vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a business owner for XXXX yrs and I was XXXX XXXXXXXX at XXXX different banks and XXXX XXXX XXXX over several years. Now senior over XXXX. I am very good with filing papers and clean. When I first opened an checking account at the Wells Fargo bank in XXXX I received a deposit agreement which says customer to claim within 60days to report fraud unauthorize transactions. I noticed nobody even employees knew and read these agreements.I kept it in my cabinets till now. 
When I opened new account in XX/XX/XXXX I remember clearly who opened and I signed machine per instructed. I had never received the signature cards copy which was transfered my signature which I just found it XXXX yrs later when I requested a copy. 
Bank should never let customer sign and transfer this into the agreement without customer acknowledge it. Info was outdated and I will never sign without checking it. I had never received deposit agreement. None. 
XX/XX/XXXX When I reported to check my account cashed as unauthorized transaction bank officer told me to open a new account. I followed her instruction. I had never signed and she never gave me a deposit agreement. About XXXX later I received by mail blank signature sheet to sign for new account with all the personal infomation include social security, birthday, driver 's license, address and acct number clearly as the joint account holder of my son. I had never asked bank to open as joint account. 
Later I complained to XXXX who opened an account she said head office opened an account no her. She doesn't know any. I didn't get the deposit agreement. 
XXXX weeks after XX/XX/XXXX Bank denied my claim to reimburse and XXXX was shocked because of she told me bank will credit in XXXX days. XXXX was shocked to find it out and I had asked her which document to say. She even didn't know I suggested her to bring an deposit agreement and I showed her where. This is the proof of she didn't give me the deposit agreement when I opened an account. How do I know about new deposit agreement which never given and XXXX XXXX XXXX into XXXX. 
Other banks I use always send me monthly paper statements with copy of the checks. 
XXXX said it will be cost {$3.00} each mo. when I had asked her. I later found it will be included to my account as premier account. I was so dissapointed not given all my right even I had discussed with XXXX when I was introduced to her by other officer who takes care of me. Please review all my accounts signature cards and bank shouldn't let customer sign even before given the deposit agreement or anything. ( I was not given any thing. ) WF bank should be more careful and let customer to be insured to understand importance of the deposit agreement and avoid to give false info to customers.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I seen some fraudulent inquiries on my credit report and would like to have them removed XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX-XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX  days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. 

I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any vehicle.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX  days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. 

I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX  days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. 

I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any vehicle.

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 2023-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Text, emails to me daily XXXX XXXX harassing me about this accounts I have told them. I cant at the moment and remove my number from contacting I will contact them when Im ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XX/XX/2023.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account : XXXX XXXX, Account : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX Inquiries : credit technology, Defender security, frontier, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 16 81 section 604 A section 2 : it also states that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit, plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I mailed a letter to Experian, XXXX, and XXXX on XX/XX/2023, with tracking number XXXX. Despite over 30 days passing, I have not received the investigation results from the credit bureaus. This situation is perplexing. As per 15 U.S. Code 1681, if a consumer disputes information accuracy and notifies the agency, the agency must conduct a free reinvestigation within 30 days. This legal requirement has not been met. 

Accounts : - XXXX XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc # : XXXX - XXXX XXXX  XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I hope this email finds you well. I am writing to express my growing concern and frustration regarding the ongoing issues I am facing with TransUnion in relation to fraudulent and unauthorized inquiries appearing on my consumer report. Despite my best efforts, I have encountered significant difficulties in resolving this matter, and I am reaching out to seek your assistance in resolving this issue promptly. 

Over the past several months, I have diligently corresponded with TransUnion by sending multiple letters detailing the unauthorized inquiries on my consumer report. Regrettably, the responses I have received from TransUnion have been nothing short of discouraging. Instead of addressing the matter at hand, their letters have consistently lacked substantive action and instead appeared to be stall tactics, with no real indication of addressing the concerns I've raised. 

What is even more concerning is that one of my letters to TransUnion has seemingly been ignored entirely, as I have not received any response from them in relation to that specific communication. This lack of acknowledgment is not only frustrating but also undermines my faith in the credit reporting system 's ability to rectify such matters. 

I would like to bring to your attention that the Fair Credit Reporting Act stipulates very clearly that there are specific permissible purposes for pulling an individual 's credit report, which include : A firm offer of credit Insurance purposes Application for employment A court order It is evident that the unauthorized inquiries on my consumer report do not fall within any of these permissible purposes. As a consumer, I am protected by these provisions, and I find it deeply troubling that TransUnion appears to be neglecting their responsibilities in ensuring the accuracy and integrity of the information they provide. 

Given the urgency and gravity of this matter, I kindly request your intervention to facilitate a resolution between myself and TransUnion. It is my hope that your involvement will help to expedite the removal of these unauthorized inquiries and ensure that TransUnion adheres to its obligations under the Fair Credit Reporting Act. 

I am truly grateful for your time and attention to this matter. If further documentation or information is required from my end, please do not hesitate to reach out to me at [ Your Contact Information ]. I look forward to a swift and favorable resolution to this issue. 

Thank you for your assistance.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights.

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 seven 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 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I demand to remove and block these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX and Equifax Bureaus are obliged to do so to any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my last letter & I am including it again. Also, the information you provided on these inquiries is UNKNOWN to me and the inquiry was REMOVED from other bureaus and I have doubts about the accuracy youre showing in my credit report. Remove these fraudulent inquiries from my credit reports, as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief