vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: SC

Complaint narrative:
As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I walked into Wells Fargo and deposited a {$65000.00} check given to me by my aunt on XX/XX/XXXX with a teller. Wells Fargo froze my account. My aunt passed away on XX/XX/XXXX. I filed a complaint with CFPB on XX/XX/XXXX. Since then, Ive gotten multiple answers from multiple people at Wells Fargo on how to resolve this. Ive provided proof of the check clearing, Ive provided proof that Im the POD on the originating checks account. I submitted her death certificate. Ive submitted proof that there is no hold coming from XXXX XXXX XXXXXXXX on this check. I was told to bring in documents stating Im the POD with a XXXX XXXX XXXX XXXXXXXX contact information to a Wells Fargo branch so we can have a conference call with BOA. I brought this in on XX/XX/XXXX to be turned away and say no thats not what they want. Even though on a recorded phone call on Thursday XX/XX/XXXX with representative XXXX, that is what they specifically told me they wanted, no misunderstanding on my end. They told me to officially close my aunts XXXX account to provide this contact information, I did. Then in the XXXX XXXX branch with Banker XXXX on XX/XX/XXXX on another recorded phone call, they told me they would be closing my Wells Fargo account & rerouting the check back to the originating XXXX  account automatically and to see if I can call to keep that account open. I call XXXX as my aunts POD and was successfully able to have XXXX place a pause on the closure of the account. I called Wells Fargo to confirm, now all of a sudden they need XXXX  to recall the original check otherwise it would be held in a suspense account for 90 days and then move to unclaimed state property. Earlier in the day it was automatic, now all of a sudden BOA has to recall the check? Every step I take with Wells Fargo I am being told I need something else or something different. I called XXXX, they were confused and basically said they wouldnt recall a check that has been cleared for weeks now because 1. Im not the owner of the account and XXXX. Why would they recall a check that cleared on their end with no issues or reports of fraud? XXXX fraud representative then told me that nothing about Wells Fargo doing this seems right & if she were me she would retain legal counsel against Wells Fargo as there is no reason for this check to be held, Ive provided more then enough documentation and proof & there is NO HOLD FROM XXXX XXXX XXXX. Again, this occurred on a recorded phone call with XXXX on XX/XX/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 2023-09-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: LA

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-27 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: LA

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-09-27 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: TX

Complaint narrative:
Talked it over with a court appointed mediator to resolve the issue with a specific amount agreed upon. Then next I receive documents to sign that doesnt reflect to what we settled with including an outrageous amount of compound interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letters to Experian ( consumer reporting agency ) to update my credit report to remove any employment info from my report as they do not have my permission to report this info. Additionally, I've sent them letters informing them my only name that should be reported is XXXX XXXX XXXX and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. Any names or addresses that differ, need to be removed. 

Experian also emailed me a recent update regarding my dispute. In this update, they noted " At your request, the following organizations will receive the results of your investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I did not request for them to send the results to the aforementioned companies. This is a violation of my rights per the FCRA. Furthermore, Experian is reporting erroneous information as it pertains to an alleged debt with XXXX XXXX XXXX. They did not send me a method of verification as requested. This account should be removed from my consumer report as it is causing me harm, stress, and the inability to to obtain additional credit. Experian also continues to send stall letters every time I dispute to discourage and intimidate me from taking further action.

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 2023-09-27 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: NY

Complaint narrative:
I am writing to file a formal complaint and address a matter of utmost importance concerning the rejection of my dispute due to a missing address on my FTC report. This issue not only violates the Fair Credit Reporting Act ( FCRA ) but also raises concerns related to the Fair Debt Collection Practices Act ( FDCPA ). 

Issue : I have been diligently working to rectify inaccuracies on my credit report, specifically regarding the [ XXXX Account ]. In my recent dispute submission, TransUnion rejected my dispute due to a purported missing address on my FTC report. This rejection not only undermines my rights under the FCRA but also raises concerns regarding the handling of my dispute, which falls under the purview of the FDCPA. 

Updated Information : I have taken immediate action to address the missing address concern on my FTC report, ensuring that it now reflects my current and accurate address information. 

Request for Reconsideration : I hereby request that TransUnion reconsider my dispute, taking into account the updated information on my FTC report. I urge TransUnion to conduct a thorough and fair investigation into the inaccuracies associated with the [ XXXX Account ]. The FCRA obligates credit reporting agencies to promptly correct inaccuracies and conduct reasonable investigations into consumer disputes. 


I want to emphasize that this issue extends beyond mere inaccuracy on my credit report. It involves a potential violation of my rights under the FCRA, which was enacted to protect consumers like myself from the consequences of erroneous credit reporting. Additionally, I have concerns about compliance with the FDCPA in the handling of my dispute.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called the company XXXX XXXX to settle on a payment to be able to take this account off my credit report. XXXX XXXX agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.

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 2023-09-27 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: FL

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

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 2023-09-27 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-27 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: GA

Complaint narrative:
I have been disputing this account for a very long time with Equifax. I disputed this information with all three bureaus for multiple reason, mainly because of the inaccurate information, it being a charge-off ( so no debt is owed to the original lender ), and because the account is not mine. My address has never been the XXXX XXXX XXXX XXXX, XXXX XXXX and I have never been an employee of XXXX XXXX XXXX XXXXXXXX I contacted the Secretary of State in Mississippi and informed them of this information. I was then told that anyone is able to add an individual as a managing member of their business without consent and they informed me to contact the person or business to have me removed. This individual is refusing to do so. I will attach a screenshot of the conversation of me asking him to remove me from his business. Furthermore, I asked Equifax, and the company via phone call, to validate this inaccurate/incorrect account that they are reporting on my credit profile and to show proof of original contract that bares my signature, nothing computerized, and that shows my signature, the same signature that is on my valid and current State of Georgia Driver 's License. They failed to show proof. The documents as you will see does not show proof of my signature anywhere, on any of the documentation. Equifax is the only credit reporting agency that is refusing to acknowledge that they are reporting this information inaccurately. Equifax is in violation of the following consumer laws with regards to this matter : 15 U.S.C. 1681i ( 7 ) 15 usc ( 6 ) ( B ) ( iii ) FCRA,15 U.S. Code 1681e ( b ) under 15 U.S. Code 1681n 15 U.S. Code 1681o Law 15 U.S.C. 1681i ( 6 ) 15 US Code 1681n ( b ) This false and inaccurate information is affecting my credit worthiness and it is making me look very bad to lenders. Also, it is affecting my mental health because I have tried very hard for the past 8 years to build my credit so that I may pursue goals of purchasing a home and accomplish other goals that I have and this continues to affect my XXXX. 

Please see all of the attachments of letters sent to them, the conversation between myself and the individual that has falsely and illegally added me to his business without my consent, and the results they recently sent me back in the mail to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TN

Complaint narrative:
In XXXX of XXXX I noticed Experian was reporting a delinquent account with XXXX. I disputed this account directly with XXXX as well as Experian advising this account was opened fraudulently as a result of ID Theft. I submitted a local police report, a FTC id theft report as well as all they required documents they requested. Experian came back advising this account will remain due to the information the data furnisher provided them they have deemed this account to be valid. It is not a valid account, it is a fraudulent account. I have requested Experian provide me with the evidence they received so that I may have an opportunity to review and dispute any inaccuracies or insufficient information and they have failed to provide me of that. The XXXX accounts were opened in XXXXXXXX XXXX XXXXXXXX but did not report to my credit report until XXXX XXXX XXXX I did not authorize these accounts and have provided more than enough evidence to support these are fraudulent. Experian as well as XXXX are refusing to provide me with evidence that supports their claims of these accounts being valid. I have requested proof of a signed contract with my actual wet signature, not a generic electronic signature that anyone can forge to a document. I have asked for them to verify that signature if provided with the signature on my drivers license, but they have failed to do so. The only response I receive from Experian is the data furnisher provided evidence that proofs validity, but will not provide me with those findings.

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 2023-09-27 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: OK

Complaint narrative:
Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX  XXXX  XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : XXXX As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.

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