vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Im an XXXX XXXX XXXX in the XXXX XXXX. On XX/XX/XXXX I XXXX to XXXX as per XXXX  orders issued. While on XXXX my husband contacts me informing me that the vehicle has been repossessed and taken by a wrecker company for missed payments. From my initial purchase of the vehicle I had it setup on auto payment from my bank account drafted on XX/XX/XXXX. I contacted Wells Fargo whos the finance company to my vehicle to find out whats going on. As per Wells Fargo they informed me that I had missed payments which led them to repossess the vehicle. I informed Wells Fargo that I was XXXX on orders for the XXXX  and out of the country. As a XXXX  XXXX  i was informed from legal that Im protected by the XXXX member Civil Relief Act and vehicle should have not been taken. I related the information to finance company as the proceeded to work towards returning my vehicle to my husband. Wells Fargo has released and returned the vehicle to my husband but refuse to provide other requests regarding my account. Wells Fargo has made the error and were responsible for the removal of my auto payment ; With that they are not assuming responsibility. Wells Fargo demands an unreasonable amount and wants that I pay {$2100.00} a month for 12 months to satisfy debt. The vehicle is not even worth {$24000.00} blue book value. I requested that reduction of interest rate below 6 % as per SCRA and I was denied. I also requested that all derogatory reports made to credit bureaus be removed or fixed and was denied as well. As per my role in the military I am required to maintain my specific clearance and due to the negative reporting it has been affecting me in my career and my family. It has also cause other financial institutions that I had conduct business to close my accounts due to negative reporting. Additionally low credit score and denial of 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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested Transunion remove a freeze on my report. The company would not allow me to speak to a representative Stateside in the United States although I requested this several times. I was informed that I was permanently blocked from online services due to being a victim of identity theft prior. This further victimizes me by not allowing me ease of access to services that every other subscriber is. Due to their refusal to allow access to my report I was unfairly denied for a service. The company continuously proceeded to ask me questions that were supposed to be related to myself and my credit file that had absolutely no relation to me. I called repeatedly on several occasions and tried to explain but could never speak to a competent XXXX in order to look into this further and offer a resolution. I am also attaching a copy of the demand letter I mailed to Transunion.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-12-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am referred to 15 USC 1692C I am not paying this bill and do not wish any further communication nor it to be reported to the credit bureaus. This is not my account and I only had signing privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that the following inquiry be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The inquiry listed below was made fraudulently as a result of this breach. 
Inquiry to Be Removed : 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 2024-12-08 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:
I am writing to inform you that I am a victim of a recent data breach and request that the following account be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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:
I am writing to inform you that I am a victim of a recent data breach and request that the following account be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2024-12-08 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:
someone opened an account in my name I did not give permission

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 2024-12-08 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:
someone opened an account in my name I did not give permission

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 2024-12-08 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX XXXX opened XX/XX/XXXX and XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX and XXXX XXXX  XXXX opened XX/XX/XXXX An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ) and XXXX personal loan accounts at XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX and XXXX XXXX XXXX opened XXXXXXXX XXXX.These accounts have resulted in several fraudulent charge offs appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2024-12-08 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:
I am writing to formally notify you that I am a victim of a data breach and request that the following inquiry be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The inquiry listed below was made fraudulently as a result of this breach. 
Inquiry to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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:
I am writing to formally notify you that I am a victim of a data breach and request that the following inquiry be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The inquiry listed below was made fraudulently as a result of this breach. 
Inquiry to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
someone opened an account in my name I did not give permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID ( Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft 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 non-monetary relief
Consumer complaint received 2024-12-08 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: AZ

Complaint narrative:
Dear CFPB, I am writing to dispute significant inaccuracies in the reporting of multiple accounts on my credit reports, as furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inaccuracies, reflected by both XXXX and Equifax, include false reports of late payments and conflicting information, which violate multiple provisions of U.S. law. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Equifax ) Violations of Federal Law The reporting by these entities violates several provisions of the Fair Credit Reporting Act ( FCRA ) and related laws, including but not limited to : 15 U.S.C. 1681e ( b ) Accuracy of Reports Credit reporting agencies are legally obligated to ensure that consumer information is accurate. These accounts reflect false late payments and inconsistent data, demonstrating a clear failure to comply. 

15 U.S.C. 1681i ( a ) Dispute Resolution Obligations XXXX and Equifax are required to conduct timely and reasonable investigations upon receiving disputes. Their failure to correct these inaccuracies contravenes this legal requirement. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher Responsibility to Report Accurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are prohibited from furnishing information they know or should reasonably know is inaccurate. False late payments and inconsistent data violate this obligation. 

15 U.S.C. 1681b ( f ) Permissible Purposes for Reporting Consumer Information Reporting entities must ensure the accuracy and proper handling of consumer data. The discrepancies in these accounts constitute a breach of this legal duty. 

15 U.S.C. 1681c ( a ) ( 5 ) Exclusion of Obsolete or Inaccurate Information The inclusion of unverifiable or inaccurate late payments and inconsistent account data violates the mandate to exclude such information. 

Impact of Violations These inaccuracies have adversely affected my credit score, causing significant financial harm and stress. Such reporting negligence undermines my rights under federal law and diminishes my access to fair credit opportunities. 

My Requests Immediate Corrections : Remove any inaccurate late payments or conflicting data for the accounts listed above. 
Ensure Accuracy : Correct all discrepancies across XXXX and Equifax credit reports. 
Conduct a Full Investigation : Investigate the reporting practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for compliance with the FCRA. 
Written Confirmation : Provide written confirmation of the resolution process and actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There are at least XXXX fraud on my credit and a lot of charge offs that are still reflecting on my credit score and brings it down or never let it go up and I want it removed I have paid several creditors to help with this and and its still on my credit I would like them removed.

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 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : ACCOUNTS : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} INQUIRIES : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : ACCOUNTS : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} INQUIRIES : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I was held at XXXX XXXX to and I was robbed for my phone From then XXXX XXXX purchases were made on my account XXXX for {$820.00} And another for {$970.00} And then they sent to their self to a XXXX  address Then the suspect then cash appear their self {$110.00} Their cash tag is XXXX XXXXXXXX

Company response to consumer: Closed with explanation