vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: MD

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 Account Name : XXXX Account XXXX Account Name : XXXXXXXX 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXXXXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX and I came to an agreement that I would transfer the property in question back to them in XX/XX/XXXX and I signed an agreement to return the deed and they via email agreed to stop all collection and potential foreclosure action. A contract was signed in XX/XX/XXXX. I NO LONGER OWNED THE PROPERTY SINCE XX/XX/XXXX AND A COPY OF THE SIGNED DEED TRANSFER WAS PROVIDED TO EXPERIAN. THEY CONTINUE TO REPORT IT DELINQUENT THROUGH XX/XX/XXXX IN ERROR. 
After numerous complaints they still state the " Information is correct '' even after getting evidence of the signed copy of the property " transfer of deed ''.

I DO NOT BELIEVE IT WAS EVER INVESTIGATED PROPERLY. 
The WRONG INFORMATION remains on the credit report in violation of USC 1681. Experian Information Systems continues to violate my rights in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX... ; Id : XXXX. 
I tried to dispute the case again on the Experian website and their response is : " the information submitted is irrelevant ''.

They are in violation of 15 USC 1681, s-2, ( A ) ( 1 ) they 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.

RESOLUTION : 1 ) Enforcement of 15 USC 1681 - Remove the incorrect / disputed account. 
2 ) Complete removal by XX/XX/XXXX XXXX ) If not removed with confirmation by XX/XX/XXXX I will file for criminal charges with the TN Attorney General. 
4 ) Also will seek services of counsel for complaint to be file in Federal Court.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: WA

Complaint narrative:
I was a XXXX patient an it looks like XXXX XXXX sent me to collection for {$810.00} to PlusFour , Inc. XXXX XXXX should not have billed me and PlusFour Inc. should not be contacting me about this debt. This should have been covered by XXXX or dissolved if they didn't pay it. Thank you so much!

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am hard of hearing and often have to use a TTY line. TTY lines have a delay and I get hung up on. Wells Fargo 's phone lines disconnect when switching lines often too. 

The account " available balance '' is delayed, significantly. For example it states " {$400.00} available '' you make a " {$200.00} '' charge, it " suddenly updates '' the balance to say you don't actually have the much. 

I have Overdraft protection off. I opted out of all overdraft protections. Wells Fargo still " lets '' them go through. Debit card is off, Wells Fargo still lets it go through, even when balance is low. Instead of declining it. Wells Fargo stated you must call their customer support to take away the " pre-authorizations '' in order for it to decline. I've done this numerous times and Customer Support says they can't do that, which is contrary to the website 's documentation. 

Being a hard of hearing individual, makes working with this bank difficult. I feel my XXXX right is violated when I attempt to reach out to them. 

Wells Fargo is stacking my overdraft balances. For example I had only {$13.00} left. Wells Fargo allowed a debit charge to go through ( when the card is locked ) and overdrafted it by {$2.00}. Then it allowed XXXX others to go through, and overdrafted. I transferred money to cover it, but, Wells Fargo waited XXXX hours to count the transfer and charged overdraft fees. 

I lost my job and I want ALL overdraft protection off. I don't wany anything to go through if there's no balance and I have communicated this numerous times to Wells Fargo, which is a standard banking product. Wellls Fargo refuses to do this.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax, XXXX and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these XXXX credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681.

Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report.

IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT.

DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS?

WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS ANS RECORDS WERE REPORTED WITHOUT CONSENT.

WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED?

NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES.

YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS.

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY.

YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I GOT A CARD WITH XXXX XXXXXXXX IN XX/XX/2023. I DIDN'T USE IT TILL XX/XX/XXXX OF 2023. I HAVE MADE XXXX PAYMENT AND STILL IT WAS SHOWING LATE PAYMENT ON MY CREDIT. IT HAS COAST ME AN IMPORTANT JOB PROSPECT. I NEED THEIR NEGATIVE REPORT OFF MY CREDIT PLEASE AND THANK YOU. 

I WILL BE ATTACHING PAYMENT STATEMENTS, PLEASE FIND ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have my credit locked with XXXX, XXXX and Equifax to protect my credit information. I recently authorized XXXX to do a soft pull of my account which should have released only the Name, Aliases and Addresses associated with my account. I have confirmed this information with multiple XXXX employees on a recorded line. XXXX sent out all of my credit information, including Name, past addresses and contact information, collections, inquiries, remarks/comments on the account, whether the account had been disputed ect. 

They violated my right to privacy and consumer protection according to the FCRA, Gramm-Leach Billey Act and because I live in Georgia they also violated the Georgia Fair Business Practices Act and the Georgia Personal Identity Protection Act. 

I have included the report that XXXX sent me but it is password protected. The password is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
ECSI XXXX servicer a XXXX  party XXXX XXXX is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX and even XXXX prior to XX/XX/2023! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my XXXX XXXX without verifying accounts and my consent! 
I sent many XXXX XXXX via XXXX XXXX and they are NOT RESPONDING!! and violate the XXXX XXXX XXXX notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the XXXX, I am requesting that ECSI and all XXXX XXXX to remove this CLOSED account immediately from my credit reports that is causing damage to my XXXX and XXXX XXXX. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-02-22 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-22 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Urgent : Immediate Action Required to Resolve Identity Theft and Close Fraudulent Account I am writing to express my extreme concern and frustration regarding a case of identity theft that occurred in XX/XX/2023 and subsequent accounts in XX/XX/2023. Unfortunately, despite multiple attempts to rectify the situation, the issue persists with my XXXX XXXX XXXX XXXX account. 
I reported this incident under the claim number XXXX on XX/XX/XXXX, and provided the confirmation number XXXX. 
To compound the matter, I recently received a dispute closure message from Experian Credit Agency about a XXXX XXXX account that claimed the customer is not in agreement. However, no one from XXXX XXXX has contacted me to verify any information, leaving me in the dark about their verification process. 
Despite my repeated calls to customer care, the necessary actions to close the credit card account have not been taken, even after a month. I have also submitted an appeal, including essential documents such as the police report, FTC report, lease documents, utility bills, and driver 's license details to XXXXXXXX XXXX 
I urgently request your assistance in closing the fraudulent XXXX XXXX XXXX XXXX account and ensuring its removal from my credit report since those accounts and credit card is not mine. Additionally, please take prompt action to eliminate any associated addresses linked to the unauthorized account. 
Your immediate attention to this matter is crucial, as it has been an ongoing issue that needs swift resolution. I appreciate your understanding and cooperation in resolving this distressing situation. 

In addition bank needs to compensate me for all these mental stress and for my efforts to close the account which should not have been allowed to be created in the first place without proper verification.

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 2024-02-22 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: NJ

Complaint narrative:
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 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 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 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 XXXX XXXX XXXX XXXX The above is the list or unauthorized inquiries. Please Remove this in accurate information from my credit report.

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 2024-02-22 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: TX

Complaint narrative:
I am the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports. 
UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

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 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 2024-02-22 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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