vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
My Wells Fargo ( XXXX ) credit card was paid in full on XX/XX/XXXX. I immediately requested that Wells Fargo close my accountand within hours my online account reflected the closure. 

XXXX had updated all XXXX of my credit bureau reports on XX/XX/XXXXXXXX XXXX days prior to the payment in full and final closure date. 

Had XXXX reported my account properly, the credit bureaus would have had the correct information ; however, I have had decades of problems with XXXX keeping a custodial bank account open that should have been closed in XXXX, but still remains open no matter how often I call and request they close itso I am NOT at all surprised that they also failed to report my credit card status properly. 

The reason for my complaint today is that on approximately early XXXX, XXXX, I filed disputes with all XXXX bureaus ( XXXX XXXX, XXXX and XXXX ) requesting that my credit report be updated to reflect I no longer owe XXXX anything and the account should reflect a closed status. 

I spoke with Wells Fargo on the same date in XXXX they, too, submitted a dispute request to ALL XXXX bureaus on my behalf. 

Both XXXX and XXXX updated my credit report to reflect the correct info. However, XXXX failed to properly investigate, because, had they done sothey would have received the correct info, just as the other bureaus had received. 

After chatting online with XXXX XXXX repsgetting disconnected twice in the middle of both chat sessions I still have incorrect info on my TU account regarding my XXXX credit card. 

Again, had XXXX properly reported my credit card info as XXXX aggressively as they report customers open accounts, I would not have had to fight with TU to properly investigate my disputewhich they have NOT done. 

Thank you for your assistance in properly rectifying my issue, XXXX XXXX XX/XX/XXXX 2024

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
My Wells Fargo ( XXXX ) credit card was paid in full on XX/XX/XXXX. I immediately requested that Wells Fargo close my accountand within hours my online account reflected the closure. 

XXXX had updated all XXXX of my credit bureau reports on XX/XX/XXXXXXXX XXXX  days prior to the payment in full and final closure date. 

Had XXXX reported my account properly, the credit bureaus would have had the correct information ; however, I have had decades of problems with XXXX keeping a custodial bank account open that should have been closed in XXXX, but still remains open no matter how often I call and request they close itso I am NOT at all surprised that they also failed to report my credit card status properly. 

The reason for my complaint today is that on approximately early XXXX, XXXX, I filed disputes with all XXXX bureaus ( XXXX XXXX, XXXX and XXXX ) requesting that my credit report be updated to reflect I no longer owe XXXX anything and the account should reflect a closed status. 

I spoke with Wells Fargo on the same date in XXXX they, too, submitted a dispute request to ALL XXXX bureaus on my behalf. 

Both XXXX and XXXX updated my credit report to reflect the correct info. However, XXXX failed to properly investigate, because, had they done sothey would have received the correct info, just as the other bureaus had received. 

After chatting online with XXXX XXXX repsgetting disconnected twice in the middle of both chat sessions I still have incorrect info on my XXXX account regarding my XXXX credit card. 

Again, had XXXX properly reported my credit card info as XXXX aggressively as they report customers open accounts, I would not have had to fight with XXXX  to properly investigate my disputewhich they have NOT done. 

Thank you for your assistance in properly rectifying my issue, XXXX XXXX XX/XX/XXXXXXXX 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is 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 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year> I was contacted through XXXX by a person named XXXX. They explained how they have an investment opportunity in crypto currency, all i would have to do is open an account on their website ( XXXX fake website/trading platform ) and deposit my funds using XXXX. 
XXXX explained how they had been making a lot of money using a certain trading strategy that they have a team that will do the trades for me. After convincing me to try it, on XX/XX/year> I sent {$20000.00} from my PNC Bank account to XXXX. XXXX told me to buy the currency Tether and send the Tether to the website ( XXXX ), after fees it came to be {$19000.00}. After doing this, I could see the funds on their website, the same day funds started to grow after following XXXX 's instructions. Every trade they showed me was a profit. They explained to me if I put more into the account it could grow even more. After a week of profits they convinced me to add more money. On XX/XX/year> I deposited another {$21000.00} and used the same method to send {$20000.00} Tether to XXXX. 
On XX/XX/year> i attempted to withdraw money from XXXX  and it was declined. The same day I received a email from XXXX stating that my account had been locked and that I needed to invest another {$44000.00} in XXXX in order to unlock the account. The email also stated that if I did not do so quickly, the amount they claimed was due would increase {$100.00} every day. I attempted to recover the funds but had no success. Found later on that the funds were sent to XXXX a Crypto Currency Exchange. I tried sending several dispute letters to XXXX, XXXX, and PNC with no progress.Date : XX/XX/year> XXXX XXXX  - XXXX USDT_ETH Transaction hash : XXXX Sending address : XXXX XXXX deposit address : XXXX Date : XX/XX/year> XXXX XXXX  - XXXX USDT_ETH Transaction hash : XXXX Sending address : XXXX XXXX deposit address : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-12-09 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-12-09 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: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
I am submitting this letter to formally dispute inaccuracies reported on my credit file by theses institutions. Below is a summary of the accounts and discrepancies identified, including the date and credit bureau to which the information was reported I was a victim of identity theft and have also made a report on XXXX also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting this letter to formally dispute inaccuracies reported on my credit file by theses institutions. Below is a summary of the accounts and discrepancies identified, including the date and credit bureau to which the information was reported I was a victim of identity theft and have also made a report on XXXX also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, authorized a dispute to address several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred. These violations include : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency failed to verify the accuracy of credit information, which is required by law, and this willful noncompliance could result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt out of sharing my personal information, which is a violation of my consumer rights.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : The agency reported inaccurate inquiries and accounts without proper validation, which could also violate Generally Accepted Accounting Principles ( GAAP ) and is considered deceptive.

Debt Collection Practices Violations : The agency engaged in unfair practices by reporting inaccurate debts and contacting me without my consent, violating the Debt Collection Practices Act and causing unnecessary distress.

Acquiring Location Information Violations : Debt collectors improperly disclosed my personal debt information to third-party credit reporting agencies, which violates regulations prohibiting such disclosures.

Inaccurate Reporting of Late Payments : The agency reported " late payments '' without providing a clear definition of what constitutes a late payment, leading to deceptive and inaccurate reporting.

Failure to Accurately Report Finance Charges : The credit agency did not accurately report finance charges, violating their responsibility under the FCRA.

Failure to Obtain Written Consent for Reporting ( FCRA Section 604 ) : The agency reported information without obtaining my written consent, which is a violation of the permissible purposes under the FCRA.

In response, I requested that immediate corrective actions be taken, including the removal of inaccurate personal information, the correction of payment histories to reflect " paid as agreed '' status, and the validation of alleged debts under the Debt Collection Practices Act ( 15 U.S. Code 1692g ). I specifically asked that debt collectors provide proof of the debts, including the original contracts or agreements, or else the items must be removed from my credit report. 

I expect these violations to be addressed promptly. If the issues are not resolved, I will pursue legal remedies as allowed under the FCRA.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may incl
ude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-09 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: NY

Complaint narrative:
This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account Number starting in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account Number starting in 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief