vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
We reported to Experian and through CFPB that a collection notation on my credit report is incorrect. We have been in dispute for over 22 months with XXXX and there numerous consumer fraud by XXXX as they could not provide service or fix it. We provided proof of those over XXXX pages through CFPB and several pages through Experian ) and they always ignore that and say collection stays. The previous time we called Experian and said ( 1 ) Experians answer that account closed on Vendors request is incorrect, ( 2 ) We have given irrefutable proof but Experian is using XXXX confirms ( whatever it means in light of the proof I submitted ), ( XXXX ) XXXX submitted to a collection agency XXXX XXXX who independently dismissed we owe XXXX any money, ( 4 ) The last time I in addition pointed out ( as well as gave portion of documents provided through CFPB, on their request when I called and asked Experian why are they doing this incorrect thing ) that the statement account closed on Vendors request is incorrect, and ( 5 ) Now there is an additional abetting of fraud by Experian in addition to the previous points by removing my consumer statement about the dispute on the credit report.

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 2024-06-10 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:
There are new items on my credit report that is there as a result of 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 non-monetary relief
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
There are new items on my credit report that is there as a result of 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 2024-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We paid off the lease on XX/XX/year> at XXXXXXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX deposited our check which cleared our bank on XX/XX/year>. XXXX XXXX XXXXXXXX XXXX then mailed a check to Toyota Financial Services ( " TFS '' ) on XX/XX/year>. TFS has told us that they received the check on XX/XX/year>. 

TFS has not processed our payment. TFS told us it would take XXXX days to process the check. It has now been XXXX business days and the lease still shows as outstanding and overdue on my credit report. 

TFS is causing us financial duress. The open lease negatively impacts my credit report. If TFS shows that we're 30 days past due with will also impact my credit report. 

I am shocked that a check for over {$50000.00} cleared my bank on XX/XX/XXXX and I have nothing to show for it but the bad faith, lame efforts of TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
I am writing to demand the removal of XXXX XXXX Account XXXX from my credit report. XXXX XXXX informed me that they had been told the credit agencies to remove this account from My Credit report due to the inaccuracies ; however, it was never removed from XXXX or Transunion. This account must be disputed and removed from my credit report due to all inaccuracies.I have submitted multiple fraud reports for this account to be removed and disputes. Transunions customer service requested for me to turn in the full XXXX  report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an XXXX works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX XXXX illegally changed the account number for this account. I contacted Transunions customer service on the phone and they thought this was a brand new account. Please review my XXXX XXXX account history and you will see that this is the same account that was previously removed by Transunion, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. 
Secondly, THIS ACCOUNT IS REPORTING TWICE TO MY CREDIT REPORT AS I HAD PREVIOUSLY DISPUTED THAT AS WELL. THIS SAME ACCOUNT IS SHOWING TWICE ON MY CLOSED ACCOUNTS. 
I AM READY TO SUE AS I HAVE DONE MY BEST WITH BEING PATIENT WITH XXXX XXXX AND THE CREDIT BUREAUS. 
REMOVE THIS ACCOUNT FROM MY CREDIT, SHOWING IT TWICE IS A COMPLETE VIOLATION. THIS ACCOUNT HAS COSTED ME TOO MANY LOSSES

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 2024-06-10 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: NY

Complaint narrative:
I tried many different forms to disputes these account and they keep sending all documents without no proof of the address and my hand writing of signatures all these accounts and inquires are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10 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: PA

Complaint narrative:
Experian credit company is reporting false info on my credit report which goes against fcra guidelines im am considering reaching out to department of justice due to invalid information but the accounts are as followed 1. XXXX XXXX is a fraudulent account they XXXX XXXX XXXX from report and update 2XXXX XXXX XXXX is being reported late which is inaccurate i have proof of payment history to show otherwise they need update payment history to excellent 3. XXXX XXXX XXXX are not my accounts i have never had a student loan they need removed from report the credit bureaus made a mistake and either way these accounts are over 7 years old 4.XXXX XXXX is also innacurate and needs deleted off my credit report is a fraudulent account as well and XXXX XXXXo is well aware of 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed a complaint with XXXX XXXX XXXX about inquires on both my Experian and XXXX account that have not been resolved or deleted. 
All inquiries from XXXX from both companies are identify theft and breach XXXX usc XXXX where theyve defamed me, my credit report and XXXX my credit score and XXXXXXXX. Ive tried disputing them online/ on the phone/ mailing letters. No resolution has happened and I need them gone immediately.

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 2024-06-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried many different forms to disputes these account and they keep sending all documents without no proof of the address and my hand writing of signatures ' ON ACCOUNT XXXX XXXX {$300.00} open on XX/XX/XXXX XXXX inquires XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed a complaint with XXXX XXXX XXXX about inquires on both my XXXX and TransUnion account that have not been resolved or deleted. 
All inquiries from XXXX from both companies are identify theft and breach 15 usc 1681 where theyve defamed me, my credit report and XXXX my credit score and XXXX. Ive tried disputing them online/ on the phone/ mailing letters. No resolution has happened and I need them gone immediately.

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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I referred XXXX XXXX and XXXX XXXX to the Capital One XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX, respectively. I gave them my Cap One XXXX XXXX referral link and even helped them to fill out the application as I was with them in person. 

I was credited XXXX miles for XXXX XXXX, but I still have not received the credit for XXXX XXXX. Both were approved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 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 signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.

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 2024-06-10 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: CA

Complaint narrative:
I signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was XXXX XXXX XXXX  thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.

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 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
3 wires were sent totaling {$900000.00} for real estate XXXX and XXXX sent 3 wires for {$900.00} to XXXX XXXX XXXX XXXX Wells Fargo received those in XXXX XXXX XXXX XXXX All wires were recalled. Initially, Wells Fargo said it was a large error on their part but since change from that recorded call to its XXXX and XXXX error and they carry lose accounts to cover these situations. We asked all three to self-report. XXXX and Wells Fargo said no on recorded lines. XXXX said report to cfpb and provide report number. Then they would self-report. A police report was filed, and Civil lawsuit. in XXXX XXXX Texas. The same individuals have many civil lawsuits. They have 2 bankruptcies that have been reported as fraud. The US DOJ is monitoring those bankruptcies but will not confirm or deny they have an open investigation. XXXXXXXX XXXX issued a fraudulent 1st lien loan to counter a second XXXX in default. Unjustly putting themselves at the front of the line. They did a conforming loan without support. So much so they allowed a second lienholder to step in and take over the asset. They know they have a loan officer who committed fraud to save his year-end performance bonus. We asked them to self-report. Head of compliance was served, and they went silent. a lot of layers of fraud. PPP. Wire, Securities, Tax evasions. The great thing for investors is you have banks who committed ppp and loan fraud. XXXX XXXX XXXX. His brother XXXX XXXX and daughter XXXX XXXX have trust fund with stolen investor 's money. 

XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX has XXXX children. He claimed XXXX exemptions in XXXX. Tax fraud. 
These individuals have both stated that they carry a XXXX at all times, and should be 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 2024-06-10 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: NC

Complaint narrative:
Equifax claim that they have completed my dispute : I disagree with the account listed below which still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. This inaccuracy are highly injurious to my credit score : Dept of Education 1855. I have sent proof of this and it is still on my report.. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I reported to wells fargo that my credit card account was used fraudulently and that the amount of debt that was incurred was not mine they immediately acted and closed said account due to fraud that was also tied too a court case that included the person who committed it but they are now trying to make me liable for a debt they already closed and knew was fraud and this wells fargo account is now back on my credit report which also is against the law being that a judge court ordered that this debt is relinquished im reaching out to have you enforce that wells fargo complys with the law i also have my attorney looking into this but wfbn wells fargo account should not be on my credit and there should be no report of this matter at all

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 2024-06-10 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: IL

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my expressed written instructions. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things, please delete these accounts from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief