vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: CA

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 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 2024-05-22 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: CA

Complaint narrative:
On XXXX I received Documents from all XXXX bureaus Showing dispute results from a fraudulent XXXX XXXX account. All 3 bureaus say that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I disputed with each bureau in XXXX we are now in XXXX and this company has maliciously resubmitted a fraudulent account onto my credit file without showing any proof, I have been fighting this since XXXX it has been removed 2 times and I have and would never open a XXXX  XXXX account. at this time I am seeking legal advice. This is Not fair. and it was never an account of mine. I am attaching once again the FTC report and accompanying documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
On XXXX I received Documents from all XXXX bureaus Showing dispute results from a fraudulent XXXX XXXX account. All XXXX bureaus say that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I disputed with each bureau in XXXX we are now in XXXX and this company has maliciously resubmitted a fraudulent account onto my credit file without showing any proof, I have been fighting this since XXXX it has been removed 2 times and I have and would never open a XXXX  XXXX account. at this time I am seeking legal advice. This is Not fair. and it was never an account of mine. I am attaching once again the FTC report and accompanying documents.

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 2024-05-22 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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have received a record mailed from your company, Early Warning addressed XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, on XX/XX/year> with two letters written on XX/XX/year> and XX/XX/year> regarding the XXXXXXXX XXXX  accounts ending XXXX and XXXX. I compared with another record mailed on XX/XX/year>. I found out the record of XXXXXXXX XXXX which was in the previous record mailed on XX/XX/year> had disappeared from the record mailed on XX/XX/year>. I am not sure whether you have omitted this part from the recent one. Since this account is meant a joint account of my husband, XXXX XXXX and, I, XXXX XXXX, both residing at the same address mentioned above. I prefer not to omit this part, since legally I have the right to use and receive everything after his death. I expect the reason why you deleted this joint account which meant it is mine. I request you will re-do this entire record and send the modified XXXX to me again. Regarding the account number XXXX of the XXXXXXXX XXXX, which you deleted from the previous record, since I do not remember myself whether I had this account itself, it is fine to omit most likely ; however, I wish you will explain me the reason why it was in the previous record. Also, the section of XXXX XXXX XXXX in this recent version has discrepancy with the last one. I will request the explanation of this discrepancy in written form. Also, I received another letter prepared on XX/XX/year> written about the XXXX XXXX  XXXX account ending XXXX. Since I have requested the explanations in written form, I do not want you delete any account, including this account ending XXXX, since all the XXXX XXXX XXXXXXXX accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-22 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: 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.

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 2024-05-22 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: 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.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am disputing the collection for professional depth collection agency in the amount of {$3500.00} to the original creditor XXXX XXXX apartment. Disconnection agency is violation on the fair credit report act. I provided 60 days notice to vacate the premises as indicated on the lease agreement. My lease expired and I moved to a different apartment. No money was owed, nor was final walk through provided. There was no damage to the property. Im also in the process of reporting XXXX XXXX apartment to HUD for charging me fees that I am not responsible for. According to fair Housing laws, they are in violation. Please remove and delete this collection from my Credit Report. The signature they provided is not signature. Ive never received any bill. I found out once I review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Someone requested for Checking account on my name In fact, they opened 2 checking accounts in XXXX XXXX XXXXXXXX on XX/XX/2024 and another on XX/XX/2024

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: IN

Complaint narrative:
I received a lawsuit in the mail- I immediately contacted the company - they stated debt was from XXXX credit card from 2012 - I contacted XXXX as I didnt have a credit card attached and did not owe them almost $ XXXX - I asked the lady from the debt collection company for more information and she said- I guess you need a lawyer, huh?

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 2024-05-22 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: CL Holdings LLC
State: NC

Complaint narrative:
Over the last few months, someone has been using my SSN for personal gain. I have tried to explain to Jefferson Capital Systems. But I am being harassed. I do not owe Jefferson Capital Systems, I have stressed this and I am also requesting to see a signed wet signature of an application and certification of accuracy. Jefferson Capital Systems ) ( XXXX # XXXX ), claims I owe them, I need proof. I have never signed a legal binding contract with Jefferson Capital Systems, this is not a credit transaction. Please help me get this rectified or I will have to hire attorney to help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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 Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumbeXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumbeXXXX 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 2024-05-22 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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX 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 2024-05-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate information on my credit reports with XXXX and XXXX in the amount of XXXX After months of begging them to validate the debt by providing copies of anything baring my signature they have refused. I have been repeatedly disputing this item on my credit reports and I also filed a complaint against the credit bureaus for not completing an accurate and proper investigation as they continue to report this false collection on my reports. I have provided them with my information and copies of the mail and emails from the original creditor and they all refuse to refrain from violating my rights. Also there are two inaccurate accounts reporting on my credit report with XXXX and XXXX from Wells Fargo Home and Wells Fargo Auto. The dates are inaccurate I was never late and I paid my car off in full owing nothing to the bank. I asked both bureaus to investigate and they electronic submit my dispute and report it is verified after I have asked them multiple times for proof. Wells Fargo Home has inaccurate information reporting that I have late payments no proof of this has been received and they continue to falsely report the wrong dates on my report the age of credit is incorrect and the amounts. I disputed all three inaccurate accounts again XX/XX/year> and filed a complaint with the bureaus that does nothing at all.

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 2024-05-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate information on my credit reports with XXXX and XXXX in XXXX amount of XXXX After months of begging them to validate the debt by providing copies of anything baring my signature they have refused. I have been repeatedly disputing this item on my credit reports and I also filed a complaint against the credit bureaus for not completing an accurate and proper investigation as they continue to report this false collection on my reports. I have provided them with my information and copies of the mail and emails from the original creditor and they all refuse to refrain from violating my rights. Also there are two inaccurate accounts reporting on my credit report with XXXX and XXXX from Wells Fargo Home and Wells Fargo Auto. The dates are inaccurate I was never late and I paid my car off in full owing nothing to the bank. I asked both bureaus to investigate and they electronic submit my dispute and report it is verified after I have asked them multiple times for proof. Wells Fargo Home has inaccurate information reporting that I have late payments no proof of this has been received and they continue to falsely report the wrong dates on my report the age of credit is incorrect and the amounts. I disputed all three inaccurate accounts again XX/XX/year> and filed a complaint with the bureaus that does nothing at all.

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 2024-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my USAA Bank account to fraudulent investment firm ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX 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 2024-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a medical account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, with a owed balance of {$1300.00}. Another medical account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a account balance of {$14000.00}. And a third medical account that does not even have a name listed for it with the account number XXXX and a amout owed of {$700.00} opened on XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief