vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated. 

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error. 

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB. 
The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes. 

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974. 

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear XXXX, Equifax, and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ).

I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. The unauthorized inquiries are as follows : XXXX Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX Equifax Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible.

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2024-03-08 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: FL

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX  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 explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute regarding a collection from XXXX XXXX XXXX. The original creditor was XXXX XXXX. The XXXX XXXX account was opened prior to my XXXX XXXX bankruptcy in 2020. When I disputed this collection with TransUnion they promptly refused my dispute without providing any evidence of an investigation. I even provided them with my case number, court district, and discharge date to aid in their investigation. 
I have had this issue with transunion, and only transunion, multiple times where the collector finally took action to delete the inaccurate information that transunion fraudulently verified as accurate.

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 2024-03-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024, somebody impersonating a police officer stole money from my account, using XXXX to wire it to a person impersonating " XXXX XXXX XXXX XXXX XXXX '' One transaction was {$1000.00} and the other was {$1500.00}. This was somebody IMPERSONATING the account, which is a felony and has been reported to law enforcement. The supposed " XXXX XXXX XXXX '' account was CONFIRMED TO BE FRAUDULENT. The claims department at Wells Fargo has been gaslighting me, claiming it was the " XXXX XXXX XXXX '' despite overwhelming evidence to the contrary. Wells Fargo has been gaslighting me further, claiming the transaction was " authorized '' and are refusing to explain why they are not refunding the {$2500.00} that was stolen from my account. They are also gaslighting me in stating " You never lost {$2500.00}. I see a transaction of {$1000.00} to the XXXXXXXX XXXX XXXX XXXX [ fraudulent ] and {$1500.00} to the XXXX XXXX XXXX XXXX  [ fraudulent ] ''. XXXX. Additionally, they deliberately combined two separate claims into one, thus trying to find a loophole that would prevent them from refunding my money. These thieves have taken everything from me and Wells Fargo is gaslighting me. They are mistreating somebody who comes from poverty and lives hand-to-mouth. I have been fighting this for months now. Please escalate this to whoever is deciding not to refund the UNAUTHORIZED withdrawals of {$1000.00} and {$1500.00} from my checking account.

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 2024-03-08 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: PA

Complaint narrative:
I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information.

Account Name : US Department Of Edu Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3800.00} Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX  XXXX Inquiry Date : 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 2024-03-08 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: PA

Complaint narrative:
I would like to remind you of the XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX ] and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Account Name : US Department Of Edu Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3800.00} Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/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 2024-03-08 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: Synovus Bank
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my personal information and identity to open up a credit card account with Synovus First Digital. The Synovus First Digital credit card account is a fraudulent account, not my account and is the result of identity theft. I have never applied for an account with with Synovus First Digital. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I gave credit acceptance the car back in 2015 as a voluntary repro because of all the mechanical issues with the car credit acceptance auction the car and still saying I owe like XXXX when I put close to XXXX down they started garnishing my pay

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting that you include the following Fraudulent Items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX. XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$18000.00} - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00}

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I hope this letter brings attention to a pressing matter concerning your recent actions regarding a debt allegedly owed by me. I am writing to address critical issues that require immediate resolution. 

I have discovered that the collection item associated with an alleged debt : LVNV Funding LLC C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX has been placed on my consumer report without the required written notification. I am emphatically disputing the validity of this debt. This action not only violates the FDCPA but also infringes upon my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Your agency, by engaging in false, misleading misrepresentation, and deceptive means, is not only jeopardizing my financial standing but is also operating in violation of the law. 

I emphasize that your agency has failed to provide the validation information as required

by 12 CFR 1006.34 ( c ) ( 4 ) ( I ), yet it has proceeded to report the collection item to a consumer reporting agency. This is a blatant violation of the aforementioned regulation and raises serious concerns about the accuracy and legitimacy of the reported debt. Additionally, I am invoking my rights under the Fa
ir Debt Collection Practices Act ( FDCPA ) and other relevant laws. As of this moment, I am revoking all rights of communication with me via email, text, or calls. All future correspondence must be in writing and sent to my mailing address provided below In accordance with my rights under the FDCPA, I am requesting the following information : 1.Comprehensive debt validation : Please provide detailed documentation outlining the nature of the alleged debt, including the amount owed, the name of the original creditor, and any other pertinent information. 
2.Purchase agreement : I request a copy of the purchase agreement between your agency and the original creditor, establishing your legal right to collect on the alleged debt. 
3.Proof of licensure and bonding : Kindly provide documentation demonstrating that your agency is licensed and bonded, ensuring compliance with all relevant regulations.

I insist that your agency rectify these issues promptly by : 1. Providing the necessary written notice outlining the details of the alleged debt, as required by the FDCPA.

2. Ceasing the inaccurate reporting of the collection item to consumer reporting agencies IMMEDIATELY until proper notification and validation information have been provided, in accordance with 12 CFR 1006. 

Failure to address these matters immediately may lead to further legal actions, as your agency 's actions not only infringe upon my rights but also tarnish my financial reputation. I trust that you will take swift and corrective action to rectify these violations and prevent any additional harm. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address a significant error on my credit report resulting from incorrect reporting dates on accounts with the banks mentioned. Due to an error by the bank in sending statements to the wrong address, I experienced late payments that were not accurate. The bank has acknowledged the mistake, and I urge you to promptly update my credit report to accurately reflect that the accounts were never late, ensuring the correction of this error that adversely affects my credit standing. Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX 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 2024-03-08 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: FL

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief