vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-02-06 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: Self Financial Inc.
State: TX

Complaint narrative:
I paid my Self XXXX card off in full several months ago. Despite contacting Self and XXXX and showing proof the account is a XXXX balance XXXX updated the balance as of XX/XX/year> to {$490.00} despite the fact I submitted a dispute and uploaded my XXXX statement showing the balance is XXXX. This Hugh balance is prohibiting me from getting credit and hurting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-02-06 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: FL

Complaint narrative:
Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have an inquiry on my report that I didn't run from XXXX XXXX on XXXX XXXX. I have filled with FTC about fraud being on my accounts with FTC ON XX/XX/24

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 2024-02-06 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/2023, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite providing valid documentation and receiving bank confirmation for immediate removal, the fraudulent account XXXX XXXX XXXX  XXXX persists on my credit report. Immediate removal is essential to comply with legal obligations and maintain report accuracy.

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 2024-02-06 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: PA

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report.If EQUIFAX does not have documentation to show these were in fact authorized it must br removed asap.SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 treasury omg forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I mailed a check that I received from my insurance company to Wells Fargo for deposit to my wells fargo account. The check was mailed on XX/XX/2024 and delivered on XX/XX/2024. 
On XX/XX/2024 at XXXX XXXX I received an email from Wells Fargo stating that my account was goin to be closed because they believe the check that i have deposited into my account is suspected to be altered. Ive received the check from my insurance company and i have the proof that the check is valid

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 2024-02-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Carecredit XXXX authorize loan without my permission and then reported it to the credit bureaus which is ruining my creditworthiness

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
on XX/XX/2023 i made a reservation through XXXX  for my rental car using points and my credit car. at the counter they requested a credit card for incidentals. i gave them my citi card since the car was prepaid. attached the prepaid evidence. now XXXX is charging me again and citi is in favor of them ignoring all the evidence of the prepaid reservation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Attention : XXXX XXXX, Consumer Resolution Department Dear XXXX XXXX, I am writing in response to communications from XXXX XXXX XXXX XXXX regarding a debt allegedly associated with my name, originally referred by XXXX XXXX, with a claimed amount of {$6500.00}. Not only have my previous requests for debt validation and cessation of communications been inadequately addressed, but there has also been a notable misidentification in your correspondence, including an incorrect gender reference. Such inaccuracies further complicate this matter and cast doubt on the legitimacy of the debt attributed to me. 

I specifically request XXXX XXXX, XXXX to clarify your interpretation of " cease communication '' as it applies to direct communication with me and the reporting of this account to consumer reporting agencies. According to consumer law, my demand to cease communication is inclusive of all reporting activities to these agencies until the debt is properly validated. 

Additionally, it has been observed that your records might erroneously associate multiple individuals named XXXX XXXX with this account. The provided documentation has failed to conclusively establish the debt as mine, and references to the account holder using incorrect gender pronouns suggest a significant discrepancy in your records. This error not only questions the accuracy of your data but also underscores the critical need for a thorough review and correction of the information you maintain. 

In light of these concerns, I insist on the immediate cessation of reporting this unverified debt to consumer reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported by furnishers like XXXX XXXX, XXXX. 

Furthermore, to evaluate the validity of your collection efforts, I request a copy of the agreement or contract between XXXX XXXX XXXX XXXX and the original creditor, XXXX XXXX, which grants your agency the authority to collect this alleged debt. 

This letter serves as a formal dispute of the debt and a demand for its validation, pursuant to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I expect a comprehensive investigation into these matters and the provision of the requested documentation without delay. 

Failure to address these issues adequately will compel me to consider further actions, including filing complaints with regulatory authorities and seeking legal advice. 

Please ensure that all future communications regarding this matter are conducted in writing, to facilitate accurate record-keeping. 

Sincerely, 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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Identify has been hacked ( stolen )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: CO

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/year>, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CO

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/2023, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MA

Complaint narrative:
n accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( TransUnion ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as XXXX late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.

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 2024-02-06 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: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-06 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
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 2024-02-06 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: AL

Complaint narrative:
TransUnion has violated my rights as a consumer per The Privacy Act of 1974 by viewing my credit profile without my written consent. I have not provided this organization with written or verbal consent to view my credit profile.

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