vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There has been numerous disputes over the past four years that all result in the same outcome. These collections damaging my consumer report to such a detrement I am unable to obtain any kind of funding from any lender to provide my children a house or a future. Even though the FCC, the CCC and the FCRA all enforce the law stating that if a company has been reimbursed by an IRS write off ( charge off ) that it can not then legally report a balance due or still owed by the consumer. As well as if any item reported to a consumer report has a negative impact on the consumer in the way of not being able to obtain other funding because of what has been reported has compromised the consumer drastically it shall be removed in order to meet standard living conditions, they still remain on my report to the detriment of my XXXX XXXX children and I. These unaccountable companys should just provide people with a XXXX  XXXX and tell XXXX XXXX XXXX XXXX XXXX XXXX instead of internationally handicapping someones ability to provide a stable environment for thier already XXXX XXXX children. You all should be ashamed of your actions and yourselfs, it should have never taken 4 years to remove any of these items from my consumer report because they were never reported correctly in the first place but that didnt matter did it? What mattered was the money you made keeping that fraudulent XXXX on my report for over 7 years, not even the state gives XXXX about there own laws. Is it because im a XXXX  or because im XXXX or is it because im a single woman trying to survive with XXXX XXXX  children by myself? Its got to be one of the two XXXX  or XXXX because anyone else who attempts the same action has no problem removing incorrect items from thier report, they have no problem obtaining a loan to purchase a house because their credit scores arent being effected by old incorrect outdated wrong information or gatekeeping XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: WV

Complaint narrative:
On XX/XX/year> XXXX collection agency keeps texting me and sending messages and items saying I owe an alleged debt. I responded with a certified letter requesting information purchase agreement. From the original creditor they have not done so and are harassing me and my family for someone elses debt. XXXX compliance XXXX XXXX XXXX knows this but allows her company to harass people I demand it stops cease and desist all contact with me until they show me the agreement between myself and XXXX they can not and dont have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was given a differant amount at the time of agreement the a higher amount afterthe agreement.

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 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately ADDRESSES INQUIRES NAMES ACCOUNTS COLLECTIONS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
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 2024-12-22 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: GA

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX {$370.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit 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 2024-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
XXXX XXXX change of address XXXX XXXX New Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Old Address check was sent to ; XXXXXXXX XXXX XXXX XXXX XXXX  Md. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/year> my debit cards information was skimmed and someone started using it. I did not know this was happening until the beginning of XX/XX/year>. I went on vacation to XXXX in XX/XX/year>. While I was away my home was broken into and they took my cell phone, my wallet and other valuable out of my safe. When I got back home I noticed it was all missing and my accounts were completely drained and left negative. I called Wells Fargo and started the dispute process for more than XXXX transactions on XX/XX/year>. This is also where I learned of the transaction that started in XXXX. Wells Fargo denied my claim a mere few days later and sent me a letter stating that it was and their was not unauthorized transactions made. I called them immediately upon finding this out and told them Id like it reopened. They said I needed to give them proof that I was out of the country and proof that my phone was stolen and a police report and they told me I needed to email it to them in pdf format. I got the XXXX claim number for my replacement phone, the police report number and a copy of the visa I was issued and emailed it to them as they requested on XX/XX/year>. They assured me that it would only take XXXX hours at the most to review the proof that I send them and that my case would be reopened and I would get a provisional credit while they investigate it. On XX/XX/XXXX I had absolutely nothing from them yet so I called them again and they assured me that I would have my credit by the end of their business day, XX/XX/year> because that is how long they have until they have to give it to me. ( As she said it ) I told the lady I was talking to that I would like her to record my next words in her notes for all the workers to see and she said okay and that the phone call was recorded but for me to continue. I went on by saying that if my claim was not resolved in my favor and my money that was stolen from me returned by the date and time she just gave me ( XXXX, XXXX ) that I would be filing a complaint with the XXXX and the CFPB. I have waited and waited and even gave them a few extra days just to give them the benefit of the doubt and now XXXX tired of waiting and feel like XXXX being pushed around. I want my money returned to me. Every single cent including the overdraft fees I shouldnt have been charged!! I have included screenshots of the emails I sent them with the proof they wanted!

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: MD

Complaint narrative:
TRANSUNION XXXX XXXX XXXX # XXXX was reported on Identity theft report on XX/XX/year>. FTC # XXXX I am writing to request a detailed description of the investigation process followed by your agency Transunion regarding the disputed account on my credit report. 

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXXXXXX Provide the description of the procedure of the re-investigation used to verify this account if you can't delete this account immediately. Attached is my Identity Verification, which is legible.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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 was reviewing my credit report from Experian on XX/XX/year> and noticed that several accounts are illegal and in violation of FCRA XXXX ( A ) ( XXXX ), and Regulation F. 
The aforementioned accounts are : XXXX all DEpt of ED/XXXX  XXXX ect. accounts. These account are actually in good standing and the late payments status is not permitted nor consented to. 
XXXX XXXXXXXX XXXX XXXXXXXX ect. This account is reported in error as the bureau did not take steps to ensure my rights were protected under FCRA, US Tax code109c requirements, and regulation F of FCR Act. Furthermore any debt collector who purchased this account failed to notify me before reporting this account. 
XXXX. XXXX XXXX XXXX this account is illegal as it was charged off/Sold and i did not receive 109c documentation and was never contacted by anyone containing to permission to nor do i permit information in this account to be reported herein nor never. 
this account is also inviolation of rule F of the FCRA and the transactions and permissions standards of account information reporting.

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 2024-12-22 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: OH

Complaint narrative:
XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately ADDRESSES INQUIRES NAMES ACCOUNTS COLLECTIONS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: OH

Complaint narrative:
XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately ADDRESSES INQUIRES NAMES ACCOUNTS COLLECTIONS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful.

I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXXXXXX 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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a victim of fraud of my information. There is also incorrect information that appears on my credit report and to the banks. 

Banks such as XXXX, XXXXXXXX XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX XXXX 

When applying to these banks, I am denied due to inaccurate information provided by CFPB and XXXX XXXX as well as any other XXXX that reports my info. 

I will like to file address XXXX, Bank of America, XXXX XXXX  and any bank that has a negative impact on my profile. 

For more infor, please contact me at XXXX or 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 monetary relief