vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I noticed that a U.S. Bankruptcy Court item is listed on my credit reports. Under the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

In this case, the original creditor is the U.S. Bankruptcy Courts. I have received a letter from the Bankruptcy Court stating that they do NOT provide information to credit reporting agencies, nor do they validate or confirm public records. Additionally, XXXX has provided documentation that it could not validate this public record information. 

The responsibility for collecting and validating public records falls on credit reporting agencies or their third-party providers. Public record information is NEVER validated by the Recorder of Deeds or the U.S. Court system due to the Fair Credit Reporting Act Privacy Law.

As a result, the reporting of this bankruptcy on my credit file violates multiple federal laws, including : 15 USC 1681a ( e ) : Prohibits the inclusion of unvalidated public record entries.

15 USC 1681b ( a ) ( 2 ) : Prohibits furnishing information without the consumers consent.

15 USC 1681c ( a ) : Excludes bankruptcy information from a consumer 's report.

Your failure to validate this information is a violation of these laws. The continued reporting of this bankruptcy is causing me great harm, including preventing me from obtaining credit to support and sustain my family.

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 2024-12-30 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
My Personal information was stolen XX/XX/year> and used to open up unauthorized Credit Cards and Loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported these illegal fraudulent activities and the company insist that I am held accountable and keeps contacting me to pay this account debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
My Personal information was stolen XX/XX/year> and used to open up unauthorized Credit Cards and Loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported these illegal fraudulent activities and the company insist that I am held accountable and keeps contacting me to pay this account debt.

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 2024-12-30 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: Capio Partners, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: MN

Complaint narrative:
I dont know if this is the correct branch to contact or the most appropriate area for this issue but Im looking to file a grievance against all 3 of the credit bureaus. Recently I applied for a home equity loan, and within minutes random companies started calling me. It ended for the night, but then at XXXX the following morning they started again. On that day I received 89 phone calls and multiple text messages from all different lenders. I come to find out that the bureaus sell these companies information when credit is pulled for a mortgage related loan. Now the fact that we have zero choice in whether or not we deal with these bureaus, that makes this practice even more inappropriate. I can not opt out of their services or access to my information, yet they are allowed to share my personal business in regards to my financial decisions. With them selling information I absolutely did not express permission to do, I am now flooded with predatory lenders and with 89 calls in 1 day, I consider that harassment. When I spoke with a representative from XXXX XXXX, he told me the only way to avoid this is to put a full freeze on my credit, which then defeats the purpose of my original goal of accessing my equity with only the company I choose to give my information to. I would like to see this practice eradicated completely. Thank you for your time and if this is the incorrect place to handle this, if you know where is better, please let me know. I have filed this grievance with the FTC along with my state 's Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MN

Complaint narrative:
I dont know if this is the correct branch to contact or the most appropriate area for this issue but Im looking to file a grievance against all 3 of the credit bureaus. Recently I applied for a home equity loan, and within minutes random companies started calling me. It ended for the night, but then at XXXX the following morning they started again. On that day I received 89 phone calls and multiple text messages from all different lenders. I come to find out that the bureaus sell these companies information when credit is pulled for a mortgage related loan. Now the fact that we have zero choice in whether or not we deal with these bureaus, that makes this practice even more inappropriate. I can not opt out of their services or access to my information, yet they are allowed to share my personal business in regards to my financial decisions. With them selling information I absolutely did not express permission to do, I am now flooded with predatory lenders and with 89 calls in 1 day, I consider that harassment. When I spoke with a representative from XXXX XXXX, he told me the only way to avoid this is to put a full freeze on my credit, which then defeats the purpose of my original goal of accessing my equity with only the company I choose to give my information to. I would like to see this practice eradicated completely. Thank you for your time and if this is the incorrect place to handle this, if you know where is better, please let me know. I have filed this grievance with the FTC along with my state 's Attorney General.

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 2024-12-30 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: AL

Complaint narrative:
I am writing to formally request the deletion and blocking of the accounts listed below, which have been compromised due to a data breach. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all accounts listed be blocked and deleted from my credit file. 
The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: AL

Complaint narrative:
I am writing to formally request the deletion and blocking of the accounts listed below, which have been compromised due to a data breach. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all accounts listed be blocked and deleted from my credit file. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to seek assistance with a concerning situation involving the closure of my Wells Fargo account. I received notification from Wells Fargo that my accounts would be closed due to the suspicion of deposited checks being altered, specifically related to a check I deposited on XX/XX/XXXX in the amount of {$1500.00}. 

On the day I deposited the check, I received a priority envelope containing the check for a job I applied for online. After depositing it, I received a message stating that the check would clear on either XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX at which point I followed up by calling Wells Fargo 's customer service. The representative reiterated the message from the app. 

On XX/XX/XXXX, I received a voicemail from Wells Fargo Loss Prevention, but I did not check the message until a couple of days later. When I called back, I spoke with two different agents. The first agent informed me that my account would be closed due to altered checks, which I found confusing since I was unaware that the check was a scam. 

Seeking clarification, I contacted Wells Fargo again and spoke with a representative named XXXX XXXX. I explained that I had no idea the check was fraudulent and expressed my concern regarding the fairness of closing my account under these circumstances. Unfortunately, my account closure is proceeding despite my explanation that I was not aware of any wrongdoing. 

I consider this situation to be unjust, especially since I deposited the check in good faith, believing it to be legitimate. All actions taken were in accordance with normal banking practices, and I sincerely did not know I was involved in any fraudulent activity. 

I would appreciate your guidance and assistance in addressing this matter with Wells Fargo. Thank you for your attention to this important issue.

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 2024-12-30 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: DC

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XXXX XXXX XXXX XXXX Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer 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 consist of a Collections accounts. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Accounts in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : incorrect name and addresses. 
I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of 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 2024-12-30 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: NY

Complaint narrative:
Subject : Complaint Regarding Fraudulent Account Failure to Investigate by Experian and XXXX XXXX XXXX of the Complaint : Dear Consumer Financial Protection Bureau, I am filing a complaint against both Experian and XXXX XXXX for failing to adequately address a fraudulent account that was opened in my name without my authorization. 


Fraudulent Account Details : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Not opened or authorized by me ) Attempts to Resolve with Experian : I contacted Experian to dispute this fraudulent account and informed them that I did not open or authorize it. Despite this, Experian has refused to remove the account from my credit report. 

1. Failure to Investigate : Experian did not request any additional information or documents from me to validate my dispute.

2. Lack of Compliance : Their refusal to remove the account demonstrates a failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation into disputed accounts. 

Attempts to Resolve with XXXX XXXX : I also contacted XXXX XXXX to report the fraudulent account. However : 1. No Action Taken : XXXX XXXX has not provided sufficient resolution or explanation regarding how this account was opened in my name without my authorization. 
2. Failure to Verify Identity : XXXX XXXX did not adequately verify my identity before allowing the account to be opened, which contributed to this fraud. 


Impact of Experian and XXXX XXXX Failures : The failures of both Experian and XXXX XXXX to address this fraudulent account have caused the following harm : - My credit report remains inaccurate, potentially affecting my ability to obtain credit or loans. 
- The ongoing presence of this fraudulent account has caused me significant stress and frustration. 


Resolution Sought : I am requesting the CFPB to investigate this matter and require : XXXX. Experian : - Conduct a thorough investigation into the fraudulent account. 
- Remove the account from my credit report immediately. 
- Improve their dispute-handling process to ensure compliance with the FCRA. 
XXXX. XXXX XXXX : - Investigate how this account was fraudulently opened in my name. 
- Provide a clear explanation and documentation of the application process for the account. 
- Strengthen their identity verification processes to prevent similar fraud in the future. 


Thank you for your assistance in resolving this matter. 

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 2024-12-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Letter Regarding Involvement in Equifax Data Breach To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report stemming from the XXXX Equifax data breach and to assert my rights under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681.

It has come to my attention that my personal information have been compromised due to the breach, leading to unauthorized activity and inaccuracies on my credit report. Under 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete, inaccurate, or unauthorized. Furthermore, under 15 U.S.C. 1681c-2, I am entitled to take measures to protect my personal and financial information. 

To address this matter, I request the following : 1. A thorough investigation into a XXXX XXXX XXXX XXXX  Credit Card on my credit report. 
2. Immediate removal of the fraudulent XXXX XXXX XXXX XXXX  Credit Card. 
3. Written confirmation that the requested changes have been made. 

For your reference, I have attached a copy of my credit report with the disputed items highlighted, along with copies of my identification and proof of address. 

Please provide a written response detailing the outcome of your investigation within the timeframe prescribed by law. Failure to comply with your obligations under the FCRA may result in further legal action to protect my rights. 

Thank you for your prompt attention to this matter. Please contact me at XXXX XXXX XXXX if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation