vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
**Company Information : ** - **Company Name : ** XXXX XXXX Bank XXXX XXXX ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against XXXX due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, XXXX reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, XXXX has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with Experian, noting over XXXX unauthorized soft pull inquiries made by XXXX without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, XXXX has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form 1099-C, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way XXXX has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that Experian, XXXX, XXXX, XXXX XXXX XXXX  ( XXXX ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : 1. The name and employee number of the individual who authorized these inquiries during their initial investigation.

2. Documentation supporting the authorization, such as inquiry logs. 
XXXX. A signed application with my wet ink signature. 

If Experian, XXXX, XXXX, XXXX XXXX XXXX  ( XXXX ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and XXXX  caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
To : Capital One My name is XXXX XXXX and Im contacting you because your company placed an unauthorized inquiry on my credit report on XX/XX/year>. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXXXXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I wrote check # XXXX to a gas company, XXXX XXXX XXXX, on XXXX. I wrote the check for XXXX. Someone got a hold of this check in the mail and clearly altered/changed it to be written to an XXXX XXXX in the amount of XXXX and the funds were taken from my account! I have been trying since I discovered this on XX/XX/XXXX to work with my bank, Citizens Bank, to rectify this to no avail. They finally just informed me on XX/XX/XXXX that since it was more than 30 days since the crime occurred they could do nothing for me. We have banked with them for more than 20 years and they did nothing. So much for a being a " citizen 's bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
I initiated a payment of {$320.00} dollars to pay off my XXXX loan. XXXX said my payment would process on XX/XX/year>. I initiated that payment on the XX/XX/year>. However, the funds were withdrawn immediately. I checked on XXXX to see if my load had been paid off. It was not. I called them to see if they received the payment because the funds were withdrawn. They did not receive the payment, so they advised me to call my bank. Im banking with Current ( XXXX  XXXX XXXX ). They told me the transaction didnt go through due to insufficient funds. Yet, the funds are gone. So now Im out of {$320.00} and a chance to loan myself money from my XXXX account. I sat on the phone with customer service for over an hour with no resolution. Theyre telling me I never had the funds to begin with and I literally had just gotten paid over {$2000.00} dollars on payday. So where is my money? No idea. Whats crazy is on XX/XX/year> theres a transaction that says + {$320.00} meaning it should be returned but its still not there. On the phone the representative said she didnt even see that on her side, yet I can see it on mines. I dont know what to do. I wan na sue but I dont even have the money to do so. This is all I can do. If somebody can help me PLEASE contact me. I have XXXX daughters that I take care of. They need this. Not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX  Opened XXXX XX/XX/XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I work with a credit repair company and we asked for proof several times with no response. Other companies responded but they have not. No proof of me owing the balance has been sent.

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 2024-11-02 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit file. 
Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit 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 consists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There is a fraud alert on my account with the three credit bureaus

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 2024-11-02 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: NV

Complaint narrative:
I am writing to report that I am a victim of a data breach resulting in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$86.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-02 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: NV

Complaint narrative:
I am writing to report that I am a victim of a data breach resulting in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with XXXX USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$86.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo informed me that an account was opened in my name for a six month period, and they provided me with a check for {$210.00}. I rejected that payment and made a request for {$20000.00}. The matter was set for mediation. On XX/XX/year>, a mediation session was held with the XXXX. XXXX XXXX XXXX and a representative from Wells Fargo. My initial demand was {$20000.00} and Wells Fargo countered at {$2500.00}. I countered with {$18000.00}, and Wells Fargo made a best and final order of {$3700.00}. The mediator asked if I wanted to counter, but I reminded her that this was a final offer, so I was going to just reject that offer. The mediator informed me at the point when an agreement can not be reached, the company may asked for a proposal She explained that the proposal is a bridge between the parties. She explained that Wells Fargo is not going to give me XXXX XXXX XXXX  but the proposal is more than their final offer. Sure enough, after conferencing with the Wells Fargo agent, the agent requested a proposal. On Monday, XX/XX/XXXX, I received the Mediation Proposal from Wells Fargo. The proposal was for Wells Fargo to pay me and additional {$3700.00}. I contacted Wells Fargo to get the exact dollar amount before moving forward. I spoke with two different agents because they also had difficulties in understanding the document. Ultimately, I was told that the proposal was only {$3700.00}, and I was told that the word additional was confusing because Wells Fargo is not agreeing to anything above the {$3700.00}. I believe that Wells Fargo is again being deceptive. During the mediation, the Wells Fargo agent asked for the proposal and stated that Wells Fargo would have fulfill the requirements of mediation with the proposal. Wells Fargo sent me the proposal that they have already accepted, but it merely was their final offer. If the mediator is saying for them to pay me an additional {$3700.00}, why is it not in addition to their final offer. Wells Fargo is paying the mediator, and although the mediator stressed that my rights are protected, the mediation was not done in good faith. I was prohibited from recording the mediation, but I want the mediator 's description of the proposal to be honored. The proposal should not be Wells Fargo rejected offer disguised as a good faith effort. Wells Fargo can reject paying the additional {$3700.00} above their final offer, but they should not accept the proposal ; then say that they have no plan to pay above {$3700.00}.

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 2024-11-02 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit file. 
Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit file. 
Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02 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: TX

Complaint narrative:
I am disputing incorrect personal information on my credit report, which includes multiple names and addresses that do not belong to me. I first noticed this issue in XX/XX/year> while reviewing my credit report. Since then, I have taken steps to address it by gathering supporting documentation and contacting your company directly to request corrections. However, the inaccurate names and addresses remain on my report, adversely affecting my credit profile. I expect prompt action to rectify these inaccuracies. Please investigate this matter and ensure that my credit report reflects my correct personal information. 

Please see the drivers license attached.

Company response to consumer: Closed with explanation