vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had two fraud charges on XX/XX/2022. I was home all day and my my security camera footage to prove I never left my house. The first fraud charge was for XXXX dollars to some XXXX online. I have never order anything from that merchant and my account should have been flagged for such a high amount. The second charge was for gas in the amount of XXXX at a gas station in which the card was physically used. Once again I never left my house and have my own personal security footage that shows I never left my house along with my complex footage which shows I never left the complex that day. The card was physically used, I had the card on my person which means my card was cloned.

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 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I would like to report XXXX XXXX and XXXX also the collectors and creditors as I told all three credit bureaus back in 2020 that I was a victim of identity theft and fraud also that I'm also a hurricane Harvey victim and that a lot of my personal information had been stolen when some homeless people broke in my home and I was transfer to XXXX XXXX Texas by bus. I have disputed these several times and nothing is being done there's only three accounts that have been paid in full with certified letters I turned in all information I even received a letter from XXXX XXXX saying thank you for the payment and yet a month later they still sold my information to a collector 's agency called NCA they want me to pay {$110.00} so they can close it and it says closed already but it's not removed the initial payment it says {$220.00} which is not right! I want this resolved immediately it's hurting my credit and so is another one for {$920.00} it says account status charge off and paid in full yeah it's still on my account sold to XXXX XX/XX/2020 this has been also taken care of with the certified letter and needs to be removed from my credit report. I worked hard for my country and I'm a XXXX XXXX of 22 years with heavy metals in my blood not by choice I don't deserve this my credit needs to be where it needs to be good I pay all my bills and I've been working really hard to get my credit fixed and these people are not helping me one bit they just keep asking me for money to boost my credit this is an outrage and very disappointing they also have not removed all the different addresses during my lifetime I'm XXXX years old I need this fixed I live in XXXX XXXX Texas and plan on staying here and buying a home as soon as my credit is where I need it to be! They also have a dispute from XXXX  my bank which I never asked for dispute because I use them and they're the ones helping me with my credit right now and keeping track of all my payments of my bills insurance and rent so they have everything mixed up! I have a couple of hard inquiries that I don't even know of and that is probably due to the fact that I was a victim of identity theft and that also needs to be removed immediately and they have not done so when they promised me that they would. There is specifically five hard inquiries that is hurting and harming my credit with all three credit bureaus and this is unacceptable because four of them I don't even recognize like I said I'm the victim. The only dispute that complied was Universal payment core they did say I paid in full and they closed my account as promised on XX/XX/XXXX other than that nothing else has been done and that's sad because I don't deserve this how would you like it if this was happening to you and what would you do? I'm being harassed from XXXXXXXX XXXX  and I needed to stop! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.

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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, 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:
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. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX XXXX violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report : XXXX XXXX XXXX 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX XXXX XXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX FL XXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX PL XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: AL

Complaint narrative:
I was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that need to delete in my personal file : XXXX 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

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