vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 open collection with XXXX XXXX with a balance of {$200.00}, a cellphone account with XXXX XXXX {$670.00}, another collection with XX/XX/XXXXwith a bal. {$910.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
On or around XXXX XXXX, I was charged well over {$1500.00} for credit repair services from Lexington Law . I was charged and paid the fees upfront, which is illegal, in accordance with the Consumer Financial Protection Act of XXXX  and the Telemarketing Sales Rule. I received communication from Lexnington Law that stated I must pay upfront for the services and there was no guarantee that the service would even be successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Deletion of Inaccurately Reported Account Dear Experian, I am writing to demand the immediate deletion of the inaccurately reported account : Account Name : XXXX Account Number : XXXX This account is being inaccurately reported as having a charged-off status month after month, which is legally and factually incorrect. As you are well aware, an account can only be charged off once, and any subsequent reporting of a charge-off status month after month constitutes false and misleading information. 
Your failure to accurately report this account is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they report.

This account must be completely deleted from my credit report within four ( 4 ) days of your receipt of this letter. I also demand that you do not attempt to update or modify the account in any way, as I have already obtained a copy of my credit report showing the existing inaccuracies.

Under FCRA 1681n, I am entitled to {$1000.00} per violation for your failure to comply with the law. However, I am giving you the opportunity to resolve this matter amicably and avoid further escalation. All you need to do is remove the account from my credit report immediately. 
I trust that Experian will act promptly and appropriately to resolve this issue without further delays. 
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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We worked with the banker at Wells Fargo to move our checking and savings account into our XXXX. They will out all the paperwork and ended up making an error. Got a less than curteous email from Wells Fargo saying they would close the account if the error was corrected. Went back into bank, got the errors ( wrong date ) corrected, waited while they sent the info to XXXX. Got another letter from Wells Fargo saying an error occurred and again, they would close our account if not corrected. Thought this was in reference to first error. Come to find out the branch we were working with heard of the mistake ( the papers that were sent for the first corrections weren't all associated as one transaction, causing the error ) and tried to fix it. ( They did not contact us about this. ). According to the banker we worked with they thought they had fixed everything. My husband logged in to our account on XX/XX/year> and found out our accounts had been closed ( only exception was the charge card since there was a balance due ) accounts. Luckily we have access to other funds or we have had some real issues! Both my husband and I went into the bank on the XXXX to work with a banker to open another checking and savings account. We were told we would not have access to any funds ( checks for both accounts would be sent to us ) for up to 15 days with the new accounts. While this didn't set up back financially ( but oh the stress from dealing with this bank! ) I can't help but wonder if this is a common practice with Wells Fargo. For someone on a tight budget and limited funds something like this could be a huge problem. My goal with this complaint is for Wells Fargo to look at their policies in regards to this type of issue and make changes so that others don't have to go through this type of situation. We did end up moving our accounts to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
Im deeply concerned about the recurring errors on my report that continue to harm my score and limit my future opportunities. Seeing these mistakes time and again is frustrating and disheartening, especially when they are out of my control. Its unfair that XXXX being penalized for inaccuracies that shouldnt even be there. These errors are affecting my financial health and my ability to grow.

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 2025-01-09 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: MA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
i filed a 1099 for resolving my mortgage with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified Experian, submitting my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being. I've noticed that XXXX shows an account balance of {$20000.00}, along with a credit acceptance account marked as collection/charge-off. This information was included in my identity theft report. I strongly urge Experian, XXXX, and XXXX to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false 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 2025-01-09 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi there Im trying to get my Ssi funds out of this bank but they are refusing to send me a check and also refuses to close the account there the account online email got hacked and they refused to change it for me I need some help asap due to I have shout offs

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 2025-01-09 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:
I am very upset. My credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AES/PHEAA
State: FL

Complaint narrative:
I have not been able to obtain my credit reports from XXXX and or XXXX. I have not been able to get past the validation questions. It says that the information that I have provided does not match what their system has. Previous records and background checks show name of : XXXX XXXX XXXX XXXX among others. Different DOB and different Social Security Numbers appear for me. Student loans have been taken out under XXXX XXXX XXXX XXXX. I have disputed that information with the credit bureaus as well as the student loan lenders. I was informed that ID Theft was placed on the student loans as they are charging me over {$150000.00} dollars. My school records show that my disbursements were no greater than {$60000.00}. I also have never consolidated any student loans. I have not made any changes with the Social Security XXXX XXXX tough I've been told otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-09 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-09 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: TX

Complaint narrative:
i paid my XXXX XXXX in full of XXXX $ to the electric company itself on the agreement that they would report it as paid in full with no negative remarks to my credit file which the conversation was recorded by XXXX XXXX can not get experian to help me with it or XXXX XXXX XXXX agent herself took the time to verify that it would be in agreement before we got off the phone.Well i received a negative mark on my credit file as paid in full with a charge off which will not come off for XXXX years now I believe experian went about it in the wrong process and didnt help me one bit.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In a past my information was stolen through data breach at XXXX XXXX XXXX XXXX. 
After that I was receiving letters from different creditors that someone is applying under my name to obtain credit and services. Last year I checked my credit report because I was trying to lease a vehicle and a dealer informed me that I have XXXX collection accounts under my name. The collection agency name is XXXX XXXX XXXX. XXXX account is for {$2600.00} and the second one is {$8000.00}. I have contacted this collection agency and they have requested a FTC report. I got that report and forwarded to XXXX, XXXX XXXX and Equifax. XXXX and XXXX XXXX verified this information with a collection agency and deleted those 2 accounts. It has been about 5 months but Equifax Bureau is still refusing to delete these fraud related accounts from my report. I have tried to contact Equifax several times but they are putting me on hold for 30 -40 minutes and hanging up on me. Right now this is my last attempt to complain on them and I will open a lawsuit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I am writing to file a formal complaint against Westlake Portfolio Management for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Westlake Portfolio Management is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law.

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Westlake Portfolio Management validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations. 

Improper Credit Reporting : Westlake Portfolio Management continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting.

Harm Caused : The improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, causing undue stress and limiting my access to c
redit opportunities.

Relief Requested : I request that Westlake Portfolio Management immediately validate the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed.

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

I request written confirmation from Westlake Portfolio Management stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Westlake Portfolio Management must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Westlake Portfolio Management adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt 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 2025-01-09 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: MD

Complaint narrative:
there was a security breach and my information was exposed

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