vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Garrison Investment Group
State: CA

Complaint narrative:
XX/XX/year> A representative named XXXX from XXXX XXXX came to my home to give me a free quote for a new roof. He quoted a cost of {$47000.00} and said that he wanted to do a soft pull on my credit to see if I qualified and that I would have 3 days to opt out if I did not want to take advantage of the offer. After he left I did some research on the company and after reading several poor revues decided to shop around, so I contacted XXXX the following day to tell him and he replies that the materials and crew have already been ordered and paid for so he is willing to cut the price by {$4000.00}. Again I told him no. Then he counters with {$27000.00}. Again NO! 
A week later I receive a credit card in the mail issued by XXXX XXXX  with my name AND XXXX XXXX on the front of the card. I then checked my credit report and found that XXXX did 3 hard pulls on my credit until he found an amount that would be accepted, the limit on this card is for {$22000.00}. 
I've tried but to no avail. I've contacted the credit bureaus to have this removed and was told that your agency is my starting point. 
XXXX 's ethics are fraudulent and he needs to be punished to the full extent of the law. 
All of my subsequent communications after my initial meeting with XXXX were via text messages so I have written proof of my allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am disputing the late payments reported on my NR/SMS/CAL mortgage account ( Account # XXXX ) on my Experian credit report. Due to the financial hardships caused by the XXXX pandemic, I requested and received accommodations for this account. The CARES Act specifies that accounts under COVID-19 accommodation agreements should be reported as current if they were current at the time the accommodation was granted. However, my Experian report shows 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I believe is a misrepresentation of my account history during this period. I have formally requested that Experian investigate and update the reporting to accurately reflect the account as 'current ' during these periods or remove the inaccurate entries.

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 2024-11-12 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:
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX  I was sent {$550.00} USD from XXXX XXXX XXXX XXXX XXXX from her cell phone XXXX XXXX to my cell phone XXXX XXXXXXXX. At the time of the transfer, only my email address was enrolled to receive funds from XXXX. At the time of the transfer, I received a text message from XXXX ', which I have attached, indicating I have received funds. Therefore, I followed the link in the text message to accept funds and enroll my phone number ... which I did. It's now been XXXX calendar days since the transfer was made and I still do NOT have my money. I have confirmed with the sender, XXXX XXXX XXXX, that her XXXXXXXX XXXX account has- {$550.00}. Furthermore, she opened up a case with XXXXXXXX XXXX and their position is the funds have been removed and the transaction is complete ( can not cancel ). On the flip side, I have confirmed with Wells Fargo that they have NOT received funds, nor are they in a " pending '' status. After my third attempt to confirm status with my bank, Wells Fargo, I opened up a case with XXXX XXXX in the Exec Relations Escalations Dept and have attached his last communication. Basically, XXXX is claiming that XXXX XXXX has to check status ... which we already have done. All in all, XXXX XXXX wants us to contact Wells Fargo and Wells Fargo wants us to contact XXXXXXXX XXXX This game of cat and mouse is getting really old and I'm positive XXXX of these financial institutions has broken a law or XXXX regarding XXXX 's.

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 2024-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to express my deep frustration and disappointment regarding Wells Fargo 's ongoing refusal to release my funds following the closure of my savings account. Wells Fargo is the most disgusting bank in the world for the way it has handled this situation and withheld my funds. 

At the end of XXXX, I called Wells Fargo to close my savings account, which had a remaining balance of {$20000.00}. Wells Fargo informed me that I should expect to receive a cashiers check for this amount within XXXX business days after the official account closing date of XX/XX/year> ( see Attachment XXXX ). However, as of today, I have yet to receive the check. 

Since then, I have taken the following steps in an attempt to resolve this issue : XXXX. XXXX Wells Fargo multiple times : I have made numerous phone calls to customer service, each time being told to wait longer for the check to arrive. Despite these assurances, the check has not been delivered. 

XXXX. Visited a local branch : I visited a Wells Fargo branch as instructed, hoping to resolve the issue in person, but no progress was made. 

XXXX. Filed complaints with regulatory agencies : I filed multiple complaints with Wells Fargos XXXX office. Unfortunately, Wells Fargos response was to close these complaints without providing a solution. During a phone conversation, the agent handling my case, XXXX XXXX, stated that Wells Fargo held no obligation or responsibility to ensure that customers receive their checks once mailed. She further remarked that mail can be lost, comparing this situation to her experience of holiday cards going missing in childhood. 

On XX/XX/year>, XXXX XXXX from Wells Fargos XXXX XXXX officially closed my complaint, stating, For reimbursement, you will need to either complete a Declaration of Lost/Stolen/Destroyed Official Check and Indemnification Agreement and wait XXXX  days, or you can purchase a XXXX bond for immediate check reimbursement. ( see Attachment XXXX ). 

On XX/XX/year>, the date Wells Fargo specified for reissuing the check, I visited a local branch at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The local branch again denied releasing my fund. I attempted to reach the Wells Fargo XXXX XXXX multiple times by phone, but no one was available to assist. 

Since my initial request in XXXX, Wells Fargo has withheld my funds indefinitely without providing a resolution. I need Wells Fargo to give my money back right now. There is no regulation to this outrageous disgusting practice!

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This account was listed as a insurance claim on XX/XX/year>. All the information that is being reported to the credit bureaus is inaccurate. XXXX XXXX XXXX XXXX hasn't sent none of the information to me that they keep reporting to you in the feedback. They did not provide the original XXXX nor did they send me a offer letter. I can't access this account on their website because they locked the account years ago. They have been sending the corresponding letters to the online portal and not the address I have on file. So, therefore I never received letters from them via postal mail. 

15 U.S. Code 1679c I have the right to dispute inaccurate information on my credit report. 
Since XXXX XXXX XXXX XXXX has reported inaccurate information on my credit profile that is not verified or accurate it has to be removed. The reporting of this account is wrong and all the dates are wrong. Also, they didn't ask for my permission to report this account to the credit bureaus. I want this account removed immediately. 15 usc 1681s-2 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. 

15 USC 1692g they did not provide the correct validation of this debt if the debt was paid off by the insurance company.

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 2024-11-12 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: MI

Complaint narrative:
This account was listed as a insurance claim on XX/XX/year>. All the information that is being reported to the credit bureaus is inaccurate. XXXX XXXX XXXX XXXX hasn't sent none of the information to me that they keep reporting to you in the feedback. They did not provide the original XXXX nor did they send me a offer letter. I can't access this account on their website because they locked the account years ago. They have been sending the corresponding letters to the online portal and not the address I have on file. So, therefore I never received letters from them via postal mail. 

15 U.S. Code 1679c I have the right to dispute inaccurate information on my credit report. 
Since XXXX XXXX XXXX XXXX has reported inaccurate information on my credit profile that is not verified or accurate it has to be removed. The reporting of this account is wrong and all the dates are wrong. Also, they didn't ask for my permission to report this account to the credit bureaus. I want this account removed immediately. 15 usc 1681s-2 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. 

15 USC 1692g they did not provide the correct validation of this debt if the debt was paid off by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MI

Complaint narrative:
This account was listed as a insurance claim on XX/XX/2020. All the information that is being reported to the credit bureaus is inaccurate. XXXX XXXX XXXX XXXX hasn't sent none of the information to me that they keep reporting to you in the feedback. They did not provide the original XXXX nor did they send me a offer letter. I can't access this account on their website because they locked the account years ago. They have been sending the corresponding letters to the online portal and not the address I have on file. So, therefore I never received letters from them via postal mail. 

15 U.S. Code 1679c I have the right to dispute inaccurate information on my credit report. 
Since XXXX XXXX XXXX XXXX has reported inaccurate information on my credit profile that is not verified or accurate it has to be removed. The reporting of this account is wrong and all the dates are wrong. Also, they didn't ask for my permission to report this account to the credit bureaus. I want this account removed immediately. 15 usc 1681s-2 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.

15 USC 1692g they did not provide the correct validation of this debt if the debt was paid off by the insurance company.

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 2024-11-12 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My XXXX XXXX  credit was transferred to a new financial institution, but correspondence from the credit comenity bank was not communicated there was no correspondence about the new account information whilst the account missed several billing cycles in the process since it was scheduled on automatic payments with last credit card also a new card wasnt sent from comenity bank until XX/XX/year> but even with it activated the comenity online bill payment and statement portal doesnt recognize the card information provided by comenity or my social security number but the institution has reported missed payments to credit bureau but have made my account inaccessible to make payments on this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Conduent Incorporated
State: NY

Complaint narrative:
Received a letter in the mail today that alleges to be a court record but it is not. XXXX XXXX XXXX has failed to provide the following. Legal Basis for Challenge This challenge relies on the following provisions of federal law : 1. 26 U.S.C. ( Internal Revenue Code ) : 26 U.S.C. 6201 authorizes the IRS to make assessments based on accurate, verifiable records. Since no account under the referenced identifiers exists, any presumption of tax obligation is without statutory backing.

26 U.S.C. 6404 allows for abatement of assessments lacking a reasonable basis. In light of documented confirmation that no debt or account exists, any assumption of tax or financial responsibility should be fully abated.

2. 45 CFR ( Code of Federal Regulations ) : 45 CFR 302.56 mandates that child support calculations and presumptions be based on verified financial information and provide a fair opportunity for rebuttal. Here, the lack of an active account negates any basis for presuming a debt, obligation, or lien.

45 CFR 303.101 requires that all child support enforcement actions adhere to procedural fairness and transparency. Failure to disclose valid records or provide evidence of an active account undermines any presumptive enforcement.

3. 2 CFR ( Uniform Administrative Requirements, Cost Principles, and Audit Requirements ) : 2 CFR Part 200, Subpart D, particularly 200.336 and 200.337, stipulates that agencies maintain accessible, comprehensive records for all enforced claims and financial obligations. The absence of an account or documented debt directly conflicts with these requirements.

2 CFR 200.470 prohibits the imposition of fees or costs that are not allowable or properly documented within federal awards or program funds, which further invalidates any support lien or debt presumption in this context.

Request for Immediate Action Given the lack of any legally valid records or documentation supporting an enforceable obligation, I formally request the following : Acknowledge and affirm that no account or debt exists under the identifiers provided ( XXXX, XXXX XXXX Id. XXXX and SSN XXXX ) within your debtor systems. 

Rescind any liens, garnishments, or related enforcement actions associated with the unsupported presumption of debt, if any have been initiated. 

Provide a written confirmation of the above actions to fully resolve this matter. 

If the Department does not respond with confirmation that all presumptions have been rebutted based on the absence of any account or debt, I reserve the right to pursue further legal action, including filing for relief in federal court for procedural and substantive due process violations. XXXX XXXX XXXX XXXX XXXX employee XXXX XXXX the any of the accounts listed exist in XXXX database or upon XXXXXXXX XXXX XXXX The account has been closed by accord and satisfaction and draft note deposit.

Company response to consumer: Closed with explanation