vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was informed by my identity alerts that a new Checking Account was opened at Wells Fargo. I immediately reached out to Wells Fargo who verified that an account had been opened in my name. I informed them that this was fraud and requested that the account be closed immediately. 

On XX/XX/XXXX, Wells Fargo sent a terse reply that I bore no financial responsibility for the account and that they would remove any information related to the account. 

However, Wells Fargo DID NOT provide the my personal information that they gathered when the fraudulent account was opened. 

Note that the opening of the checking account was not recorded by any of the credit bureaus and thus would not have been blocked by my credit freezes on these accounts as, it seems, that checking accounts are not subject to credit checks.

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 2024-12-06 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-06 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: VA

Complaint narrative:
Cfpb upon looking at my Experian credit report I noticed that Experian removed a positive account for my credit report today which I had over a year and I did not give them written consent to furnish my credit report. Also I'm uploading documentation so that you can see that when they removed my positive XXXX progress card account it took my credit score down XXXX points cfpb please make Experian reverse the action and put that back on my credit report thank you

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: OR

Complaint narrative:
had two credit card accounts opened without my knowledge and both charged them up. i contacted the company and the credit bureaus and they keep asking for more information. I am now starting this complaint process

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 2024-12-06 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: OR

Complaint narrative:
had two credit card accounts opened without my knowledge and both charged them up. i contacted the company and the credit bureaus and they keep asking for more information. I am now starting this complaint process

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 2024-12-06 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-12-06 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: AL

Complaint narrative:
I was a victim of data breach from exquifax, XXXX, and transunion XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: LA

Complaint narrative:
15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ).

The account in question has been reported as a collection/charge-off, which is adversely affecting my credit score. I believe that the reporting of this account is inaccurate, as there remains a balance after it was fully charged off. I respectfully request your agency 's assistance in rectifying this matter by conducting a reinvestigation and providing any pertinent information that may be missing.

Additionally, I seek clarification regarding the presence of a past-due balance on my report despite the classification of this account as a charge-off. This situation appears to violate 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). Furthermore, I have yet to receive a 1099-C form, which raises additional concerns about potential fraudulent activity and further violations.

I formally demand the immediate removal of this account from my credit report to ensure that your agency is reporting comprehensive and accurate information. I appreciate your prompt attention to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Im reaching out to file a serious complaint about Fair Collections & Outsourcing , Inc. ( FCO ), which has placed a fraudulent collection account on my credit report. This alleged debt is completely inaccurate and has caused me significant harm, both financially and emotionally.

I have never done any business with FCO or agreed to any debt collection arrangement with them. I have no knowledge of the alleged debt they claim I owe, yet FCO has reported this to the credit bureaus, damaging my credit report and creating unnecessary complications in my financial life.

Heres what Ive done to try to resolve this issue : Disputed the debt : I filed disputes with the credit reporting agencies.

Filing this complaint : After exhausting other options, Im asking for your assistance in holding FCO accountable.

I urge the CFPB to investigate this matter thoroughly and require FCO to : Provide concrete proof that this debt is valid, including any signed contract or agreement linking me to it.

Show clear evidence that the debt was assigned or sold to them and that I agreed to pay them directly.

Provide complete account statements showing how the alleged balance was calculated.

Immediately remove this false information from all credit reporting agencies. 

How This Has Affected Me : This fraudulent report has damaged my creditworthiness, preventing me from securing loans and financial opportunities. It has caused unnecessary stress, frustration, and a loss of trust in the accuracy of my credit report. 

Key Information : Alleged Creditor : XXXX XXXX XXXX XXXX Collection Agency : Fair Collections & Outsourcing , Inc . 
Collection Account Number : XXXX I kindly request that you address this matter promptly and take the necessary steps to ensure that FCO is held accountable. My financial and emotional well-being depends on the resolution of this issue.

Thank you for your attention. 

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 2024-12-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
There are errors on my credit report, including unapproved hard inquiries, which breach 15 USC 16c-2. I request their removal 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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Midland Credit Management garnished my wages without proper notice of lawsuit. A court order was never issued nor was a court date scheduled/held. This wage garnishment began in XX/XX/year>. I never received a court date. This garnishment is unlawful.

Total judgement Due = {$3500.00} with Payroll Deduction Amt = {$220.00} Per Pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Opened on XX/XX/year>

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 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX, I initiated an international transfer for {$1800.00} to a WISE account from a XXXX account, based in the XXXX XXXX 

TRANSFER REFERENCE : XXXX I mistakenly typed in the wrong account details. 

The money was however processed and not returned back to me even though the account details did not match the name and should have been FLAGGED BY WISE. 

WISE has since refused to assist in any way, shape or form in the recovery of these funds, even so much as contacting it's partner bank in the XXXX XXXX XXXX XXXX XXXX  which was apparently the final destination for the funds. 

They claim no responsibility since the transfer wasn't initiated from a WISE account even though it was processed by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, my personal information has been compromised and used without my authorization. I am requesting that the following fraudulent accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Block and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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 am writing to inform you that I am a victim of a data breach, and as a result, my personal information has been compromised and used without my authorization. I am requesting that the following fraudulent accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Block and Delete : XXXXXXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXXXXXX  - Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00}

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank , N.A . ( Chase ), for their lack of response to my hardship program requests and their failure to provide clear or timely communication about my eligibility. 

In early 2024, I initially inquired about enrolling in Chases hardship program due to financial difficulties. My request was denied, and no alternative solutions were offered. 

On XX/XX/year>, I again requested enrollment in a hardship program via Chases secure messaging system. I reiterated my financial challenges and requested clear information about eligibility requirements. I followed up with additional messages on XX/XX/XXXX and XX/XX/year>, but Chase has not provided a direct response to my request. Instead, I received a message on XX/XX/year>, instructing me to call their debt management department, despite my stated preference for written communication. 

Throughout this process, I have emphasized my preference for secure messages or email to ensure accurate record-keeping. Chases lack of clear responses and their insistence on phone communication have caused unnecessary delays and stress, while my financial situation remains unresolved. 

I am submitting this complaint to request resolution and proper handling of my hardship program inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
I have noticed inaccuracies on my credit report where hard inquiries were made without my permission, violating 15 USC 16c-2. Kindly remove them right away.

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 2024-12-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information related to my account as reported to the credit bureaus. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, and the Truth in Lending Act, specifically 15 USC 1666b.

Upon reviewing my credit report, I noticed the following discrepancies : 1. incorrect payment history I believe this information is incorrect for the following reasons : late payments are being reported inaccurately and I always maintain an consistent payment history. Upon reviewing the credit report I noticed Consumer are reporting 3 different payments history. Which plays a crucial role in my credit report.

In accordance with 15 USC 1681i, I request that you investigate this matter and correct or remove the inaccurate information from my records. I have attached a copy of my recent credit report to support my claim.

Furthermore, under 15 USC 1666b, I am also requesting that you review any billing errors associated with this account that may have contributed to the inaccurate reporting. Please provide me with a detailed explanation of any findings from your investigation and any actions taken to rectify this matter. 

I appreciate your prompt attention to this dispute. Please respond to me in writing at the address listed above within 30 days of receiving this letter, as required by law. 

Thank you for your cooperation. 

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