialist who are Managers, they just don't call them that and transferred me to XXXX XXXX who identified herself as an Escalation Specialist. I asked XXXX if employees reported to her, did she give them feedback, monitor or give them feedback about their performance, including corrective action. XXXX answered no and transferred me to a Manager named XXXX XXXX. 

XXXX informed me he sent my feedback about my experiences with the 3 representatives I spoke with before him as well as sent my complaint about not only the loan officer promising me my loan would not be sold, but it was sold despite that promise to XXXX XXXX who had a major security breach in XX/XX/XXXX that impacted almost 15 millions people sensitive information to the highest level. 

XXXX told me I would hear from their Executive Team usually within 2-days. 

Wells Fargo should honor what the loan officer promised me, especially since he never told me about or offered me a form to sign about my loan never being sold. 

Wells Fargo should not only never sell my loan, but should also not transfer my mortgage, or mortgage information to 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 2024-02-13 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 writing to formally dispute the accounts reported on my consumer credit report, which are attributed to a Data Breach or Fraud, as indicated in the references below : FCRA Section 605B and FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 605B and Section 604. I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to a Data Breach or Fraud, as indicated in the references below : FCRA Section 605B and FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 605B and Section 604. I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 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: CO

Complaint narrative:
XXXX reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with XXXX  has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, XXXX themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.

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 2024-02-13 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: CO

Complaint narrative:
XXXX reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with XXXX  has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, XXXX  themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CO

Complaint narrative:
XXXX reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with XXXX  has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, XXXX  themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.

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 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 
This debt collector has not provided me proper debt validation for this average debt. 
The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a consumer reporting agency can not furnish a a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXXXXXX XXXXt by more a consumer to any consumer reporting agency it the pers

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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of pig butchering scam. I wired money to XXXX XXXX on XX/XX/XXXX for {$55000.00} and on XX/XX/XXXX for {$110000.00} through my bank account with XXXX XXXX XXXX. 
I initiated wire recalls on XX/XX/XXXX once I came to know about the scam. 
This business is using wire transfers as part of a scheme to defraud or to obtain money by means of false or fraudulent pretenses My complaint alleges that the proceeds of wire fraud was involved in money laundering and Banks are facilitating. I initiated wire recalls through my XXXX XXXX XXXX  on XX/XX/XXXX, but so far no recovery is done. 
2 wires in the amount of {$55000.00} sent on XXXX and {$110000.00} sent on XX/XX/10 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Beneficiary 's Account Number : XXXX XXXX Routing Number:XXXX  Bank Name : Citi Bank XXXX XXXX XXXX XXXX Bank Address:XXXX XXXX XXXX., XXXX XXXX XXXX NJ XXXX I have reached out my local XXXX law enforcement who has reported the case and assigned detective XXXX 
I have reached FBI through IC3 form and currently working with a FBI Agent XXXX XXXX from XXXX XXXX, CA, who is assigned formally to investigate my matter. My case # with the FBI is XXXX I have also reached out other authorities like FTC, CFTC, SEC, NFA, XXXX, Attorney General of Georgia, CFPB, OCC, FINRA, DFPI and XXXX XXXX District Congresswoman. 
I just want XXXX XXXXXXXX XXXX to return my money that I wired to XXXX XXXX XXXX XXXX XXXX under false pretense and misrepresentation.

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 2024-02-13 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: NY

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 XXXXXXXX and 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 2024-02-13 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:
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 XXXXXXXX and 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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the presence of a fraudulent account on my credit report, despite confirmation of its fraudulent nature and assurances from the bank of its removal. XXXX and XXXX credit bureaus have already corrected this error, highlighting a clear discrepancy in reporting. 
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