vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, opploans/finwise Account # : XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1500.00} XXXX XXXXXXXX XXXX, XXXX Account # : XXXX bal. {$1100.00}, XXXX XXXX Account XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$860.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}, The XXXX natl XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$240.00}, XXXX. XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$110.00}, XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 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 XXXX 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 2025-01-14 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: IL

Complaint narrative:
There are unauthroized accounts on my credit report that I did not authorize. opened without my knowledge XXXX ( {$18000.00} ) XXXX Bank ( {$1100.00} ) XXXX ( {$5600.00} ) XXXX ( {$11000.00} XXXX XXXX XXXX XXXX {$400.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
There are unauthroized accounts on my credit report that I did not authorize. opened without my knowledge XXXX ( {$18000.00} ) XXXX Bank ( {$1100.00} ) XXXX ( {$5600.00} ) XXXX ( {$11000.00} XXXX XXXX XXXX XXXX {$400.00} )

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company has committed XXXX XXXX XXXX and Theft, XXXX fraud and Theft, Violation Of UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT! Attached are some of the LAWS, UCC and Breach of Trust they have committed : First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the XXXX Century Act, aka Check XXXX system, which has caused me Injury and Damages ; Second Cause of Action ; XXXX to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT XXXX, XXXX, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of XXXX, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve XXXX of XXXX, The Federal Reserve Banking XXXX of XXXX, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure , By Not Following House Joint Resolution XXXX PUBLIC LAW XXXX, which has caused me Injury and Damages ; Fifth Cause of Action : Acquiescence/Nonresponse to Failure, By Not XXXX XXXX XXXX XXXX because they are Linked to and through My XXXX XXXX XXXX XXXX XXXXXXXX routing and account number, which has caused XXXX XXXX and XXXX XXXX Sixth Cause of Action : Acquiescence/Nonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh XXXX XXXX Action XXXX XXXX to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; XXXX Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e XXXX my Negotiable instruments, MOAs and or Checks which has caused me XXXX and Damages ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
Multiple inquiries are on my report that I do not recognize or authorize. The inquiries does not belong to me Personify- XX/XX/XXXX Personify- XX/XX/XXXX Informative Research- XX/XX/XXXX Informative Research- XX/XX/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 2025-01-14 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: FL

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.

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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-14 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: CT

Complaint narrative:
I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. 
EXPERIAN XXXX. XXXX XXXX XXXX account # XXXX. Fraudulently opened on XX/XX/year> ( Identity Theft ).

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Someone that I have no business contractual with called me asking me to verify Personal Identifiable Information : DOB/POB/SSN/NAME and was very abusive with their words. They made me feel scared and nervous to answer my phone moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
A credit card bill from XXXX was paid in XX/XX/XXXX with a money order from XXXX XXXX. I spoke to the collector who worked for XXXX and XX/XX/XXXX XX/XX/XXXX. He said he received the money order, and the collection process would be closed and canceled. The agent didn't close the account out correctly. The account was sold to collection companies through the years. When I gave a XXXX about my credit report because I needed a job a collection company called XXXX XXXX XXXX XXXX sent letters and called collecting on the same account from XXXX, I paid this collection company. I borrowed money from my son who was in college to pay {$590.00} to settle the account. This is a fraudulent Company. 
I have been harassed for almost 20 years about a paid account. Has been paid twice. I have spoken to the CFO of XXXXXX/XX/XXXX They know that this account has been paid but they sold it to a collection company and it account is continuing to make rounds. The debt is not listed on my credit report, yet it is still being used to make collections and harass me. I have filed several complaints with the FTC against a few different Collection Companies. yet it is XXXX and XXXXXX/XX/XXXX are threatening me with a lawsuit. I was told that the only way to stop this was to sue XXXX and XXXXXX/XX/XXXX for not correcting a problem their associate made. I was told as of XXXX XX/XX/XXXX that I would be sued for {$130.00}? dollars in a court of law. That I needed to get a lawyer to stop them or fight this in court. I believe I have Filed 6-8 complaints against different collection agencies. I have letters from the CFO of XXXXXX/XX/XXXXXXXX XXXX and the secretary of the new CFO XXXX. XXXX are saying that the account was sold and that they are no longer collecting on the account, yet every collection agency are saying that they are collecting for XXXX XX/XX/XXXX. I am TIRED I NEED HELP!! Please help me!!! 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 2025-01-14 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: GA

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Complaint Summary : I am filing this complaint against Wells Fargo for failing to honor the terms of a promotional offer for a {$300.00} bonus upon opening a new checking account and meeting the required conditions. 

Details of the Promotion : Wells Fargo advertised a promotion in XX/XX/XXXX offering a {$300.00} bonus for opening a new checking account and depositing at least {$1000.00} via direct deposit within 90 days of account opening. 

Timeline of Events : 1. I opened a new Wells Fargo checking account in XX/XX/XXXX, specifically to take advantage of this promotion. 
2. On XX/XX/XXXX, I deposited {$1000.00} into the account, exceeding the required {$1000.00} threshold within the specified timeframe. 
XXXX. Despite meeting all the terms of the promotion, on XX/XX/XXXX, Wells Fargo closed my account without issuing the promised {$300.00} bonus. 

Efforts to Resolve the Issue : I contacted Wells Fargos customer service to understand why the account was closed and why the promotional bonus was not issued. However, I did not receive a satisfactory explanation or resolution to the issue. 

Desired Resolution : I respectfully request that Wells Fargo honors its promotional offer by depositing the {$300.00} bonus I am entitled to, as I fulfilled all required terms. If the bonus can not be provided, I request a clear and detailed explanation of why the terms of the promotion were not honored.

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 2025-01-14 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I applied for XXXX in XXXX XXXX XXXX and received a letter from the Department of Education that I qualify and my payments just needed to be counted. 

I then got transferred to XXXX in the summer of 2022 and was basically in limbo with them for two years. I have already submitted a complaint about their misleading practices.

I have made more than 120 qualifying payments, but I am missing XXXX, years where I was full time and making payments. XXXX could never solve it and then I got transferred to XXXX XXXX. 

Now that I am with XXXX XXXX and Studentaid.gov is in charge of my PSLF payment counts, still nothing has changed. 

Again, my employment has been certified for the years of XXXX, I made payments during those years and my payments are missing which is preventing payment qualification and that it appears the payment for those years have not been evaluated for XXXX. 

I have contacted both XXXX XXXX and Studentaid.gov multiple times to figure out what is going on and get no answers. 

I would like this complaint to be filed against both XXXX XXXX and Studentaid.gov.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 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: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief